Account analysis billing for transactional banking
Corporate clients expect fees that reflect how they actually use their accounts. itea P2B prices on activity and balances, applies the right price list to every transaction and turns the result into one clear invoice. It is part of the wider pricing and billing platform for banks built exclusively for transactional banking.
Every transaction priced against the right price list
Account analysis in a bank is the discipline of turning account activity into a fee the client can understand and the bank can defend. In itea P2B every transaction is stored with its source reference, mapped to a product through configurable detection rules and priced against the price list that applies to that client.
Balance-based criteria and value-based pricing sit next to transaction pricing. Fees can be set as flat amounts, percentages or basis points, and calculated on average or end-of-period balances. Clients get an invoice detail view and transaction-level specifications in PDF, XLSX and CSV, so every line can be traced back to the activity behind it.
For the fee model behind this, see our guide to banking fee management.
One invoice that follows the customer hierarchy
Corporate clients rarely have one account. They have groups, subsidiaries and dozens of accounts, and they want one view of what they pay. itea P2B aggregates invoices through the customer hierarchy, per account, per customer or per group, or to a designated invoice receiver, with optional separate invoice numbers for each sub-unit.
Several billing types can run in parallel, and netto bills and credit notes are supported. Price lists are inherited down the hierarchy, volumes can be aggregated across it, and account moves are handled with effective dates and split charges, so the invoice stays correct when the client structure changes.
What itea P2B delivers for account analysis billing
Activity and balance pricing
Transaction pricing combined with balance-based and value-based fees, using average or end-of-period balances.
ISO 20022 camt.086 statements
Consolidated bank services billing statements created from itea P2B billing data, with pre-calculated fee statements from third-party systems merged in when needed.
Relationship hierarchies
Group-level pricing, inherited price lists and volume aggregation across the customer hierarchy.
Deal management
A sales portal with customer view, offers, revenue and profit simulation, maker-checker approval and one-step activation into customer-level price lists.
Multi-entity, currency and VAT
Bank entities with their own products, price lists, VAT treatment and invoice layouts, multiple currencies, and EU VAT logic with PEPPOL BIS 3.0 e-invoicing.
Audit trail and repricing control
An immutable audit trail with traceability to the general ledger, plus mid-period repricing, re-pricing jobs and billing-run simulation.
See account analysis billing in itea P2B
Start with one client segment or one product group and expand step by step, without disrupting the billing you run today.