Pricing and billing for European transaction banks
itea P2B is a pricing and billing platform purpose-built for transactional banking. Pricing, fee calculation, billing and revenue reporting run in one platform, designed for European transaction banks where cash management, payments and custody generate fee income on every transaction, every account and every service.
Founded by transactional banking experts and trusted by leading European banks managing billions of transactions, itea P2B replaces fragmented legacy billing step-by-step, without disruption to the core.
Built for the transaction bank profile
itea P2B serves mid-size to large European banks with a transaction banking business at their core: corporate cash management, payments, custody and trade services. These banks price hundreds of fee types across negotiated corporate agreements, and their revenue depends on charging correctly for every one of them.
For a bank with a corporate cash management focus, pricing and billing is not a back-office utility. It is the commercial engine of the transaction banking franchise. Tariffs, waivers, bundles and volume tiers are how relationship managers win mandates and how the bank protects margin. itea P2B gives business and IT one platform to run that engine.
The typical starting point is a bank running billing across several inherited systems, spreadsheets and manual routines, where finance suspects revenue leakage but cannot see it, and where business waits weeks for IT to implement a tariff change.
Transaction banking revenue is fee-driven
Retail banking revenue is largely margin-driven. Transaction banking revenue is fee-driven, generated event by event: a payment executed, an account maintained, a report delivered, a liquidity structure operated. Pricing this correctly requires event-based charging, customer-specific agreements, waivers, rebates and volume tiers applied at transaction level.
Generic subscription billing tools were never designed for this. Nor were retail banking platforms. A transaction bank needs a platform that treats the fee agreement as the contract it is: priced at group, customer or account level, calculated on actual usage, and billed with a full audit trail. That is the category of pricing and billing for banks, and itea P2B is the purpose-built specialist within it.
What itea P2B delivers for transaction banks
Pricing at every level
Define fixed, tiered and usage-based pricing at group, customer or account level. Model negotiated corporate agreements, bundles, waivers and rebates without custom development.
Event-based fee calculation
Calculate charges on actual transaction events, from first to last day of the contract. Every fee type, every volume tier, applied consistently and traceably.
Invoicing in every format
Generate invoices automatically from agreements and usage. Deliver PDF, XML, e-invoice and ERP exports, with consolidated billing across products and entities.
Relationship pricing
See total fee income per client, segment and product. Price the full relationship, not the single account, and know exactly where margin is created or given away.
Revenue assurance
Surface uncharged fees, outdated tariffs and transactions falling outside billing logic before they become material losses. Stop revenue leakage at the source.
Compliance by design
Accuracy, transparency and audit readiness at every step. Fee disclosure and e-invoicing requirements are native to the platform, not bolted on.
Works with the core you already run
itea P2B is a pricing and billing layer, not a core replacement. It runs alongside the core banking stack you already operate, whether that is Temenos, Finastra, a composable core such as Mambu, or an in-house platform, consuming transaction events through APIs and returning priced, billed and reported revenue.
The platform is fully API-enabled, built on a microservice architecture, cloud-ready and format-agnostic in its communication. For IT, that means integration on modern terms and no dependency on core release cycles. For business, it means tariff changes go live in configuration, not in code.
Start small, scale without disruption
Banks with live billing cannot absorb a big-bang replacement, and they should not have to. itea P2B is modular by design: start with a single product line, client segment or entity, deliver measurable value in the first phase, and expand from there. Legacy systems are retired step-by-step as the platform takes over, never in one leap of faith.
This is how delivery risk is actually managed in a transaction bank. The first phase proves the platform on real volumes and real agreements. Every following phase builds on configuration and integrations already in production. The bank stays in control of pace and scope throughout.
What European means in practice
SEPA and instant payments
Price and bill the European payment landscape as it actually works: credit transfers, instant payments, direct debits, returns and country-specific exceptions.
VAT and e-invoicing
Country-level VAT handling and e-invoicing aligned with the EU VIDA direction, with multilingual and multi-currency statements as standard.
Fee transparency
Explainable fee calculations, historical audit trails and disclosure-ready reporting, built for a regulatory environment that keeps raising the bar.
Multi-entity, multi-currency
Run pricing and billing across countries, entities and currencies in one platform, with group-level visibility and local execution.
Data residency and resilience
Cloud-ready deployment aligned with European expectations on data residency, operational resilience and vendor oversight.
Banking-native from the inside
Founded by transactional banking experts. The terminology, the agreement structures and the operational reality of a European transaction bank are the starting point, not an adaptation.
The pricing engine behind cash management
For a bank competing on corporate cash management, the pricing and billing platform is where commercial strategy becomes revenue. Account structures, payment volumes, liquidity services and reporting packages are all priced through negotiated agreements, and every agreement must be charged exactly as sold.
itea P2B gives cash management leaders the ability to model a new tariff, simulate its revenue effect, roll it out across the portfolio and see the result in reporting, without a core project and without waiting for a release window. That speed is a commercial weapon in mandate negotiations, and a margin protection in every repricing cycle.
If you are evaluating platforms for this capability, our vendor evaluation guide for pricing and billing vendors for banks covers the criteria European transaction banks should test before shortlisting.
Ready to see it on your own fee structures?
We will show you how itea P2B lets a European transaction bank start small, scale confidently and maximise transactional banking revenue, with a demo and sandbox access on your own terms.