Most Sage X3 environments still process a surprising amount of cash activity manually — printing checks, keying wires, downloading bank statements, reconciling in spreadsheets. Each step is an error and a fraud risk.
PRH Consulting automates the full cash cycle in Sage X3, including ACH, wire, positive pay, lockbox, credit card, and bank reconciliation, across US banks and Caribbean financial institutions.
Problems we solve
- Manual check printing and signature processes
- Wire and ACH files keyed by hand into bank portals
- Bank reconciliation done in spreadsheets
- Lockbox files that don't apply cleanly to AR
- Lack of positive pay and fraud controls
What we deliver
ACH & wire automation
Generate NACHA, ISO 20022, or bank-specific files directly from Sage X3 payment proposals.
Positive pay
Automated positive pay file generation and reconciliation for check disbursements.
Lockbox & cash application
Automated lockbox import with cash application rules and exception handling.
Bank reconciliation
Daily bank statement import (BAI2, MT940) and automated reconciliation in Sage X3.
Credit card processing
Integrated credit card processing for AR with PCI-aware design.
Our approach
Bank by bank
We work directly with your banking partners to confirm file formats, transmission methods, and security.
Controls first
Segregation of duties, approval workflows, and audit trail design before automation.
Caribbean-aware
Experience with Caribbean banks that use non-standard file formats and manual submission processes.
Outcomes you can expect
- Hours of weekly manual work eliminated
- Faster, more accurate cash application
- Stronger fraud controls
- Audit-ready cash and bank processes
Frequently asked questions
Which US banks do you work with?
We have implemented bank automation with virtually every major US bank and most regional banks. Each has slight format differences.
Can you handle Caribbean banks?
Yes. We have experience with banks in Trinidad, Barbados, St. Maarten, St. Kitts, and other Caribbean markets.
What about credit card processing?
Yes, including integration with PCI-validated payment processors so card data never touches Sage X3 directly.