The new Oracle Payments system combines Funds Disbursement and Funds Capture into one centralized payment engine. Enterprises can generate payments across multiple organizations, currencies and regions, increasing straight through processing rates. Because processing centralization can provide real-time visibility to cash inflows and outflows, companies can achieve better capital management. From an auditability standpoint, improved control and a full audit trail are available to a single point of payment processing. Oracle Payments also manages the interfaces between E-Business Suite products and financial institutions such as banks and credit card processors. With several seeded transmission protocol/formats to choose from, implementation of an interface solution can be quicker and the total cost of ownership can be lowered.