IKOR is part of

Exchanging data even more securely with
your house banks

How ELZA optimizes payment transaction processes

When it comes to the integration of payment processes, automated and secure data transfers without any media disruptions should be provided. Designed and developed as an SAP Add-on for electronic payment processes, ELZA sets new standards for fully integrated banking software. ELZA connects your SAP system and your bank accounts directly to your house banks and allows you to supersede third-party, non-SAP-based software and its interfaces to your SAP system therefore, manual up- and downloads can be automized. Thus, the usage of ELZA leads to more centralized payment processes, which increase security and save time.

Push & Pull – payments with full authorization control

ELZA transmits approved payments via push mechanisms to your bank. At the same time, full compatibility with the SAP Bank Communication Management module (SAP BCM) is guaranteed. Nevertheless, clients who do not have an SAP BCM license can also use all of ELZA’s functionalities and enjoy the benefits of streamlined payment processes.

ELZA also uses a pull mechanism to check whether your house banks hold new account statements and status messages at individually definable intervals. ELZA takes this information and makes it centrally available for further processing.

Conclusion: ELZA is a flexible all-rounder when it comes to payment transactions. Our lean solution takes care of the connection to your house banks. Thus, you use a fully integrated tool into your SAP landscape for automated and direct bank communication.

ELZA - electronic payment transactions

Seamless, secure banking connectivity: System architecture with ELZA

Core Features

ELZA’s features at a glance

Central Platform

ELZA seamlessly integrates banking communication into the SAP system, and the integration of non-SAP systems is possible, too. ELZA thus completely replaces additional banking software.

Individual Approvals

Functional processes can be customized within the SAP system; digital signatures for final approvals and payment execution can be assigned automatically, depending on the releases.


Thanks to the integration into the SAP standard processes, your payment transactions are automated and smooth. Manual processing outside the SAP system boundaries is eliminated.


in any issues connected to compliance and liabilities.


via EBICS, SWIFT, Host-to-Host (H2H), and PSD2-readiness for different application programming interfaces (APIs).


over the complete payment life cycle – from outstanding items to the bank account statement.


ELZA Implementation at HDI Insurance

With ELZA, the insurance group HDI continues to rely on an SAP-integrated solution for the automatic and audit-proof data exchange with its house banks.


Miklós Hegybíró führt die Geschicke von IKOR Products

Miklós Hegybiró

Managing Director
IKOR Products GmbH
+49 40 8199442-0


Paul Friedrich

Managing Director
IKOR Austria GmbH
+49 40 8199442-0

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