SAP In-House Cash is used to centrally process the internal and external payments and to reduce transaction costs. SAP In-House Cash allows internal and external centralized payments. Central processing of payments allows you to reduce the number of bank accounts held by the company’s subsidiaries. It also provides savings on cross-border payments costs of as well as on currency spreads. Central processing takes place in dedicated units, serving as In-House banks that offer vast account management options like charges, interest calculation and internal bank statements.