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Wholesale payments refer to the transfer of large sums of money between financial institutions, corporations, and government entities. These payments are typically used for business-to-business transactions, such as payroll processing, supply chain management, and vendor payments. Wholesale payments are often conducted through electronic funds transfers, wire transfers, and automated clearing house (ACH) transactions. This type of payment processing allows for the efficient and secure transfer of funds on a large scale, enabling businesses and organizations to manage their financial operations with speed and precision. Wholesale payments are essential for the functioning of the global economy, facilitating the movement of capital and the completion of large-scale financial transactions. As technology continues to advance, wholesale payment systems are evolving to provide even more efficient and secure methods for transferring funds between entities.