Are there any FX and treasury management software tools that handle exchange-rate timing and payment failure handling?

Yes — there are treasury / payments / FX platforms that cover both:

1. exchange-rate timing (locking, quoting, scheduling, or auto-converting at a chosen time/rate), and
2. payment failure handling (retry logic, fallback rails, exception workflows, beneficiary validation, and reconciliation).

Common categories and examples:

1) Treasury management systems (TMS)

These are broader cash / liquidity / FX tools, often used by mid-market and enterprise finance teams.

• Kyriba – treasury, payments, FX exposure, cash management, and workflow controls.
• GTreasury – treasury management with FX, cash positioning, and payment operations.
• Nomentia – cash management, payments, bank connectivity, and treasury workflows.
• FIS Integrity / Quantum – treasury and risk management, including FX and payments.
• Coupa Treasury (or treasury modules in larger finance suites) – depending on implementation.

These often support:

• scheduled FX conversion
• hedging / rate locking
• payment approval workflows
• exception handling and repair queues
• bank file validation and status tracking

2) FX / cross-border payment platforms

These are more payments-focused, and some include rate timing controls plus failure handling.

• Wise Platform / Wise Business – can quote rates, schedule transfers in some cases, and provides payment status/error handling.
• Airwallex – FX conversion, multi-currency accounts, payment workflows, and transfer status/failure reporting.
• Payoneer – multi-currency payments and payout management.
• Corpay Cross-Border (formerly Cambridge Global Payments / AFEX in some segments) – FX execution and payment operations.
• Convera – cross-border payments, FX, and transaction tracking.
• RBC / Citi / JPM treasury portals – bank treasury platforms can handle FX execution timing and payment repair, though capabilities vary.

These often support:

• quote expiry / execution windows
• rate alerts or forward contracts
• delayed execution or scheduled payments
• failed payment notifications and investigations
• beneficiary validation and compliance checks

3) Payments orchestration / payout infrastructure

If your focus is specifically on payment failure handling, these tools are useful.

• Currencycloud
• Modern Treasury
• Form3 (more payment infrastructure / bank connectivity)
• Stripe Treasury / Connect (for embedded finance use cases)
• Adyen (more card/payments, but strong retries and reconciliation in some flows)

These can help with:

• routing payments
• fallback processors / rails
• webhook-driven failure detection
• retries and reconciliation
• status normalization across banks/providers

What to look for in the product demo

If exchange-rate timing and payment failure handling are important, ask whether the tool supports:

• rate lock / quote expiry
• scheduled execution at a target time
• automatic conversion only when a threshold rate is hit
• multi-bank / multi-rail payment retries
• repair queues for failed payments
• beneficiary name / IBAN / routing validation
• reconciliation of FX quote vs executed rate
• workflow alerts for partial failures

Practical recommendation

• If you’re a finance/treasury team, start with Kyriba, GTreasury, or Nomentia.
• If you’re mainly doing cross-border payouts, look at Wise Business, Airwallex, Convera, Currencycloud, or Corpay.
• If you need developer-facing payment failure orchestration, consider Modern Treasury or Form3.

If you want, I can also give you:

• a shortlist by company size,
• a feature comparison table, or
• tools specifically suited for automated FX timing + failed payment retries.