What We Do
Since 1989, Bottomline has been modernizing global business payments with connected solutions for more than 800,000 financial institutions and businesses in 92 countries.
Automate every step of your invoice-to-payment process
For Businesses
Digitize and automate AP processes with the most trusted solution for real estate
Centralize and automate all your payment creation, controls, and submissions
Make and receive secure digital payments conveniently through Paymode, the market leading B2B payments network trusted by over 600,000 member businesses.
Pay vendors through the largest B2B payments network to enhance working capital, prevent fraud, and reduce costs and processing time
Protect your business against fraud, get paid faster, and save time with enhanced remittance details
Boost revenue for your business and your customers with access to Paymode, our secure business payment network
Comprehensive connectivity to Swift and other domestic and global financial messaging networks
For Banks & Financial Institutions
Convert legacy financial message formats to modern message standards
Easily view analytics of financial messages with central repository
View, optimize, and forecast your cash position with all accounts connected in one solution
Own the primary customer relationship and grow business value across all business segments
Robust ecosystem of solutions, partners, APIs, and analytics designed to drive innovation, efficiency, scalability, and new business opportunities
Combat payment fraud and evolving threats in real-time with a SaaS solution that helps you stop fraud before it happens.
Identify unusual behavior from insiders or intruders before their high-risk activities disrupt your business.
Explore the enterprise-wide alert and case management system for creating and managing alerts and cases of suspicious activity and filing suspicious activity reports (SARs).
Who We Serve
Join the many financial institutions and businesses that use Bottomline to pay and get paid. With solutions designed to modernize the payments landscape, we make complex business payments simple, smart, and secure.
Our Company
All Resources
Expand your knowledge and stay up-to-date on the latest industry news with helpful white papers, datasheets, industry reports, learning articles, and more.
Manage the primary banking relationship with a single digital banking platform that combines payments, cash management, treasury management and B2B network.
Digital Banking helps businesses of all sizes from small and midsize to large corporates. It combines the essential services your business customers expect while providing scalable solutions that grow with them. With a focus on stability, this solution empowers your bank to:
Digital Banking is right for businesses of all sizes, including small businesses with a dedicated SMB module. Help their businesses thrive by streamlining operations and enhancing their capabilities.
Leverage powerful data and reporting solutions that enhance customer engagement and reduce risk. These insights help build stronger, long-lasting relationships by providing actionable information for improved cash and payment management.
The Digital Banking Native Mobile app offers a mobile-friendly banking experience. It allows your customers to access their accounts in real-time. They can easily monitor cash flow, send payments, and stay connected with their business from anywhere.
Unify data and personalize every customer interaction with machine learning and advanced analytics across your financial institution.
Bridge the digital banking gap for your small to mid-size business customers with essential financial insights and advanced tools for payments, fraud protection, and account control—solutions often out of reach for smaller businesses.
Monetize low-value ACH payments with rebates through Paymode for Digital Banking, Bottomline's business payments network, accessible via our commercial banking platform.
Proactively combat payment fraud, reduce risk, meet regulatory requirements, and mitigate evolving threats through a highly extensible and flexible platform.
95%
of US-based cash management clients have deployed Bottomline's full cash management suite
$6 Trillion
Annual Payments Processed through Digital Banking
272,000
Hosted Business Paying and Getting Paid
Our White Glove Customer Migration support makes the move easy. We also provide onboarding and call center services. This ensures your customers' questions get answered quickly.
Four standard customer engagement models to fit your unique situation and existing solutions
Full platform: Digital Banking offers the front-end user experience platform, using APIs to interface with the bank’s back-end systems and data.
API channel: The bank fully controls the platform's user interface, using Digital Banking APIs to connect back-end data with the front-end experience.
Hybrid Digital Banking: Digital Banking delivers the front-end user experience by integrating existing UX "widgets" and using APIs to connect with the bank's back-end systems and data.
Hybrid Bank: The bank offers its own front-end user experience by incorporating Digital Banking "widgets" and using APIs to connect with its back-end systems and data.
Requirements and documentation are key to project success. This initial step gathers all necessary features and tasks to meet project goals, ensuring specifications are accessible to the team for clear alignment and execution.
Training users is essential for success. Bottomline offers hands-on sessions, detailed how-to documents, and training videos to ensure effective learning.
Our bank-side systems integration partners specialize in large-scale program management, working directly at your bank location, meaning you don't have to do it alone.
The testing cycle is often the most time-consuming part of any project. Our test automation suite can automate nearly all required testing, minimizing the need for manual testing.
Support your business customers digital banking experience, from SMBs to enterprises, with scalable, integrated fraud, financial messaging, and payment solutions.
Learn More
Address payment fraud proactively, lower operational risk, meet compliance standards, and respond to new threats through a robust and versatile platform.
Adapt to evolving standards like ISO 20022 with tools that transform and enrich messages for accuracy, compliance, and interoperability.
Connect to global payment networks with secure, scalable financial messaging tools that streamline operations, ensure compliance, and reduce costs.
Bottomline’s Digital Banking Platform integrates seamlessly through a broad set of APIs that connect to core banking systems, payment networks, and third-party fintech solutions. Our Connection Hub offers pre-built integrations to accelerate implementation and reduce IT lift, ensuring your bank can innovate without disrupting existing infrastructure.
Innovation is built into our DNA. We continuously invest in AI-powered capabilities, embedded fraud detection, open banking readiness, and real-time payment support. Through close collaboration with banks, fintech partners, and industry groups, we anticipate regulatory shifts and market trends so your bank stays ahead, not just compliant.
Implementation timelines vary based on your institution’s size and complexity, but many banks are live in as little as 6–9 months. Bottomline provides a structured onboarding methodology, experienced implementation teams, and pre-configured components to streamline delivery and minimize disruption.
Unlike retail-focused platforms retrofitted for business banking, Bottomline’s solution is purpose-built for commercial and business banking. It combines advanced payments capabilities (ACH, wires, RTP, FedNow), robust fraud prevention, flexible entitlements, and a modern user experience, all within a single SaaS platform. The result: faster innovation, stronger customer engagement, and new revenue opportunities for your bank. Learn more about the platform’s capabilities via the Virtual Tour here.
The platform is designed specifically for growth-minded commercial and business banks that want to deliver modern digital experiences for their SMB, mid-market, and corporate clients. Whether you’re modernizing legacy systems or launching new services, the platform provides the flexibility and scalability to support your strategy.
Getting started is simple. Our team will work with you to understand your bank’s goals, map out your integration and launch plan, and guide you through onboarding. From the initial discovery session to go-live, Bottomline is your partner every step of the way.
Absolutely. Built on a cloud-native, multi-tenant architecture, the platform scales effortlessly as your customer base and transaction volumes grow. Whether adding new capabilities like FedNow, expanding to new markets, or onboarding more users, the platform grows with your business and without major infrastructure investments.
Bottomline is consistently recognized for innovation and impact across the banking and payments ecosystem. Recent honors include:
You can explore the platform in two ways:
Bottomline partners with a curated and pre-integrated ecosystem of fintechs to bring banks best-in-class capabilities, from invoicing solutions to data enrichment, open banking connectivity, and real-time payments. These partnerships accelerate innovation and reduce the need for banks to build and maintain complex integrations in-house.
We needed a simpler, more intelligent approach to growing relationships and driving bank-wide performance from day one while not losing the historical context captured in our prior CRM.
Want to learn more about Bottomline's digital banking solutions? Let’s talk.
