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A Modern Digital Banking Platform Built for Growth, Not Complexity

Bring payments, treasury, fraud protection, and customer engagement together in one platform powered by Al insights to help your bank innovate, compete, and expand commercial relationships from SMB to Enterprise.

 

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See Why Banks Prefer Bottomline’s Digital Banking Platform

17 of the Top 20 US Banks
are Bottomline Customers
16 Trillion Payments
Moved Annually
36 Years
of Payments Experience
6x Datos Market Leader
in Cash Management

Digital Banking:

One Platform. Connected Banking. Smarter Payments.

Move Money Smarter

Simplify how businesses initiate, manage and monitor payments through an intelligent digital banking platform 

Grow Relationships

Deliver the right experience for every business customer, from SMBs to complex commercial companies 

Create New Revenue Opportunities

Turn banking services into drivers of growth and profitability through payments, and emerging commercial banking capabilities 

Protect Every Transaction

Build confidence through embedded fraud protection, proactive risk management and intelligent monitoring

Prepare for What's Next

Stay ahead of changing customer needs and emerging innovations in Al payments and commercial banking

How the Platform Drives Growth:

Businesses need more than account access. They need to move money, manage cash, reduce risk, and make better decisions. Digital Banking helps banks like yours bring these capabilities together through one connected experience. 

Take the Video Tour  Strengthen Your Fraud Defenses

Purpose Built for Your Business Customers at Every Stage of Growth

From community institutions to national banks, our platform is purpose-built to support the complexity of commercial digital banking-helping you scale, compete, and deliver exceptional client experiences. 

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Community Banks

Compete with larger institutions without adding complexity

  • Fast deployment 
  • Pre-configured treasury tools
  • Scalable without heavy IT lift
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Regional Banks

Scale commercial offerings and deepen relationships

  • Advanced cash management
  • Customizable workflows
  • Integration across systems
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National & Enterprise Banks

Deliver sophisticated digital experiences at scale 

  • High·volume processing 
  • Advanced security & fraud controls 
  • Highly configurable and customizable platform
Industry Recognition
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Accelerate Innovation

Deliver new capabilities faster by integrating trusted solutions into your digital banking experience.

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Built-in Intelligence About Your Most Valuable Customers at Your Fingertips in Real Time

Engagement Optimizer. A module of Digital Banking, provides timely insight into how your clients engage digitally. It provides daily updates on key online actions, including logins. transactions, and feature use. 

Support Growing Businesses

Give your SMB customers access to commercial banking capabilities through a simplified experience. 

Solutions That Strengthen Every Stage of the Payment Journey:

Paymode for Digital Banking

Monetize low-value payments and enhance customer loyalty with Paymode for Digital Banking's secure, revenue-generating platform.

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Payments Fraud Defense

Address payment fraud proactively, lower operational risk, meet compliance standards, and respond to new threats through a robust and versatile platform.

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Connectivity Services

Connect to global payment networks with secure, scalable financial messaging tools that streamline operations, ensure compliance, and reduce costs.

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The Commercial Digital Banking Platform Trusted by Banks and Financial Institutions

“Results and improvements that we've seen have been around platform stability and really the overall efficiency... By being able to deliver these repeatable upgrades consistently, we don't have a lot of calls from customers because they're very straightforward, easy to understand.” 

Noelle McKenzie, Treasury Management Product Group Lead, Regions Bank

"The Frost/Bottomline partnership could not be more perfect. When the Frost Treasury Management team was shopping for a new online banking platform provider…it was the promise by Bottomline to 'delight the customer' that differentiated them from the competition."

Steve Berryman, VP of Treasury Product Management, Frost Bank

442k

corporates using digital banking

$11.9T

payments volume originated annually

Digital Banking FAQs

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How long does it take to implement Bottomline’s digital banking platform?

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.

What makes Bottomline’s digital banking platform different?

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.

How do I get started with Bottomline?

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.

Get In Touch

Want to learn more about Bottomline's digital banking solutions? Let’s talk. 

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