
Why Bottomline?
Whether our customers need help to launch Instant Payments, or want to update and optimise their existing real-time payments infrastructure or take advantage of our kick integration for SWIFT gpi or Visa B2B Connect, Bottomline is here to partner you to the strategy that best fits your financial institution.
It is important to recognize that it isn’t a case or either/or for Instant Payments and Cross Border Payments – each have their own use cases and benefits. Financial Institutions and Banks need to plan a strategy for both to truly remain competitive in today’s fast-evolving payments ecosystem.

Stay competitive in an ever-changing payments landscape

Develop new products
Quick and cost-effective integration into the UK Faster Payments ecosystem

Meet customer demand
Simple interface via the API enables new financial products to be developed quickly and efficiently

Access the latest technology
Access to a range of future overlay services designed to keep you at the cutting edge of the industry

Maximise confidence and stability
99.99% record of availability for its gateway services
Supporting solutions
Bottomline Universal Aggregator
Our cloud-based financial messaging and payments platform provides a single point of access to multiple payment networks (connectivity, processing, monitoring, screening) for Financial Institutions and large corporates through a comprehensive Digital Payments Ecosystem. Accessing multiple payments networks carries heavy overheads, technical complexity and duplication of processes.
Bottomline helps banks address all of these challenges, providing a seamless, single and secure access point to multiple global and domestic payment schemes.

Bottomline Real-Time Payments Express
More than 60 countries are already live with real-time payment schemes or due to launch imminently. With over half a million transactions predicted and a growth rate of 40% annually between 2020 and 2024, the speed and agility that Real-Time payments offers is universally recognised as providing a genuine alternative to traditional digital payments such as ACH, RTGS or cards.
However, the key to Real-Time payments is the interoperability of each scheme so that true global real-time transactions can be a reality. At present, schemes do not provide universal connectivity and so it isn’t possible to send funds globally. Therefore, it is of paramount importance that banks and financial institutions plan to connect to multiple schemes and central infrastructures.

Bottomline SWIFT Connectivity
SWIFT gpi/Universal Confirmations - With more than 660 banks signed-up to the SWIFT gpi service, with the capability to channel payments into over 1,300 country corridors and 150 currencies. Every day, banks send the equivalent of over $300 billion in value and 56% of SWIFT’s 17 million daily messages.
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Bottomline Transformation and Enrichment Service
Reduce total cost of ownership and time to market by providing flexible and secure integration with back office environments, mutualization of services and compliance with all technical and regulatory requirements, such as ISO 20022 migration. We offer customers 'On Prem', Hosted or SaaS based solutions.

Bottomline Message Vault
Aggregated data and insights under the Bottomline Message Vault and Message Manager solutions leveraging real-time data and tracking capabilities to control the status of your business as well providing enhanced analytics and intelligence for speedy and accurate decision making.

Latest Trends
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Learn more about the alternative quicker and easier way to access Faster Payments
The need for speed and the provision of Real-Time Payments to customers has become a ‘must-have’ capability for regulated financial businesses. Money transferred through the Faster Payments Scheme (FPS) was in excess of £1.7 trillion in 2018 from over 2 billion transactions. However, compliance and regulatory timescales and restrictions on FPS testing has limited the number of new entrants to the Real-Time Payments ecosystem.

Bottomline Real-Time Payments Express
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