Single fraud platform helps banks detect fraud sooner and boost defenses

 

PORTSMOUTH, New Hampshire (January 8, 2026) – Bottomline, a global leader in business payments, today announced Payments Fraud Defense, an advanced and scalable payment fraud solution designed to facilitate industry collaboration and leverage AI-driven capabilities. It brings together behavioral analytics, interdiction precision, analytics tuning, and session replay into a single, integrated Payments Fraud Defense platform designed to complement existing fraud systems and accelerate detection.

Fraud schemes are evolving quickly, making it difficult for banks to respond. With more payment channels and growing customer expectations for speed and security, traditional tools, which are often siloed and reactive, struggle to keep pace. Banks need solutions that adapt quickly, deliver real-time insights, reduce false positives, and make investigations easier. Payments Fraud Defense operates within a secure regulated proprietary cloud and deploys rapidly to help deliver measurable value within weeks.

The urgency is clear: According to the 2025 AFP Payments Fraud and Control Survey, 79% of organizations experienced attempted or actual payments fraud in 2024. Deepfake-driven fraud surged 500%, causing over $200 million in losses in Q1 2025 alone. Business Email Compromise (BEC) remains a top threat, and the FBI recently reported that Account Takeover (ATO) losses in 2025 exceeded $262 million.

Payments Fraud Defense now delivers a more unified and adaptive approach to fraud prevention by consolidating advanced capabilities into one platform. Key enhancements include:

  • Earlier detection and precise interdiction: Spotting anomalies across multiple payment rails and transaction types sooner means faster, more decisive action.
  • AI-driven detection: Designed for AI and fraud intelligence, it continuously refines analytics for greater accuracy and fewer false positives. Detection strategies draw on insights from trusted third-party risk solutions and consortium data, creating models that learn from real-world attack patterns and adapt to identify complex behaviors with greater precision.
  • Streamlined investigations and faster detection: Built-in tuning and session replay tools help reduce alert fatigue and accelerate case resolution, giving fraud teams greater efficiency.
  • Bottomline cloud: Runs on secure, regulated proprietary cloud infrastructure for superior compliance and safety.
  • Architecture for emerging threats: Extensible design supports emerging fraud typologies and is built to enable future intelligence-sharing capabilities, helping banks collaborate more effectively to tackle tomorrow’s threats.
  • Regulatory-aligned fraud detection: Complies with evolving requirements across major payment rails (including Nacha 2026 fraud monitoring rules), so institutions meet mandated controls without added complexity.

Offering portfolio-wide synergy, Payments Fraud Defense integrates with existing fraud tools and works alongside Bottomline’s broader payments portfolio, including Digital Banking, Financial Messaging and Paymode, Bottomline’s business payments network. This integrated approach helps deliver end-to-end protection and resilience without costly rip-and-replace projects.

“Fraud threats are evolving rapidly and becoming more sophisticated with AI. To stay ahead, banks need capabilities that combine advanced analytics, AI-ready intelligence, and industry-wide collaboration,” said Dalit Amitai, Head of Product for Fraud and Risk at Bottomline. “We’re giving banks a platform that’s agile and collaborative, making it easier to stay ahead of fraud, protect customers, and move fast with confidence.”

Payments Fraud Defense is now available globally.

About Bottomline

Bottomline helps businesses transform the way they pay and get paid. A global leader in business payments and cash management, Bottomline’s secure, comprehensive solutions modernize payments for businesses and financial institutions globally. With over 35 years of experience, moving more than $16 trillion in payments annually, Bottomline is committed to driving impactful results for customers by reimagining business payments and delivering solutions that add to the bottom line. Bottomline is a portfolio company of Thoma Bravo, one of the largest software private equity firms in the world, with more than $181 billion in assets under management. For more information visit www.bottomline.com.

Trademarks: Bottomline, Paymode, and the Bottomline logo are trademarks or registered trademarks of Bottomline Technologies, Inc. All other trademarks, brand names or logos are the property of their respective owners.

Contact for Media
Heather Pavliga Global Head, Brand & Communications Bottomline
pr@bottomline.com