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"Bottomline's Universal Aggregator IQ has provided an opportunity for us to improve operational resilience, overcome regulatory compliance challenges and scale up quickly to address evolving changes in the market."

- Yuwadee Tangdenchai, Senior Vice President – Investment Support System

Messaging, Message Storage and Sanction Screening Services

ISO 20022/ CBPR+ and transformation and enrichment service

ISO 20022/ CBPR+ and transformation and enrichment service


Message vault

Message vault


Sanction Screening Services

Sanction screening services


Bottomline ISO 20022/ CBPR+ and the Transformation and Enrichment Service for SWIFT & Market Infrastructures

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.

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Benefits of ISO 20022 & The Transformation & Enrichment Service

Convert MT to MX and MX to MT.

Mitigate truncation risk.

Leverage market infrastructure mappings.

Receive automatic payload detection.

Access Custom Mappings.

Benefit from transformation retrieval via token id.

Consolidate custom data retention integration with the Bottomline Message Vault overlay.

View Fact Sheet

How can ISO 20022 benefit your business?

Supports transparency & interoperability for domestic & cross-border payments

Lowers operating costs

Provides data insights to improve customer payments insight

Increased automation & less manual intervention

Richer customer data which helps with reconciliation & enhanced fraud capability

Creates new revenue streams through digital overlays

Improved customer service and ability for clients to self-serve

 Deep Dive

Bottomline Message Vault

A globally accessible repository, enabling complete visibility over all financial messages, turning data into insights

The Message Vault offers a high-performance search, retrieval and export capability for all financial messages, accelerating the data strategies of organisations.

The cloud-based solution allows your organisation to readily manage the ever-increasing availability of payment information across different networks, payment channels, banks, formats, and clearing institutions. Users can rapidly discover the information their business needs through a secure model that can be leveraged by any network or platform through open APIs.

Download Fact Sheet


Cross-border Payments

Current pain points

Unpredictable processing and resolution time

Each Correspondent party may have different SLAs to process

When Issue arose – needed to wait for other party to respond or further chasing needed

Mounting numbers of inquiries

As number of payments grow, so did number of queries

Competing technologies of traceability

Increasing frustrations and delays

Multi-hops meant could not give exact update on progress or when payment due to be received

Sending/Beneficiary Banks not able to provide visibility to their own customers on payments

Strained customer and counterparty relations

Both parties blaming each other for the delays

Customer caught in the middle

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video time: 14:40 video title: Swift and Bottomline: Accelerating Best Practice Cross-Border Payments

Building an Inclusive and Holistic Approach to End-to-End Visibility in Cross-Border Payments

Join Bottomline and Swift as they discuss the future of real-time domestic and cross-border payments and why Pre-Validation, Customer Case Management, ISO 20022 and Swift gpi hold the key to success.  

SWIFT Connectivity – SWIFT gpi and Universal Confirmation

4275+ financial institution signed up to SWIFT gpi as if February 2022. 1830 gpi members are ‘live’ with gpi credit transfers covering 151 of the world’s 180 currencies. Every day 1 million cross border payments worth $493bn are sent over gpi across 2940+ country corridors.

Bottomline’s SWIFT gpi for API solution provides seamless integration to the SWIFT Observer, Directory & Tracker reducing previous issues for transparency, tracking, reconciliation, cost and overall efficiency.

The gpi Observer: Monitors whether gpi members are following the rules set out in the SLAs (for example, ‘Are you making funds available on the same day?’ and ‘Are you providing transparency of fees?’). (EYES)

The gpi Directory: Shows what Banks/BICS/Currencies are on GPI (MEMORY)

The gpi Tracker: Ensures traceability, transparency and completeness (Beating HEART of GPI)

Access the SWIFT APIs for gpi via the Bottomline API Gateway - single window, managed service – for easier and faster implementation

View Fact Sheet  Deep dive

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video time: 56:39 video title: Finextra Webinar

Visa B2B Connect integration available via Bottomline APIs 

Visa B2B Connect is an innovative multilateral network that builds on Visa’s reputation and expertise, delivering B2B cross-border payments that are predictable, secure and cost-effective for financial institutions and their corporate clients.

As part of the Visa – Bottomline partnership, we provide cloud-native, API-based implementation of Visa B2B Connect. It is completely integrated with your existing payments infrastructure and 100% interoperable with SWIFT flows. As such, we are uniquely placed to offer banks a seamless and elegant solution for all cross-border payment flows.

Runs alongside your swift operations

Simple contracting options

3 months to go live

Watch Video  Deep Dive  Read Article

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video time: 01:00:28 video title: Real-time Payments - Finextra Webinar

Real-Time/Instant/Faster Payment systems and schemes

Bottomline has a recognised heritage in providing innovative payment solutions for Banks and regulated Financial Institutions. Acknowledging the need for Real-Time Payments capability is critical in today’s market to keep up with consumer demand, and Bottomline is the only provider to have built a solution suite to support all connection methods to Faster Payments: Direct, Connect and Express.

The Real-Time Payments solution suite is an addition to Bottomline’s portfolio of comprehensive payment solutions for Bacs, SWIFT and SEPA, providing a universal aggregator platform covering all payment types.


UK Faster Payments scheme

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New Payments Architecture Update

Marcus Hughes, Head of strategic business development from Bottomline, and Richard Ransom, Strategic Customer Success Manager from Bottomline discuss the structure and plans of the new payments architecture (NPA). This episode covers basics like what's happened in the re-design of NPA, the new timetable, the exciting prospect it will bring along, etc

Listen to Podcast


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video time: 57:36 video title: EU Commission Mandate SCT Inst – How to choose the most efficient strategy and maximise on the benefits – March 2023

Instant Payments – SEPA Inst (TIPS) & SIC 5 Instant 

Delivering access for both Message and Payments Services, and Connectivity via SWIFTNet Inst for RT1 & TIPS and SIC 5 Instant. Centred around our Universal Aggregator IQ single SaaS platform solution that leverages multiple gateways, Bottomline’s Instant Payments services can be wrapped around any Instant Payments scheme to deliver speed-to-market, adherence to all scheme compliance and full access to orchestration & payments services.

Read Report


Use case - SEPA Inst 

The SEPA Inst standard (SCT Inst) has been ‘live’ since 2017 and is already used by several schemes, banks, and service providers. However, the European landscape remains fragmented with various local schemes having different rules and a very domestic approach, preventing a harmonised and wide reach of Instant payment across the borders within Europe. More recently, both TIPS and EBA RT1 have built a pan-European approach with a great reach where it is now possible to achieve a single instant payment area in the Eurozone. Recent declarations from the EU council about the plan to regulate – and possibly to make compulsory - the use of Instant Payments should dramatically speed up adoption in order to reach the required critical mass for true success. This is the reason why Bottomline is focusing on delivering access for both Message Services, Payments Services, and Connectivity via SWIFTNet Inst – a proven and reliable network well known by the banks - for both RT1 and TIPS. Other connectivity options are also on our future road-map including P27, so watch this space. 

Download Fact Sheet  Watch webinar 


Use case - SIC 5 Instant 

In Switzerland, the need for a modern and state-of-the art platform for Instant Payments has already been widely recognised and understood. So much so, that a renewal plan for the domestic payment platform has been issued by SIX in conjunction with the Swiss National Bank. This initiative called SIC 5 aims to renew the current RTGS platform used by 246 banks in the country, whilst also introducing a brand-new Instant Payment rail in parallel. SNB & SIX are making the usage of Instant Payments compulsory - they announced that all banks with 500’000+ SIC messages in 2020 must be ready to process incoming SIC IP by August 2024. It will then become mandatory for all SIC participants by 2026. The planning for SIC IP service corresponds to a ‘technical go live’ in November 2023 and a ‘market go live’ in August 2024. Testing should start no later than mid-2023 for early adopters and so yet another date for your strategic diaries.

Download Fact Sheet  Watch webinar

Universal Aggregator IQ

Universal Aggregator IQ

Single SaaS API enabled platform for payments, securities and messaging

Payments and Cash Aggregator

Payments and Cash Aggregator

Cash Positioning, Liquidity Management

Securities Aggregator

Securities Aggregator

Securities Management & Settlement (SRD II & CSDR)

Fraud & Financial Crime Management

Fraud & Financial Crime Management

Risk Management (CoP, Watchlist Screening, SWIFT CSP, Internal Fraud)

Data and Analytics

Data and Analytics

Operational efficiency and business insight


Don’t just take our word for how we can transform your strategy

Explore various customer use cases for how Bottomline Financial Messaging Universal Aggregator IQ has impacted their institution:

Kiatnakin Customer Success Story

“Bottomline’s UA system has provided an opportunity for us to improve operational resilience, overcome regulatory compliance challenges and scale up quickly to address evolving changes in the market.”

- Yuwadee Tangdenchai, Senior Vice President – Investment Support System

Read Full Story

“DGB Bank PLC (DGB) is implementing a new core banking system. Due to the tight timelines, as well as previous difficulties in becoming a SWIFT member, we chose to outsource to Bottomline. The experience of onboarding to Bottomline’s hosted Universal Aggregator solution was straightforward, quick and seamless with the great assistance of the Bottomline project team to help with queries and the end-to-end process. The solution, alongside Bottomline’s Secure Payments and SWIFT CSP service, allows us to focus on the bank’s core business operations, whilst minimizing the risk of payment fraud.”

- Sieng Kimhong, Chief Information Officer

Read Full Story

DGB Bank Customer Success Story
BMCE Customer Success Story

“BMCE Bank International are a long-standing client of Bottomline’s and are very pleased with the service we have been provided with for several years now. The level of governance and regular interaction the bank has with Bottomline ensures a close working relationship and that we are kept updated with the latest payment and industry developments."

- Colin Janes, Head of IT

Read Full Story

“Bottomline helped us achieve our objectives successfully. With effective project management, Bottomline was able to deliver the agreed business requirements within the BSP deadline, in fact, way ahead of the BSP deadline.”

- Rodel Garcia, Head of the Fund Transfer Department

Read Full Story

EastWest Customer Success Story


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