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.
Securely and efficiently manage funds disbursements
For Businesses
Streamline the collection and management of single and recurring payments
Direct submission and processing of your UK bank payments for payables and receivables
Centralize and automate all your payment creation, controls, and submissions
Comprehensive connectivity to Swift and other domestic and global financial messaging networks
For Banks & Financial Institutions For Businesses
Convert legacy financial message formats to modern message standards
For Banks & Financial Institutions
Easily view analytics of financial messages with central repository
View, optimize, and forecast your cash position with all accounts connected in one solution
Combat payment fraud and evolving threats in real-time with a SaaS solution that helps you stop fraud before it happens.
Identify unusual behaviour from insiders or intruders before their high-risk activities disrupt your business.
Reduce fraud and errors through digital account verification
Efficiently screen transactions to identify and manage sanctions risk
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
Our Company
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In this special 2026 Payments Outlook episode of the Payments Podcast, host Owen McDonald is joined by Jessica Cheney and Vitus Rotzer to explore the trends shaping the future of banking and B2B payments. From monetizing ISO 20022 data and accelerating real-time and cross-border payments to scaling embedded payments and leveraging AI for fraud prevention, this conversation dives deep into the strategies banks must adopt to stay competitive. Discover why collaboration, APIs, and advanced analytics will define success in the coming year.
The cross-border payments market is predicted to reach $320 trillion by 2032, and ISO 20022 is foundational to the G20’s 2027/2030 goals for faster, cheaper, more transparent, and inclusive cross-border payments. Harmonised messaging standards are critical to overcoming fragmentation and enabling seamless end-to-end payments across both domestic and international rails.
Listen to the Euro Banking Association, Swift, JP Morgan, and Bottomline in this ‘Meet the Experts’ panel session from Sibos in Frankfurt last October.
Bottomline is excited to be a sponsor and panellist at EBAday in Copenhagen again this year.
We are ready to engage with you and discuss how we can help drive your digital payments modernisation strategy. From instant payments domestic and cross-border payments such as SEPA Inst, to building use cases to maximise on the ISO 20022 opportunity, improving your connectivity via a single SaaS multi-lateral platform, and implementing best practices for fraud (VoP) and liquidity management, we are keen to continue the conversation.
This report, in combination with the ‘live’ benchmarking survey, will sum up the key learnings and recommendations for financial institutions to maximise their payments modernization strategy and win a competitive advantage.
This year we have identified a small group of financial institutions that we are referring to as 'Payment Pioneers' – just under 10% of the institutions that took the survey – that most portray presence in areas of payments industry best practice. These organisations have the potential to provide valuable learnings for the rest of the participants and epitomises the future of competitive advantage in banking and payments.
This benchmarking report will also include expert insights from EBA Clearing, Zanders, Accenture, PwC, BNY, Payments Unpacked, The Payments Association and Open Banking Expo that will help you gauge if your financial institution is on track to maximise on the changes impacting the payments ecosystem and accelerate your digital payments transformation strategy.
SaaS-based core banking platforms are redefining operational efficiency for financial institutions by delivering scalability, resilience, and streamlined compliance. This approach helps banks modernise payment systems, reduce complexity, and stay ahead of regulatory demands while ensuring robust performance in an evolving financial landscape.
In an era of relentless regulatory change, the payments industry finds itself at a crossroads. A staggering 91% of respondents to Bottomline’s annual ‘The Future of Competitive Advantage in Banking and Payments’ survey admit it will be “very challenging or challenging” to remain compliant over the next 12 months. Yet, as two industry leaders argued during the recent Sibos panel ‘Compliance and Regulation: A Catalyst for Digital Payments Modernisation, regulation need not be the villain - it can be a driver for innovation.
Commercial payments fraud has escalated from an operational concern to a strategic priority discussed at the highest levels of banking leadership. This growing urgency sets the stage for a deeper look into what must change..
Bottomline fraud experts share market observations and outline how banks can strengthen their defences in response to this rapidly evolving fraud landscape.
Routine B2B payments are often treated as a low-risk back-office task, but that assumption hides a growing strategic risk. As payment environments become more complex and interconnected, even small failures can lead to operational disruption, reputational damage, regulatory scrutiny, or fraud. This gap between perceived simplicity and real-world impact is what Bottomline calls the payments paradox - and it’s becoming harder to ignore as digital dependency and risk continue to rise.
The easiest way to contact us is through the Customer Care Portal.
We're always here if you need our help. Contacting us through the Customer Care Portal means you'll get assigned a ticket number and you can keep an eye on ‘live’ progress. Of course, we're at the end of a phone too, but you'll get access to the portal 24/7.
