What We Do
Since 1989, Bottomline has been modernizing global business payments with connected solutions for more than 1M 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
All Resources
In a rapidly evolving global payments landscape, financial institutions face mounting pressure to deliver faster, more transparent, and fully compliant cross-border payment experiences. As customer expectations accelerate and regulatory demands intensify, the need for secure, scalable, and expertly managed Swift connectivity has never been greater.
Listen to PwC UK and Bottomline discuss why banks and nonbank financial institutions worldwide are increasingly looking to simplify Swift connectivity, reduce operational burden, and unlock the full value of Swift’s growing ecosystem. We also dive into the strategic benefits of Swift’s value-added services, including:
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, 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 and liquidity management, we are keen to continue the conversation.
Modernizing core infrastructure is moving from “someday” to “today” for banks under pressure from real-time schemes, ISO 20022 requirements, and rising regulatory expectations. Yet the classic “rip-and-replace” approach still feels like performing open-heart surgery on a person who’s working. Banks can’t stop (or even significantly reduce) payments processing while also swapping out infrastructure running those payments.
There are, however, very good options for adding payments functionality without disruption, or from taking on tech upgrades that are often too pricey to justify.
As payments expectations change in the UK, are your recurring receivables helping - or hindering - cash flow?
Bottomline experts cut through the noise to explain what’s changed, why it matters, and where finance teams should focus now.
What you’ll learn:
Designed for finance, payments and compliance professionals, this webinar delivers clear, practical insight into what’s changing - and why now is the time to act.
AI is rapidly transforming how businesses approach fraud, shifting the focus from reactive fraud controls to real-time, intelligence-led prevention. As threats become more sophisticated and powered by AI, companies are embracing connected, AI-driven strategies to stay ahead of what’s next.
In its latest whitepaper, QKS Group highlights Bottomline’s Payments Fraud Defense as a leading solution within this emerging category, that embeds AI directly into the payments lifecycle to enable faster fraud detection, more accurate decisioning, improved efficiency, and stronger customer confidence.
The takeaway is clear: as the fraud landscape evolves, winning strategies will rely on solutions that can constantly learn, adapt, and act in real-time to enable proactive protection rather than reactive response.
Political volatility, macroeconomic uncertainty, and a surge in disruptive geopolitical events are reshaping how global banks and non‑banking financial institutions think about operational resilience. Payment infrastructures, which underpin the daily movement of trillions of dollars, now sit at the crossroads of cyber risk, regulatory pressure, and customer expectation. The result is a heightened demand to move beyond recovery after a crisis towards systems designed to stay operational during one.
In a world where instability has become the norm, operational resilience can no longer be treated as a project, an annual test, or a compliance exercise. It must function as core infrastructure: always on, independently secured, continuously evidenced, and ready to perform under the most severe conditions. And for many financial institutions, achieving that standard means embracing external expertise and rethinking disaster recovery as a shared responsibility rather than a solitary one.
Get ready for November’s ISO 20022 Structured Address requirements
The next ISO 20022 milestone is fast approaching. From November 2026, structured or hybrid address formats must be used to continue processing cross-border payments, with unstructured data will no longer accepted.
Already using Bottomline’s Message Transformation and Enrichment service, or just getting started?
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