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
Today, 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 and Bottomline discuss why banks and non‑bank financial institutions worldwide are increasingly looking to simplify Swift connectivity, reduce operational burden, and unlock the full value of Swift’s growing ecosystem.
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.
Putting that aside for a moment, for most institutions, the real choice isn’t between doing nothing and ripping everything out. It’s about deciding what to genuinely replace, what to strip back, and what to surround with modern SaaS, APIs, and orchestration layers that can deliver resilience and real-time capabilities without destabilizing the core.
Political volatility, macroeconomic uncertainty, and a surge in disruptive geopolitical events are reshaping how global banks and non‑bank 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.
Across the industry, regulators are pushing institutions towards a new standard of “payment continuity by design.” This isn’t a theoretical shift; it marks the end of the old model where disaster recovery was treated as a compliance checkbox or an occasional exercise in a business continuity plan. Instead, supervisors want to see resilience in action: payment flows that continue under stress, fallback channels that activate reliably, and environments isolated enough to withstand attacks on primary infrastructure. But despite this clarity, many financial institutions still fall short.
In a world where speed is everything, real-time payments are no longer a competitive advantage, they're a customer expectation.
Bottomline’s Connectivity Services help banks and financial institutions connect to major instant payment schemes such as SIC Instant Payments, SEPA Instant, and UK Faster Payments from a single platform. By simplifying connectivity and operational processes, organisations can deliver faster payment experiences, improve efficiency, and stay ahead in an increasingly real-time economy.
On May 18, 2026, more than 40 senior finance leaders came together in London for Navigating Change with Confidence, a leadership forum designed to explore what the future of the Office of Finance truly looks like in practice. The event was organised by Women in Collaboration, a collective of female groups spanning the entire fintech space across the UK.
Set against a backdrop of funding pressure, regulatory complexity, fragmented systems, and accelerating AI adoption, the conversations throughout the afternoon made one thing clear: finance is no longer being asked to simply keep pace with change, but rather to lead it.
Operational resilience is no longer about restoring systems; it’s about ensuring payments can continue safely, even when fraud threats are active, evolving, and forcing real-time decisions.
In this Q&A, Bottomline’s Eric Choltus explains that resilience has shifted from post-event recovery to real-time continuity, where banks must detect and manage fraud in-flight to keep payments moving safely and confidently.
This annual peer-based, real-time comparison benchmarking survey examines how executives and their financial institutions are meeting customer expectations and progressing towards achieving their digital payments transformation strategy. Topics covered include real-time/instant payments, cross-border payments, ISO 20022 messaging, transitioning from on-premises to SaaS, compliance and regulation, cash positioning and fraud monitoring, and payments verification.
Banks and financial institutions need to take advantage of the opportunity to compare their strategic priorities, product roadmaps, and plans for future innovation with their peers. In the process, they can discover the technology trends the industry is prioritising and align with emerging themes.
How do you measure up?
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.
