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
Collect single payments simply and cost-effectively direct to your account, powered by Open Banking, as an alternative to cards, cheques, or manual bank transfers. Receive low-cost, error-free instant payments directly into your bank account and provide your customers with a simple, secure method of payment.
Account-to-account (A2A) payments (also known as “bank transfers”) have been around for a while. Typically seen as a banking transaction, they move money from one account to another - simply, cheaply, and quickly.
The issue for businesses is that bank transfers have to be instigated by the customer, and that’s where issues creep in; delays and errors can block your company from collecting the cash you’re trying to collect. This is where the power of Open Banking and our newest payment solution, Pay Direct, come in.
Pay Direct reduces the cost, effort, and settlement delay associated with receiving payments by card, traditional bank transfer and cheque. The reference data and payment details are securely locked in, eliminating the risk of payer error. Using Bottomline's Statement Searcher service you can easily reconcile your Pay Direct payments in your receiving bank account, helping the timely completion of orders and increasing customer satisfaction. And with no chargeback facility there is no risk of unfair payment reclaims.
With Pay Direct, no sensitive customer data is shared with you or Bottomline. On the customer’s side, since the transaction is secured by their online banking credentials it is fast and familiar with no keying of account details and no payment credentials left at risk with third parties. And for your business that is one less data security concern.
It’s simple. Offer your customers the ability to pay directly by bank transfer at the point of checkout or generate links that can be shared with them by SMS, email, or invoice. By clicking on 'pay by bank' or link, they will be redirected to select their bank and follow their online banking journey, authenticate using their own credentials, and authorize the payment.
Since the payments are processed via the Faster Payments Service (FPS), you’ll receive the funds in up to 2 hours (usually within seconds). Plus, since they are A2A payments, you’ll only pay a flat fee for each transaction.
Easier for your customer. Faster and cheaper for your business.
Collect outstanding balances or invoices from your customers using a secure payment link. We generate the link, you distribute the link, your customer clicks to pay, and you get paid.
Offer your customers the ability to pay by bank transfer at checkout. Your customer selects to pay by bank transfer, clicks to pay, and you get paid.
Pay Direct is provided by Bottomline Payment Services Ltd (Registered in England no: 3986072), who are authorised by the Financial Conduct Authority under the Payment Services Regulations for the provision of payment services with FCA registration number 616279 and whose registered office is at 1600 Arlington Business Park, Theale, Reading, RG7 4SA.
Explore more Receivables Automation ideas to help your business get paid.
Learn More
Pay by Bank enables customers to pay you directly from their bank account into yours (Account-to Account transfers), in real-time, using their trusted banking app. Powered by Open Banking, the payment is authenticated without the customer needing to share their sensitive data.
Pay Direct is Bottomline’s Pay by Bank solution for collecting single payments directly into your bank account. It is powered by Open Banking so your customers have a simple way to pay you without cards, cheques or manual bank transfers.
Open Banking lets customers securely connect their bank account to a business or app. This is what makes Pay by Bank possible - letting customers authorise a payment directly from their account, instantly, without entering any card details.
These are simply payments made directly from one account to another without using intermediaries. A2A transfers are the actual payment method behind Pay by Bank. Open Banking enables the connection, and A2A is how the money moves.
Your customer chooses Pay by Bank on a checkout screen or clicks a payment link in an email or communication you send. They select their bank, log in as usual through their online banking journey and authorise the payment using their own credentials.
Because the payment details and payment reference, such as an invoice number, customer account number or payment link reference, are locked in, there is less risk of customer error. Payments are sent through Faster Payments, so funds usually arrive in your account within seconds and no later than 2 hours after submission.
Pay Direct helps you get paid faster, reduce payment costs and cut manual effort. Payments come straight into your bank account, reference data is captured accurately for easier reconciliation and there is no chargeback facility, helping reduce the risk of unfair payment reclaims.
Yes. Your customers do not share sensitive payment details with you or Bottomline. They approve the payment in their own online banking environment, which feels familiar to them and helps reduce security concerns for your business.
Pay Direct is ideal for one-off payments, including invoice payments, outstanding balances and checkout transactions. You can collect payment through a payment link or directly at checkout, so you have lots of options on how and where to deploy it.
Pay Direct is quick and straightforward for you and your customers. Customers click to pay, choose their bank, approve the payment and they’re done. There’s no need to enter long account details or card information manually.
Yes. You can send a secure payment link by SMS, email or invoice so customers can pay outstanding balances quickly and easily.
Yes. You can offer Pay by Bank as a checkout option, giving customers another fast and secure way to pay directly from their bank account.
Speak to one of our experts today.
