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
Reduce fraud and errors through digital account verification
Efficiently screen transactions to identify and manage sanctions risk
Stop payment fraud before it happens. Detect, investigate, and protect against internal and external threats.
View, optimize, and forecast your cash position with all accounts connected in one solution
Who We Serve
Our Company
All Resources
As the UK’s leading Direct Debit provider, our comprehensive set of features will help your business collect recurring payments. With over 12,000 customers and 35 years of experience, you’re in safe hands.
Take control of your cash flow with Bottomline’s powerful Direct Debit solutions. Whether you're collecting fixed or variable payments, subscriptions, or one-off bills, our automated platform makes it simple, secure, and stress-free.
Let us take care of your payments – so you can grow your business.
Regardless of how long your business has (or hasn't) been collecting money via Direct Debit, we're here to help.
Remove manual effort and errors with the option to automate payer notification, collection submission, payer's account update and re-presenting failed collections.
Our Confirmation of Payee for Business* helps ensure you collect from the correct account holder. Not only helping Bacs scheme compliance but also reducing the risk and costs of misdirected and fraudulent Direct Debits.
Use our APIs or our brandable Direct Debit form to sign-up customers in your online journey, or within your call centre. And with up-front account holder verification built in, it's easier for everyone.
Although Direct Debit scheme rules clearly outline how to validate and verify customer details during onboarding, the data coverage of legacy solutions has made this a challenge for some businesses.
Bottomline has enhanced our Direct Debit Management (DDM) service to provide customers with the ability to access Confirmation of Payee (CoP) through the Bottomline CoP for Business service enabling verification of account holders at the point of capture or change.
Automate timely customer notifications via email or export for out-sourced distribution
Automatically update amended bank details
Verify account holders across over 99% of UK bank accounts, plus address validation
Capture new mandates over the phone or on your website, whichever best suits you and your customer
Our Receivables Automation solution gives you the option to generate payment links for one-off collections
Store and secure sensitive customer data off your network
Set up the users you need to manage your Direct Debit process
Create, verify and retrieve mandate data via API allowing your business to smoothly integrate Direct Debit Management and Confirmation of Payee for Business into your workflows and your Direct Debit onboarding journey.
Use our hosted webforms to provide an off-the-shelf customer facing webpage, allowing you to outsource capture, verification and management of your Direct Debit data.
Post capture, our enhanced user interface allows your receivables team to manually add, update and verify your Direct Debit mandates.
For low volume use cases our enhanced user interface provides a simple solution for managing all your Direct Debits.
Better Visibility and Control Over Your Cash Flow
Secure and Compliant with Industry-Leading Security
Cloud-Based Platform with Flexible Access and Ease of Use
Our facilities-managed Direct Debit service caters to businesses that do not have a Service User Number (SUN) or prefer not to use theirs. This outsourced service grants indirect access to Bacs, enhancing cash management capabilities, reducing costs, and improving cash flow visibility.
To run your business you need to know what cash is coming in. Our Direct Debit Management dashboard shows you, at a glance, what payments are on the horizon.
For any business collecting payments by Direct Debit, there are a number of requirements, dictated by bacs, that need to be met on an on-going basis. And the rules for change over time so it isn’t a case of “file and forget”.
Whether it's Direct Debit Compliance, assistance with your AUDDIS Application Form or insights into Direct Debit scheme, we're here to support you.
A range of available options to help streamline and improve your Direct Debit management.
Advance notice is one of the protections offered by the Direct Debit Guarantee. It means that you need to notify your customer when they’ve signed a Direct Debit mandate, if payment changes are made to the account, or if the payment date changes.
Bottomline Direct Debit Management automates the cycle of advanced notification and collection by email, according to your agreed notice period. We can also automate a paper-based ‘print & mail’ service if this suits your business.
If your collections data sits within multiple systems such as a CRM platform, Membership, Billing or ERP system, then you’ll need to bring this together to produce a single collection file. We can take the hard work out of this for by introducing automation.
PTX Data Processing will monitor for new files, extract the data from multiple platforms and reformat it into a single file so that you are ready to import this into your Direct Debit Management (DDM) platform.
If your business receives a high volume of AUDDIS, ADDACS or ARRUDS reports or has multiple Service User Numbers (SUN), then you’ll know how difficult it can be to stay to maintain an accurate database of customer bank details.
If you need to distribute these reports to internal stakeholders to review then our solution, PTX Report Processing, can help to automate this process. We can monitor for new Bacs reports, merge duplicate files, and distribute them to internal or external stakeholders.
I would also thank you and your team for the smooth transition to the Bottomline Direct Debit collection service. Bottomline has enabled an improved process for setting up new instructions and amending existing direct debit payment programmes.
I am happy with the overall service I received, from the onboarding process to the continuous customer care from the Client Service team. Our collection process is fully automated, we are pleased with the end-to-end managed service. I would recommend the service—it is excellent.
NSL has been working with Bottomline for the last year. The transition to them was smooth, the upload of payments to be collected is straightforward, and collections and payments have been on time, every time. We would have no hesitation in recommending Bottomline to manage DD collections.
Bottomline honoured every promise and timescale that they made, and this was instrumental in our successfully completing the acquisition on time. Furthermore, their attention to detail and the ease with which they could be contacted during the process both reassured us and ensured that there were no mistakes. We would recommend Bottomline to any business looking for a Direct Debit collection solution.
Direct Debit 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.
Everything you need to know about Direct Debit to get started.
Bottomline’s Direct Debit service is for any business looking to automate and streamline its recurring payment collections. Businesses of any size and in any industry can start collecting Direct Debits from their customers with us.
By starting to collect Direct Debits from your customers, you can save money on card fees, avoid the hassle and cost of dealing with cash or cheques, and easily manage any late payments.
Direct Debit is perfect for businesses that want to collect regular payments from customers—like a monthly subscription or charitable donation. It’s also suited for businesses with ongoing customer relationships where regular invoicing is required.
This is the unique identifier that all businesses use to collect Direct Debit payments from their customers. This number is stored to record each transaction and is used by banks to find the business name displayed on the bank statement of the Direct Debit payer.
No, you don’t. As a Direct Debit provider, Bottomline can arrange one for you as part of our service, so you can start collecting Direct Debits from your customers immediately.
Yes, you can easily change your Direct Debit payment provider. If you want to switch to Bottomline, simply use our contact form, and our team will guide you through the process.
Yes, Bottomline Direct Debit is designed specifically for both one-off and recurring payments.
You can access the money as soon as the Direct Debits have cleared—normally three days after collection.
There is no charge for changing the number of Direct Debits your business collects from your customers.
If you have an unpaid Direct Debit from a customer, you can easily recharge it. You can also contact the customer and arrange to change the collection date if that suits them better.
Yes, of course. Depending on how many Direct Debits you wish to collect from your customers, Bottomline can arrange a SUN (Service User Number) and register it to your company, ensuring your company name will appear on your customer’s bank statements and all of your Bacs reports.
No, you don’t. As a company regulated by the Financial Conduct Authority (FCA), Bottomline Payment Services can arrange your managed Direct Debit collection service for you directly so you can start collecting Direct Debits from your customers immediately.
Yes, you can. Simply use our APIs to automate your workflows and synchronise data across your ERP, CRM, finance and other systems.
Explore more Receivables Automation ideas to help your business get paid.
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