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Universal Aggregator IQ
A single API enabled SaaS platform for payments, messaging, and connectivity that enables financial institutions to achieve lower costs, wider reach, speed-to-market, industry compliance, greater security and improved risk & treasury management.
Financial Document Automation
360° automation of your financial documents for greater visibility and control of your payments, collections and working capital.
Bottomline PTX
Make and collect payments using Bacs, Faster Payments, Direct Debit and Open Banking. Manage cash flow, invoices, remittances and protect your business from fraud.
Securities Management
Gain visibility and control across your securities lifecycle with our Securities Business Centre.
Fraud and Financial Crime Management
Gain unparalleled protection from internal fraud and external financial crime. Meet compliance and regulations without complexity.
Legal Spend Management
Gain insight into your data, improve bill review process, increase efficiency, enable better decision making, enhance supplier relationships and deliver improved program results.
Best Practices to Maximise Your Cashflow

Just Get Paid: Your Guide to Direct Debit

The objective of this eBook is to provide clarity on the latest innovations in collecting recurring payments via Direct Debit so you can make the right choices for your business.

Download eBook
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For businesses and organisations of all sizes. Automate the collection of payments, pay staff and suppliers more efficiently or simply get paid faster than ever before.
Enterprises
For treasury and finance departments in large corporations, learn how to increase efficiency, visibility, cash optimisation and security throughout the payments process.
Financial Institutions
For banks and wealth management organisations, discover how to deliver innovative services and experiences to customers in today's open and real-time world.
Legal
Gain insight into your data, improve bill review process, increase efficiency, enable better decision making, enhance supplier relationships and deliver improved program results.
Partner with the Bottomline Bank Channel

Extend and enhance your corporate & commercial product offering using Bottomline’s BaaS / SaaS solutions.

Our banking industry experts have a deep knowledge of corporate transaction banking, in addition to domestic and international corporate payments, market engagement and large program delivery.

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Pay
Pay your staff and suppliers with our cloud-based Bacs approved software.
Get Paid
Almost all companies face late payment challenges. However you want to get paid, you can manage this with a single platform.
Efficiency
Make UK and international payments in a single platform. Get better control over your cashflow and reduce admin time.
Financial Growth
Future-proof your business, with one platform that grows with your success. Just add extras when you need them.
Payment Protection
Protect your business from internal and external threats. With proactive monitoring, you can relax knowing that your payments are being screened automatically.
Digital Transformation
Give your business the competitive edge, by working with a payment solution that is continuously evolving and listening to industry changes.
Account Visibility
Combine UK and international bank accounts together, pinpoint transactions with a single search and control who can access your data.
Bacs and Faster Payments
The UK's most popular Bacs-approved cloud software that allows you to make payroll and supplier payments with ease.
Cards
Take one-off and recurring payments, through your website or over the phone. Everything you need to accept card payments.
Cheques
Reduce the time and cost of processing cheque payments with secure cheque printing services and alternative payment strategies.
Direct Debit
Get paid while you sleep with Direct Debit. We have a comprehensive set of options that will help your business collect. Perfect for subscriptions. No fuss, no bother.
International Payments
Pay international invoices, overseas staff or transfer funds with the same degree of security, ease and control as making a local payment.
Pay Direct
You can now accept payments directly from your customers' bank accounts. Powered by the Open Banking revolution.
Refunds
Make one-off payments simple, secure and customer friendly. Perfect for refund payments, claims processing, promotional campaigns or compensation payouts.
Security
Safeguard your business with intelligent fraud and cybercrime prevention technology.
Validation and Verification
Save time and money previously lost due to out-of-date and incorrectly-entered bank account information.
Confirmation of Payee (CoP) for Business
CoP is an industry-wide, regulated banking initiative in the UK that provides payers with additional peace of mind that payments are being sent to the right person.
Cash Management and Payments
Offer a simple way for your organisation to replace spreadsheets with automation, develop more timely cash visibility and secure greater payments control without the complexity of a TMS implementation.
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  • Overview
  • Why PTX?
    • Why PTX?
      • Pay
        Pay your staff and suppliers with our cloud-based Bacs approved software.
      • Get Paid
        Almost all companies face late payment challenges. However you want to get paid, you can manage this with a single platform.
      • Efficiency
        Make UK and international payments in a single platform. Get better control over your cashflow and reduce admin time.
      • Financial Growth
        Future-proof your business, with one platform that grows with your success. Just add extras when you need them.
      • Payment Protection
        Protect your business from internal and external threats. With proactive monitoring, you can relax knowing that your payments are being screened automatically.
      • Digital Transformation
        Give your business the competitive edge, by working with a payment solution that is continuously evolving and listening to industry changes.
  • Features
    • Features
      • Account Visibility
        Combine UK and international bank accounts together, pinpoint transactions with a single search and control who can access your data.
      • Bacs and Faster Payments
        The UK's most popular Bacs-approved cloud software that allows you to make payroll and supplier payments with ease.
      • Cards
        Take one-off and recurring payments, through your website or over the phone. Everything you need to accept card payments.
      • Cheques
        Reduce the time and cost of processing cheque payments with secure cheque printing services and alternative payment strategies.
      • Direct Debit
        Get paid while you sleep with Direct Debit. We have a comprehensive set of options that will help your business collect. Perfect for subscriptions. No fuss, no bother.
      • International Payments
        Pay international invoices, overseas staff or transfer funds with the same degree of security, ease and control as making a local payment.
      • Pay Direct
        You can now accept payments directly from your customers' bank accounts. Powered by the Open Banking revolution.
      • Refunds
        Make one-off payments simple, secure and customer friendly. Perfect for refund payments, claims processing, promotional campaigns or compensation payouts.
      • Security
        Safeguard your business with intelligent fraud and cybercrime prevention technology.
      • Validation and Verification
        Save time and money previously lost due to out-of-date and incorrectly-entered bank account information.
      • Confirmation of Payee (CoP) for Business
        CoP is an industry-wide, regulated banking initiative in the UK that provides payers with additional peace of mind that payments are being sent to the right person.
      • Cash Management and Payments
        Offer a simple way for your organisation to replace spreadsheets with automation, develop more timely cash visibility and secure greater payments control without the complexity of a TMS implementation.
  • Advisor
  • Developers
Bottomline logo
  • Solutions
      Best Practices to Maximise Your Cashflow

      Just Get Paid: Your Guide to Direct Debit

      The objective of this eBook is to provide clarity on the latest innovations in collecting recurring payments via Direct Debit so you can make the right choices for your business.

      Download eBook
    • Bottomline Solutions Browse all products
    • Bottomline Solutions | Browse all products
      • Universal Aggregator IQ
        A single API enabled SaaS platform for payments, messaging, and connectivity that enables financial institutions to achieve lower costs, wider reach, speed-to-market, industry compliance, greater security and improved risk & treasury management.
      • Financial Document Automation
        360° automation of your financial documents for greater visibility and control of your payments, collections and working capital.
      • Bottomline PTX
        Make and collect payments using Bacs, Faster Payments, Direct Debit and Open Banking. Manage cash flow, invoices, remittances and protect your business from fraud.
      • Securities Management
        Gain visibility and control across your securities lifecycle with our Securities Business Centre.
      • Fraud and Financial Crime Management
        Gain unparalleled protection from internal fraud and external financial crime. Meet compliance and regulations without complexity.
      • Legal Spend Management
        Gain insight into your data, improve bill review process, increase efficiency, enable better decision making, enhance supplier relationships and deliver improved program results.
  • Company Type
      Partner with the Bottomline Bank Channel

      Extend and enhance your corporate & commercial product offering using Bottomline’s BaaS / SaaS solutions.

      Our banking industry experts have a deep knowledge of corporate transaction banking, in addition to domestic and international corporate payments, market engagement and large program delivery.

      Learn More
    • Company Type
      • Businesses
        For businesses and organisations of all sizes. Automate the collection of payments, pay staff and suppliers more efficiently or simply get paid faster than ever before.
      • Enterprises
        For treasury and finance departments in large corporations, learn how to increase efficiency, visibility, cash optimisation and security throughout the payments process.
      • Financial Institutions
        For banks and wealth management organisations, discover how to deliver innovative services and experiences to customers in today's open and real-time world.
      • Legal
        Gain insight into your data, improve bill review process, increase efficiency, enable better decision making, enhance supplier relationships and deliver improved program results.
  • Resource Hub
    • Resource Hub
    • Bottomline Blog
      Your destination for content that helps companies make business payments simple, smart and secure. Check back often for best practices, insights and perspectives from our subject matter experts and partners.
      Customer Success
      Bottomline puts customers first. See what our customers have to say about us!
      Events
      View upcoming industry and Bottomline events and webinars, from large global conferences to expert-led webinars.
      Resources
      Transform your organisation with our knowledge base of white papers, research reports, on-demand webinars and more.
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EMEA PTX Pay Direct Hero

Frictionless One-Off Payments

Collect single payments simply and cost-effectively, powered by Open Banking. As an alternative to cards, cheques or manual bank transfers.

  • Payments received in up to 2 hours
  • Flat fee structure makes it a cheaper alternative to Card payments
  • No chargeback liability
  • Fully hosted solution so no lengthy implementations

solution detail_PTX Created with Sketch.
Pay Direct Illustration 4

A new era for Account-to-Account (A2A) payments.

Say hello to Pay Direct.

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 put a blocker between your company and the cash you’re trying to collect. This is where the power of Open Banking comes in and our newest payment solution, Pay Direct.

Pay Direct is a push A2A payment. Ideal for one-off payments.

It’s simple. Offer your customers the ability to pay directly by bank transfer at point of checkout or generate links which can be shared with your customers by SMS, email or letter. By clicking on their checkout choice or the link, they will be redirected to their digital banking journey, authenticate using their own credentials and authorise the payment.

Since the payments are processed via the Faster Payments Service (FPS), you’ll receive the funds in up to 2 hours. Plus, since the payment is an A2A payment, you’ll only pay a flat fee for each transaction

Easier for your customer. Faster and cheaper for your business.


 

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video time: 01:26 video title: PTX Pay Direct the new way for customers to pay

Experience the customer journey yourself

PTX currency & payments 96

Pay by Link

Collect outstanding balances or invoices from your customers using a secure payment link. We generate the link, you distribute the link, your customer accepts to pay, and you get paid.

Explore

PTX documentation & messaging 53

Checkout

Offer the ability for your customers to pay by bank transfer at checkout. Your customer selects to pay by bank transfer, accepts to pay, and you get paid.
 

Explore

Lower risk for you and your customer.

With Pay Direct, no sensitive customer data is shared with you. On the customer’s side, since the transaction relies on the user using their online banking credentials to authorise the payment, there is minimal risk of fraud and no possibility for chargebacks.

Plus, Pay Direct removes the risk of incorrect amounts being sent or mistyped bank account details or references.

Pay Direct 2 Illustration

Pay Direct

See how much you could save with a simple change


Pay Direct Calculator

Calculate how much you could save by switching some of your payments from Cards to Pay Direct, our new way for customers to pay, powered by Open Banking.


£
The amount of customer payments you currently accept by card in £
£
The average payment amount you accept by card in £ - remember to allow for less frequent, larger payments
See savings by toggling between accepting all/some payments by Card and Pay Direct
Card 50%
Pay Direct 50%

Your annual savings could be

£0.00


Adjust the calculator settings to see how much you could save by switching to Pay Direct.

 

Hmm looks like we need a bit more information so you can discover the true benefits of switching to Pay Direct.

 

Hmm looks like we need a bit more information so you can discover the true benefits of switching to Pay Direct. To get a copy of your results, and to make a start on your savings journey, please click Send Report below and complete the form.

And that’s just for starters! 

Did you know Pay Direct improves efficiency, reconciliation & and there’s no risk of charge-backs or indemnity claims? To get a copy of your results, and to make a start on your savings journey, please click Send Report below and complete the form.

Nice! 

This is just the start! You’re well on your way to making savings by using Pay Direct. To get a copy of your results, and to make a start on your savings journey, please click Send Report below and complete the form.

Disclaimer: The results based on this calculator are indicative only and any actual savings may be greater or less than those shown.

Thank you

Your results have now been sent to your provided email address along with the complimentary PDF:

How To Win & Keep Customers With Pay Direct.

pdfat2x

How to win and keep customers with Pay Direct

Fill out the quick form below to receive an all you need to know PDF.

Pay Direct is going to help you sell more, bank the money faster, and save big.

ptx calc graphic 1

Thank you

Your results have now been sent to your provided email address along with the complimentary PDF:

How To Win & Keep Customers With Pay Direct.

pdfat2x

How to win and keep customers with Pay Direct

Fill out the quick form below to receive an all you need to know PDF.

Pay Direct is going to help you sell more, bank the money faster, and save big.

ptx calc graphic 1
This is a great example of Open Banking giving merchants the ability to receive instant payments from their customers. It is encouraging to see that despite these challenging times, we have companies like Bottomline in our thriving ecosystem who are leveraging Open Banking technology to deliver greater value and improved choice. David Beardmore | Ecosystem Development Director | Open Banking Implementation Entity (OBIE)
Resources News
Resources News
Industry insight
What is Open Banking  Industry Insights thumbnail

What is Open Banking?

Podcast
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How the Payments landscape is changing for the businesses in light of Open Banking and Request to Pay

White paper

Open Banking: Changing the Way Businesses Pay and Get Paid

Best practice guide
pay direct guide

How to win and keep customers with Pay Direct

News
Small business open banking

Small Business Banking Targeted in Open Banking Initiatives

News
treasury today

Treasury Today: Can You Spare the Time for Payments Progress?

Press release
Bottomline boosts the way businesses collect cash with Pay Direct PR thumbnail

Bottomline boosts the way businesses collect cash with Pay Direct

Payment Initiation Services (PIS) are provided by Bottomline Payment Services, who are authorized by the Financial Conduct Authority under the Payment Services Regulations for the provision of payment services with FCA registration number 616279.

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