
Intelligent engagement
Drive customer loyalty and increase revenue through unique and insightful interactions

Core banking integration
Easy and flexible integration to core systems

Customer experience
Personalized workspace with a mobile responsive design

Trust and security
Integrated fraud monitoring, behavior analytics and case management
- One stop shop for your business customers to support all the services you deliver, including remote deposit capture, business billpay, seamless sign-on and more
- Faster payments ecosystem with real-time payment enablement, Same-Day ACH and embedded fraud protection
- Improve your competitiveness with corporate users. Scalable to handle account and transaction growth, sophisticated entitlements and multiple workflows along with specialized reports
- Payments automation so corporates with large payment volumes can securely send all payment types to the bank at once, regardless of payment method or business purpose
- Lockout payment fraud through deep layers of security integrated with the customer cash management experience
- Standards-based API gateway for banks and partners so you can build and bundle new products and services
- Customer experience that leverages simple workflow navigation, drag and drop features, native mobile capabilities, coupled with mobile responsive design
- Streamline payment operations and monetize accounts payable through a built-in B2B integrated payables network designed for corporate payers
Small/medium business and corporate payments centers
- Make commercial banking easy for your business customers so they don’t have to be banking experts
- Domestic and international wires
- Loan payments
- Transfers including one-to-many and many-to-one
- Tax payments
- Vendor address book for bill payment


Faster payments ecosystem
The Clearing House RTP® Network and the FedNow℠ Service
- Position for a faster payments ecosystem with real-time payment enablement, wires and Same Day ACH, with embedded fraud protection
- Send and receive real-time credit transfers on the RTP network; Deliver instant payments with the FedNow Service.
- Immediate access to funds
- Immediate and automated payment status updates
- Integrated remittance and payment information
- Instant request for payment functionality
- Enhanced communication between parties through conversational capabilities
Cash management and reporting
- One-stop shop for your business customers to support all the services you deliver, and improve your competitiveness with corporate users
- Real-time access to balance and transactions
- Data visualization and insights
- Cash concentration
- Account transfers
- Loan management and reporting
- Online statements
- Ad-hoc reporting capabilities
- Extended data retention
- Check and deposit imaging

Explore the Digital Banking IQ platform
From actionable insights to faster onboarding, the Digital Banking IQ platform is the leading intelligent engagement solution for banking and payments.
Engagement Optimizer for Digital Banking IQ
Built-in intelligence about your most valuable customers at your fingertips, in real-time.
Learn More
Digital Banking IQ for Payments and Cash Management
Unify your commercial customer experience and strengthen payments and cash management services via a platform featuring rich UI and UX capabilities, machine learning and artificial intelligence.
Learn More

Bottomline’s expertise and trusted provider status keeps M&T Bank ahead of the market and helps keep them focused on commercial and business banking success.
Why Bottomline?
Find out why we rank Best in Class, Best Partner, #1 for product features, #1 for client service, #1 for client strength and top ranking for vendor stability.

AIM Evaluation: The Leading Providers of U.S. Cash Management
VIEW THE Research reportGET IN TOUCH
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