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.
Automate every step of your invoice-to-payment process
For Businesses
Digitize and automate AP processes with the most trusted solution for real estate
Centralize and automate all your payment creation, controls, and submissions
Make and receive secure digital payments conveniently through Paymode, the market leading B2B payments network trusted by over 600,000 member businesses.
Pay vendors through the largest B2B payments network to enhance working capital, prevent fraud, and reduce costs and processing time
Protect your business against fraud, get paid faster, and save time with enhanced remittance details
Boost revenue for your business and your customers with access to Paymode, our secure business payment network
Comprehensive connectivity to Swift and other domestic and global financial messaging networks
For Banks & Financial Institutions
Convert legacy financial message formats to modern message standards
Easily view analytics of financial messages with central repository
View, optimize, and forecast your cash position with all accounts connected in one solution
Own the primary customer relationship and grow business value across all business segments
Robust ecosystem of solutions, partners, APIs, and analytics designed to drive innovation, efficiency, scalability, and new business opportunities
Combat payment fraud and evolving threats in real-time with a SaaS solution that helps you stop fraud before it happens.
Identify unusual behavior from insiders or intruders before their high-risk activities disrupt your business.
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
Join the many financial institutions and businesses that use Bottomline to pay and get paid. With solutions designed to modernize the payments landscape, we make complex business payments simple, smart, and secure.
Our Company
All Resources
Expand your knowledge and stay up-to-date on the latest industry news with helpful white papers, datasheets, industry reports, learning articles, and more.
Prevent payment threats in real-time with Payments Fraud Defense, a cloud-based, highly extensive, and flexible risk mitigation platform. Securely integrate cutting-edge fraud prevention technology into your banking systems for seamless payment interdiction.
Identify unusual behaviors that could damage your business. Use our cutting-edge technology to spot anomalies and investigate thoroughly.
Fraudsters do not employ one-size-fits-all techniques and neither should your mitigation solution. As fraud evolves and regulations change, our configurable libraries with proven best-practice fraud risk indicators ensure your organization is compliant every step of the way, no matter the region, country, or industry.
Build greater defenses in a landscape of increased risk and regulations with our insights into common and emerging fraud schemes. You’ll help secure your organization as well as your customers.
Speed your investigations through visual link analysis and Record and Replay. Block fraudulent payments in real-time to prevent loss.
Make fact-based decisions and avoid reputational damage with a finely tuned fraud detection system. Eliminate perceived negligence, false alerts, and major fraud incidents that can undermine customer confidence.
Understand anomalies in user behavior, clearly identify suspicious activities, and facilitate effective fraud investigations without disrupting your normal operations. With Record and Replay, security teams can review end-user activity and examine evidence with no dependency on data availability and quality in log files.
Access flexible AI capabilities designed to optimize fraud prevention, elevate customer experience, and drive operational efficiency.
Bottomline automatically puts transactions on hold, allowing suspicious events and high-risk payments to be examined in the Alert Investigation Center. Connect the dots easily between users, accounts, transactions, and a plethora of data to get a fuller understanding of the risks. Once the investigation is complete and funds are verified, analysts can release funds or block them if determined fraudulent.
Payments Fraud Defense monitors trillions of transactions worldwide in almost any format, including ACH, FedWire, RTP, FedNow, Swift, SEPA, SIC, Check, and ISO20022.
Bottomline’s strategic consultants partner with you to help navigate the complex fraud landscape, make critical decisions and create a blueprint for long-term growth.
Fight fraud, guard against data breaches, and protect your business from sophisticated threats.
Organize, prioritize, and manage investigations by aggregating data from all your risk detection solutions into a centralized tool.
Learn how Bottomline protects $500 billion in B2B payments annually from fraud.
Payments Fraud Defense builds on Secure Payments by bringing more capabilities together in a single platform. Key features that were once optional or separate are now standard, combined with AI-drive detection, analytics tuning, intelligence augmentation, interdiction precision, and session replay to help banks detect fraud earlier and respond faster.
Payments Fraud Defense enables earlier detection and real-time response across the commercial payments lifecycle, helping banks identify risk sooner, act faster, and better protect B2B payment activity supported by more advanced built-in capabilities.
Yes. Payments Fraud Defense can operate as a primary fraud platform or alongside your existing fraud tools. This gives your bank flexibility to expand coverage, reduce blind spots, and strengthen protection across payment channels without requiring a complete replacement.
Payments Fraud Defense brings together key fraud prevention capabilities in a single platform, including:
Payments Fraud Defense analyzes activity across the full payment journey, not just the transaction itself. By correlating login, session behavior, and payment activity, it can identify suspicious patterns sooner, helping reduce fraud losses, operational complexity and investigation time.
Payments Fraud Defense uses AI-driven detection capabilities designed to adapt as fraud patterns evolve. It continuously refines analytics with new signals and broader intelligence, helps improve detection accuracy, reduces false positives, and supports stronger real-time decisioning.
Payments Fraud Defense is designed to monitor commercial payments across multiple rails and formats, including (but not limited to) ACH, wire, real-time payments, Swift, SEPA, checks, and ISO 20022-based payment flows. Supported coverage depends on a bank’s environment and implementation scope.
Yes, Payments Fraud Defense is delivered through Bottomline’s secure, regulated, proprietary cloud. This makes it faster to deploy, easier to scale, and better aligned to security and compliance requirements.
Payments Fraud Defense helps reduce manual effort by combining detection, tuning, investigation support, and interdiction into a unified platform. This can help lower false positives, streamline investigations, and reduce dependency on multiple separate tools.
Payments Fraud Defense is designed to work with a broader fraud intelligence, and Bottomline is currently piloting a consortium model through Fraud Intelligence Exchange with a select group of commercial banking customers.
Through Fraud Intelligence Exchange, participating banks can securely share anonymized fraud signals to help identify suspicious activity earlier across commercial payments. The program enhances existing detection capabilities by providing broader visibility into emerging fraud patterns, while preserving data privacy and control.
Deployment timelines vary based on a bank’s environment, payment channels, and integration requirements. Payments Fraud Defense is designed for rapid deployment, and many institutions can begin realizing measurable value within weeks.
Payments Fraud Defense is designed for banks and financial institutions looking to strengthen their fraud prevention across commercial payments while improving investigation efficiency and customer protection.
Ready to talk about reducing your risk?
