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Monetize Low-Value Payments

Paymode, our vendor-funded B2B payments network, is accessed directly within our industry-leading commercial Digital Banking platform. It gives your customers a seamless way to pay vendors, while you both earn non-interest income on every payment.

Every time your business customers pay a vendor using Premium ACH, a proprietary payment type within Paymode for Digital Banking, a rebate is generated. It’s like an incentive model that feels a lot like cash back. The Premium ACH payment type turns routine, low-value payments into a new source of incremental income for both your bank and your business customers.

Grow Deposits, Enhance Engagement, Fight Fraud

Providing a seamless, secure, and engaging payment solution that drives lasting value.

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Boost Retention & Grow Deposits

By turning your customers’ routine payments into a source of incremental income, Paymode for Digital Banking keeps your bank at the center of their daily operations —driving deeper engagement, long-term loyalty, and deposit growth.

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Deepen Digital Engagement

Because Paymode is embedded within Digital Banking, there are no redirects or extra logins. Customers easily enroll and pay their vendors directly from your platform, keeping you in control of your brand.

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Fight Payments Fraud

Over 300 data points are used to validate and authenticate every business on the Paymode network, helping safeguard each step of the Premium ACH payment process. Ensuring the high-level security your customers, their vendors, and your bank expect. 

Not Currently Offering Your Customers the Award-Winning Commercial Digital Banking Solution?

We’ve got you covered. Discover how our customer-centric digital banking platform can help deepen relationships and expand opportunities. Built on pillars of payment innovation, rich customer insights, data connectivity, and risk mitigation, it serves as the seamless front door to comprehensive, commercial digital banking.

Other Solutions

Expand commercial digital banking offerings with our other solutions and secure the primary banking relationship.

Digital Banking

Own the primary customer relationship and grow business value with the only all-in-one platform for payments, cash management, treasury management, and a B2B payments network.

Connectivity Services

Securely process, reconcile, and manage the data in financial transactions within and between banks and non-banking financial institutions, domestically and internationally.

Message Transformation & Enrichment

Effortlessly meet message standard compliance obligations, now and in the future, with an intelligent data transformation and workflow engine.

Global Cash Management

Automate and manage complex manual processes to optimize payments and grow through industry leading-visibility, forecasting, and reconciliation.
Bottomline Technologies
Testimonials

What Our Customers Say

Our partnership with Bottomline is another exciting alignment with a cutting-edge technology provider to offer best-in-class solutions to managing supplier payments. UMB is focused on providing solutions to our clients, and Paymode will allow us to build on existing partnerships to provide the best possible customer experience.

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Frequently Asked Questions

What is Paymode?

Paymode is a business-to-business (B2B) digital payments network. Originally developed by Bank of America and acquired by Bottomline in 2009, it now processes over $450 billion in B2B payments annually for over 600,000 vendors all with zero successful fraud attempts.

Why should a business customer choose to pay their vendors through Paymode for Digital Banking?
  • Earn rebates on all Premium ACH payments vs a traditional ACH payment
  • Improve AP efficiency by reducing payment costs, time required to make the payment and decreased errors from manual processes
  • Reduce fraud as Bottomline validates all vendor credentials and accounts
  • Minimize check payments to lower payment fraud risk
Is the customer enrollment process easy?

It is. It’s a self-service offered directly within your Digital Banking platform. It takes only a few steps to enroll, and businesses will see all the benefits of enabling Paymode and a few differences between traditional ACH and Premium ACH.

How long after enrollment can a customer pay a vendor?

Following a few setup steps after enrollment, businesses can begin paying their vendors quickly. Instructions are provided directly in the Digital Banking platform for simplicity and to alleviate calls to the bank.

Why would a vendor choose receive payments on the Paymode network?
  • Consolidated remittance information across all payers
  • Guaranteed good funds
  • Faster receipt of payments reducing Days Sales Outstanding (DSO)
  • Reduce fraud risk with secure ACH delivery
  • KYC and AML compliance checks built-in
Does this compliment or hurt my current credit card fee income?

Offering this payment type to your business customers complements your existing credit card programs by replacing traditional ACH and check payments—creating an additional revenue stream.

Get In Touch

Learn more about the enrollment process with Paymode and start offering Premium ACH payments to your business customers using Bottomline for commercial digital banking.