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.
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
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Unlock new revenue opportunities while delivering added value to your business customers with Paymode for Digital Banking.
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.
Providing a seamless, secure, and engaging payment solution that drives lasting value.
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.
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.
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.
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.
Support your business customers digital banking experience, from SMBs to enterprises, with scalable, integrated fraud, financial messaging, and payment solutions.
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Adapt to evolving standards like ISO 20022 with tools that transform and enrich messages for accuracy, compliance, and interoperability.
Proactively combat payment fraud, reduce risk, meet regulatory requirements, and mitigate evolving threats through a highly extensible and flexible platform.
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.
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 $500 billion in B2B payments annually for over 600,000 suppliers all with zero successful fraud attempts.
Paymode for Digital Banking is embedded directly within Bottomline’s Commercial Digital Banking platform, giving your business customers a seamless way to enroll and make payments without redirects or additional logins. Through this integration, banks gain the industry’s only commercial digital banking platform combined with a B2B payments network, enabling Premium ACH payments, vendor validation, and payment monetization—all inside the digital banking experience.
Paymode currently supports Premium ACH, a proprietary payment type that generates rebates for both banks and their business customers. Additional payment methods including virtual card and check conversion into Premium ACH—are part of the near‑term roadmap.
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.
Business customers pay no direct cost to receive value from Premium ACH; instead, Paymode uses a vendor‑funded rebate model, like credit card rewards. Banks pay only a small, fixed services fee to enable Paymode within their digital banking environment, delivered through Bottomline’s services team.
Bottomline’s network is trusted by 600,000+ verified vendors, enabling broad adoption across small businesses, mid‑market companies, and large enterprises. Any business customer using your Bottomline‑powered Commercial Digital Banking platform can enroll and transact through Paymode.
Following a few setup steps after enrollment, businesses can begin paying their supplier quickly. Instructions are provided directly in the Digital Banking platform for simplicity and to alleviate calls to the bank.
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.
Yes. Paymode is built on a closed, highly secure ecosystem that validates and authenticates over 300 data points for every business in the network. Security features include:
Learn more about the enrollment process with Paymode and start offering Premium ACH payments to your business customers using Bottomline for commercial digital banking.
