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
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.
Gain actionable insights to enhance your understanding of commercial and small business payments and cash management customers.
Engagement Optimizer, a module of Digital Banking, provides timely insight into how your clients engage digitally. It provides daily updates on key online actions, including logins, transactions, and feature use.
Use data to identify additional sales or relationship-building opportunities.
Drive more proactive customer outreach based on user and customer portfolio level behavior and activity.
Benchmark against peers to evaluate digital engagement levels and treasury service penetration.
Track and manage migration waves and activity to ensure customers are retained and the process is successful.
Support your business customers digital banking experience, from SMBs to enterprises, with scalable, integrated fraud, financial messaging, and payment solutions.
Bridge the digital banking gap for SMBs with essential insights and advanced tools for payments, fraud protection, and account control.
Learn More
Connect to global payment networks with secure, scalable financial messaging tools that streamline operations, ensure compliance, and reduce costs.
Deliver the industry-leading Digital Banking platform to open the door to scalable solutions—deepening relationships and driving business growth.
Capitalize on low-value ACH payments with Paymode—Bottomline’s embedded business payments network—helping your customers earn rebates while generating non-interest income for your bank.
Engagement Optimizer is a data‑driven analytics module within Bottomline’s Commercial Digital Banking platform designed to deliver real‑time insight into how your commercial and small business customers engage digitally. It surfaces prioritized, actionable intelligence to help banks understand login behavior, transaction activity, and feature adoption—updated daily, and in some cases intra‑day. Its purpose is to help banks strengthen relationships, reduce churn, identify emerging risks, and uncover growth opportunities throughout the customer lifecycle.
Engagement Optimizer is a native component of Bottomline’s Digital Banking platform, meaning it integrates seamlessly. No additional systems or third‑party tools are required. It pulls data directly from digital interactions, treasury services, and payment behavior happening across the platform, providing relationship managers with a unified view of customer engagement. This integration ensures that insights drive immediate action, empowering bankers to respond quickly to changes in engagement, service usage, or digital adoption.
Yes. Engagement Optimizer includes a Salesforce Connector, which pushes insights, alerts, and opportunity notes directly into CRM workflows through pre‑built APIs. This integration enhances banker productivity by embedding engagement insights into the CRM environment they already use, enabling proactive outreach and more efficient relationship management.
Engagement Optimizer analyzes a broad set of digital engagement and transaction behaviors, including:
This comprehensive dataset allows banks to detect early signals, such as declining activity or rising interest in new capabilities, and act before opportunities or risks escalate.
Engagement Optimizer drives revenue and strengthens client relationships by:
Engagement Optimizer delivers timely engagement reports that go beyond standard summaries, offering:
These reports help treasury, relationship managers, and operations teams monitor performance and take targeted action.
You can explore the Digital Banking platform and Engagement Optimizer in two ways:
Want to learn more about Bottomline's Digital Banking solutions? Let’s talk.
