Prioritize intelligent engagement to win the battle of primary ownership of the customer relationship.

Welcome to Your Intelligent Engagement Platform

The intelligent commercial bank platform for an insanely great commercial banking experience is here. Businesses want consistency with their retail banking experience and you need to drive intelligent engagement to deepen and grow those relationships.

It all starts with payment innovation for your small, midsize and corporate business customers that allow you to evolve into an intelligent business enabler. Seamlessly integrate into your core banking system with simple workflow navigation, drag and drop features and mobile responsive design — and that’s just the beginning.

Your commercial banking transformation starts here.

Deliver comprehensive payments and cash management capabilities

Through Digital Banking IQ, commercial banking is made easy for small to midsize business customers as well as large corporations so they don’t have to be banking experts.

Featuring a powerful combination of world-class payments and cash management services, rich features and advanced technologies, you will position your bank as an intelligent business enabler.

Digital Banking IQ Payments and Cash Management DS page image 2

Intelligent engagement capabilities anchored in payments and cash management while leveraging AI and machine learning for actionable insights

Award-winning UI and UX for a superior digital experience that impresses users

Architecturally flexible APIs to support your open banking initiatives

One-stop-shop for your business customers, supporting all the services you deliver while laying the foundation for future innovation

Faster and safer payments with real-time payment enablement and same day ACH, and including embedded payment fraud protection

Improve your competitiveness with corporate users. Match their day-to-day workflow through personalized and configurable workflow dashboards. Scalable to handle account and transaction growth, with sophisticated entitlements and specialized reports for deeper insights

Proven and trusted core cash management capabilities that allow you to serve businesses of any size

Innovative customer experience and rapid activation


  • Superior user interface and simple workflow navigation
  • Personalized workspace
  • Drag and drop features
  • Mobile responsive design and mobile app


  • Flexible integration to your core banking system
  • Branding and segmentation tools
  • Configurable customer experience management
  • Deep application integration
  • Standards-based API gateway for banks and partners
  • Payments automation so larger business back offices can efficiently deliver payments into the digital channel, including host-to-host and file-based offering


Want to learn more about Bottomline's digital banking solutions?

Call us.

Our payment experts are here to help.

+1 (800) 472 1321

Chat with us.

Chat with one of our payment experts. We'll recommend the right solution for you.

Accelerate your digital transformation.

Tell us a bit about you and your business and we’ll get back to you with all the information you need.

footer curve