Bottomline

Reduce manual AP work, accelerate invoice and payment processing, improve cash visibility, and help protect supplier payments from fraud.

Make one-off payouts more convenient for recipients while reducing manual effort, sensitive data handling, payment errors, and cheque-processing costs.

Make it easier for customers to pay, reduce collection effort and errors, and improve cash flow and payer relationships.

Digitize real estate AP to reduce manual work, improve visibility, simplify procurement, and secure supplier payments.

Automate and control bank payments, reduce manual effort, and improve visibility across payment processing.

Unify cash information to improve visibility, forecasting, reconciliation, and liquidity decisions while reducing treasury-system complexity.

Automate digital business payments, improve visibility and cash flow, earn eligible rebates, and reduce manual work and fraud risk.

Connect securely to domestic and global payment networks to streamline messaging, support compliance, and reduce connectivity costs.

Convert and enrich financial messages across formats to support ISO 20022 migration, evolving standards, and automated workflows.

Unify payment connectivity, improve insight into payment activity, and help financial institutions adapt to evolving payment requirements.

Help banks deliver connected commercial banking experiences, manage payments and cash, protect transactions, and deepen customer relationships.

Detect insider threats, investigate unusual activity, and monitor user behavior across business applications without device agents.

Help banks detect suspicious payments, stop fraud before funds move, reduce false positives, and investigate threats efficiently.

Respond to threats faster with centralized suspicious-activity records, a holistic view of risk, and streamlined investigations.

Screen payments against current sanctions lists in real time to identify risk, support compliance, and manage alerts.

Verify beneficiary details in real time to reduce fraud and misdirected payments, support compliance, and improve customer experience.

Connect finance workflows and apply governed AI to improve cash visibility, forecasting, efficiency, and decision-making while keeping teams in control.

Manage suspicious activity alerts and cases and file suspicious activity reports through enterprise-wide case management.

Provides eSignature and eCapture capabilities powered by Logical Ink.

Provides a support path for customers seeking help with Bottomline hardware and supplies.

Complete, sign, and print pre-populated form packets on demand through one user-friendly interface.

Reconstruct user sessions and analyze secured recordings to help teams investigate activity and identify potential policy violations.

AP Automation

Bottomline AP Automation streamlines accounts payable from invoice receipt through payment. It automates invoice capture, matching, coding, and approvals, and supports supplier payments by Premium ACH, virtual card, or check. ERP and general ledger integrations, supplier enrollment, payment security, visibility, and reporting support the invoice-to-payment process. Its Dynamics 365 capabilities include an invoice capture portal using OCR and machine learning to index documents and validate metadata, vendor-based coding and routing, flexible and mobile approvals, and invoice lifecycle audit visibility.

Category: Accounts Payable Automation Software

• Automate Invoice Processing
  Reduce manual work across invoice receipt, data capture, matching, coding, and approvals, and process invoices within connected ERP workflows.
• Pay Suppliers Electronically
  Use Premium ACH and virtual card payments to move away from paper checks, accelerate payment processing, and earn rebates on eligible payments.
• Protect Invoices And Payments
  Apply vendor verification and payment monitoring to help identify suspicious activity, protect payment information, and reduce exposure to invoice and payment fraud.
• Route Invoices For Approval
  Move invoices to the appropriate approvers through configured workflows, helping teams review invoices promptly and process payments by their due dates.
• Enroll Suppliers In Digital Payments
  Offload supplier outreach and enrollment tasks to help increase electronic payment adoption and reduce administrative work for AP teams.
• Connect AP Data With Your ERP
  Exchange AP data with ERP and general ledger systems to support invoice approvals and payments while maintaining the existing system of record.
• Match Invoices To Purchase Orders
  Automate purchase order matching to reduce manual AP work and help invoices progress through processing.
• Track Invoices And Payments
  Use dashboards, reports, and audit trails to review AP activity, identify invoice status and bottlenecks, and access payment and discount information.
• Track Invoice Activity Across The Lifecycle
  Review recorded user actions and invoice activity from receipt through later processing stages.
• Manage AP On The Go
  Review and approve invoices and supplier payments using the mobile app, and check payment history and invoice details away from a desk.

Payouts Automation

Bottomline PTX Payouts Automation helps organizations manage one-off payments such as refunds, claims, grants, prizes, promotional payments, and compensation. It distributes payment requests, collects and validates claimant details, issues direct credits, and confirms payments. Hosted self-service forms let recipients provide bank details without the organization storing sensitive payment information on its systems. Confirmation of Payee, bank account validation, and modulus checking help verify recipients. Payments can be made using Bacs or Faster Payments and reconciled through CSV downloads, callbacks, or APIs.

• Verify Recipients And Account Details
  Check recipient names and account details before payment to help reduce misdirected or failed payments and payment fraud.
• Send Flexible One-Off Payments
  Pay recipients directly into bank accounts for a range of one-off payment needs.
• Manage The Full Payout Process
  Coordinate claimant details, verification, payment, and confirmation in one end-to-end process.
• Reduce Sensitive Data Handling
  Limit the need to manage sensitive payment and personal information internally, helping reduce associated risks and support GDPR compliance.
• Let Customers Submit Details Securely
  Give customers a convenient way to provide payment details through secure forms and links.
• Pay Recipients Directly Into Accounts
  Send funds directly to recipients' bank accounts and choose between Bacs and Faster Payments.
• Reconcile Payments And Track Status
  Use data integrations and daily reports to update systems and track payment-link status.
• Send Branded Claimant Emails
  Communicate with claimants using automated emails branded for the organization.

Receivables Automation

Bottomline PTX Receivables Automation streamlines collection and management of single and recurring payments. It supports account transfers powered by Open Banking, Direct Debit, and card payments. Businesses can use hosted checkout pages, payment links, or APIs across customer engagement channels. Verification, secure data management, and reporting help reduce manual processing, errors, failed payments, and compliance burden.

• Collect Single And Recurring Payments
  Bring single and recurring payment collection together in one platform to reduce manual receivables tasks.
• Automate Direct Debit Collections
  Collect recurring payments, fixed fees, variable amounts, and one-off transactions through Direct Debit.
• Receive Account Transfers Directly
  Offer customers an account transfer option that sends funds directly into the business bank account.
• Accept Card Payments
  Give customers the option to pay by card online or over the phone for one-off and recurring transactions.
• Offer Payments Through Pages And Links
  Choose hosted checkout pages, payment links, or APIs to create payment journeys suited to customer channels.
• Verify Accounts And Support Compliance
  Apply verification, secure data management, auditing, and reporting to help mitigate fraud and reduce compliance burden.
• Improve Cash Flow Visibility
  Use timely collection notifications, payer data, and dashboard views of submissions and collection activity to support cash flow.

AP Automation for Real Estate

Bottomline AP Automation for Real Estate digitizes invoice-to-pay processes for multifamily, commercial real estate, and other real estate companies. It automates invoice processing, supplier payments, and procurement, and integrates with property management systems and general ledgers. Teams can configure approval workflows, manage electronic purchase orders and catalogs, track project job costs, and access invoice and payment information, reports, and audit logs. Modular capabilities can be added over time.

Category: Accounts Payable Automation Software

• Automate Invoice Processing
  Reduce manual invoice work and route approvals according to organizational requirements.
• Pay Suppliers Electronically
  Move supplier payments away from paper checks and provide payment visibility.
• Centralize Electronic Purchasing
  Manage electronic purchase orders and supplier catalog ordering in one platform.
• Sync AP Data Across Systems
  Connect property management and general ledger systems to exchange AP and job cost data.
• Verify Vendors And Control Access
  Check vendors, flag suspicious activity, and control employee access to AP processes.
• Track And Analyze AP Activity
  Review invoice and payment progress, audit records, spending, and real estate-specific reporting.
• Enable Supplier Self-Service
  Give suppliers online access to submit invoices and check payments, reducing status inquiries.

Payments Processing

Bottomline PTX is a scalable, cloud-based SaaS platform for submitting, managing, and processing business bank payments. It provides direct access to Bacs and Faster Payments, supports debit and credit payments, and accommodates organizations of any size and industry. Businesses can submit files through uploads, APIs, or SFTP, work with one or multiple banks, and use Bacs reporting, cheque processing, automated payment screening, and integrations with finance and business systems.

Category: Payment Processing Software

• Process Bacs And Faster Payments
  Make and collect debit and credit payments through Bacs and Faster Payments.
• Connect Through Files, APIs, Or SFTP
  Submit payment files using a connection method that suits existing systems.
• Manage Multiple Banking Relationships
  Use existing banks or manage multiple bank relationships without separate payment applications.
• Identify Failed Transactions Faster
  Use status and rejection reports to identify failed transactions and resolve issues sooner.
• Screen Payments Automatically
  Screen payments to help reduce fraud risk and protect payment processing.
• Configure Users And Workflows
  Align user roles and workflows with organizational payment requirements.

Global Cash Management Hub

Bottomline's Global Cash Management Hub connects treasury, accounting, compliance, bank, and ERP data in one secure platform. It provides visibility across cash accounts, currencies, subsidiaries, and instruments, with dashboards and reporting for forecasting, reconciliation, liquidity, foreign exchange, financing, risk, and debt management. AI predicts cash balances and incoming invoice payment dates, while the built-in Bea agent can surface information and guide users to tasks. The platform also supports sanctions checks, payment-format normalization, and centralized payment management through Payments Hub, including domestic and international payments, bank connectivity, payment workflows, tracking, tokenization, and security controls.

• View Cash Across Accounts And Currencies
  Bring cash information together across connected systems to provide a more complete view of cash positions.
• Forecast Cash And Invoice Payments
  Use AI predictions to improve forecasts, support liquidity planning, and inform financial decisions.
• Manage Payments Through Connected Banks
  Coordinate payment instructions, bank connections, and domestic or international payment workflows from the platform.
• Control And Track Payment Activity
  Apply configured approvals and security controls while monitoring payment status, audit records, anomalies, and sanctions checks.
• Automate Reconciliation
  Reduce manual reconciliation work, identify discrepancies, and support faster, more accurate reporting.
• Manage Liquidity And Financial Obligations
  Review cash, obligations, and forecasts to support liquidity planning and borrowing decisions.
• Connect Treasury And ERP Data
  Bring key finance and banking data into one secure platform.
• Find Cash Data And Navigate Tasks
  Ask the built-in agent to surface information and guide users to the relevant place to perform a task.
• Screen Payees And Normalize Instructions
  Support payment controls and banking requirements through sanctions checks and standard-format payment data.
• Get Started In As Few As 12 Weeks
  Begin using the solution in as few as 12 weeks, according to the product description.

Paymode Business Payments Network

Paymode is a business payments network for making and receiving secure digital payments. It supports AP and AR processes, including supplier payments by Premium ACH and virtual card, invoice and payment automation, remittance, and reconciliation. The network verifies vendors and applies authentication and fraud monitoring. It also supports vendor enrollment, ERP and bank integrations, payment visibility, reporting, mobile access, international payments, and partner offerings. Bottomline reports that Paymode connects more than 635,000 businesses and processes over $570 billion in annual B2B payments.

Category: Payment Processing Software

• Pay Vendors Digitally
  Send supplier payments through the network using electronic methods such as Premium ACH and virtual cards.
• Protect Vendor Payments
  Apply vendor checks and layered security to help reduce exposure to payment fraud.
• Automate AP And AR Workflows
  Reduce manual work across invoice processing, payments, collections, tracking, and reconciliation.
• Simplify Vendor Onboarding
  Have Bottomline support vendor enrollment and maintenance to help expand electronic payment adoption.
• Earn Eligible Rebates
  Generate and track cash-back rebates from eligible payments.
• Track And Reconcile Payments
  View payment status and use remittance information to support invoice matching and reconciliation.
• Connect Existing Finance Systems
  Exchange payment data with existing finance and banking systems.

Connectivity Services

Bottomline Connectivity Services provide a connection hub linking back-office systems and payment networks to domestic and international financial messaging networks. It supports networks including Swift, SEPA, Bacs, CHAPS, SIC, and Faster Payments, and supports real-time and cross-border payments, transaction tracking, ISO 20022, compliance, fraud prevention, and monitoring. Hosted connectivity and a single access point help organizations manage messaging operations and reduce software and in-house infrastructure costs.

• Connect Across Global Payment Networks
  Access multiple financial messaging networks through Bottomline connectivity.
• Process And Reconcile Transactions
  Manage transaction data across financial messaging channels.
• Support Secure And Compliant Messaging
  Use stated security, compliance, monitoring, and fraud-prevention tools to support financial messaging operations.
• Simplify Banking Connections
  Standardize messaging and file transfers while reducing the need to operate connectivity processes and infrastructure internally.
• Support Interoperable Financial Messaging
  Help financial messages move across differing formats and standards.
• Support Real-Time And Cross-Border Payments
  Use connectivity for domestic and cross-border payment activity and transaction tracking.

Message Transformation & Enrichment

Bottomline's hosted financial messaging service transforms and enriches messages between network formats, supporting migration from legacy formats to ISO 20022 and changing messaging requirements. It offers ready-to-use and custom mappings, more than 1,500 standard message formats, configurable workflows, and deployment as an API-accessible microservice or within an existing hosted messaging solution. The Swift-certified service supports financial institutions, banks, and corporates across payment and securities use cases.

• Convert And Enrich Financial Messages
  Support interoperability and add structured payment information across financial messaging systems.
• Support Evolving Messaging Standards
  Use format support and mappings to address ISO 20022 migration and changing messaging requirements.
• Create And Maintain Custom Mappings
  Configure mappings for individual requirements and update them as standards evolve.
• Configure Message Routing And Workflows
  Set up message flows and routing rules to meet operational requirements.
• Choose Flexible Deployment
  Choose standalone or integrated deployment to suit existing environments.
• Use A Swift-Certified Solution
  Support financial messaging operations with a Swift-certified service.

Global Pay Connect

Global Pay Connect is a SaaS platform for financial institutions that provides a resilient and adaptable foundation for payment messaging. It unifies connectivity across major global and domestic networks, supports ISO 20022 transformation and payment data enrichment, and provides real-time activity visibility and AI-enabled insights. API-enabled services and third-party data integration extend existing infrastructure. It supports interoperability with traditional and blockchain-based payment networks and includes Message Vault capabilities for financial messaging data access, search, retrieval, and export.

• Connect Across Payment Networks
  Use one platform to connect to major global and domestic payment networks.
• Support Resilient Payment Operations
  Bring resilience, compliance, and fraud controls together as payment demands evolve.
• Access Multiple Blockchain Networks
  Connect to multiple blockchain networks through one integration model.
• Modernize And Enrich Payment Messaging
  Support evolving standards and gain greater value from payment data through transformation, enrichment, and validation.
• Search And Retrieve Financial Messages
  Access financial message data across systems and formats to support visibility, audit, and operational needs.
• Gain Payment Activity Insights
  Use real-time visibility and AI-enabled insights to derive more value from payment data.
• Extend Infrastructure With APIs
  Extend existing payment infrastructure and integrate third-party data.

Digital Banking

Bottomline Digital Banking is a SaaS commercial banking platform for financial institutions. It brings together payments, cash and treasury management, fraud protection, and customer engagement in one connected experience. It supports business customers from small and midsize businesses to complex commercial enterprises and connects with core banking, payment, and third-party systems.

• Enable Businesses To Move Money
  Let business customers manage supported payment types through the platform.
• Unify Cash And Treasury Management
  Bring cash and treasury management together with payments and digital banking.
• Protect Payments And Manage Risk
  Integrate fraud protection and risk management into the commercial banking experience.
• Reveal Customer Digital Engagement
  Review digital engagement data to support customer relationships.
• Connect Banking Systems
  Connect systems and add capabilities to the digital banking experience.

Internal Threat Management

Bottomline Internal Threat Management provides visibility into internal threats across business applications. It monitors behavior in real time across legacy, SaaS, and web-based systems using behavioral monitoring, machine learning, analytics, dashboards, and alerts. Agent-less network data collection supports monitoring without installing device agents. Investigators can search recorded activity, identify users who accessed data, and replay sessions screen by screen. Encrypted recordings can be retained for future use, including as evidence in court proceedings.

• Detect Unusual Behavior In Real Time
  Monitor activity as it occurs to help identify internal threats sooner.
• Monitor Activity Across Applications
  Bring data from multiple applications together for analysis and alerts.
• Trace And Replay User Activity
  Search user activity and review recorded sessions screen by screen to understand what happened.
• Monitor Systems Without Device Agents
  Monitor applications without installing agents on employee devices.
• Secure Recordings For Future Evidence
  Keep recordings available for future review, including potential use as evidence.

Payments Fraud Defense

Payments Fraud Defense is a SaaS fraud prevention platform for banks and financial institutions. It combines behavioral analytics, AI-driven risk intelligence, configurable fraud indicators, real-time interdiction, investigation workflows, and session replay. It monitors payment and user activity across payment rails, identifies anomalies, and can hold high-risk payments for review. Analysts can release or block payments following investigation. The platform can complement existing fraud systems and runs on secure, regulated cloud infrastructure.

• Detect Suspicious Activity Earlier
  Monitor activity in real time to help fraud teams identify risk before funds move.
• Hold High-Risk Payments For Review
  Examine suspicious payments before funds move, then release or block them following investigation.
• Adapt Detection To Evolving Threats
  Use AI-driven capabilities and fraud intelligence to refine detection as threats change.
• Investigate Alerts And Replay Sessions
  Connect relevant data and review recorded activity to support fraud investigations.
• Monitor Payments Across Multiple Rails
  Apply fraud monitoring across supported payment types and formats.
• Reduce False Alerts
  Focus resources on higher-risk activity; Bottomline cites a 30% reduction in false positives from enhanced detection and response.

Enterprise Case Management

Bottomline Enterprise Case Management provides a centralized system of record for alerts and cases of suspicious activity. It aggregates data from risk detection solutions, helps teams organize, prioritize, and manage investigations, and supports filing suspicious activity reports (SARs). The offering also consolidates the alert, case, and SAR management capabilities described for Bottomline Anti-Money Laundering Transaction Monitoring.

• Manage Suspicious Activity Alerts And Cases
  Bring alerts and suspicious activity cases together in one system of record.
• Aggregate Risk Detection Data
  Bring information from risk detection solutions together to support investigations.
• Organize And Prioritize Investigations
  Manage investigations centrally and review business risk holistically.
• File Suspicious Activity Reports
  Support SAR filing within suspicious activity management.

Sanctions Screening

Bottomline Sanctions Screening screens financial transactions in real time against customer-selected domestic and international sanctions lists. It supports payment types and message formats, automatically updates published lists daily, and provides an interface for configuration, tuning, alert reviews, decision workflows, and audit trails.

• Screen Payments Before Processing
  Check transactions in time to support payment decisions.
• Keep Sanctions Lists Current
  Use updated list information and supported local or international providers.
• Screen Multiple Payment Formats
  Apply screening across supported payment types and message formats.
• Manage Alerts And Record Decisions
  Investigate potential breaches through configured review workflows and recorded decisions.

Payments Verification

Payments Verification provides real-time bank account and name verification to help banks, financial institutions, and businesses reduce payment fraud and misdirected payments. API-based pre-validation requests go directly to the beneficiary bank and support Confirmation of Payee, Verification of Payee, and Swift Beneficiary Account Verification. Businesses can verify details through an API, an interface for ad hoc checks, or bulk file uploads.

• Verify Beneficiary Details In Real Time
  Check account and name information before payments are made.
• Use Domestic And Global Schemes
  Access the stated verification schemes to check beneficiary details.
• Reduce Fraud And Misdirected Payments
  Check beneficiary details before payment to help avoid sending funds to the wrong recipient.
• Verify Details Through Flexible Channels
  Choose API checks, ad hoc interface checks, or bulk verification.

Bottomline CFO Suite

Bottomline CFO Suite connects accounts receivable, accounts payable, treasury, and payments workflows in a single operational view. Powered by the BEA Agentic Platform, it brings together finance data and workflows to support cash visibility, forecasting, automation, and risk management. AI supports tasks such as matching, prioritization, forecasting, and anomaly detection while teams retain oversight through rules, approvals, audit trails, and controlled deployment. Organizations can start with one use case and expand automation across finance workflows.

• Connect Finance Workflows
  Bring finance operations together to support coordinated insight, execution, and control.
• See And Forecast Cash Earlier
  Use connected cash information and AI assistance to support more informed decisions.
• Apply Contextual AI Within Finance Workflows
  Use AI agents within established processes and organizational context while finance teams retain oversight.
• Govern And Audit AI
  Introduce AI through controlled deployment and retain records of recommendations and actions.
• Identify Risk Earlier
  Monitor transactions to help identify fraud and exceptions before execution.
• Keep Financial Data In Control
  Use AI within Bottomline platforms while keeping sensitive financial data under organizational control.
• Automate Finance Workflows
  Use connected data and workflow support to manage invoices, collections, and cash application.
• Scale Automation At Your Pace
  Begin with selected areas and expand use cases as requirements evolve.

Bottomline Anti-Money Laundering Transaction Monitoring

This enterprise-wide alert and case management system creates and manages alerts and cases of suspicious activity and supports filing suspicious activity reports. Its capabilities are consolidated with Bottomline Enterprise Case Management in this list.

• Manage Suspicious Activity
  Organize alerts and cases in an enterprise-wide system.
• File Suspicious Activity Reports
  Support filing suspicious activity reports within the solution.

Bottomline eSignature and eCapture powered by Logical Ink

Bottomline eSignature and eCapture is an offering powered by Logical Ink.

Bottomline Hardware and Supplies

Bottomline Hardware and Supplies is listed among Bottomline's other products, with a link to Bottomline's support page.

• Access Product Support
  Use the linked support page to find a way to contact Bottomline.

Bottomline On-Demand Forms with Print Automation powered by MedEx

Bottomline On-Demand Forms with Print Automation powered by MedEx lets users complete, sign, or print pre-populated, barcoded form packets on demand, including wristbands and labels, through one interface.

• Complete And Print Form Packets
  Complete and print pre-populated, barcoded packets when needed.
• Sign Form Packets Electronically
  Sign form packets using the solution's interface.
• Manage Form Tasks In One Interface
  Use one interface to complete, sign, or print form packets.

Bottomline Record and Replay

Bottomline Record and Replay reconstructs user sessions screen by screen so investigators, security officers, and auditors can review what happened. Recordings are encrypted and secured for future use, including as evidence in court proceedings. Session actions can be analyzed with Bottomline's analytics engine or sent to data lakes and third-party analytics tools. Tailored analytics can help identify unauthorized client-data changes and employee policy violations.

• Reconstruct User Sessions
  Review recorded activity to understand what happened and support investigations.
• Secure Recordings For Future Use
  Keep recordings protected and available for future review.
• Identify Unauthorized Activity
  Configure analytics to help detect unauthorized changes and policy violations.
• Analyze And Export Recorded Actions
  Use analytics tools to review recorded actions or make them available to external analytics environments.