{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/bottomline-com","markdownUrl":"https://nowen.ai/agents/bottomline-com.md","jsonUrl":"https://nowen.ai/agents/bottomline-com.json","name":"Bottomline","legalName":"Bottomline Technologies, Inc.","website":"https://bottomline.com","location":"Portsmouth, New Hampshire, United States","address":{"city":"Portsmouth","state":"New Hampshire","country":"United States"},"industry":"Fintech & Payments","deliveryModel":"software","marketCategories":{"primary":{"name":"Payment Processing Software","url":"https://nowen.ai/category/payment-processing-software"},"others":[{"name":"Accounts Payable Automation Software","url":"https://nowen.ai/category/accounts-payable-automation-software"}]},"status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-11-12T17:52:08.736Z","summary":"Bottomline provides payment and financial technology that helps businesses and financial institutions modernize payment operations and manage cash and risk.","description":"Bottomline helps businesses and financial institutions transform how they pay and get paid. It provides secure, connected capabilities for business payments, cash management, financial connectivity, and fraud prevention, helping organizations modernize payment operations, manage risk, and improve financial workflows.","mission":"Help businesses transform the way they pay and get paid by modernizing business payments and delivering impactful results for customers.","directory":{"industryName":"Fintech & Payments","agentCount":1,"indexable":false,"hubUrl":"https://nowen.ai/industry/fintech-and-payments"},"categoryDirectory":{"name":"Payment Processing Software","agentCount":32,"indexable":true,"url":"https://nowen.ai/category/payment-processing-software"},"aiReaderFamilies":[],"boonFrontDoor":{"url":"https://boon.ai/agents/bottomline-com","label":"Apply to Bottomline's partner program through Boon","sub":"Your AI agent writes the proposal: who you are, the fit, and a first step."},"products":[{"name":"AP Automation","anchor":"product-ap-automation","type":"Solution","url":"https://www.bottomline.com/us/payments-automation-businesses/ap-automation","summary":"Reduce manual AP work, accelerate invoice and payment processing, improve cash visibility, and help protect supplier payments from fraud.","description":"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.","pricing":{},"features":[{"name":"Invoice processing automation","value":"Automate Invoice Processing","valueDescription":"Reduce manual work across invoice receipt, data capture, matching, coding, and approvals, and process invoices within connected ERP workflows."},{"name":"Electronic supplier payments","value":"Pay Suppliers Electronically","valueDescription":"Use Premium ACH and virtual card payments to move away from paper checks, accelerate payment processing, and earn rebates on eligible payments."},{"name":"Fraud prevention and payment security","value":"Protect Invoices And Payments","valueDescription":"Apply vendor verification and payment monitoring to help identify suspicious activity, protect payment information, and reduce exposure to invoice and payment fraud."},{"name":"Approval workflow automation","value":"Route Invoices For Approval","valueDescription":"Move invoices to the appropriate approvers through configured workflows, helping teams review invoices promptly and process payments by their due dates."},{"name":"Supplier enrollment and enablement","value":"Enroll Suppliers In Digital Payments","valueDescription":"Offload supplier outreach and enrollment tasks to help increase electronic payment adoption and reduce administrative work for AP teams."},{"name":"ERP and general ledger integration","value":"Connect AP Data With Your ERP","valueDescription":"Exchange AP data with ERP and general ledger systems to support invoice approvals and payments while maintaining the existing system of record."},{"name":"Purchase order matching","value":"Match Invoices To Purchase Orders","valueDescription":"Automate purchase order matching to reduce manual AP work and help invoices progress through processing."},{"name":"AP visibility and reporting","value":"Track Invoices And Payments","valueDescription":"Use dashboards, reports, and audit trails to review AP activity, identify invoice status and bottlenecks, and access payment and discount information."},{"name":"Invoice lifecycle audit history","value":"Track Invoice Activity Across The Lifecycle","valueDescription":"Review recorded user actions and invoice activity from receipt through later processing stages."},{"name":"Mobile invoice and payment management","value":"Manage AP On The Go","valueDescription":"Review and approve invoices and supplier payments using the mobile app, and check payment history and invoice details away from a desk."}],"marketCategories":[{"name":"Accounts Payable Automation Software","url":"https://nowen.ai/category/accounts-payable-automation-software"}]},{"name":"Payouts Automation","anchor":"product-payouts-automation","type":"Solution","url":"https://www.bottomline.com/uk/payments-automation-businesses/payouts-automation","summary":"Make one-off payouts more convenient for recipients while reducing manual effort, sensitive data handling, payment errors, and cheque-processing costs.","description":"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.","pricing":{},"features":[{"name":"Payee verification and payment checks","value":"Verify Recipients And Account Details","valueDescription":"Check recipient names and account details before payment to help reduce misdirected or failed payments and payment fraud."},{"name":"Flexible one-off disbursements","value":"Send Flexible One-Off Payments","valueDescription":"Pay recipients directly into bank accounts for a range of one-off payment needs."},{"name":"End-to-end payout management","value":"Manage The Full Payout Process","valueDescription":"Coordinate claimant details, verification, payment, and confirmation in one end-to-end process."},{"name":"Sensitive data management","value":"Reduce Sensitive Data Handling","valueDescription":"Limit the need to manage sensitive payment and personal information internally, helping reduce associated risks and support GDPR compliance."},{"name":"Secure customer self-service","value":"Let Customers Submit Details Securely","valueDescription":"Give customers a convenient way to provide payment details through secure forms and links."},{"name":"Direct bank payment options","value":"Pay Recipients Directly Into Accounts","valueDescription":"Send funds directly to recipients' bank accounts and choose between Bacs and Faster Payments."},{"name":"Payment reconciliation and status reporting","value":"Reconcile Payments And Track Status","valueDescription":"Use data integrations and daily reports to update systems and track payment-link status."},{"name":"Branded automated communications","value":"Send Branded Claimant Emails","valueDescription":"Communicate with claimants using automated emails branded for the organization."}]},{"name":"Receivables Automation","anchor":"product-receivables-automation","type":"Solution","url":"https://www.bottomline.com/uk/payments-automation-businesses/receivables-automation","summary":"Make it easier for customers to pay, reduce collection effort and errors, and improve cash flow and payer relationships.","description":"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.","pricing":{},"features":[{"name":"Single and recurring payment collection","value":"Collect Single And Recurring Payments","valueDescription":"Bring single and recurring payment collection together in one platform to reduce manual receivables tasks."},{"name":"Direct Debit collection","value":"Automate Direct Debit Collections","valueDescription":"Collect recurring payments, fixed fees, variable amounts, and one-off transactions through Direct Debit."},{"name":"Open Banking account transfers","value":"Receive Account Transfers Directly","valueDescription":"Offer customers an account transfer option that sends funds directly into the business bank account."},{"name":"Card payment acceptance","value":"Accept Card Payments","valueDescription":"Give customers the option to pay by card online or over the phone for one-off and recurring transactions."},{"name":"Customer payment experiences","value":"Offer Payments Through Pages And Links","valueDescription":"Choose hosted checkout pages, payment links, or APIs to create payment journeys suited to customer channels."},{"name":"Account verification and compliance","value":"Verify Accounts And Support Compliance","valueDescription":"Apply verification, secure data management, auditing, and reporting to help mitigate fraud and reduce compliance burden."},{"name":"Cash flow visibility","value":"Improve Cash Flow Visibility","valueDescription":"Use timely collection notifications, payer data, and dashboard views of submissions and collection activity to support cash flow."}]},{"name":"AP Automation for Real Estate","anchor":"product-ap-automation-for-real-estate","type":"Solution","url":"https://www.bottomline.com/us/payments-automation-businesses/ap-automation-real-estate","summary":"Digitize real estate AP to reduce manual work, improve visibility, simplify procurement, and secure supplier payments.","description":"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.","pricing":{},"features":[{"name":"Invoice processing and approvals","value":"Automate Invoice Processing","valueDescription":"Reduce manual invoice work and route approvals according to organizational requirements."},{"name":"Supplier payment automation","value":"Pay Suppliers Electronically","valueDescription":"Move supplier payments away from paper checks and provide payment visibility."},{"name":"Procurement and purchase order management","value":"Centralize Electronic Purchasing","valueDescription":"Manage electronic purchase orders and supplier catalog ordering in one platform."},{"name":"Property management and GL integration","value":"Sync AP Data Across Systems","valueDescription":"Connect property management and general ledger systems to exchange AP and job cost data."},{"name":"Fraud protection and access controls","value":"Verify Vendors And Control Access","valueDescription":"Check vendors, flag suspicious activity, and control employee access to AP processes."},{"name":"Real estate reporting and visibility","value":"Track And Analyze AP Activity","valueDescription":"Review invoice and payment progress, audit records, spending, and real estate-specific reporting."},{"name":"Supplier self-service portal","value":"Enable Supplier Self-Service","valueDescription":"Give suppliers online access to submit invoices and check payments, reducing status inquiries."}],"marketCategories":[{"name":"Accounts Payable Automation Software","url":"https://nowen.ai/category/accounts-payable-automation-software"}]},{"name":"Payments Processing","anchor":"product-payments-processing","type":"Platform","url":"https://www.bottomline.com/uk/payments-automation-businesses/payments-processing","summary":"Automate and control bank payments, reduce manual effort, and improve visibility across payment processing.","description":"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.","pricing":{},"features":[{"name":"Bacs and Faster Payments processing","value":"Process Bacs And Faster Payments","valueDescription":"Make and collect debit and credit payments through Bacs and Faster Payments."},{"name":"Flexible payment file connectivity","value":"Connect Through Files, APIs, Or SFTP","valueDescription":"Submit payment files using a connection method that suits existing systems."},{"name":"Bank-agnostic processing","value":"Manage Multiple Banking Relationships","valueDescription":"Use existing banks or manage multiple bank relationships without separate payment applications."},{"name":"Bacs reporting","value":"Identify Failed Transactions Faster","valueDescription":"Use status and rejection reports to identify failed transactions and resolve issues sooner."},{"name":"Automated payment screening","value":"Screen Payments Automatically","valueDescription":"Screen payments to help reduce fraud risk and protect payment processing."},{"name":"Configurable access and workflows","value":"Configure Users And Workflows","valueDescription":"Align user roles and workflows with organizational payment requirements."}],"marketCategories":[{"name":"Payment Processing Software","url":"https://nowen.ai/category/payment-processing-software"}]},{"name":"Global Cash Management Hub","anchor":"product-global-cash-management-hub","type":"Platform","url":"https://www.bottomline.com/us/global-cash-management-hub-businesses","summary":"Unify cash information to improve visibility, forecasting, reconciliation, and liquidity decisions while reducing treasury-system complexity.","description":"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.","pricing":{},"features":[{"name":"Centralized cash visibility","value":"View Cash Across Accounts And Currencies","valueDescription":"Bring cash information together across connected systems to provide a more complete view of cash positions."},{"name":"AI-powered cash flow forecasting","value":"Forecast Cash And Invoice Payments","valueDescription":"Use AI predictions to improve forecasts, support liquidity planning, and inform financial decisions."},{"name":"Payment processing and global bank connectivity","value":"Manage Payments Through Connected Banks","valueDescription":"Coordinate payment instructions, bank connections, and domestic or international payment workflows from the platform."},{"name":"Payment approvals, tracking, and security","value":"Control And Track Payment Activity","valueDescription":"Apply configured approvals and security controls while monitoring payment status, audit records, anomalies, and sanctions checks."},{"name":"Reconciliation automation","value":"Automate Reconciliation","valueDescription":"Reduce manual reconciliation work, identify discrepancies, and support faster, more accurate reporting."},{"name":"Liquidity, financing, and debt management","value":"Manage Liquidity And Financial Obligations","valueDescription":"Review cash, obligations, and forecasts to support liquidity planning and borrowing decisions."},{"name":"Financial systems integration","value":"Connect Treasury And ERP Data","valueDescription":"Bring key finance and banking data into one secure platform."},{"name":"Built-in AI assistant","value":"Find Cash Data And Navigate Tasks","valueDescription":"Ask the built-in agent to surface information and guide users to the relevant place to perform a task."},{"name":"Sanctions monitoring and payment format normalization","value":"Screen Payees And Normalize Instructions","valueDescription":"Support payment controls and banking requirements through sanctions checks and standard-format payment data."},{"name":"Rapid implementation","value":"Get Started In As Few As 12 Weeks","valueDescription":"Begin using the solution in as few as 12 weeks, according to the product description."}]},{"name":"Paymode Business Payments Network","anchor":"product-paymode-business-payments-network","type":"Platform","url":"https://www.bottomline.com/us/paymode","summary":"Automate digital business payments, improve visibility and cash flow, earn eligible rebates, and reduce manual work and fraud risk.","description":"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.","pricing":{},"features":[{"name":"Digital supplier payments","value":"Pay Vendors Digitally","valueDescription":"Send supplier payments through the network using electronic methods such as Premium ACH and virtual cards."},{"name":"Vendor payment security","value":"Protect Vendor Payments","valueDescription":"Apply vendor checks and layered security to help reduce exposure to payment fraud."},{"name":"Accounts payable and receivable automation","value":"Automate AP And AR Workflows","valueDescription":"Reduce manual work across invoice processing, payments, collections, tracking, and reconciliation."},{"name":"Vendor onboarding and enablement","value":"Simplify Vendor Onboarding","valueDescription":"Have Bottomline support vendor enrollment and maintenance to help expand electronic payment adoption."},{"name":"Payment rebates","value":"Earn Eligible Rebates","valueDescription":"Generate and track cash-back rebates from eligible payments."},{"name":"Remittance, visibility, and reconciliation","value":"Track And Reconcile Payments","valueDescription":"View payment status and use remittance information to support invoice matching and reconciliation."},{"name":"ERP and bank integration","value":"Connect Existing Finance Systems","valueDescription":"Exchange payment data with existing finance and banking systems."}],"marketCategories":[{"name":"Payment Processing Software","url":"https://nowen.ai/category/payment-processing-software"}]},{"name":"Connectivity Services","anchor":"product-connectivity-services","type":"Platform","url":"https://www.bottomline.com/us/payments-connectivity/connectivity-services","summary":"Connect securely to domestic and global payment networks to streamline messaging, support compliance, and reduce connectivity costs.","description":"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.","pricing":{},"features":[{"name":"Domestic and international network connectivity","value":"Connect Across Global Payment Networks","valueDescription":"Access multiple financial messaging networks through Bottomline connectivity."},{"name":"Transaction processing and reconciliation","value":"Process And Reconcile Transactions","valueDescription":"Manage transaction data across financial messaging channels."},{"name":"Compliance, fraud prevention, and monitoring","value":"Support Secure And Compliant Messaging","valueDescription":"Use stated security, compliance, monitoring, and fraud-prevention tools to support financial messaging operations."},{"name":"Managed connectivity and single access point","value":"Simplify Banking Connections","valueDescription":"Standardize messaging and file transfers while reducing the need to operate connectivity processes and infrastructure internally."},{"name":"Messaging standards interoperability","value":"Support Interoperable Financial Messaging","valueDescription":"Help financial messages move across differing formats and standards."},{"name":"Real-time and cross-border payment support","value":"Support Real-Time And Cross-Border Payments","valueDescription":"Use connectivity for domestic and cross-border payment activity and transaction tracking."}]},{"name":"Message Transformation & Enrichment","anchor":"product-message-transformation-and-enrichment","type":"Platform","url":"https://www.bottomline.com/us/payments-connectivity/message-transformation-and-enrichment","summary":"Convert and enrich financial messages across formats to support ISO 20022 migration, evolving standards, and automated workflows.","description":"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.","pricing":{},"features":[{"name":"Financial message transformation and enrichment","value":"Convert And Enrich Financial Messages","valueDescription":"Support interoperability and add structured payment information across financial messaging systems."},{"name":"Messaging standards and format support","value":"Support Evolving Messaging Standards","valueDescription":"Use format support and mappings to address ISO 20022 migration and changing messaging requirements."},{"name":"Custom message mappings","value":"Create And Maintain Custom Mappings","valueDescription":"Configure mappings for individual requirements and update them as standards evolve."},{"name":"Configurable routing and workflows","value":"Configure Message Routing And Workflows","valueDescription":"Set up message flows and routing rules to meet operational requirements."},{"name":"Flexible deployment options","value":"Choose Flexible Deployment","valueDescription":"Choose standalone or integrated deployment to suit existing environments."},{"name":"Swift certification","value":"Use A Swift-Certified Solution","valueDescription":"Support financial messaging operations with a Swift-certified service."}]},{"name":"Global Pay Connect","anchor":"product-global-pay-connect","type":"Platform","url":"https://www.bottomline.com/newsroom/press-releases/bottomline-launches-global-pay-connect-provide-financial-institutions-future-proofed-payment-messaging-ecosystem","summary":"Unify payment connectivity, improve insight into payment activity, and help financial institutions adapt to evolving payment requirements.","description":"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.","pricing":{},"features":[{"name":"Global and domestic payment network connectivity","value":"Connect Across Payment Networks","valueDescription":"Use one platform to connect to major global and domestic payment networks."},{"name":"Operational resilience and controls","value":"Support Resilient Payment Operations","valueDescription":"Bring resilience, compliance, and fraud controls together as payment demands evolve."},{"name":"Blockchain network interoperability","value":"Access Multiple Blockchain Networks","valueDescription":"Connect to multiple blockchain networks through one integration model."},{"name":"ISO 20022 transformation and data enrichment","value":"Modernize And Enrich Payment Messaging","valueDescription":"Support evolving standards and gain greater value from payment data through transformation, enrichment, and validation."},{"name":"Message Vault capabilities","value":"Search And Retrieve Financial Messages","valueDescription":"Access financial message data across systems and formats to support visibility, audit, and operational needs."},{"name":"Real-time payment activity and AI insights","value":"Gain Payment Activity Insights","valueDescription":"Use real-time visibility and AI-enabled insights to derive more value from payment data."},{"name":"API-enabled services and data integration","value":"Extend Infrastructure With APIs","valueDescription":"Extend existing payment infrastructure and integrate third-party data."}]},{"name":"Digital Banking","anchor":"product-digital-banking","type":"Platform","url":"https://www.bottomline.com/us/digital-banking","summary":"Help banks deliver connected commercial banking experiences, manage payments and cash, protect transactions, and deepen customer relationships.","description":"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.","pricing":{},"features":[{"name":"Commercial payments management","value":"Enable Businesses To Move Money","valueDescription":"Let business customers manage supported payment types through the platform."},{"name":"Cash and treasury management","value":"Unify Cash And Treasury Management","valueDescription":"Bring cash and treasury management together with payments and digital banking."},{"name":"Fraud protection and risk management","value":"Protect Payments And Manage Risk","valueDescription":"Integrate fraud protection and risk management into the commercial banking experience."},{"name":"Customer engagement insights","value":"Reveal Customer Digital Engagement","valueDescription":"Review digital engagement data to support customer relationships."},{"name":"Banking system integration","value":"Connect Banking Systems","valueDescription":"Connect systems and add capabilities to the digital banking experience."}]},{"name":"Internal Threat Management","anchor":"product-internal-threat-management","type":"Solution","url":"https://www.bottomline.com/us/fraud-compliance/internal-threat-management","summary":"Detect insider threats, investigate unusual activity, and monitor user behavior across business applications without device agents.","description":"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.","pricing":{},"features":[{"name":"Real-time user behavior analytics","value":"Detect Unusual Behavior In Real Time","valueDescription":"Monitor activity as it occurs to help identify internal threats sooner."},{"name":"Multi-application monitoring","value":"Monitor Activity Across Applications","valueDescription":"Bring data from multiple applications together for analysis and alerts."},{"name":"Cross-platform activity search and session replay","value":"Trace And Replay User Activity","valueDescription":"Search user activity and review recorded sessions screen by screen to understand what happened."},{"name":"Agent-less network data collection","value":"Monitor Systems Without Device Agents","valueDescription":"Monitor applications without installing agents on employee devices."},{"name":"Encrypted evidence retention","value":"Secure Recordings For Future Evidence","valueDescription":"Keep recordings available for future review, including potential use as evidence."}]},{"name":"Payments Fraud Defense","anchor":"product-payments-fraud-defense","type":"Platform","url":"https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense","summary":"Help banks detect suspicious payments, stop fraud before funds move, reduce false positives, and investigate threats efficiently.","description":"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.","pricing":{},"features":[{"name":"Real-time behavioral and transaction analytics","value":"Detect Suspicious Activity Earlier","valueDescription":"Monitor activity in real time to help fraud teams identify risk before funds move."},{"name":"Real-time payment interdiction","value":"Hold High-Risk Payments For Review","valueDescription":"Examine suspicious payments before funds move, then release or block them following investigation."},{"name":"AI-driven adaptive fraud intelligence","value":"Adapt Detection To Evolving Threats","valueDescription":"Use AI-driven capabilities and fraud intelligence to refine detection as threats change."},{"name":"Investigation workflows and session replay","value":"Investigate Alerts And Replay Sessions","valueDescription":"Connect relevant data and review recorded activity to support fraud investigations."},{"name":"Multi-rail payment monitoring","value":"Monitor Payments Across Multiple Rails","valueDescription":"Apply fraud monitoring across supported payment types and formats."},{"name":"False-positive reduction","value":"Reduce False Alerts","valueDescription":"Focus resources on higher-risk activity; Bottomline cites a 30% reduction in false positives from enhanced detection and response."}]},{"name":"Enterprise Case Management","anchor":"product-enterprise-case-management","type":"Platform","url":"https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense/enterprise-case-management","summary":"Respond to threats faster with centralized suspicious-activity records, a holistic view of risk, and streamlined investigations.","description":"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.","pricing":{},"features":[{"name":"Centralized alert and case management","value":"Manage Suspicious Activity Alerts And Cases","valueDescription":"Bring alerts and suspicious activity cases together in one system of record."},{"name":"Risk detection data aggregation","value":"Aggregate Risk Detection Data","valueDescription":"Bring information from risk detection solutions together to support investigations."},{"name":"Investigation management","value":"Organize And Prioritize Investigations","valueDescription":"Manage investigations centrally and review business risk holistically."},{"name":"Suspicious activity report filing","value":"File Suspicious Activity Reports","valueDescription":"Support SAR filing within suspicious activity management."}]},{"name":"Sanctions Screening","anchor":"product-sanctions-screening","type":"Solution","url":"https://www.bottomline.com/uk/fraud-compliance/sanctions-screening","summary":"Screen payments against current sanctions lists in real time to identify risk, support compliance, and manage alerts.","description":"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.","pricing":{},"features":[{"name":"Real-time transaction screening","value":"Screen Payments Before Processing","valueDescription":"Check transactions in time to support payment decisions."},{"name":"Daily sanctions list updates","value":"Keep Sanctions Lists Current","valueDescription":"Use updated list information and supported local or international providers."},{"name":"Payment type and message-format coverage","value":"Screen Multiple Payment Formats","valueDescription":"Apply screening across supported payment types and message formats."},{"name":"Alert investigation and decision workflows","value":"Manage Alerts And Record Decisions","valueDescription":"Investigate potential breaches through configured review workflows and recorded decisions."}]},{"name":"Payments Verification","anchor":"product-payments-verification","type":"Solution","url":"https://www.bottomline.com/uk/fraud-compliance/payments-verification","summary":"Verify beneficiary details in real time to reduce fraud and misdirected payments, support compliance, and improve customer experience.","description":"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.","pricing":{},"features":[{"name":"Real-time bank account and name verification","value":"Verify Beneficiary Details In Real Time","valueDescription":"Check account and name information before payments are made."},{"name":"Verification scheme support","value":"Use Domestic And Global Schemes","valueDescription":"Access the stated verification schemes to check beneficiary details."},{"name":"Fraud and payment error reduction","value":"Reduce Fraud And Misdirected Payments","valueDescription":"Check beneficiary details before payment to help avoid sending funds to the wrong recipient."},{"name":"Flexible verification channels","value":"Verify Details Through Flexible Channels","valueDescription":"Choose API checks, ad hoc interface checks, or bulk verification."}]},{"name":"Bottomline CFO Suite","anchor":"product-bottomline-cfo-suite","type":"Platform","url":"https://www.bottomline.com/cfo","summary":"Connect finance workflows and apply governed AI to improve cash visibility, forecasting, efficiency, and decision-making while keeping teams in control.","description":"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.","pricing":{},"features":[{"name":"Connected finance workflows","value":"Connect Finance Workflows","valueDescription":"Bring finance operations together to support coordinated insight, execution, and control."},{"name":"Cash visibility and forecasting","value":"See And Forecast Cash Earlier","valueDescription":"Use connected cash information and AI assistance to support more informed decisions."},{"name":"BEA agentic platform and AI agents","value":"Apply Contextual AI Within Finance Workflows","valueDescription":"Use AI agents within established processes and organizational context while finance teams retain oversight."},{"name":"Workflow orchestration and governance","value":"Govern And Audit AI","valueDescription":"Introduce AI through controlled deployment and retain records of recommendations and actions."},{"name":"Fraud and exception monitoring","value":"Identify Risk Earlier","valueDescription":"Monitor transactions to help identify fraud and exceptions before execution."},{"name":"Secure financial data handling","value":"Keep Financial Data In Control","valueDescription":"Use AI within Bottomline platforms while keeping sensitive financial data under organizational control."},{"name":"Invoice, collections, and cash application workflows","value":"Automate Finance Workflows","valueDescription":"Use connected data and workflow support to manage invoices, collections, and cash application."},{"name":"Scalable workflow automation","value":"Scale Automation At Your Pace","valueDescription":"Begin with selected areas and expand use cases as requirements evolve."}]},{"name":"Bottomline Anti-Money Laundering Transaction Monitoring","anchor":"product-bottomline-anti-money-laundering-transaction-monitoring","type":"Product","url":"","summary":"Manage suspicious activity alerts and cases and file suspicious activity reports through enterprise-wide case management.","description":"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.","pricing":{},"features":[{"name":"Suspicious activity management","value":"Manage Suspicious Activity","valueDescription":"Organize alerts and cases in an enterprise-wide system."},{"name":"Suspicious activity report filing","value":"File Suspicious Activity Reports","valueDescription":"Support filing suspicious activity reports within the solution."}]},{"name":"Bottomline eSignature and eCapture powered by Logical Ink","anchor":"product-bottomline-esignature-and-ecapture-powered-by-logical-ink","type":"Product","url":"https://www.bottomline.com/us/products/ecapture-powered-logical-ink","summary":"Provides eSignature and eCapture capabilities powered by Logical Ink.","description":"Bottomline eSignature and eCapture is an offering powered by Logical Ink.","pricing":{},"features":[]},{"name":"Bottomline Hardware and Supplies","anchor":"product-bottomline-hardware-and-supplies","type":"Product","url":"https://www.bottomline.com/support","summary":"Provides a support path for customers seeking help with Bottomline hardware and supplies.","description":"Bottomline Hardware and Supplies is listed among Bottomline's other products, with a link to Bottomline's support page.","pricing":{},"features":[{"name":"Product support access","value":"Access Product Support","valueDescription":"Use the linked support page to find a way to contact Bottomline."}]},{"name":"Bottomline On-Demand Forms with Print Automation powered by MedEx","anchor":"product-bottomline-on-demand-forms-with-print-automation-powered-by-medex","type":"Product","url":"https://www.bottomline.com/us/products/print-automation-powered-medex","summary":"Complete, sign, and print pre-populated form packets on demand through one user-friendly interface.","description":"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.","pricing":{},"features":[{"name":"On-demand form completion and printing","value":"Complete And Print Form Packets","valueDescription":"Complete and print pre-populated, barcoded packets when needed."},{"name":"Electronic signing","value":"Sign Form Packets Electronically","valueDescription":"Sign form packets using the solution's interface."},{"name":"Unified interface","value":"Manage Form Tasks In One Interface","valueDescription":"Use one interface to complete, sign, or print form packets."}]},{"name":"Bottomline PrecisionForms","anchor":"product-bottomline-precisionforms","type":"Product","url":"https://www.bottomline.com/us/products/precisionforms","summary":"","description":"","pricing":{},"features":[]},{"name":"Bottomline Record and Replay","anchor":"product-bottomline-record-and-replay","type":"Product","url":"https://www.bottomline.com/risk-solutions/products/bottomline-record-and-replay","summary":"Reconstruct user sessions and analyze secured recordings to help teams investigate activity and identify potential policy violations.","description":"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.","pricing":{},"features":[{"name":"Screen-by-screen session replay","value":"Reconstruct User Sessions","valueDescription":"Review recorded activity to understand what happened and support investigations."},{"name":"Encrypted recording retention","value":"Secure Recordings For Future Use","valueDescription":"Keep recordings protected and available for future review."},{"name":"Tailored threat analytics","value":"Identify Unauthorized Activity","valueDescription":"Configure analytics to help detect unauthorized changes and policy violations."},{"name":"Session analytics and data export","value":"Analyze And Export Recorded Actions","valueDescription":"Use analytics tools to review recorded actions or make them available to external analytics environments."}]}],"audiences":[],"segments":[],"faq":[],"comparisons":[],"sources":[{"url":"https://bottomline.com","text":"Bottomline"},{"url":"https://www.bottomline.com/us/payments-automation-businesses/ap-automation","text":"AP Automation"},{"url":"https://www.bottomline.com/uk/payments-automation-businesses/payouts-automation","text":"Payouts Automation"},{"url":"https://www.bottomline.com/uk/payments-automation-businesses/receivables-automation","text":"Receivables Automation"},{"url":"https://www.bottomline.com/us/payments-automation-businesses/ap-automation-real-estate","text":"AP Automation for Real Estate"},{"url":"https://www.bottomline.com/uk/payments-automation-businesses/payments-processing","text":"Payments Processing"},{"url":"https://www.bottomline.com/us/global-cash-management-hub-businesses","text":"Global Cash Management Hub"},{"url":"https://www.bottomline.com/us/paymode","text":"Paymode Business Payments Network"},{"url":"https://www.bottomline.com/us/payments-connectivity/connectivity-services","text":"Connectivity Services"},{"url":"https://www.bottomline.com/us/payments-connectivity/message-transformation-and-enrichment","text":"Message Transformation & Enrichment"},{"url":"https://www.bottomline.com/newsroom/press-releases/bottomline-launches-global-pay-connect-provide-financial-institutions-future-proofed-payment-messaging-ecosystem","text":"Global Pay Connect"},{"url":"https://www.bottomline.com/us/digital-banking","text":"Digital Banking"},{"url":"https://www.bottomline.com/us/fraud-compliance/internal-threat-management","text":"Internal Threat Management"},{"url":"https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense","text":"Payments Fraud Defense"},{"url":"https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense/enterprise-case-management","text":"Enterprise Case Management"},{"url":"https://www.bottomline.com/uk/fraud-compliance/sanctions-screening","text":"Sanctions Screening"},{"url":"https://www.bottomline.com/uk/fraud-compliance/payments-verification","text":"Payments Verification"},{"url":"https://www.bottomline.com/cfo","text":"Bottomline CFO Suite"},{"url":"https://www.bottomline.com/us/products/ecapture-powered-logical-ink","text":"Bottomline eSignature and eCapture powered by Logical Ink"},{"url":"https://www.bottomline.com/support","text":"Bottomline Hardware and Supplies"},{"url":"https://www.bottomline.com/us/products/print-automation-powered-medex","text":"Bottomline On-Demand Forms with Print Automation powered by MedEx"},{"url":"https://www.bottomline.com/us/products/precisionforms","text":"Bottomline PrecisionForms"},{"url":"https://www.bottomline.com/risk-solutions/products/bottomline-record-and-replay","text":"Bottomline Record and Replay"}]}