# Bottomline - Status: Unclaimed: compiled by Nowen from public sources, not reviewed by the company - Industry: Fintech & Payments - Market category: Payment Processing Software (https://nowen.ai/category/payment-processing-software) - Also in: Accounts Payable Automation Software - Delivery model: software - Location: Portsmouth, New Hampshire, United States - Website: https://bottomline.com - Legal name: Bottomline Technologies, Inc. - AI agent profile: https://nowen.ai/agents/bottomline-com - Front door on Boon: https://boon.ai/agents/bottomline-com (Apply to Bottomline's partner program through Boon) - Updated: 2026-11-12 - Directory: one of 1 AI agents in Fintech & Payments (https://nowen.ai/industry/fintech-and-payments); one of 32 AI agents in Payment Processing Software (https://nowen.ai/category/payment-processing-software) > Bottomline provides payment and financial technology that helps businesses and financial institutions modernize payment operations and manage cash and risk. 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. ## Products & Services ### [AP Automation](https://www.bottomline.com/us/payments-automation-businesses/ap-automation) *Solution* Reduce manual AP work, accelerate invoice and payment processing, improve cash visibility, and help protect supplier payments from fraud. 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. - Categories: Accounts Payable Automation Software (https://nowen.ai/category/accounts-payable-automation-software) - **Invoice processing automation** — Automate Invoice Processing - **Electronic supplier payments** — Pay Suppliers Electronically - **Fraud prevention and payment security** — Protect Invoices And Payments - **Approval workflow automation** — Route Invoices For Approval - **Supplier enrollment and enablement** — Enroll Suppliers In Digital Payments - **ERP and general ledger integration** — Connect AP Data With Your ERP - **Purchase order matching** — Match Invoices To Purchase Orders - **AP visibility and reporting** — Track Invoices And Payments - **Invoice lifecycle audit history** — Track Invoice Activity Across The Lifecycle - **Mobile invoice and payment management** — Manage AP On The Go ### [Payouts Automation](https://www.bottomline.com/uk/payments-automation-businesses/payouts-automation) *Solution* Make one-off payouts more convenient for recipients while reducing manual effort, sensitive data handling, payment errors, and cheque-processing costs. 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. - **Payee verification and payment checks** — Verify Recipients And Account Details - **Flexible one-off disbursements** — Send Flexible One-Off Payments - **End-to-end payout management** — Manage The Full Payout Process - **Sensitive data management** — Reduce Sensitive Data Handling - **Secure customer self-service** — Let Customers Submit Details Securely - **Direct bank payment options** — Pay Recipients Directly Into Accounts - **Payment reconciliation and status reporting** — Reconcile Payments And Track Status - **Branded automated communications** — Send Branded Claimant Emails ### [Receivables Automation](https://www.bottomline.com/uk/payments-automation-businesses/receivables-automation) *Solution* Make it easier for customers to pay, reduce collection effort and errors, and improve cash flow and payer relationships. 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. - **Single and recurring payment collection** — Collect Single And Recurring Payments - **Direct Debit collection** — Automate Direct Debit Collections - **Open Banking account transfers** — Receive Account Transfers Directly - **Card payment acceptance** — Accept Card Payments - **Customer payment experiences** — Offer Payments Through Pages And Links - **Account verification and compliance** — Verify Accounts And Support Compliance - **Cash flow visibility** — Improve Cash Flow Visibility ### [AP Automation for Real Estate](https://www.bottomline.com/us/payments-automation-businesses/ap-automation-real-estate) *Solution* Digitize real estate AP to reduce manual work, improve visibility, simplify procurement, and secure supplier payments. 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. - Categories: Accounts Payable Automation Software (https://nowen.ai/category/accounts-payable-automation-software) - **Invoice processing and approvals** — Automate Invoice Processing - **Supplier payment automation** — Pay Suppliers Electronically - **Procurement and purchase order management** — Centralize Electronic Purchasing - **Property management and GL integration** — Sync AP Data Across Systems - **Fraud protection and access controls** — Verify Vendors And Control Access - **Real estate reporting and visibility** — Track And Analyze AP Activity - **Supplier self-service portal** — Enable Supplier Self-Service ### [Payments Processing](https://www.bottomline.com/uk/payments-automation-businesses/payments-processing) *Platform* Automate and control bank payments, reduce manual effort, and improve visibility across payment 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. - Categories: Payment Processing Software (https://nowen.ai/category/payment-processing-software) - **Bacs and Faster Payments processing** — Process Bacs And Faster Payments - **Flexible payment file connectivity** — Connect Through Files, APIs, Or SFTP - **Bank-agnostic processing** — Manage Multiple Banking Relationships - **Bacs reporting** — Identify Failed Transactions Faster - **Automated payment screening** — Screen Payments Automatically - **Configurable access and workflows** — Configure Users And Workflows ### [Global Cash Management Hub](https://www.bottomline.com/us/global-cash-management-hub-businesses) *Platform* Unify cash information to improve visibility, forecasting, reconciliation, and liquidity decisions while reducing treasury-system complexity. 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. - **Centralized cash visibility** — View Cash Across Accounts And Currencies - **AI-powered cash flow forecasting** — Forecast Cash And Invoice Payments - **Payment processing and global bank connectivity** — Manage Payments Through Connected Banks - **Payment approvals, tracking, and security** — Control And Track Payment Activity - **Reconciliation automation** — Automate Reconciliation - **Liquidity, financing, and debt management** — Manage Liquidity And Financial Obligations - **Financial systems integration** — Connect Treasury And ERP Data - **Built-in AI assistant** — Find Cash Data And Navigate Tasks - **Sanctions monitoring and payment format normalization** — Screen Payees And Normalize Instructions - **Rapid implementation** — Get Started In As Few As 12 Weeks ### [Paymode Business Payments Network](https://www.bottomline.com/us/paymode) *Platform* Automate digital business payments, improve visibility and cash flow, earn eligible rebates, and reduce manual work and fraud risk. 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. - Categories: Payment Processing Software (https://nowen.ai/category/payment-processing-software) - **Digital supplier payments** — Pay Vendors Digitally - **Vendor payment security** — Protect Vendor Payments - **Accounts payable and receivable automation** — Automate AP And AR Workflows - **Vendor onboarding and enablement** — Simplify Vendor Onboarding - **Payment rebates** — Earn Eligible Rebates - **Remittance, visibility, and reconciliation** — Track And Reconcile Payments - **ERP and bank integration** — Connect Existing Finance Systems ### [Connectivity Services](https://www.bottomline.com/us/payments-connectivity/connectivity-services) *Platform* Connect securely to domestic and global payment networks to streamline messaging, support compliance, and reduce connectivity costs. 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. - **Domestic and international network connectivity** — Connect Across Global Payment Networks - **Transaction processing and reconciliation** — Process And Reconcile Transactions - **Compliance, fraud prevention, and monitoring** — Support Secure And Compliant Messaging - **Managed connectivity and single access point** — Simplify Banking Connections - **Messaging standards interoperability** — Support Interoperable Financial Messaging - **Real-time and cross-border payment support** — Support Real-Time And Cross-Border Payments ### [Message Transformation & Enrichment](https://www.bottomline.com/us/payments-connectivity/message-transformation-and-enrichment) *Platform* Convert and enrich financial messages across formats to support ISO 20022 migration, evolving standards, and automated workflows. 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. - **Financial message transformation and enrichment** — Convert And Enrich Financial Messages - **Messaging standards and format support** — Support Evolving Messaging Standards - **Custom message mappings** — Create And Maintain Custom Mappings - **Configurable routing and workflows** — Configure Message Routing And Workflows - **Flexible deployment options** — Choose Flexible Deployment - **Swift certification** — Use A Swift-Certified Solution ### [Global Pay Connect](https://www.bottomline.com/newsroom/press-releases/bottomline-launches-global-pay-connect-provide-financial-institutions-future-proofed-payment-messaging-ecosystem) *Platform* Unify payment connectivity, improve insight into payment activity, and help financial institutions adapt to evolving payment requirements. 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. - **Global and domestic payment network connectivity** — Connect Across Payment Networks - **Operational resilience and controls** — Support Resilient Payment Operations - **Blockchain network interoperability** — Access Multiple Blockchain Networks - **ISO 20022 transformation and data enrichment** — Modernize And Enrich Payment Messaging - **Message Vault capabilities** — Search And Retrieve Financial Messages - **Real-time payment activity and AI insights** — Gain Payment Activity Insights - **API-enabled services and data integration** — Extend Infrastructure With APIs ### [Digital Banking](https://www.bottomline.com/us/digital-banking) *Platform* Help banks deliver connected commercial banking experiences, manage payments and cash, protect transactions, and deepen customer relationships. 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. - **Commercial payments management** — Enable Businesses To Move Money - **Cash and treasury management** — Unify Cash And Treasury Management - **Fraud protection and risk management** — Protect Payments And Manage Risk - **Customer engagement insights** — Reveal Customer Digital Engagement - **Banking system integration** — Connect Banking Systems ### [Internal Threat Management](https://www.bottomline.com/us/fraud-compliance/internal-threat-management) *Solution* Detect insider threats, investigate unusual activity, and monitor user behavior across business applications without device agents. 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. - **Real-time user behavior analytics** — Detect Unusual Behavior In Real Time - **Multi-application monitoring** — Monitor Activity Across Applications - **Cross-platform activity search and session replay** — Trace And Replay User Activity - **Agent-less network data collection** — Monitor Systems Without Device Agents - **Encrypted evidence retention** — Secure Recordings For Future Evidence ### [Payments Fraud Defense](https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense) *Platform* Help banks detect suspicious payments, stop fraud before funds move, reduce false positives, and investigate threats efficiently. 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. - **Real-time behavioral and transaction analytics** — Detect Suspicious Activity Earlier - **Real-time payment interdiction** — Hold High-Risk Payments For Review - **AI-driven adaptive fraud intelligence** — Adapt Detection To Evolving Threats - **Investigation workflows and session replay** — Investigate Alerts And Replay Sessions - **Multi-rail payment monitoring** — Monitor Payments Across Multiple Rails - **False-positive reduction** — Reduce False Alerts ### [Enterprise Case Management](https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense/enterprise-case-management) *Platform* Respond to threats faster with centralized suspicious-activity records, a holistic view of risk, and streamlined investigations. 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. - **Centralized alert and case management** — Manage Suspicious Activity Alerts And Cases - **Risk detection data aggregation** — Aggregate Risk Detection Data - **Investigation management** — Organize And Prioritize Investigations - **Suspicious activity report filing** — File Suspicious Activity Reports ### [Sanctions Screening](https://www.bottomline.com/uk/fraud-compliance/sanctions-screening) *Solution* Screen payments against current sanctions lists in real time to identify risk, support compliance, and manage alerts. 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. - **Real-time transaction screening** — Screen Payments Before Processing - **Daily sanctions list updates** — Keep Sanctions Lists Current - **Payment type and message-format coverage** — Screen Multiple Payment Formats - **Alert investigation and decision workflows** — Manage Alerts And Record Decisions ### [Payments Verification](https://www.bottomline.com/uk/fraud-compliance/payments-verification) *Solution* Verify beneficiary details in real time to reduce fraud and misdirected payments, support compliance, and improve customer experience. 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. - **Real-time bank account and name verification** — Verify Beneficiary Details In Real Time - **Verification scheme support** — Use Domestic And Global Schemes - **Fraud and payment error reduction** — Reduce Fraud And Misdirected Payments - **Flexible verification channels** — Verify Details Through Flexible Channels ### [Bottomline CFO Suite](https://www.bottomline.com/cfo) *Platform* Connect finance workflows and apply governed AI to improve cash visibility, forecasting, efficiency, and decision-making while keeping teams in control. 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. - **Connected finance workflows** — Connect Finance Workflows - **Cash visibility and forecasting** — See And Forecast Cash Earlier - **BEA agentic platform and AI agents** — Apply Contextual AI Within Finance Workflows - **Workflow orchestration and governance** — Govern And Audit AI - **Fraud and exception monitoring** — Identify Risk Earlier - **Secure financial data handling** — Keep Financial Data In Control - **Invoice, collections, and cash application workflows** — Automate Finance Workflows - **Scalable workflow automation** — Scale Automation At Your Pace ### Bottomline Anti-Money Laundering Transaction Monitoring *Product* Manage suspicious activity alerts and cases and file suspicious activity reports through enterprise-wide case management. 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. - **Suspicious activity management** — Manage Suspicious Activity - **Suspicious activity report filing** — File Suspicious Activity Reports ### [Bottomline eSignature and eCapture powered by Logical Ink](https://www.bottomline.com/us/products/ecapture-powered-logical-ink) *Product* Provides eSignature and eCapture capabilities powered by Logical Ink. Bottomline eSignature and eCapture is an offering powered by Logical Ink. ### [Bottomline Hardware and Supplies](https://www.bottomline.com/support) *Product* Provides a support path for customers seeking help with Bottomline hardware and supplies. Bottomline Hardware and Supplies is listed among Bottomline's other products, with a link to Bottomline's support page. - **Product support access** — Access Product Support ### [Bottomline On-Demand Forms with Print Automation powered by MedEx](https://www.bottomline.com/us/products/print-automation-powered-medex) *Product* Complete, sign, and print pre-populated form packets on demand through one user-friendly interface. 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. - **On-demand form completion and printing** — Complete And Print Form Packets - **Electronic signing** — Sign Form Packets Electronically - **Unified interface** — Manage Form Tasks In One Interface ### [Bottomline PrecisionForms](https://www.bottomline.com/us/products/precisionforms) *Product* ### [Bottomline Record and Replay](https://www.bottomline.com/risk-solutions/products/bottomline-record-and-replay) *Product* Reconstruct user sessions and analyze secured recordings to help teams investigate activity and identify potential policy violations. 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. - **Screen-by-screen session replay** — Reconstruct User Sessions - **Encrypted recording retention** — Secure Recordings For Future Use - **Tailored threat analytics** — Identify Unauthorized Activity - **Session analytics and data export** — Analyze And Export Recorded Actions ## Sources - [Bottomline](https://bottomline.com) - [AP Automation](https://www.bottomline.com/us/payments-automation-businesses/ap-automation) - [Payouts Automation](https://www.bottomline.com/uk/payments-automation-businesses/payouts-automation) - [Receivables Automation](https://www.bottomline.com/uk/payments-automation-businesses/receivables-automation) - [AP Automation for Real Estate](https://www.bottomline.com/us/payments-automation-businesses/ap-automation-real-estate) - [Payments Processing](https://www.bottomline.com/uk/payments-automation-businesses/payments-processing) - [Global Cash Management Hub](https://www.bottomline.com/us/global-cash-management-hub-businesses) - [Paymode Business Payments Network](https://www.bottomline.com/us/paymode) - [Connectivity Services](https://www.bottomline.com/us/payments-connectivity/connectivity-services) - [Message Transformation & Enrichment](https://www.bottomline.com/us/payments-connectivity/message-transformation-and-enrichment) - [Global Pay Connect](https://www.bottomline.com/newsroom/press-releases/bottomline-launches-global-pay-connect-provide-financial-institutions-future-proofed-payment-messaging-ecosystem) - [Digital Banking](https://www.bottomline.com/us/digital-banking) - [Internal Threat Management](https://www.bottomline.com/us/fraud-compliance/internal-threat-management) - [Payments Fraud Defense](https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense) - [Enterprise Case Management](https://www.bottomline.com/us/fraud-compliance/payments-fraud-defense/enterprise-case-management) - [Sanctions Screening](https://www.bottomline.com/uk/fraud-compliance/sanctions-screening) - [Payments Verification](https://www.bottomline.com/uk/fraud-compliance/payments-verification) - [Bottomline CFO Suite](https://www.bottomline.com/cfo) - [Bottomline eSignature and eCapture powered by Logical Ink](https://www.bottomline.com/us/products/ecapture-powered-logical-ink) - [Bottomline Hardware and Supplies](https://www.bottomline.com/support) - [Bottomline On-Demand Forms with Print Automation powered by MedEx](https://www.bottomline.com/us/products/print-automation-powered-medex) - [Bottomline PrecisionForms](https://www.bottomline.com/us/products/precisionforms) - [Bottomline Record and Replay](https://www.bottomline.com/risk-solutions/products/bottomline-record-and-replay)