Bottomline

Name

Bottomline

Legal name

Bottomline Technologies, Inc.

Website

https://bottomline.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Business Payments Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Payment Gateways & Orchestration (BPAMAFAA), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• B2B payments network
• AP automation software
• Cash management software
• SWIFT connectivity services
• Payment fraud prevention

Headquarters

HQ city

Portsmouth

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription/SaaS Fees: Bottomline provides cloud-based software solutions on a subscription basis for payments automation, cash management, fraud prevention, and connectivity services.
2. Transaction/Payment Processing Fees: Revenue generated from processing payments through the Paymode network, including Premium ACH and virtual card payments. Banks can monetize ACH payments through integrated network fees and rebate structures.
3. Network Rebates and Network Fees: Bottomline generates recurring non-interest income through integrated network fees and rebate structures for banks using the Paymode platform. Businesses can earn rebates on payment spend through Premium ACH and Virtual Card memberships.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Bottomline provides cloud-based business payments and financial technology software for banks, financial institutions, and corporations. Its offerings include the Paymode B2B payments network, AP automation, a Payments Hub, a Global Cash Management Hub, a Commercial Digital Banking platform for financial institutions, SWIFT connectivity and ISO 20022 message transformation, AI-driven fraud defense, and an AI-powered CFO Suite. The platform connects over 1 million businesses in 92 countries and processes approximately $16 trillion in payments annually.

Product overview

Bottomline offers a comprehensive business payments platform architecture consisting of multiple integrated product lines. The core offering includes Paymode (B2B payments network with 600,000+ businesses), AP Automation solutions (including real estate-specific modules), and the CFO Suite (AI-powered connected cash management). The platform is organized into five main solution areas: Payments Automation (AP Automation, Payments Hub, Premium ACH, Virtual Cards), Business Payments Network (Paymode), Payments Connectivity (SWIFT, Message Transformation, Message Vault), Cash Management (Global Cash Management Hub, Digital Banking, Connection Hub), and Fraud & Compliance (Payments Fraud Defense, Internal Threat Management). The BEA Agentic Platform powers AI capabilities across the portfolio. UK/EMEA operations include Payouts Automation, Receivables Automation, Payments Processing, and Payments Verification. Recent additions include the CFO Suite launched in June 2026 and stablecoin-ready Digital Banking capabilities. The platform connects over 1 million businesses across 92 countries and processes approximately $16 trillion in annual payment volume.

Differentiator

Problem solved

Functional benefit

Brands

• Paymode: Market-leading B2B payments network trusted by over 600,000 member businesses for making and receiving secure digital payments.
• CFO Suite
• BEA Agentic Platform
• Payments Hub
• Global Cash Management Hub
• Payments Fraud Defense

Products and services

• Paymode B2B payments network enabling secure digital payments between payers and suppliers with authentication on both sides of transactions, used by banks, enterprises, and SMBs.
• AP Automation Accounts payable automation solution that digitizes invoice processing, payment creation, and approval workflows to eliminate manual steps and paper-based processes for businesses.
• AP Automation for Real Estate Specialized AP automation tailored for real estate companies including multifamily and commercial CRE, supporting multiple properties, general ledgers, and complex payment workflows.
• Payments Hub Centralized payment creation, controls, and submission platform that centralizes global payments and ensures compliance, security, and seamless integration with any bank for businesses.
• Premium ACH Enhanced ACH payment service within Paymode offering faster payments, improved security, enhanced remittance details, and rebate potential compared to standard ACH.
• Virtual Card Payments Virtual card payment capabilities for B2B transactions processed with enhanced security and straight-through processing following the Bora Payment Systems acquisition.
• Global Cash Management Hub Cash visibility and management platform providing consolidated view of cash positions across all accounts, entities, and banking relationships with integrated ERP and bank data connectivity for businesses.
• Digital Banking Commercial digital banking platform enabling banks and financial institutions to offer business banking services, including stablecoin and tokenized deposit capabilities, connected to 600,000+ vendors through Paymode.
• Connection Hub Ecosystem of solutions, partners, APIs, and analytics designed to drive innovation, efficiency, scalability, and new business opportunities for banks and financial institutions.
• Payments Fraud Defense Multi-layered, AI-driven fraud detection SaaS platform for banks and businesses that detects payment fraud and evolving threats in real-time to stop fraud before it happens.
• Internal Threat Management Insider risk management solution identifying unusual behavior from insiders or intruders before high-risk activities disrupt business operations for banks and businesses.
• Connectivity Services SWIFT and global financial messaging connectivity via hosted bureaus enabling secure communication with banking partners for banks and financial institutions.
• Message Transformation & Enrichment Message format conversion service converting legacy financial message formats to modern ISO 20022 XML standards for interoperability between systems used by banks and financial institutions.
• Message Vault Centralized repository for viewing analytics of financial messages with complete audit trail and compliance documentation for banks and financial institutions.
• CFO Suite AI-powered platform connecting AR, AP, Treasury, and Payments workflows into a single operational view, powered by the BEA Agentic Platform, for CFOs seeking intelligent cash visibility and control.
• Payouts Automation (UK/EMEA) Solution for UK/EMEA businesses to directly credit customers while providing better customer experience and lower operational cost.
• Receivables Automation (UK/EMEA) Receivable payment collection and management platform for UK/EMEA businesses handling single and recurring payments in one integrated platform.
• Payments Processing (UK/EMEA) UK bank payment submission and processing platform directly connected to UK clearing networks (FPS, CHAPS, Bacs, CREST) for payables and receivables management.
• Payments Verification (UK/EMEA) UK Confirmation of Payee (CoP) service enabling businesses to verify UK bank accounts and prevent fraud and misdirected payments.

Quantifiable outcome

• 60% of customers cut AP costs by half or more
• +8 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability9 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and major.

• NachacoreStrategic or Co-development Partner · 9 April 2026Bottomline became a Nacha Preferred Partner for ACH Experience, Open Banking, and Risk and Fraud Prevention. This designation enables Bottomline to work closely with Nacha (the electronic payments association governing the ACH network in the US) to provide enhanced services in ACH payment processing, open banking, and fraud prevention, resulting in new product offerings.
• KoxacoreTechnology or Integration · 16 February 2026Strategic partnership to embed banking capabilities directly within ERP systems. Combines Koxa's ERP-banking connectivity platform with Bottomline's Commercial Digital Banking API framework, enabling banks to offer integrated treasury services (payments, approvals, reconciliation, statements) within ERP workflows without custom API infrastructure.
• FISmajorStrategic or Co-development Partner · 18 December 2025Collaboration with FIS on PYMNTS Intelligence report 'Time to Cash: A New Measure of Business Resilience' examining cash flow challenges and acceleration strategies across manufacturing, healthcare, and technology sectors.
• TreasuryXpresscoreStrategic or Co-development Partner · 9 December 2025Business combination to create an expanded Payments and Cash Lifecycle Platform integrating payables, receivables, and treasury management capabilities into a unified solution. The combined entity aims to position as a market leader in corporate treasury and payments solutions.
• Frost BankmajorChannel Partner/ Reseller/ DistributorPartnership where Frost Bank uses Bottomline's digital banking platform for their online banking platform, differentiating through Bottomline's promise to 'delight the customer'. Frost Bank has 442k corporates using digital banking with $11.9T in payments volume originated annually.
• CoupamajorStrategic or Co-development PartnerIntegration partnership automates the entire payment lifecycle, optimizes treasury processes, and strengthens supplier relationships by improving payment timeliness and data visibility, driving business results at scale with integrated Coupa Pay and Treasury.

Scale indicators14 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fiserv: Fiserv is a large incumbent payments and merchant-acquiring processor offering account-to-account, card, and merchant services to banks and businesses. It overlaps with Bottomline on bank digital-banking platforms and B2B payments, but at a much larger scale across a broader portfolio.
• FIS: FIS provides core banking, capital markets, and payments processing software to financial institutions globally. It is a current Bottomline collaborator (joint research) and a broad competitor on bank digital platforms and treasury/cash management offerings.
• Jack Henry & Associates: Jack Henry provides core banking, digital banking, and payments technology to US community and regional banks. It competes with Bottomline's Digital Banking Platform and connectivity services for the same bank customer base, though with a broader core-banking portfolio.
• Stripe: Stripe is a global payments infrastructure provider with growing B2B and embedded-finance offerings. While its B2B and Connect products are more SMB-focused, Stripe competes with Bottomline on payment orchestration, API-based bank connectivity, and cross-border flows.
• Adyen: Adyen is a global payments platform serving large enterprises with unified online, in-person and platform payments. It overlaps with Bottomline on enterprise payment processing and cross-border capabilities, though it is stronger on card acceptance and unified commerce.

Direct peers

• AvidXchange: AvidXchange is a direct competitor in AP automation and B2B payments, serving mid-market and enterprise customers with invoice-to-pay workflows and a payments network. Its core offering closely mirrors Bottomline's Paymode and AP Automation suite, making it the most head-to-head peer.
• Bill.com: Bill.com offers AP/AR automation and B2B payments for SMB and mid-market customers. While skewed toward smaller businesses, it directly competes with Bottomline's Paymode and AP automation modules on payment automation and network-based vendor payments.

Emerging players

• Plaid: Plaid provides bank connectivity, account verification, and open-banking APIs used by fintechs and enterprises. Its account-verification and data-connectivity rails overlap with Bottomline's Connection Hub and Confirmation of Payee offerings, making it a relevant emerging competitor in bank connectivity.
• Modern Treasury: Modern Treasury offers a payment operations platform for moving money, reconciling accounts, and managing bank integrations. It competes with Bottomline's Payments Hub and TreasuryXpress treasury management capabilities for tech-forward enterprise treasury teams.
• Marqeta: Marqeta provides modern card issuing and payment processing APIs, with growing B2B and virtual-card capabilities. It is comparable to Bottomline's Virtual Card Payments offering (including the Bora acquisition) and competes in B2B disbursement use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key highlights7 records

Customer concentration

• Xx.com/bottomlinepay
• Facebookfacebook.com/bottomlinepayments
• LinkedInlinkedin.com/company/bottomline-payments

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries20 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A28 records

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bottomline