Bottomline Technologies

Bottomline Technologies is a software provider for interbank settlement automation, the Paymode-X network, SWIFT and host-to-host gateways, and transaction protection. It was founded in 1989 and is based in Portsmouth, New Hampshire, with operations in the United Kingdom.

Products The listed products are PTX Payments and H2H, Universal Aggregator, SWIFT Service Bureau, the Paymode-X B2B network, and fraud and AML tools. The description calls it one of the world's largest operators of Bacs, Faster Payments and SWIFT H2H connectivity.

Customers and coverage Target customers are banks, PSPs, corporates, insurance and healthcare. Stated coverage includes the United States, the United Kingdom, the EU and APAC, 92 countries in total.

Commercial model Bottomline works under enterprise SaaS contracts. Scope, connected schemes and implementation timelines are agreed per client.

The mix of bank connectivity, a B2B payment network and fraud tools means the same vendor can cover payment file delivery, cross-border messaging and screening for a financial institution.