B

Bottom Line

SaaS payments and risk management platform

Overview

Bottomline Technologies provides a SaaS digital banking and payments platform for businesses and financial institutions to automate payment workflows. It automates accounts payable, financial messaging, bank engagement, and offers risk management, compliance tools, and SWIFT services for secure global transfers. The platform integrates with existing systems and delivers end-to-end payment automation in a single enterprise-grade solution, guided by a customer-success approach. The goal is to simplify, secure, and streamline business payments and related processes for smarter, faster, and more compliant operations.

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About Bottom Line

Simplify's Rating
Why Bottom Line is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise SoftwareFintechCybersecurityFinancial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Portsmouth, NH

Founded

1989

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What believers are saying

  • Paymode surpassed $570 billion annual volume on November 5, 2026, proving network expansion.
  • MassPay starts embedding Paymode in November 2026, widening Bottomline's partner distribution.
  • Bottomline completed first USDC cross-border payments on November 10, 2026.

What critics are saying

  • Bottomline's blockchain push depends on banks adopting new rails without replacing legacy systems.
  • Paymode's 40% premium spend growth faces fee pressure from ERP and payment orchestration rivals.
  • Thoma Bravo will push a sale or carve-out, disrupting product focus by 2027.

What makes Bottom Line unique

  • Bottomline connects 600 banks and 1,200 institutions across SWIFT, SEPA, CHIPS, and blockchain rails.
  • Paymode runs a 635,000-business network with embedded AP automation and vendor payment controls.
  • Global Pay Connect and USDC workflows make Bottomline a bridge between fiat and digital assets.

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Funding

Total Funding

$6.3M

Above

Industry Average

Funded Over

3 Rounds

Buyout funding comparison data is currently unavailable. We're working to provide this information soon!
Buyout Funding Comparison Coming Soon

Benefits

  • Remote Work Options

Stock Price

Company News

Foley Hoag
Nov 3rd, 2026
Foley Hoag Represents Bottomline Technologies in Acquisition of TreasuryXpress

Learn more about the latest updates in legal, with expert commentary and insights from trusted attorneys from Foley Hoag LLP. Foley Hoag is a professional community of highly qualified attorneys from all over the US.

PR Newswire
Oct 13th, 2026
MassPay embeds Bottomline's Paymode virtual card and Premium ACH payments

Bottomline has partnered with MassPay, a payment orchestration and global financial platform, to build Paymode's virtual card and Premium ACH payments into the MassPay platform. Customers can now pay US vendors through Paymode's network without adding another system. The move targets rising payment fraud against businesses. It gives finance teams more control over who gets paid and how, and offers a path from paper checks to secure electronic payments. "Security is at the center of every payment our customers make," said Ran Grushkowsky, co-founder and chief executive officer of MassPay. Paymode capabilities will be available to MassPay customers from November 2026.

GlobeNewswire
Oct 13th, 2026
MassPay partners with Bottomline to add Paymode virtual card and Premium ACH to its platform.

MassPay partners with Bottomline to add Paymode virtual card and Premium ACH to its platform. Paymode capabilities will expand secure U.S. vendor payment options for MassPay customers * MassPay is embedding Paymode's virtual card and Premium ACH capabilities directly into its payment orchestration platform. * Customers can pay vendors through a secure payment network without adding another system to manage. * Organizations gain greater control and visibility over vendor payments while reducing exposure to payment fraud. PORTSMOUTH, N.H. and LAS VEGAS, Oct. 13, 2026 (GLOBE NEWSWIRE) - Bottomline, a global leader in business payments, today announced a partnership with MassPay, a payment orchestration and global financial platform, to embed Paymode's virtual card and Premium ACH capabilities directly into the MassPay platform. This will allow MassPay customers to pay U.S. vendors through Paymode's secure network alongside the payments they already manage through MassPay. As payment fraud targeting businesses continues to rise, finance teams need vendor payment methods that protect both sides of the transaction. MassPay customers will gain access to Paymode's wide network of enrolled vendors and can use virtual card and Premium ACH as secure vendor payment options. Businesses can reduce fraud risk, keep better control over who gets paid and how, and manage it all on the platform they already use. For organizations still paying some vendors by check, it also offers a simple path to secure electronic payments. "Security is at the center of every payment our customers make," said Ran Grushkowsky, Co-Founder and CEO of MassPay. "Adding Paymode's services gives our customers secure ways to pay vendors, backed by a trusted network, without adding another system to manage." "Finance teams are under pressure to protect against fraud while doing more with fewer resources," said Gunita Bindra, Vice President, Partnerships and Business Development at Bottomline. "MassPay has built a strong platform for moving money across a wide range of payment scenarios. Together, we're making it easier for their customers to automate vendor payments securely and move away from paper checks." The partnership expands Bottomline's embedded payments ecosystem by extending access to Paymode through strategic partners that help businesses pay and get paid digitally. Paymode capabilities will be available to MassPay customers starting November 2026. About MassPay MassPay is a payment orchestration and global financial platform that helps businesses move money efficiently and securely. Through a single integration, MassPay connects platforms to local rails, stablecoins, mobile wallets and real-time payout methods in 180+ countries, with built-in compliance and recipient account verification. MassPay processes tens of billions of dollars a year, with no contract lock-in and fees only on successful transactions. About Bottomline Bottomline helps businesses transform the way they pay and get paid. A global leader in business payments and cash management, Bottomline's secure, comprehensive solutions modernize payments for businesses and financial institutions globally. With over 35 years of experience, moving more than $16 trillion in payments annually, Bottomline is committed to driving impactful results for customers by reimagining business payments and delivering solutions that add to the bottom line. Bottomline is a portfolio company of Thoma Bravo, one of the largest software private equity firms in the world, with more than $170 billion in assets under management. For more information visit www.bottomline.com. For more Information on the Paymode Network, visit Paymode Business Payments Network | Bottomline. Bottomline, Paymode, and the Bottomline logo are trademarks or registered trademarks of Bottomline Technologies, Inc. All other trademarks, brand names or logos are the property of their respective owners.

GlobeNewswire
Oct 5th, 2026
Bottomline's Payments Fraud Defense recognized in Chartis RiskTech100(R) 2027 ranking.

Bottomline's Payments Fraud Defense recognized in Chartis RiskTech100(R) 2027 ranking. Recognition highlights Bottomline's innovative approach to helping financial institutions detect evolving threats and strengthen fraud prevention. PORTSMOUTH, N.H., Oct. 05, 2026 (GLOBE NEWSWIRE) - Bottomline, a global leader in business payments, announced that its Payments Fraud Defense solution has been recognized in the Chartis RiskTech100(R) 2027 ranking. The annual evaluation assesses risk technology providers on strategic vision, market impact, innovation, customer success, and execution. "Bottomline leapfrogged many regulars into the RiskTech100(R) 2027 ranking," said Sid Dash, Chief Researcher at Chartis. "The company's solutions for combatting payments fraud and automating payments, as well as its business payments network, were key to this achievement." Financial institutions face increasingly sophisticated fraud attacks, rising operational complexity, and mounting pressure to stop financial crime without disrupting legitimate payments. Payments Fraud Defense addresses these challenges by combining intelligence, analytics, and workflow support to help organizations identify suspicious activity earlier, strengthen fraud controls across payment channels, and reduce risk exposure. "Fraud threats are evolving continuously, while risk teams are expected to react faster than ever," said Dalit Amitai, Head of Product & Technology, Cyberfraud and Risk Management, Bottomline. "Recognition in the Chartis RiskTech100 reinforces the importance of adaptive fraud prevention strategies that help organizations detect emerging threats earlier, respond with greater precision, and maintain trust in an increasingly complex payments environment." Payments Fraud Defense brings behavioral analytics, interdiction precision, analytics tuning, and session replay together in a single platform. Its AI-driven capabilities analyze behavioral and transaction signals to help identify emerging fraud patterns, enable faster, more explainable decisions, and streamline investigations. Designed to complement existing fraud systems, this unified approach helps financial institutions strengthen controls and adapt to evolving threats. The Chartis recognition independently validates Bottomline's commitment to helping financial institutions combat financial crime while supporting secure, efficient payment operations. About Bottomline Bottomline helps businesses transform the way they pay and get paid. A global leader in business payments and cash management, Bottomline's secure, comprehensive solutions modernize payments for businesses and financial institutions globally. With more than 35 years of experience and more than $16 trillion in payments processed annually, Bottomline is committed to helping customers drive measurable business outcomes by reimagining business payments and delivering solutions that add to the bottom line. Bottomline is a portfolio company of Thoma Bravo, one of the largest software private equity firms in the world. For more information, visit Bottomline.

GlobeNewswire
Sep 30th, 2026
Bottomline wins Best SaaS Provider of the Year for Commercial Banking from The Digital Banker.

Bottomline wins Best SaaS Provider of the Year for Commercial Banking from The Digital Banker. Award recognizes Bottomline's unified platform for modernizing business banking, payments and fraud prevention. PORTSMOUTH, N.H., Sept. 30, 2026 (GLOBE NEWSWIRE) - Bottomline, a global leader in business payments, has been named Best SaaS Provider of the Year (Software) - Commercial Banking in The Digital Banker's 2026 Global BankTech Awards. The recognition honors Bottomline's Commercial Digital Banking Platform, a SaaS ecosystem designed to help financial institutions modernize business banking, payments, cash management, and fraud prevention. Commercial banks are under pressure to modernize outdated technology while meeting business customers' expectations for secure, intuitive and real-time digital experiences. Solutions adapted from retail banking or pieced together from multiple systems can make it difficult to manage user access, approval workflows, high-value payments and reporting across the organization. Bottomline addresses this challenge with a unified commercial banking platform that integrates payments, cash management, fraud prevention and digital banking. From a single platform, financial institutions can offer ACH, wire and real-time payments; support digital assets and tokenization; access account reporting; and customize workflows. Its interoperable architecture connects with core banking, payment and third-party systems, helping banks modernize without creating another technology silo. "This recognition reflects our focus on helping financial institutions move beyond a basic digital channel to create a more connected commercial banking experience," said Jessica Cheney, VP, Banking Solutions and Growth, Bottomline. "By bringing together modern payments, cash management, fraud prevention, intelligence and broad network access, we help banks modernize with confidence, operate more efficiently, strengthen customer relationships and support businesses of all sizes." The award recognizes Bottomline's innovative approach to commercial banking modernization, combining digital banking, payments, intelligence, connectivity, and fraud defense in a managed SaaS environment that can support the distinct needs of businesses ranging from small and mid-size to large commercial enterprises. It reinforces Bottomline's role as a strategic partner to financial institutions seeking to improve efficiency, strengthen customer relationships and create new sources of non-interest revenue. About the Global BankTech Awards The Global BankTech Awards, organized by The Digital Banker, honor and celebrate the world's preeminent and ground-breaking technology companies and their contribution to technology-based enhancements, initiatives and innovations within the financial services industry that are streamlining operational processes, automating workflow and re-engineering business models, while materially driving productivity gains. To learn more about the awards, visit Global BankTech Awards - The Digital Banker. About Bottomline Bottomline helps businesses transform the way they pay and get paid. A global leader in business payments and cash management, Bottomline's secure, comprehensive solutions modernize payments for businesses and financial institutions globally. With over 35 years of experience, moving more than $16 trillion in payments annually, Bottomline is committed to driving impactful results for customers by reimagining business payments and delivering solutions that add to the bottom line. Bottomline is a portfolio company of Thoma Bravo, one of the largest software private equity firms in the world, with more than $170 billion in assets under management. For more information, visit www.bottomline.com.

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