“Can Bottomline become the dominant embedded B2B payments infrastructure layer connecting banks and their business customers at scale?”
Bottomline was founded in 1989 as a business payments technology provider, focusing on payments automation and cash management for banks and corporates. Over three decades it expanded from domestic payments to international and cross-border payments, regulatory compliance, and commercial digital banking platforms. Taken private by Thoma Bravo in 2022, Bottomline has doubled down on its embedded B2B payments strategy, most recently launching Paymode for Digital Banking to embed its $450B-per-year supplier payments network directly into bank customer portals — positioning itself as the infrastructure layer between financial institutions and their business customers.
Bottomline processes payments through Bottomline Paymode (self-operated) and Bottomline Digital Banking Payments (self-operated). Disclosed money-movement rails: ACH.
The Embedded Finance Index 2026 maps 2 layers in Bottomline's stack: Payments / PSP (Bottomline Paymode (self-operated) and Bottomline Digital Banking Payments (self-operated)); Money movement (ACH).
Bottomline is founded in 1989 and headquartered in Portsmouth, NH, USA.
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