Bottomline is a business payments platform that provides financial institutions and businesses with tools for modernizing and securing payment operations. Founded in 1989, it serves over 800,000 financial institutions and businesses across 92 countries. The platform is organized around five solution areas: **Payments Automation:** Includes AP Automation for automating invoice-to-payment processes, AP Automation for Real Estate, and a Payments Hub for centralizing payment creation, controls, and submissions. **Business Payments Network (Paymode):** A B2B payments network with over 600,000 member businesses, enabling businesses to pay vendors and receive payments digitally. It focuses on fraud prevention, working capital optimization, and cost reduction. **Payments Connectivity:** Provides connectivity to SWIFT and other domestic and global financial messaging networks. Includes message transformation and enrichment to convert legacy financial message formats to modern standards, and a Message Vault for analytics and central repository of financial messages. **Cash Management:** Includes a Global Cash Management Hub for viewing, optimizing, and forecasting cash positions across connected accounts, Digital Banking solutions for banks, and a Connection Hub offering APIs and analytics. **Fraud & Compliance:** Includes Payments Fraud Defense (real-time SaaS-based payment fraud detection), Internal Threat Management for identifying unusual insider or intruder behavior, and a partner solution for alert/case management, suspicious activity reporting (SARs), and AML compliance.