Bottomline AI features and pricing (October 2026)

Bottomline is a US provider of payments, cash management and fraud prevention software. Its Global Cash Management Hub gives treasury teams a connected view of bank accounts and uses AI for cash forecasting, fraud alerts and a conversational agent called Bea.

Bottomline sells payments automation, payments connectivity, cash management and fraud and compliance products, including payments fraud defense, sanctions screening and payment verification. The Global Cash Management Hub lets treasury view, optimize and forecast cash positions with all accounts connected. The company is headquartered in Portsmouth, New Hampshire, with regional headquarters in Singapore and Theale near Reading, and it is owned by the private equity firm Thoma Bravo. The vendor states that it serves nearly one million financial institutions and businesses in 92 countries.

• Answers questions about cash dataBea, the built-in AI agent, shows specific data on request, for example which bank accounts have negative balances. Treasury staff find figures without building a report, and the vendor says data is not exposed to public language models.
• Predicts balances and incoming paymentsAI predicts cash balances and the dates on which open invoices will be paid. Cash managers get forecasts that reflect actual payment behavior, which reduces manual adjustments to the forecast.
• Flags unusual paymentsWith the Payments Hub module, AI-enabled alerts point to unusual payment amounts or initiation times. Treasury and compliance can stop suspicious transfers before release and add a second check to payment approval.

• Combines cash management with payment fraud defense, sanctions screening and payment verification from one vendor.
• Serves both financial institutions and businesses and has long experience in UK Direct Debit and Direct Credit processing.
• Fraud alerts on payments require the Payments Hub module in addition to cash management.

Bottomline is headquartered in Portsmouth, New Hampshire, with its EMEA headquarters in Theale near Reading. The vendor states that more than half of UK Direct Debit and Direct Credit transactions run through Bottomline.

Ask which modules your contract covers, since fraud alerts depend on the Payments Hub. Prices, hosting regions and certifications for the cash management product were not published on the pages we checked in September 2026, so request the SOC 2 report, hosting details and data processing terms. Confirm connectivity for your banks and ERP, approval rules for dual control and how Bea handles access rights by role.

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