The Bottomline Insider’s Guide
Everything we know about Bottomline in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Bottomline
The Insider’s Guide
Business payments, payouts and cash management software
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Bottomline’s own pages.
Made by Bottomline · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Bottomline’s own pages, its app-store listings and our grades. Every fact in it is on Bottomline’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.6
GPA, above 3 of the 76 other spend and bill pay tools we grade
Bottomline sells business payments software to banks and companies, including a payments hub that sends payments from one place, payouts automation for refunds and claims, receivables automation and cash management. Its UK site publishes no prices and directs buyers to a demo.
To get you started, here are 7 things to know about Bottomline, taken from its own pages and our grades.
No price is published and several products are for financial institutions rather than ordinary businesses.
- 1
Best for enterprise payments for large companies and banks
Bottomline sells payments hubs, payout automation and fraud tools aimed at large companies and banks.
- 2
It runs on Web
Web.
- 3
Payments Hub
A cloud hub for issuing domestic and international payments, bank-to-bank and intracompany transfers to any bank and currency, with rules set per payment type.
- 4
Payouts Automation
Captures a payee's bank details through a secure self-service page and sends a direct credit, aimed at refunds, claims and compensation payments.
- 5
Confirmation of Payee
Payouts Automation includes the UK name-checking service, so a payment is checked against the recipient's name before it is sent.
- 6
A 1.6 GPA, above 3 of 76
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 7
Keep it
To replace Bottomline you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
Bottomline at a glance
- Pricing
- Paid
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web
- Made by
- Bottomline
- Category
- Spend & Bill Pay
- Our grade
- 1.6 GPA, weak
The report card
Best for enterprise payments for large companies and banks
Bottomline sells payments hubs, payout automation and fraud tools aimed at large companies and banks. No price is published and several products are for financial institutions rather than ordinary businesses.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | No price is published; the UK site routes buyers to a demo or to sales. |
| Free plan and trial | F | Nothing free and no trial on the listing. |
| Features | C | Payments Hub, payouts, Confirmation of Payee, tokenisation, receivables and fraud tools. It is a payments suite, not a card or expense-report tool. |
| Ease of use | C | No store rating on record. It is enterprise software that needs integration work. |
| Platforms and integrations | C | Web only on the listing, with no integrations named. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Bottomline is for
- Fits if you run large payment volumes and want one payments hub
- Works for finance teams that need payee checks and fraud controls
Who it is not for
- Skip it if you need cards or employee expense reports, as it covers neither
- Not for you if you are a small business, since several products target banks and financial institutions
- Pricey if you want to see a figure first, as the UK site routes buyers to a demo
- Watch out: the UK site is one of several regional sites; the North America site was not read
Good to know
Good for
- Treasury teams that pay from many bank accounts and currencies
- Insurers and retailers that send refunds or claims by bank transfer
- Large organisations that already have a banking-connectivity project
Worth knowing
- No prices are published; the UK site routes buyers to a demo or to contact sales.
- It is an enterprise payments suite, not a card-based or employee expense-report tool.
- The UK site is one of several regional sites; North America has its own site that was not read.
- Several products are aimed at banks and financial institutions rather than at businesses.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Bottomline's current pricing could not be confirmed from its own site.
No price is published; the UK site routes buyers to a demo or to sales.
We could not confirm Bottomline’s current prices from its own site, so this guide lists no plans. bottomline.com has them.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
Business payments, payouts and cash management software. Here is what it does, as its own site describes it, and what it covers: reports, bill pay, partner payouts.
Payments Hub, payouts, Confirmation of Payee, tokenisation, receivables and fraud tools.
- Payments Hub
- A cloud hub for issuing domestic and international payments, bank-to-bank and intracompany transfers to any bank and currency, with rules set per payment type.
- Payouts Automation
- Captures a payee's bank details through a secure self-service page and sends a direct credit, aimed at refunds, claims and compensation payments.
- Confirmation of Payee
- Payouts Automation includes the UK name-checking service, so a payment is checked against the recipient's name before it is sent.
- Account tokenisation
- Payers' and beneficiaries' bank details are stored in Bottomline's platform and linked to a token, so the customer does not keep them.
- Receivables and payments processing
- Receivables automation covers single and recurring collections, and payments processing submits UK bank payments for payables and receivables.
- Fraud and cash tools
- The range includes payments fraud defense, sanctions screening, and a Global Cash Management Hub for viewing and forecasting cash positions.
Where it runs
- Web
What it works with
Its own pages name no integrations.
Bottomline is made by Bottomline.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
3/76
Other spend and bill pay tools it is graded above
Bottomline's GPA of 1.6 is higher than 3 of the 76 other spend and bill pay tools we grade, and level with 13.
It stands best on value for money (C, above 5 of 76) and worst on free plan and trial (F, above 0).
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Bottomline’s own letter is outlined.
- CValue for moneyAbove 5 of 76
- FFree plan and trialAbove 0 of 76
- CFeaturesAbove 4 of 76
- CEase of useAbove 0 of 76
- CPlatforms and integrationsAbove 0 of 76
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Bottomline you would be making money moved between bank accounts, which takes a licensed payments partner. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 60 of the 76 other spend and bill pay tools grade higher.
What you could make
- Reports: an app builder makes this well.
What you could not
- Money moved between bank accounts, which takes a licensed payments partner.
- Payouts to partners in many countries, with their tax forms.
What this rests on. Bottomline’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Tipalti, Corpay, Billtrust, Tradeshift and Esker
The 5 tools Bottomline is most often weighed against, with where each one differs from it.
- 1.8GPA
Tipalti
From $99/mo
Accounts payable automation and global payouts.
- Bottomline also covers reports.
- Tipalti also covers workflow automation and expense tracking.
- 1.6GPA
Corpay
Paid
Corporate cards, AP automation and cross-border payments.
- Bottomline also covers reports and partner payouts.
- Corpay also covers workflow automation, expense tracking and company cards.
- 1.6GPA
Billtrust
Paid
Accounts receivable platform for B2B invoicing and collections.
- Bottomline also covers bill pay and partner payouts.
- Billtrust also covers workflow automation and invoicing.
- 1.6GPA
Tradeshift
Paid
E-invoicing compliance and accounts payable automation.
- Bottomline also covers reports and partner payouts.
- Tradeshift also covers workflow automation and invoicing.
- 1.6GPA
Esker
Paid
Source-to-pay and order-to-cash automation for finance teams.
- Bottomline also covers partner payouts.
- Esker also covers workflow automation and invoicing.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
9
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Bottomline free?
No. Bottomline is a paid product.
What platforms does Bottomline work on?
Bottomline is available on Web.
Does Bottomline have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Bottomline is listed for Web.
Does Bottomline have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Bottomline is listed for Web.
Is Bottomline open source?
Bottomline is not described as open source on its own site, as read on Nov 13, 2026.
Who makes Bottomline?
Bottomline is made by a company of the same name.
What are the alternatives to Bottomline?
The closest alternatives to Bottomline in our directory are Tipalti, Corpay, Billtrust, Tradeshift and Esker.
How does Bottomline compare with other spend and bill pay tools?
Bottomline's GPA of 1.6 is higher than 3 of the 76 other spend and bill pay tools we grade, and level with 13.
Could I make my own version of Bottomline?
To replace Bottomline you would be making money moved between bank accounts, which takes a licensed payments partner.
Where this guide comes from
The prices, plans, platforms and features were read from Bottomline’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. Graded from this listing, whose facts were read from Bottomline's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Bottomline. Prices change, so check bottomline.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Bottomline, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/bottomline
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Bottomline: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/bottomline
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/bottomline/guide
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See our other guides
The best-graded spend and bill pay tools after Bottomline, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 77 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Bottomline’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Bottomline is a trademark of its owner, and this guide is not made, paid for or approved by Bottomline. Prices and plans change: check bottomline.com before you buy.