Bottomline Pricing 2026: Plans, Pros & Cons

Overview

Bottomline Technologies is a US payments software company headquartered in Portsmouth, New Hampshire^[3]. It sells a Verification of Payee service to payment service providers in the euro area. VoP confirms whether the name on a bank account matches the account details provided by the payer before a payment is processed; under European Payments Council rules, providers had to implement it by 9 October 2025 in the euro area, with July 2027 as the deadline for non-euro countries^[3].

Bottomline’s brochure states that its service adheres to the EPC rulebook, security and API frameworks, returns outcomes within seconds, uses a matching algorithm designed to reduce false negatives, runs around the clock for high volumes and provides structured reporting for audit, billing and support^[3]. Checks apply to every SEPA Credit Transfer and SEPA Instant Credit Transfer and may use the payee’s IBAN with a name or another identifier such as a VAT number or LEI^[3].

The service is aimed at banks and payment institutions rather than corporate payers, and the brochure does not cover bulk corporate checks, account-status checks or pricing.