Bottomline Enhances Paymode for Digital Banking to Help Banks Reduce Check Fraud

New capability identifies check-heavy businesses and introduces Premium ACH payment rebates.

Mar. 31, 2026 at 1:35pm

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A high-end, photorealistic studio still-life photograph featuring a stack of business checks, a pen, and a digital payment terminal arranged elegantly on a clean, monochromatic background, conceptually representing the transition from paper-based to digital payments.A photorealistic studio still life captures the shift from paper checks to secure digital payments, as banks guide businesses toward more efficient and fraud-resistant transaction methods.Portsmouth Today

Bottomline, a global leader in business payments, has introduced a new capability within its Paymode for Digital Banking solution designed to help banks identify businesses that rely heavily on paper checks and guide them toward safer and more efficient digital payment alternatives. The enhancement analyzes payment history within the digital banking platform to identify customers with heavy check usage and presents an in-app path to begin sending those payments through the Paymode network, where businesses can move to Premium ACH and earn rebates on payment spend.

Why it matters

While check usage is declining, over a quarter of US B2B payments are still made by check, exposing both banks and corporates to higher fraud risk and operational inefficiencies. By surfacing check-heavy payment activity directly in the digital banking workflow, banks can guide customers toward more secure digital alternatives and help reduce the significant fraud risk associated with paper checks.

The details

The new capability within Bottomline's Paymode for Digital Banking solution analyzes payment history to identify customers with heavy check usage and introduces an in-app path to begin sending those payments through the Paymode network. Once enrolled, businesses can move payments to Premium ACH, a secure electronic payment method available through the Paymode network, which provides validated vendor information, consolidated remittance data, and the opportunity for eligible payers to earn rebates on payment spend.

  • The new capability is available today within Bottomline's Digital Banking platform.

The players

Bottomline

A global leader in business payments and cash management, providing secure, comprehensive solutions to modernize payments for businesses and financial institutions globally.

Jessica Cheney

VP of Banking Solutions and Growth at Bottomline.

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What they’re saying

“Banks have spent years trying to reduce check usage because of the fraud risk, but it's hard to change behavior when payments happen the same way they always have. By surfacing check-heavy payment activity directly in the digital banking workflow, banks can finally bring that conversation into the moment a payment is being made and guide customers toward more secure digital alternatives.”

— Jessica Cheney, VP of Banking Solutions and Growth

The takeaway

This enhancement reflects a broader industry shift to move fraud prevention upstream in the payment process, empowering banks to help their customers modernize payment processes and reduce the significant fraud risk associated with paper checks without requiring them to adopt new systems or workflows.