Bottomline Secures Spot in Chartis RiskTech100® 2027 for Payments Fraud Defense

Bottomline’s Payments Fraud Defense solution has entered the Chartis RiskTech100® 2027 ranking, signaling a shift in how the industry views integrated fraud prevention. For fintech leaders, this recognition highlights the growing necessity of combining behavioral analytics with real-time interdiction to combat increasingly sophisticated financial crime without compromising transaction speed or user experience.

What was announced

Bottomline has been recognized in the Chartis RiskTech100® 2027, an annual evaluation of the world's leading risk technology providers. The ranking assesses companies based on strategic vision, innovation, market impact, execution, and customer success. Bottomline’s inclusion is primarily driven by its Payments Fraud Defense platform, which is designed to help financial institutions identify suspicious activity earlier in the payment lifecycle.

The solution integrates several key technologies into a single platform, including behavioral analytics, interdiction precision, analytics tuning, and session replay. By using AI-driven capabilities to analyze behavioral and transaction signals, the platform aims to provide more explainable decisions and streamline investigations for fraud teams. It is built to complement existing fraud systems rather than replace them, allowing institutions to strengthen controls across multiple payment channels including its own business payments network.

This recognition comes at a time when financial institutions are facing rising operational complexity and mounting pressure to stop financial crime without disrupting legitimate payments. The platform’s ability to tune analytics and provide session replay allows for a more granular understanding of emerging fraud patterns, helping organizations maintain trust in a complex global payments environment. The Chartis ranking serves as an independent validation of these capabilities within the broader risk technology market.

"Bottomline leapfrogged many regulars into the RiskTech100® 2027 ranking. The company's solutions for combatting payments fraud and automating payments, as well as its business payments network, were key to this achievement."

Sid Dash, Chief Researcher at Chartis Research.

The companies involved

Bottomline is a global provider of business payment solutions, currently owned by the private equity firm Thoma Bravo. The company operates at the intersection of corporate treasury and financial institution operations, focusing on automating payments and managing fraud and compliance. Its portfolio includes a broad business payments network and tools for cyberfraud and risk management. Bottomline's market position is defined by its ability to bridge legacy financial systems with modern, automated payment workflows, a capability that has become increasingly critical as the speed of global transactions continues to accelerate.

Chartis Research, the organization behind the RiskTech100® ranking, is a specialist provider of research and analysis on the global market for risk technology. Chartis evaluates the risk technology landscape through various lenses, including strategic vision and market impact, to provide independent validation for technology buyers. The RiskTech100® is widely regarded as one of the most comprehensive studies of the world's major players in risk and compliance technology, covering providers that serve both the buy-side and sell-side of the financial services industry.

What FF News has reported before

FF News has followed Bottomline’s recent technological pivots closely, particularly its integration of emerging assets and AI. In late 2026, we covered how the Bottomline CFO Suite Integrates Stablecoins into Corporate Cash Management, marking a significant step toward digital asset adoption. We also reported on the launch of Bottomline Launches Global Pay Connect to Bridge Legacy Finance and Blockchain Networks. Despite these innovations, adoption hurdles remain; a Bottomline Report: 36% of Banks Lack AI in Payments Despite High Priority Status highlighted a gap between strategic intent and implementation. Additionally, we have tracked the broader risk tech landscape, noting when FIS Dominates 2026 Risk Technology Awards with AI-Embedded Actuarial Modeling and Cloud Innovation.

What this means

The inclusion of a business payments specialist like Bottomline in a top-tier risk ranking suggests the industry is moving away from siloed fraud tools toward integrated payment-and-protection ecosystems. Traditional risk vendors are under pressure as banks seek "explainable AI" that doesn't just block transactions but provides a clear audit trail for why a decision was made. The challenge for the sector remains the "implementation gap" previously identified in market data; while the technology to stop sophisticated fraud exists, the operational friction of integrating these platforms into legacy stacks persists. This announcement validates the market's demand for unified behavioral and transactional analytics in a single pane of glass.