If you’re evaluating B2B payment automation providers, AvidXchange and Bottomline may appear to check many of the same boxes. Both help businesses replace manual supplier payments with electronic methods, enroll suppliers, manage payment information, reduce check usage, generate rebates, and monitor payment activity. The differences become clearer when you look at how each company delivers those capabilities.
AvidXchange offers full-service payment automation designed around domestic supplier payments. Its model combines payment execution with managed supplier enablement, payment method optimization, fraud monitoring, and guaranteed rebates on eligible electronic payments.*
Bottomline offers supplier payment automation through the Paymode business payments network. Paymode supports Basic and Premium ACH, virtual card and check payments while providing supplier validation, enrollment services, rebates, and online payment visibility.
This guide compares AvidXchange and Bottomline exclusively on their B2B payment capabilities, including payment methods, supplier networks, enrollment, rebates, fraud controls, and ongoing payment operations.
What is AvidXchange?
AvidXchange is a B2B payment automation and accounts payable (AP) software provider built specifically for mid-market and enterprise companies that processes over 28M payments annually. AvidXchange helps organizations eliminate manual payment processes, reduce fraud exposure, manage multi-entity complexity, and turn everyday supplier payments into a source of guaranteed rebate revenue.
Unlike platforms built primarily around payment execution, AvidXchange is designed around payment monetization—making it especially valuable for finance teams looking to generate returns from the payments they’re already making.
In addition to payment automation, AvidXchange also offers full-service invoice-to-pay AP solutions.
Payment services offered by AvidXchange
AvidXchange’s payment platform includes the following core services:
- Payment Automation: Pay suppliers via virtual card, ACH, or check with managed controls and guaranteed rebates* on electronic payments.
- Supplier Network & Enablement: Access to a built-in network of 1.5M+ suppliers, with 250+ dedicated specialists for managing supplier inquiries, account relationships, payment execution, issue resolution, and retention.
- Fraud Risk Management: AvidXchange is a licensed money transmitter with SOC 1 Type 2 and SOC 2 Type 2 compliance and has built-in tools like role-based approvals, OFAC screening, audit trails, 24/7/365 fraud monitoring, and e-validation to help protect both organizations and supplier relationships.
- Reporting & Audit Trails: Centralized payment and approval views with custom roles, configurable approval workflows, and built-in audit trails.
Pros of AvidXchange
- Guaranteed rebate revenue on electronic payments so payments become a profit driver, not just a cost center*
- Managed end-to-end payment operations including card limits, constraints, and supplier outreach
- Purpose-built supplier support and enrollment infrastructure with 250+ dedicated specialists
- Flexible payment methods (virtual card, direct deposit, check) that meet suppliers where they are
- No bank switching required—integrates with existing bank accounts and accounting systems
- New rebate revenue streams can launch in as little as 30 days
- Always-on, systematic fraud controls applied to every transaction
AvidXchange is proud to be recognized as a mid-market leader by G2 users, as well as a provider that user are most likely to recommend.
What is Bottomline?
Bottomline provides B2B payment automation through Paymode, a business payments network used to send and receive supplier payments. Paymode allows businesses to submit payment instructions through one payment file and distribute those payments using Premium ACH, virtual card, or check. Bottomline also manages supplier enrollment and validates businesses before they participate in the network.
Bottomline says the Paymode network includes more than 600,000 verified businesses and processes approximately $500 billion in payments annually. Its payment model emphasizes electronic payment rebates, supplier authentication and consolidated visibility into payment activity.
Payment services offered by Bottomline
Bottomline’s Paymode platform includes the following payment capabilities:
- Premium ACH: Paymode’s proprietary ACH payment method sends funds electronically while generating rebates for the paying business. Bottomline says Premium ACH also includes detailed remittance information intended to make supplier reconciliation easier.
- Supplier enrollment: Bottomline manages vendor enrollment to help businesses convert suppliers from checks to Premium ACH or virtual card.
- Supplier validation: Paymode says it validates and authenticates each business in its network using more than 300 data points and screens for fraudulent or blacklisted organizations.
- Electronic payment rebates: Businesses can earn rebates through qualifying Premium ACH and virtual-card payments. Paymode allows customers to track generated rebates in its portal.
(Sources: Bottomline Paymode, Bottomline Premium ACH and Bottomline Virtual Card. Accurate as of September 2026.)
What Bottomline does well on payments
- Paymode network of more than 600,000 verified businesses
- Rebates available through qualifying Premium ACH and virtual-card payments
- One payment file for multiple payment methods
- One-time-use virtual cards issued for approved payment amounts
- Payment and rebate visibility through the Paymode portal
- Support for checks while suppliers transition to electronic payment methods
Key Differences Between AvidXchange and Bottomline
Both AvidXchange and Bottomline can automate supplier payments, manage supplier enrollment, and generate rebates. The differences are more apparent in their payment methods, supplier-service models, rebate structures, and approach to ongoing payment optimization.
1. Full-service payment operations vs. business payments network
AvidXchange positions its payment solution as a full-service payment operation. The company manages supplier outreach, payment preferences, payment execution, card limits, constraints, exceptions, and ongoing electronic payment adoption.
Bottomline’s Paymode platform operates as a network through which businesses submit payment instructions and distribute payments by Premium ACH, virtual card or check. Bottomline also provides supplier enrollment, authentication, and payment support.
The distinction is not that one provider offers service and the other provides only software. Both support supplier enrollment and payment execution. The more useful question is how much ongoing payment work each provider assumes after implementation. Businesses should compare who handles:
- Supplier outreach
- Payment-method changes
- Virtual-card processing constraints
- Failed or returned payments
- Check exceptions
- Supplier payment-status inquiries
- Ongoing electronic payment conversion
- Supplier retention
AvidXchange places these activities at the center of its managed payment model. Bottomline delivers many of them through the Paymode network and its supplier enrollment services.
2. Standard ACH and payment choice vs. Premium ACH
AvidXchange supports supplier payment choice through virtual card, enhanced direct deposit, and check. AvidPay Direct is AvidXchange’s enhanced direct deposit offering, providing suppliers with detailed remittance information, payment tracking, and direct-to-bank payments, while also supporting rebate opportunities for buyers.
Bottomline offers Basic ACH as well as Premium ACH. Premium ACH is Paymode’s proprietary electronic payment method that produces rebates for the payer and provides suppliers with enhanced remittance information and Paymode services.
That means a payment-method comparison should not group all ACH transactions together. Bottomline discloses that supplier fees are presented during Paymode enrollment. Businesses evaluating the platform should understand how those fees could affect supplier acceptance and long-term enrollment.
3. Guaranteed rebates vs. rebates tied to specific Paymode methods
AvidXchange offers guaranteed rebates on eligible electronic payments through its ePayment Incentive Program.* Its payments system connects those rebates with managed supplier outreach and payment optimization, with the goal of increasing the amount of spend that can generate revenue.
Bottomline offers rebates through qualifying Premium ACH and virtual-card payments. Premium ACH rebate earnings and virtual-card rebates are deposited monthly into a designated account.
Businesses should compare expected net rebate revenue rather than focusing only on the published program structure. A rebate percentage has limited value if only a small portion of a company’s supplier spend qualifies for the payment method.
4. Supplier network scale and measurement
AvidXchange has a network supporting payments to more than 1.5 million suppliers. Bottomline reports more than 600,000 verified businesses in Paymode. These numbers should not be treated as a direct ranking. “Suppliers paid” and “verified businesses in the network” are not the same measurement.
A supplier analysis is more useful than comparing headline totals. The provider with greater overlap across a company’s actual supplier spend may deliver better payment results regardless of the overall network statistic.
5. Supplier enablement models
AvidXchange uses 250+ supplier-dedicated specialists to manage supplier outreach, enrollment, account relationships, payment preferences, inquiries, issue resolution and retention.
Bottomline says businesses can entrust supplier enrollment to Paymode rather than requiring the internal AP team to perform the work. Its network also authenticates suppliers before allowing them to receive protected electronic payments.
Supplier enrollment is not a one-time project. The effectiveness of ongoing enablement can determine the long-term payment mix and rebate results.
6. Virtual-card payment management
Bottomline’s virtual card is a one-time-use, prefunded card issued for the exact payment amount and sent electronically to the supplier. Bottomline says rebates are paid monthly following accrual.
AvidXchange also uses virtual cards within its electronic payment mix but places particular emphasis on managing the operational work around card acceptance. That includes supplier outreach, card limits, card constraints, and payment execution.
This distinction matters because a supplier’s agreement to accept card does not guarantee that every card payment will process successfully. Merchant-category restrictions, transaction limits, processing procedures, and expired payment details can all require follow-up.
7. Payment fraud controls
AvidXchange combines platform controls with managed fraud operations. Its payment model includes supplier and payee validation, OFAC screening, Positive Pay, audit trails, and 24/7/365 fraud monitoring.
Bottomline emphasizes the verified nature of the Paymode network. It says each supplier is validated using more than 300 data points and that its fraud-detection processes are designed to identify imposters and suspicious businesses before payments are made.
8. Payment implementation and time to value
AvidXchange says businesses may be able to establish a new rebate-generating payments program in as little as 30 days. That timeline depends on eligibility, supplier data, and implementation scope.
Bottomline says Premium ACH generally takes just over six weeks to implement. The timeline for a wider Paymode payment program may vary based on payment methods, supplier enrollment, bank connectivity, and system requirements.
Key Considerations for AvidXchange and Bottomline
When evaluating supplier payment platforms, finance teams tend to ask the same practical questions. Here is how AvidXchange and Bottomline compare on the issues most likely to affect payment performance.
What payment methods does each provider support?
Both AvidXchange and Bottomline support virtual card, ACH and check.
AvidXchange uses those methods within a supplier-choice model. The payment method can be aligned with the supplier’s eligibility and preference while AvidXchange manages payment execution and ongoing optimization.
Bottomline offers virtual card, Premium ACH, Basic ACH and check through Paymode. Premium ACH and virtual card are the network’s primary rebate-generating methods.
The right provider is not necessarily the one with the longest payment-method list. Businesses should compare how each provider determines the appropriate method, manages supplier preferences and handles payments that cannot be completed as originally routed.
Do both providers manage supplier enrollment?
Yes. AvidXchange and Bottomline both provide supplier enrollment support.
AvidXchange uses dedicated supplier specialists to manage outreach, enrollment, preferences, inquiries, and ongoing conversion. Bottomline says Paymode handles supplier enrollment on behalf of the customer and authenticates participating businesses before they can receive payments.
The comparison should focus on the scale, persistence, and transparency of each enrollment program rather than whether enrollment is offered.
Can both platforms generate rebates?
Yes. Both platforms can generate rebates on qualifying electronic supplier payments.
AvidXchange offers guaranteed rebates on eligible electronic payments through its incentive program*. Bottomline offers rebates through Premium ACH and virtual-card payments. The company says both types of rebates are paid monthly into the customer’s designated bank account.
Do both platforms help reduce check usage?
Yes. Both platforms support electronic methods and supplier enrollment services that can reduce reliance on paper checks.
AvidXchange’s specialists work to identify suppliers that may accept virtual card or ePayments while continuing to manage checks for suppliers that need them. Bottomline allows customers to submit digital and check payments through one Paymode payment process and uses enrollment services to convert suppliers to Premium ACH or virtual card.
The expected check reduction will depend on supplier overlap, eligible spend, supplier preferences, fees, and the effectiveness of ongoing outreach.
Can suppliers choose how they receive payment?
AvidXchange supports supplier choice across virtual cards, enhanced direct deposit, and check. That flexibility allows suppliers that do not accept one electronic method to receive another method rather than being excluded from the payment program.
Bottomline supports multiple payment methods, but suppliers enrolling in Premium ACH or virtual card agree to the terms and applicable fees associated with that method. Bottomline says those fees are disclosed during enrollment.
Do I need to switch banks?
AvidXchange’s payments solution is designed to work with existing bank accounts and accounting systems. A business does not need to switch banks to adopt the platform. Bottomline also states that Paymode can synchronize payment data with a business’s existing ERP and bank.
Where AvidXchange Stands Out When It Comes to Payments
For mid-market and enterprise businesses focused on supplier payments, AvidXchange’s primary differentiators are the managed services surrounding payment execution.
Managed payment operations
Payment automation still creates work when the internal team must handle supplier outreach, unprocessed virtual cards, payment constraints, returned payments, and method changes.
AvidXchange manages these activities as part of its payments model. The business authorizes payments and maintains oversight, while AvidXchange handles much of the recurring work required to deliver them successfully. This can be especially valuable for finance teams that want to increase electronic payment volume without creating a new internal supplier-enablement function.
Supplier conversion at scale
AvidXchange combines a network supporting more than 1.5 million suppliers with 250+ supplier-dedicated specialists.
Those specialists manage outreach, enrollment, supplier relationships, preferences, inquiries, and ongoing payment optimization. The goal is not simply to enroll a supplier once, but to maintain the relationship and preserve electronic payment adoption over time.
Guaranteed rebate revenue
AvidXchange offers guaranteed rebates on eligible electronic payments through its ePayment Incentive Program.*
The larger differentiator is how the rebate program is supported. AvidXchange combines the financial incentive with managed supplier outreach, virtual-card constraint management, and ongoing payment optimization. That helps connect the promised rebate rate with the operational work required to move and retain supplier spend on eligible payment methods.
Supplier choice
AvidXchange does not require all suppliers to accept the same payment type. Virtual card, enhanced direct deposit, and check remain available based on supplier preference and eligibility.
That flexibility can help businesses increase electronic adoption without treating checks as a failure or creating unnecessary supplier friction. Suppliers that are not ready for virtual card may still be appropriate for enhanced direct deposit, while those requiring checks can continue to receive them through the managed payment process.
Management of payment exceptions
AvidXchange manages card limits, constraints, payment exceptions and supplier inquiries as part of the payment service. That can reduce the work that returns to AP when a virtual card is not processed, a supplier changes payment preferences, or payment delivery requires additional follow-up.
Always-on payment monitoring
AvidXchange combines payment automation with layered monitoring and controls, including payee validation, OFAC processes, Positive Pay, audit trails, and 24/7/365 fraud monitoring. For organizations making large volumes of supplier payments, this managed approach can reduce the amount of fraud-monitoring work that must be maintained internally.
Which Payment Provider Is Best for You?
The right choice depends on your supplier base, payment mix, internal capacity, and financial objectives.
AvidXchange may be the better fit if your primary needs include:
- High-volume domestic B2B supplier payments
- A full-service invoice to payment operation rather than payment software alone
- Guaranteed rebate revenue on eligible electronic payments*
- Managing supplier outreach without adding internal headcount
- Ongoing electronic payment conversion and optimization
- Management of virtual card limits and constraints
- Support for payment exceptions and supplier inquiries
- 24/7/365 fraud monitoring
Bottomline may be the better fit if your primary needs include:
- International payment capabilities
- Premium ACH as a rebate-generating payment method
- Supplier validation using Paymode’s network-verification process
- Consolidating Premium ACH, virtual card, and check instructions into one payment file
Side-by-side comparison
| Bottomline | AvidXchange | |
|---|---|---|
| Primary Focus | Supplier payments through the Paymode business payments network | Full-service domestic supplier payment automation |
| Rebate Model | Rebates on qualifying Premium ACH and virtual-card payments | Guaranteed rebates on eligible electronic payments* |
| Supplier Enrollment | Managed enrollment through Paymode, 600,000+ verified businesses | 1.5M+ supplier network, 250+ dedicated specialists |
| Payment Methods | Premium ACH, Basic ACH, virtual card, and check | Virtual card, direct deposit, check |
| Risk Management | Verified network, supplier authentication and fraud detection | 24/7/365 monitoring, SOC 1 Type 2 and SOC 2 Type 2 compliance, OFAC/KYC, Positive Pay on all checks |
| Time to Value | Premium ACH generally takes just over six weeks to launch | New revenue in as little as 30 days |
| Payment Submissions | One payment file distributed through Paymode | Approved payments delivered through a managed payment process |
(Information is based on the providers’ official websites and is accurate as of September 2026. Capabilities, terms, fees, eligibility, and implementation timelines may vary.)
AvidXchange and Bottomline are both established B2B payment providers. Both support electronic supplier payments, manage enrollment, reduce check usage and offer rebate opportunities.
Bottomline’s Paymode network may appeal to businesses that want Premium ACH, supplier verification, consolidated payment-file processing and rebate opportunities across both Premium ACH and virtual card. AvidXchange may be the stronger fit for businesses that want a more fully managed supplier payment operation. Its model combines guaranteed rebates with supplier-choice payment methods, dedicated enrollment specialists, virtual-card management, payment-exception support, and always-on fraud monitoring.*
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Start making your payments work for you. Get in touch with our team today and learn how payment automation with AvidXchange can help your business earn.
FAQs: AvidXchange vs. Bottomline
What is the main difference between AvidXchange and Bottomline for supplier payments?
AvidXchange offers full-service supplier payment automation built around managed execution, supplier enablement, payment optimization and guaranteed rebates on eligible electronic payments.* Bottomline offers supplier payments through Paymode, a verified business network supporting Premium ACH, virtual card and check.
What payment methods do AvidXchange and Bottomline support?
AvidXchange supports virtual card, direct deposit, and check. Bottomline supports Premium ACH, Basic ACH, virtual card, and check through Paymode.
Do AvidXchange and Bottomline both offer payment rebates?
Yes. AvidXchange offers guaranteed rebates on eligible electronic payments through its ePayment Incentive Program*. Bottomline offers rebates on qualifying Premium ACH and virtual-card payments.
Can suppliers choose how they are paid through AvidXchange?
Yes. AvidXchange supports supplier choice across virtual cards, enhanced direct deposit, and check. The appropriate method can be selected based on supplier preference and eligibility rather than requiring every supplier to accept the same payment type.
Do I need to switch banks to use AvidXchange?
No. AvidXchange’s payment solutions work with customers’ existing bank accounts and accounting systems.
*: Subject to enrollment in AvidXchange ePayment Incentive Program and processing an eligible number of payments to suppliers.
Notice: The information presented on this page is based on research and intended for educational purposes only. Anyone seeking to follow the information contained herein should consult their own advisors and conduct their own research prior to doing so. AvidXchange, Inc. and its affiliates disclaim any and all liability resulting from reliance on the information contained herein.
AvidXchange is a licensed money transmitter for B2B payments in the United States, licensed as a Money Transmitter by the New York State Department of Financial Services, as well as all other states that require AvidXchange to have a license.