Productivity & Business · Finance, Billing & Accounting

Paymode (formerly Paymode-X)

Bottomline's US B2B payments network, formerly Paymode-X: businesses pay vendors by ACH, Premium ACH, virtual card or check.

Our take: Paymode connects companies that pay invoices with the vendors that receive them.

Best forUS AP teams and vendors

ReviewedOct 2026Paid

6.85 criteria · see breakdown

Try PaymodeNo public plans; fees depend on payment type

Paymode, formerly Paymode-X, is Bottomline's B2B payments network in the US. Businesses use it to pay their vendors by ACH, Premium ACH, virtual card or check, and vendors join to receive those payments electronically. There are no published price plans: payers can earn rebates, while vendors pay a per-transaction fee on Premium ACH and card interchange on virtual card payments.

The bottom line

Best-in-class B2B payment network for large enterprise AP teams needing fraud protection, vendor enrollment automation, and ACH/virtual card at scale.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

Community ratings

Shown for context only. Our score is independent.

4.1

300+ reviews

4.1 / 5 aggregate · across 1 source

Third-party ratings shown verbatim; aggregate weighted by review volume.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isPaymode (formerly Paymode-X): Bottomline's US network for B2B vendor payments by ACH, Premium ACH, virtual card and check.

Our takePaymode connects companies that pay invoices with the vendors that receive them.

Bottomline says the network has more than 635,000 members and processes over $570 billion a year. The money flows mostly from vendors: those accepting Premium ACH pay a per-transaction fee set at enrollment, and eligible payers earn cash-back rebates on Premium ACH and virtual card payments. Vendors on Basic ACH pay no network fee, because the payer covers membership and transaction fees instead.

Why we rate itScale and speed: Bottomline reports 635,000+ members, and approved ACH and card payments generally arrive in two to three business days with no holds.

The catchNo self-serve pricing or free trial; requires a sales conversation and is built for larger AP teams.

Smaller businesses or those with low payment volumes will find the ROI harder to justify.

Best / not good for

Best for

Enterprise AP teams processing high volumes of vendor payments
Finance departments wanting rebates from virtual card and ACH payments
Organizations seeking automated supplier enrollment and fraud prevention

Not good for

Small businesses or startups with low payment volumes
Teams needing instant self-serve signup and transparent public pricing
Consumer or B2C payment workflows

Trade-offs

Friction report

Trade-offs to know before signing up.

Time to value
Slow: requires sales engagement, contract negotiation, and ERP integration before first payment runs.
Scale breakpoint
Per-transaction fees become significant for lower-value or high-frequency micro-payments; economics favor large-invoice AP workflows.
Walled garden
Moderate: integrates with major ERPs but suppliers must enroll in the Paymode network to receive electronic payments, creating a network dependency.

Still a fit?

If none of these block you, try it on the official site.

Try Paymode

Paymode fees: who pays what

Payment type	Payer	Vendor
Premium ACH	Can earn cash-back rebates	Per-transaction fee set out at enrollment and in the Paymode terms
Virtual card	Can earn cash-back rebates	Card interchange only; no extra Paymode fee
Basic ACH	Pays network membership and transaction fees	No network fee

From Bottomline's Paymode FAQ and the Paymode Operating Rules, checked 2 October 2026. Bottomline does not publish fee amounts; they are agreed at enrollment.

A look inside

Paymode (formerly Paymode-X) product screenshot

Frequently Asked Questions

What is Paymode-X?

Paymode-X is the former name of Paymode, Bottomline's US network for business-to-business payments. Bottomline says Paymode is 'the updated name of the network formerly known as Paymode-X'.

Does Paymode charge vendors a fee?

It depends on how you're paid. Premium ACH carries a per-transaction fee set out at enrollment; virtual card payments carry only card interchange; Basic ACH has no network fee for the vendor (checked 2 October 2026).

How long do Paymode payments take?

Bottomline says that once a payer approves them, ACH and virtual card payments generally arrive within two to three business days, with no holds.

How do vendors join Paymode?

Vendors get an email invitation from their payer or a call from a Paymode vendor sales representative, with an enrollment code. Enrollment can take under an hour; authentication takes one to three business days.

Where do I log in to Paymode?

The Paymode login page is secure.paymode.com/paymode/login.jsp.