Bottomline's PTX connects fragmented payment processes and technologies to centralize and modernize business payments. PTX helps businesses of all sizes in the UK, EMEA and APAC trade seamlessly around the world. Make payments using Bacs, Faster Payments, and cheques. Collect payments via Direct Debit, Card, and Account Transfer, our Open Banking solution. Manage invoices and remittances, automatically process customer refunds, and protect your business from fraud and error. Product Features: Receivables Automation – Receive single and recurring payments effortlessly in one platform, giving you more time to focus on your business and reduce manual tasks. Payouts Automation – Directly credit your customers—simply and securely—while improving the customer experience and lowering operational costs. Payments Processing – Securely submit, manage and process your bank payments with a scalable, resilient, and efficient platform directly connected to the UK clearing networks. Payments Verification – Reduce the complexity and risk associated with fraud and error by enabling your business to effortlessly perform validation and verification checks for payments and receivables.