RoxPay vs Bottomline for Verification of Payee
A clear, fair comparison to help you choose a Verification of Payee provider for the EU Instant Payments Regulation.
Two credible options
Bottomline is a broad payments and cash-management software vendor, offering a wide suite that includes payments, fraud prevention and verification capabilities for banks and enterprises.
RoxPay is an EU-focused Verification of Payee provider built specifically around the EPC scheme and the Instant Payments Regulation, covering both requesting and responding roles with a fast, developer-friendly integration.
At a glance
| RoxPay | Bottomline | |
|---|---|---|
| Primary focus | EU Verification of Payee under the IPR / EPC scheme | Broad payments & cash-management suite, incl. fraud/verification |
| Requesting + responding | Both sides, including a compliant responder for inbound requests | Established vendor — confirm current VoP scope with the vendor |
| Integration | Focused REST API, sample payloads, days to a working sandbox | Enterprise platform — confirm timelines with the vendor |
| Free sandbox | Yes, self-service test access | Confirm availability with the vendor |
| Specialisation | Dedicated to EU VoP only | Part of a broad product portfolio |
| Pricing model | Transparent, usage-based — talk to us | Typically enterprise contracts — confirm with the vendor |
Fairness note
This comparison is based on publicly available information and our own product as of 2026. Details about any third party can change — please verify current capabilities directly with the vendor before deciding.
FAQ
Yes, for Verification of Payee specifically. Bottomline offers a broad payments suite; RoxPay is dedicated to EU Verification of Payee under the Instant Payments Regulation, covering requesting and responding roles.
Yes. RoxPay supports both sending checks and answering inbound Verification of Payee requests, which the regulation makes mandatory for PSPs.
Decide whether you need a focused VoP solution or a broad platform. Then compare scheme compliance, coverage, requesting and responding support, integration effort, sandbox and pricing.
See RoxPay for yourself
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