Koxa, Bottomline Announce ERP Embedded Banking Partnership

Why It Matters

The alliance accelerates banks’ digital transformation, deepening client relationships by delivering treasury services where users already work. It also lowers implementation costs and risk, making ERP‑banking the new standard for corporate finance.

Key Takeaways

• Koxa and Bottomline combine ERP platform with digital banking APIs.
• Banks can launch embedded banking without custom API development.
• ERP integration streamlines payments, approvals, reconciliation for corporates.
• Built‑in security enforces entitlements, limits fraud risk.
• Supports ACH, wires, B2B and B2C transactions.

Pulse Analysis

The push toward embedded banking reflects a broader shift in enterprise finance, where companies expect seamless, real‑time access to financial services within the tools they use daily. Traditional banking portals and file‑based processes create friction, prompting banks to seek API‑driven solutions that can be woven into existing ERP workflows. By integrating directly into ERP systems, banks can meet the rising demand for instant payments, automated approvals, and consolidated reporting without the overhead of building and maintaining separate connectivity layers.

Koxa’s ERP‑banking platform, combined with Bottomline’s Commercial Digital Banking API framework, offers a turnkey approach for banks to deliver these capabilities. The partnership eliminates the need for bespoke API development, allowing financial institutions to launch secure, compliant services—such as ACH, wire transfers, and B2B/B2C transactions—within weeks rather than months. For corporate treasury teams, the integration consolidates payment initiation, reconciliation, and statement retrieval into a single interface, reducing manual effort, cutting error rates, and accelerating cash‑flow cycles.

Strategically, the collaboration positions both firms at the forefront of the fintech convergence between enterprise resource planning and digital banking. As more enterprises adopt cloud‑based ERP solutions, the market for embedded banking is set to expand rapidly, offering banks a differentiated channel to deepen relationships and increase wallet share. The model also showcases how API‑first architectures can drive scalability and resilience, paving the way for future innovations such as AI‑enhanced cash‑management insights and real‑time fraud detection within the ERP environment.

Koxa, Bottomline Announce ERP Embedded Banking Partnership

February 15, 2026 @ 10:07 pm · By Tony Zerucha

Bottomline, a global provider of business payments and cash management, and Koxa, an ERP‑banking company, this week announced a partnership to deliver embedded banking capabilities directly inside ERP systems. The collaboration enables Bottomline’s bank clients to offer a fully integrated ERP banking experience to their corporate and treasury customers but without the cost, risk, or complexity of building and maintaining custom API infrastructure.

As businesses demand more connected financial experiences, ERP‑banking is quickly becoming a must‑have for banks serving treasury customers. The partnership helps banks strengthen relationships and improve efficiency by embedding services into ERP workflows. Using Koxa’s platform and Bottomline’s Commercial Digital Banking API framework, banks can launch these capabilities quickly and securely through existing connectivity.

For banks, this means customers can access banking services right from their ERP, the channel they already use every day. That flexibility makes it easier for businesses to stay connected and helps banks build stronger, longer‑lasting relationships with their clients.

For corporate finance and treasury teams, the integration brings payments, approvals, reconciliation, and access to statements – all within their ERP. This removes manual steps, reduces reliance on separate portals, and speeds up processes.

Security and compliance are built in. The solution enforces user entitlements and payment limits within ERP workflows to maintain control and reduce fraud risk. Its API‑driven design replaces older file‑based processes, making systems easier to scale and more resilient, while supporting ACH, wire transfers, and B2B and B2C transactions.

“ERP‑banking is the new standard for treasury connectivity,” said Camellia George, co‑founder and CTO at Koxa. “Through this partnership, Bottomline’s bank clients can more easily deliver the ERP‑banking experience their customers increasingly expect.”

“Banks are under pressure to deliver more than just transactions,” said Rodney Nilson, vice president of product management for digital banking at Bottomline. “They need speed, security, and simplicity where customers work every day. Embedding banking in ERP does exactly that. It’s a smart way for banks to strengthen relationships and stay ahead.”