Bill.com announced Thursday that it is launching its own brand of multi-factor authentication as part of its Banking Platform.

The extra authentication is only initiated when the Palo Alto, Calif. company notices a significant change in a payer's behavior. If there is something different about how a person is paying, Bill.com asks for a second layer of authentication.

"There is nothing more important for both banks and small businesses than powerful security and tight, clearly defined financial controls," said Bill.com's chief executive and founder Rene Lacerte, in a press release.

The company's banking platform is designed to directly link to a bank's online banking platform for small and medium sized business systems. It already includes single sign-on and automates manual processes to make it simpler for banks to send and receive payments through separate channels.