Centime with AI
AR Automation that Collects Faster—and Smarter
Embedded in your ERP. Built for smarter, faster workflows.
Automate every part of accounts receivable—invoice delivery, reminders, collections workflows, customer payments, monthly statements, and reconciliation—right inside your ERP.
With finance automation built-in, Centime doesn’t just help you collect faster—it helps you operate smarter.
Fully
embedded in:
embedded in:
Why Finance Teams Choose Centime AR
Workflows That
Work for You
Automate invoice delivery, follow-ups, and escalations with customizable workflows that keep your collections moving.
Make It Easy for
Customers to Pay
Offer a branded customer payment portal with ACH, card, and check options—no user logins or portal account setup required.
Syncs Where
You Work
Embedded in NetSuite and Sage Intacct for on-demand posting, reconciliation, and visibility.
Reduce DSO. Increase Satisfaction.
Faster payments, fewer back-and-forths, and a smoother experience for your customers and your team.
Go Live in
7–21 Days
With award-winning onboarding and live support—no months-long setup required.
Automated Collections Workflows
Automation that adapts to your customers’ payment habits
Automate reminders, follow-ups, and escalations based on how your customers pay. Create workflows at the invoice or customer level—tailored to due dates, total balances, and even autopay schedules.
Every trigger, threshold, and escalation is fully customizable, with built-in logic for payment methods, disputes, and aging buckets. Collections run smoothly, no chasing required.
Every trigger, threshold, and escalation is fully customizable, with built-in logic for payment methods, disputes, and aging buckets. Collections run smoothly, no chasing required.
Automated Invoice Delivery
Deliver the right invoice, to the right place, every time
Send invoices automatically the moment they’re created—or anytime they’re updated. Whether it’s a new charge, a credit applied, or an overdue status change, Centime makes sure your customers always have the most accurate version. Deliver via email, customer portal, or both—no logging in, no uploading files.
Collection Campaigns
Turn follow-ups into branded, customer-friendly experiences
Your automated workflows fuel personalized email sequences—polite nudges, final escalation notices, and everything in between. With customizable tone, timing, and templates, you’ll engage customers in a way that reflects your brand, builds trust, and gets you paid faster.
Customer Payment Portal
Fewer emails. Faster payments. Happier customers.
Provide a secure, branded portal for customers to view and pay invoices—no extra logins needed. Accept ACH, credit card, or check, and automatically apply early payment discounts when set up.
Email reminders handle follow-ups, so your team doesn’t have to. Dispute management is coming soon, giving customers a direct way to raise and resolve issues for better transparency and faster resolution.
Email reminders handle follow-ups, so your team doesn’t have to. Dispute management is coming soon, giving customers a direct way to raise and resolve issues for better transparency and faster resolution.
Cash Application
No more reconciliation headaches
Centime streamlines reconciliation by matching payments to invoices with configurable logic. Centime Merchant Services automatically links payments to customer records, while other payment types can be matched by uploading remittance files—no manual entry or external spreadsheets needed. Full automation is coming soon, so you’ll spend less time matching and more time managing cash flow.
Receivables Dashboard
Track risk. Prioritize follow-ups. Forecast cash.
Get real-time visibility into who owes you, what’s overdue, and where to follow up—based on invoice aging, dispute status, and customer balance.
Track which emails were sent, tasks completed, and what’s next—so your team stays proactive, not reactive.
Track which emails were sent, tasks completed, and what’s next—so your team stays proactive, not reactive.
Coming Soon
Automated Dispute Resolution
Fewer emails. Faster resolution. One shared source of truth.
When customers raise a dispute, Centime helps you manage it with clarity and speed. Add notes, assign tasks automatically, and keep internal teams and customers aligned within the portal. Everyone sees the latest updates, and nothing gets lost in a reply-all thread.
Recurring Invoicing & Auto-Pay
Subscription-friendly, customer-first
Enable automated recurring billing, set up customer-specific auto-pay plans, and reduce payment delays for long-term contracts.
Surcharge Management
Recover card fees—without risk
Apply, waive, or cap surcharges based on customer or state – while staying compliant.
Why Centime Beats Other AR Tools
Capability
Other AR Tools
Communication Automation
Full AR Automation
Fully automated invoicing, collections, and cash application.
Manual follow-ups and reminders.
AI-Driven Collections
Smart workflows for escalations, follow-ups, and past-due prioritization.
Basic reminder emails only.
Recurring Invoicing & Auto-Pay
Supports full subscription billing and auto-pay flows.
Limited automation.
Drive Online Payments
Customer Communication
Customizable emails for reminders, confirmations, and payment receipts.
Generic templates, little customization.
Branded Payment Portal
Embedded, customizable portal with ACH, card, and check support.
External portals with limited options.
Collaboration and Dispute Management
Real-Time Receivables Dashboard
Live AR dashboard with dynamic prioritization and cash flow impact.
Static aging reports. Manual tracking.
Management & Visibility
Cash Application
Auto-match CentimePay payments to open invoices in real time.
Manual or semi-automated reconciliation.
Early Payment Discounts
Auto-applies early pay discounts when available – ensure incentives aren’t missed.
Requires manual negotiation.
Automated Dispute Resolution
Dispute workflows can be customized to streamline resolution. Customer portal-based visibility coming soon.
Manual tracking and updates.
Unified Finance Automation
Part of a complete AR + AP + forecasting + treasury platform.
AR-only. No forecasting or banking.
AR Inside Your ERP. Automation Across Finance.
Centime doesn’t stop at AR automation.
We unify receivables, payables, cash forecasting, and treasury in one ERP-embedded platform—built for mid-market teams running NetSuite, Sage Intacct, or QuickBooks. That means faster payments, better visibility, and fewer tools to manage.
What Centime Users Say
“Centime is a must-have for collections and has helped to significantly reduce time spent on this tedious task. The Receivables module provides highly customizable, automated reminder campaigns, convenient payment links where customers can pay by credit card/ACH, and the ability to record collections notes and promised payment dates to help with cash management.”
Industry
IT & Services
Employees
51-1000
What Centime Users Say
“Centime has helped reduce the workload for our AR process. What would normally take anywhere between 4-6 hours a week, we are now able to accomplish under an hour. Grateful and excited for the additional help!”
Industry
IT & Services
Employees
51-1000
What Centime Users Say
“We saw a significant reduction in the number of customers that need some sort of follow-up, converted 50% to electronic payments, and saw a substantial decrease in overdue invoices.”
Industry
Technology & Software
Employees
51-200
Centime AI
Ready to Reduce DSO and Delight Your Customers?
Frequently Asked Questions
What is AR automation software?
Software that automates the accounts receivable process—from invoice delivery to collections, payments, and reconciliation—reducing manual work and improving cash flow.
How does Centime automate collections?
Centime uses AI-powered workflows to send reminders, escalate follow-ups, and segment outreach based on risk or customer behavior.
Does Centime integrate with our ERP?
Yes. Centime embeds natively into NetSuite, Sage Intacct, and QuickBooks for on-de data sync, invoice matching, and cash reconciliation.
Can customers pay directly through Centime?
Yes. Your customers can view and pay invoices via a branded portal using ACH, card, or check—no account creation required.
How long does it take to go live?
Most customers are live within 7 to 21 days, fully supported by our implementation team and ERP specialists.
Try it free
See Centime in action
Our innovative AR, AP and business banking solutions are powerful alone, and even better together.
Schedule a tailored demo with a Centime expert.
Schedule a tailored demo with a Centime expert.
Solutions
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Guides
**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.
††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.