Centime pays YOU to automate your accounts payable process!*  Learn More

Top Rated Cash Management Suite

Everything your finance team needs to manage cash more effectively

Accelerate payments, streamline invoices, maximize working capital, and achieve pinpoint forecasting accuracy—all seamlessly integrated into one platform.

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Accounts Payable
Accounts Receivable
Business Banking*
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Fully embedded in:

Powerful cash management solutions alone, even better together

Centime AP, AR, and banking work seamlessly together, offering robust functionality independently and unparalleled efficiency when utilized collectively.

Accounts Payable

  • AI Capture & Code
  • PO Matching
  • Approval Workflows
  • Payment Planning
  • Supplier Portal
  • Vendor Payments
  • Virtual Cards
  • Transaction Monitoring
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Accounts Receivable

  • Invoice Delivery
  • AI Collection Workflows
  • Collection Campaigns
  • Dispute Resolution
  • Customer Portal
  • Electronic Payments
  • Cash Application
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Business Banking*

  • High Yield Checking
  • Insured Cash Sweep**
  • Enhanced FDIC Coverage
  • Account Aggregation
  • Cross-Bank Transfer
  • Fraud Protection
  • Working Capital Credit
*Centime is a financial technology company, not a bank.

*All banking products and solutions are provided by FNBO. Member FDIC.
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G2 Reviews

4.9 Star Rating

Capterra Reviews

4.5 Star Rating

Winner

Fintech of the Year

Best Support

Top Rated NPS

Best Place to

Work in Fintech 2023

AI-powered accounts payable automation

Simplify and automate the entire invoice capture to payment process. Centime’s AI-powered AP automation doesn’t just streamline your workflow—it transforms your AP function into a profit center. Earn 3.0% APY†† interest on vendor payments with Centime Banking, effectively covering your automation costs and boosting your cash flow.
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“We switched from Bill.com and saved over 20 hours per week. We were impressed with how Centime's tailored approach overcame the unique challenges in our accounts payable setup.”

AI-powered accounts receivable automation

Streamline your accounts receivable process with highly configurable collection workflows and automation. With Centime AR, you can put receivables on autopilot, get paid faster, and more predictably.
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“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.”

Business banking*
re-imagined

Mitigate risk and maximize yield with modern business banking solutions. With Centime Checking you can earn interest on idle cash, diversify deposits over $250,000**, and seamlessly transfer funds between banks with a checking account powered by FNBO.
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"We've saved about 10 hours of work each week -- Centime has made a big difference in our operations.”

Why all-in-one?

Centime's unified cash management suite empowers the entire finance team, providing end-to-end control and visibility into the set of interconnected processes that impact working capital. Over 100 innovative organizations have ditched disjointed processes and systems, opting instead for a modern, holistic approach to finance operations.

Access the entire suite directly within NetSuite, Sage Intacct, and QuickBooks
Log in to one system to manage receivables, payables, and working capital
Implement and train your team on one platform
Manage one vendor relationship and contract
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Why Centime
What Centime Users Say
“We saved 40+ hours a month on AP processing. Beyond that, Centime’s Customer Support is always super responsive. Anytime I send something, they’ll email me back within an hour.”
- Janice Helzer, Synergy HomeCare
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Industry
Home Care Services
Employees
10,000+
saved weekly
10 Hours
invoices processed
100+ Monthly
What Centime Users Say
“We went from a manual AR/AP process to fully automated through Centime in very little time. We've cut the time of outstanding invoices down dramatically. The support team has also been very attentive to our needs.”
- Lowry C, R3 LLC
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Industry
IT & Services
Employees
51-200
What Centime Users Say
“I've felt exceptionally supported throughout this journey. Unlike other SaaS implementations where follow-up meetings felt unnecessary, these sessions with our Customer Success Manager are invaluable.”
- Nickie Hanson, Erdman Holdings, Inc.
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Industry
Professional Services
Employees
51-200
ON investment
3x Return
reduction in processing
70% Costs
What Centime Users Say
“Prior to using Centime we were 100% manual on entering and approving all invoices. Centime is a fantastic AP automation tool that streamlined our invoice processing and payment workflows.”
- Verified G2, Review User
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Industry
Entertainment
Employees
51-1000
“I've felt exceptionally supported throughout this journey. Unlike other SaaS implementations where follow-up meetings felt unnecessary, these sessions with our Customer Success Manager are invaluable. They keep us updated on new features and guides us on adoption strategies, which saves us considerable time and effort."
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3x
Return on
investment
70%
Reduction in
processing costs
“We were looking for a solution to help automate our invoice tracking. We needed more visibility to make sure that everybody knew what was hitting their budgets."
Read more
10
Hours saved
weekly
100+
Invoices processed
monthly

Articles and Resources

Browse articles
Blog
11 Essential Tips to Recruit Top Talent to Your Finance Team
Did you know 84% of CFOs in the United States and the United Kingdom are dealing with severe talent shortages and 47% are dealing...
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Blog
How to Calculate AR
Automation ROI
In today's fast-paced business environment, finance professionals are constantly seeking innovative solutions to enhance operational...
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Webinar
Love at First Sight: Sage Intacct & Centime for All-in-One Cash
Discover how Centime's integration with Sage Intacct revolutionizes cash management for businesses. Streamline operations, reduce....
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Webinar
The Controller’s Guide to Accounts Receivable Automation
Revolutionize your AR strategy in 2024. Learn from Centime's experts about AR automation, its ROI potential, and explore real-world success...
Read More
Blog
How to Automate Complex AP Approval Workflows with Custom Rules and Segments
Automate even the most complex AP approval workflows with Centime. Learn how to build custom, condition-based routing policies using invoice fields, segments, and multi-level logic—no POs required.
Read More
Blog
Finance Automation: The Definitive Guide for 2025
Discover how Fyle and Centime work together to automate expense tracking, AP, and cash flow forecasting in 2025. A must-read guide for modern finance teams.
Read More
Webinar
2025 Predictions for the Office of the CFO
Discover key trends and strategies for 2025 with finance leaders BC Krishna and Yash Madhusudan in this must-attend webinar on the future of AI, AP automation, and expense management.
Read More
Webinar
What's New in Centime for 2024 and Beyond
Check out all of the new features you might have missed in Centime this year!
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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.
Take a TourBook a Demo
Solutions
Accounts Payable Automation
Accounts Receivable Automation
Business Banking Solutions
Expense Management
Features
PO Matching Automation
Invoice Approval Automation
OCR for Accounts Payable
Rapid Invoice Coding
AP Supplier Portal
AR Collections Campaigns
Invoice Delivery Automation
AI Collections Workflows
Customer Payment Portal
Surcharge Management
Cash Flow Forecasting Software
Working Capital Credit Solutions
Cash Reporting and KPIs
Treasury Management Solutions
Pricing
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ROI Calculator
Integrations
QuickBooks AP
QuickBooks AR
NetSuite AP
NetSuite AR
Sage Intacct AP
Sage Intacct AR
Resources
Blog
Webinars
eBooks
Case Studies
Learning Center
AR ROI Calculator
AR Business Case Builder
Accounts Payable FAQs
Accounts Receivable FAQs
Software Solutions
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Top AR Software
Top Treasury Management
Top AP Software for NetSuite
Top AR Software for NetSuite
Top AP Software for Sage Intacct
Top AR Software for Sage IntacctTop AP Software for QuickBooksTop AR Software for QuickBooksTop AP Software for ManufacturingTop AR Software for ManufacturingTop AP Software for Food & BeverageTop AR Software for Food & BeverageTop Business Checking Accounts
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Why Centime
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Guides
Artificial Intelligence Guide
Accounts Payable Guide
Accounts Receivable Guide
Cash Flow Forecasting Guide
AP Automation Buyer's Guide
Virtual Card Payments Guide
AccessibilityTerms and ConditionsPrivacy PolicySecurity
©2025 Centime
*Centime is a financial technology company, not a bank. 

*All banking products and solutions are provided by FNBO.  Member FDIC.
†Subject to credit approval and minimum spend requirements on Centime Credit Card.
**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.