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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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.

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

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

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.

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

Industry

Entertainment

Employees

51-1000

*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.

^‡Earning interest on AP spend requires using a Centime business bank account. APY is offered through FNBO, Member FDIC, and is subject to change.

**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.

Everything your finance team needs to manage cash more effectively