Growing Businesses are Switching from BILL to Centime for End-to-End Finance Automation
Make the switch to the only AP and AR solution that goes beyond basic bill payment and turns your vendor payments into a profit center.
BILL users are Switching to Centime. Here’s Why.
True Embedded AP in NetSuite & Sage Intacct
Beyond Accounts Payable – Unified Finance Automation
Personalized Customer Support That Puts You First
Real ROI – The Only AP Solution that Pays You to Use It
BILL operates outside your ERP, creating sync issues.
Centime is embedded directly into NetSuite and Sage Intacct for seamless, real-time data flow—no sync errors, no duplication.
Centime is embedded directly into NetSuite and Sage Intacct for seamless, real-time data flow—no sync errors, no duplication.
Learn more about:
BILL promotes itself as a full cash solution, but its focus is AP—with limited AR capabilities and no true cash management tools. Centime gives you better cash visibility across all your finance operations.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to finance automation.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to finance automation.
BILL promotes itself as a full cash solution, but users often cite slow support and recurring platform bugs.
Centime gives you real-time, human support and a dedicated team that knows your business. Consistently rated “Best Support” on G2, our customers trust us to provide the help they need, when they need it.
See why businesses love Centime’s customer support.
Centime gives you real-time, human support and a dedicated team that knows your business. Consistently rated “Best Support” on G2, our customers trust us to provide the help they need, when they need it.
See why businesses love Centime’s customer support.
BILL profits off your AP spend. With Centime, you can earn up to 3.0% APY†† on your vendor payments when you use Centime Checking Plus* – no virtual cards required. With BILL, your cash is their revenue stream. With Centime, your cash works for you.
Learn more about how to transform AP into a profit center.
Centime earns you cash back on your vendor payments.
BILL earns money on your vendor payments.
Centime puts it back in your pocket.
According to their recent earnings report, up to 20% of BILL's revenue comes from interest earned on funds held from customers. That means that when you make a payment in BILL, they're earning interest on it.
At Centime, we're flipping the script and giving you the opportunity to earn that interest -- after all, it's your cash! We're the only AP solution offering cash back on vendor payments‡.
At Centime, we're flipping the script and giving you the opportunity to earn that interest -- after all, it's your cash! We're the only AP solution offering cash back on vendor payments‡.
AP spend
Based on $100,000 Per Month
$36,000‡
Cashback
Annually
Annually
🎉
$0
Cashback
Annually
Annually
👎
VS
Example shown assumes 3.0% APY†† on $1.2M in annual AP spend. Actual earnings may vary.
Go Beyond Basic Accounts Payable
Features
Target Customers
Built for small businesses (<10 employees) and CPAs. Lacks mid-market scalability.
ERP Integration
Fully embedded in NetSuite & Sage Intacct. Real-time sync, no errors.
External tool requiring manual syncs. Prone to errors & data delays.
Cash Control
Earn 3.0% APY†† on AP funds before payments are sent.
BILL keeps the float and earns interest off your cash.
Payment Speed
Same-day ACH and direct-to-vendor payments.
2–4 day delays on ACH payments. BILL holds your funds.
Invoice Capture
AI-powered OCR captures invoice data with high accuracy and auto-coding suggestions.
Manual upload and inbox forwarding with limited OCR. No intelligent auto-coding.
PO Matching
Supports automated 2-way and 3-way PO matching against invoices and receipts.
No native PO matching functionality. Requires manual review and reconciliation.
Approval Workflows
Flexible, multi-step approvals based on amount, vendor, or department.
Basic invoice approvals. Lacks advanced routing.
Fraud Protection
AI-powered fraud monitoring flags suspicious transactions in real-time.
Standard security. No proactive fraud detection.
Cash Flow Forecasting
Built-in forecasting to plan payments and optimize working capital.
No forecasting tools. Requires manual cash planning.
Customer Support
Real-time, dedicated support with 51+ NPS.
Generic, self-serve support. Long response times.
Vendor Setup & Management
AI-suggested vendor account mapping for faster onboarding.
Manual setup. No AI-powered vendor coding.
Audit Trail & Reporting
Detailed AP audit trails and automated reporting for compliance.
Basic audit logs, limited reporting customization.
Multi-Entity & Multi-Currency Support
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
What Centime Users Say
“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.”
Industry
Commercial Real Estate
Employees
51-200
What Centime Users Say
“A standout Centime feature is its time-saving invoice entry and capture capabilities through AI automation, particularly with invoice coding and PO matching…”
Industry
Food & Beverage
Employees
201-500
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.”
Industry
IT & Services
Employees
51-200
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.”
Industry
Entertainment
Employees
51-1000
BILL’s AR: An Afterthought, Not a Solution
BILL markets itself as an AP & AR platform, but in reality, its AR solution is limited, disjointed, and lacks real automation.
The Complete AP & AR Solution
AI-powered AR automation – Invoicing, collections, and cash application fully automated.
Branded customer payment portal – Make it easier for customers to pay without extra logins.
Smart collection workflows – AI-driven reminders and escalations to speed up cash flow.
Full AP + AR + Cash Flow Forecasting – All in one place, giving you complete cash visibility.
Real-time ERP sync – Payments automatically update in NetSuite & Sage Intacct.
What BILL’s AR is missing:
No end-to-end automation – You still need to chase collections manually.
No real-time cash visibility – AR & AP live in separate silos, making cash flow planning difficult.
No smart collection workflows – Just basic email reminders, no AI-powered escalation logic.
No ERP-native AR processing – Payments don’t sync in real-time like they do with Centime.
No automated dispute tracking – Any invoice disputes must be managed manually.
AP
Automation
Automation
AR
Automation
Automation
Business
Banking
Banking
Expense
Management
Management
What Centime Users Say
“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.”
Industry
Commercial Real Estate
Employees
51-200
