Why are 4 out of 5 MineralTree Users* Switching to Centime?
Centime sprouted from roots planted by MineralTree. But we’re growing way beyond basic AP automation.
MineralTree is in Our Roots… But Our Story Goes Beyond Basic AP
Centime was founded by the former founder and CEO of MineralTree, BC Krishna. After selling MineralTree in 2021, BC was ready to take the lessons he learned about AP automation, and build a AP solution for finance teams.
In 2022, BC launched Centime with a broader vision: to unify AP, AR, forecasting, and banking in one platform.
Now we’re branching out, to provide best-in-class AP automation that’s better in every way.
In 2022, BC launched Centime with a broader vision: to unify AP, AR, forecasting, and banking in one platform.
Now we’re branching out, to provide best-in-class AP automation that’s better in every way.
As the CEO of MineralTree, I learned a lot of lessons about the real challenges that finance teams face in managing cash.
That’s why I built Centime.”
That’s why I built Centime.”
BC Krishna,
Founder and CEO
of Centime
of Centime
Former Founder and
CEO of MineralTree
CEO of MineralTree
Sprouted from MineralTree - Our Journey to Comprehensive Cash Management
2011
Founding MineralTree
BC Krishna launches MineralTree, introducing the world to AP automation
2012 - 2020
Putting Down Roots in AP
MineralTree grows to become a leader in AP automation, but finance operations remain disconnected.
BC believes there must be a better way.
BC believes there must be a better way.
2011
MineralTree is Acquired
Global Payments acquires MineralTree for $500M.
BC sees an opportunity to take lessons learned from MineralTree and build a better AP solution.
2022
Centime Builds a BetterAP Solution
Centime is Founded.
BC applies the lessons he’s learned from MineralTree, planting the seeds for the first truly embedded AP solution for NetSuite and Sage Intacct.
2023 to 2025
Centime Creates the Cash Management Category
Centime expands beyond AP to become the first solution to unify AP, AR, cash flow forecasting, and banking.
4 out of 5 MineralTree Users are Switching to Centime. Here’s Why.
Embedded Inside NetSuite
and Sage Intacct
and Sage Intacct
Beyond Accounts Payable – Unified Cash Management
Faster, Easier Implementation
and Onboarding
and Onboarding
The Only AP Solution that
Pays You to Use It
Pays You to Use It
Unlike MineralTree, Centime embeds directly into NetSuite and Sage Intacct for the best seamless experience with real-time sync.
No duplication, no sync errors.
No duplication, no sync errors.
Learn more about:
Centime gives you better cash visibility across all your finance operations. Our AI-powered AP solution comes with built-in cash flow forecasting and cash KPI tracking.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to cash management.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to cash management.
On average, MineralTree users who make the switch are up and running with Centime in just 7-21 days.
Rated Best Implementation and Best Support by G2.
Rated Best Implementation and Best Support by G2.
Learn more about our white-glove support and our 7-21 day onboarding process:
Centime is the only AP solution that gives you the power to earn 3.0% APY** on vendor payments, including check and ACH – no virtual cards required.
Learn more about how to transform AP into a profit center.
Branch out and get more
from your AP solution
Invoice Capture
Realtime, 100% automated, powered by cutting edge Gen AI model, learns and improves over time
Slow, requires human review, doesn't learn over time
Invoice Coding
AI-powered auto-coding that learns and predicts even complex line level coding
Rigid, static coding rules
Approvals
Flexible, easy approval matrix. Route based on any combination of invoice supplier, amount, and coding
Limited, static approval rules
PO Matching
Easy and precise PO-Invoice-Receipt matching
Innacurate PO-Invoice line comparison creates headaches
Cash Flow Forecasting
Built-in 13 week cash flow forecast to guide payment planning
No insight into cash flow impact of payables
Fraud Monitoring
Realtime fraud monitoring detects and flags suspicious payments
None, increased risk of payment fraud
Embedded ERP Integration
Fully embedded in NetSuite & Sage Intacct for real-time data, eliminating duplicate entries and errors
Basic connector integration with sync delays and manual workarounds
All-in-One Finance Platform
AP, AR, cash flow forecasting, and banking—fully integrated into one platform
AP-only tool requiring third-party payment processors
Cash Back on Vendor Payments
Earn 3.0% APY++ on vendor payments, turning AP into a revenue-generating function
AP is a cost center with transaction fees
Reliable, Accurate Sync
Two-way, real-time sync with NetSuite, Sage Intacct, and QuickBooks for instant updates and full audit trails
Users report frequent sync issues causing duplicate invoices and missing balances
Search
Fast and intuitive search to help you operate at scale
Frustrating, slow search
Payment Processing
Powered by FNBO's native ACH rails, for full control over settlement flow.
3rd Party ACH Processing limits control over payment stops and reversals
Onboarding & Support
7-21 day onboarding with a dedicated success manager and hands-on migration support
Slow adoption, limited support, requires IT lift
Scalability & Growth
Built for multi-entity growth, supporting expansion without additional headcount
Hard to scale, requiring extra staffing for new locations
Vendor Setup & AI Assistance
AI-powered vendor setup auto-suggests accounts, reducing manual work and errors
AI does not suggest account numbers, requiring manual vendor coding
CUSTOMER QUOTE
What Ex-MineralTree
Customers Say:
“As we evaluated switching from MineralTree to Centime, it was about more than just checking all the boxes from an AP automation perspective. We needed to feel confident that any issues would be easy to resolve and that support would be accessible whenever needed. Centime delivered on both, giving us the peace of mind that help would always be just a call away.”
Ex-Mineral Tree User
PROTEIN PANCAKE COMPANY
51-200
EMPLOYEES
