Centime vs. Quadient YayPay: From AR Silos to Full Finance Automation
Centime unifies AP, AR, cash flow forecasting, and business banking inside NetSuite, Sage Intacct, and QuickBooks — giving you a complete picture of your cash and more control over working capital. Quadient YayPay stops at collections.
Quadient YayPay Users are Switching to Centime. Here’s Why.
Centime connects natively to NetSuite, Sage Intacct, and QuickBooks, syncing data in real time without middleware headaches.
YayPay relies on integrations that are often limited in scope, creating gaps and delays in your data flow.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
YayPay relies on integrations that are often limited in scope, creating gaps and delays in your data flow.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
Centime delivers your entire finance engine — payables, receivables, forecasting, and business banking — in one ERP-embedded platform.
Quadient YayPay focuses solely on collections, forcing you to juggle multiple systems to manage the rest of your cash cycle.
See why Centime is different.
Quadient YayPay focuses solely on collections, forcing you to juggle multiple systems to manage the rest of your cash cycle.
See why Centime is different.
Centime’s rolling, AI-powered cash flow forecasts pull in AP, AR, and banking data for a complete, accurate view of your liquidity.
YayPay’s forecasting is limited to AR projections, leaving you blind to the other half of your cash position.
Learn more about our 13-week rolling cash forecast.
YayPay’s forecasting is limited to AR projections, leaving you blind to the other half of your cash position.
Learn more about our 13-week rolling cash forecast.
Centime streamlines AP from invoice capture and PO matching to approvals and payments — all alongside AR automation.
Quadient YayPay doesn’t address payables, leaving a critical part of your finance operations untouched.
See how Centime automates AP end-to-end.
Quadient YayPay doesn’t address payables, leaving a critical part of your finance operations untouched.
See how Centime automates AP end-to-end.
With Centime Banking, you can turn AP into a profit center by earning interest on AP funds and improving working capital.
YayPay offers no banking or yield capabilities, meaning your payments remain an expense rather than an opportunity.
See how Centime pays you to automate AP.
YayPay offers no banking or yield capabilities, meaning your payments remain an expense rather than an opportunity.
See how Centime pays you to automate AP.
Centime vs. Quadient YayPay:
Built for Strategic Finance Leaders
Quadient YayPay gives you a strong AR collections workflow — but that’s where it stops. To run AP, make payments, forecast cash flow, and manage banking, you’ll need more software, more logins, and more reconciliations.
Centime eliminates the silos. Our ERP-embedded platform lets you approve invoices, collect payments, forecast cash, and move funds — all from one place, in real time.
When AP, AR, and forecasting live together, your team spends less time chasing data and more time driving strategy. Finance leaders aren’t just sending reminders — they’re optimizing working capital, predicting liquidity, and influencing business decisions. That’s the Centime difference.
When AP, AR, and forecasting live together, your team spends less time chasing data and more time driving strategy. Finance leaders aren’t just sending reminders — they’re optimizing working capital, predicting liquidity, and influencing business decisions. That’s the Centime difference.
YayPay = Siloed Tools
Centime = Unified Platform
That’s the Centime difference
Centime vs. Quadient YayPay: Built for Strategic Finance Leaders
Quadient YayPay gives you a strong AR collections workflow — but that’s where it stops. To run AP, make payments, forecast cash flow, and manage banking, you’ll need more software, more logins, and more reconciliations.
Centime eliminates the silos. Our ERP-embedded platform lets you approve invoices, collect payments, forecast cash, and move funds — all from one place, in real time.
When AP, AR, and forecasting live together, your team spends less time chasing data and more time driving strategy. Finance leaders aren’t just sending reminders — they’re optimizing working capital, predicting liquidity, and influencing business decisions. That’s the Centime difference.
Centime eliminates the silos. Our ERP-embedded platform lets you approve invoices, collect payments, forecast cash, and move funds — all from one place, in real time.
When AP, AR, and forecasting live together, your team spends less time chasing data and more time driving strategy. Finance leaders aren’t just sending reminders — they’re optimizing working capital, predicting liquidity, and influencing business decisions. That’s the Centime difference.
Quadient YayPay vs. Centime: Feature Comparison
Features
AP automation (invoice capture, PO match, approvals, payments)
Fully automates payables end-to-end in one platform
No AP automation; AR-only focus
Multi-line GL coding
Allocate costs across accounts in one step
No multi-line coding
Fraud detection & payment controls
Role-based approvals + payment protections
Basic user permissions; no advanced fraud tools
AR automation (invoicing, reminders, dispute management)
Full AR suite from billing to dispute resolution
Focused on AR collections; limited invoicing tools
Cash application automation
Auto-applies incoming payments to invoices
Supports auto cash application for certain ERPs
Cash flow forecasting (AP + AR + Banking data)
Combines all cash in/out for complete picture
Forecasting limited to AR data only
Rolling AI-driven forecasts
Continuous updates with real-time ERP + bank sync
No AI-driven forecasting
Embedded in NetSuite, Sage Intacct, QuickBooks
Direct, native ERP connections
Integrates with select ERPs; not embedded
Supports multiple ERPs in one instance
Manage multi-ERP environments in one login
Single ERP instance focus
Built-in business banking
FDIC-insured accounts with AP yield options
No banking
One-click payments from forecasts
Initiate payments directly from forecast view
Not offered
Dedicated onboarding specialist
Assigned expert for setup + training
Standard onboarding; details vary
Live phone + chat support
Speak to a live rep when you need help
Email and limited chat; no dedicated phone line
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
The Centime Value
Instead of stitching together AR software, AP software, a forecasting tool, and a bank, Centime replaces the entire patchwork.
With embedded ERP workflows, real-time data, and unified cash management, you can:
- See every payable and receivable in one dashboard.
- Forecast with confidence — factoring in AP, AR, and bank balances.
- Pay and collect without leaving your ERP.
- Earn interest and improve liquidity without changing banks.
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
FAQs
How does Centime integrate with ERPs compared to Quadient YayPay?
Centime connects natively to NetSuite and Sage Intacct, and deeply to QuickBooks—no middleware or file mapping required. YayPay relies on batch-based uploads and custom file exports.
How is Centime different from Quadient YayPay?
Centime delivers AP automation, AR automation, cash flow forecasting, and business banking in one ERP-embedded platform. YayPay is AR-focused and requires additional tools for AP, payments, and forecasting.
Can Centime help me forecast cash flow?
Absolutely. Centime provides AI-powered, rolling forecasts across AP, AR, and banking data, updated in real time.
How quickly can I get started?
Most Centime customers go live in 7–21 days with a dedicated onboarding specialist.
Do I need to switch banks?
No. Centime aggregates your existing accounts and offers built-in banking for AP funds if you choose.
More Questions
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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.
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