5 Reasons BILL Users Are Switching to Centime

BILL Was Built for Small Businesses—You Need More

BILL may have worked when your business was small. But as your company grows, so do your financial needs. Businesses that once relied on BILL are realizing that it’s not designed for mid-market companies with more complex cash management needs.

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If you’re managing significant accounts payable (AP) volume, forecasting cash flow, and looking for ways to optimize your working capital, BILL is holding you back. And in many cases, it’s actively profiting from your money.

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Centime is different. It’s built for scaling businesses—offering a fully integrated AP and AR platform that helps you make the most of your cash.

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Stop Letting BILL Profit Off Your Cash

How BILL Uses Your Money to Boost Its Own Profits

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Every business relies on efficient cash flow to stay competitive. But did you know BILL is making money off your payments? BILL holds onto your AP funds before releasing them to your vendors—deliberately delaying payments so it can earn interest on your cash.

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In its most recent earnings report, BILL disclosed that up to 20% of its revenue comes from the interest it earns by holding customer funds. That’s your money—money that should be working for you, not lining BILL’s pockets.

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Meanwhile, your vendors experience unnecessary payment delays, and your working capital takes a hit.

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Centime does the opposite. Instead of profiting from your float, Centime helps you earn on it. With Centime, you can earn up to 3.0% APY⁺⁺ on your vendor payments—turning AP into a profit center, not a cost center.

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5 Reasons BILL Users Are Choosing Centime

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1. True Embedded AP in NetSuite & Sage Intacct

BILL operates outside your ERP, requiring frequent data syncs that cause delays, duplication, and errors. Centime is natively embedded inside NetSuite and Sage Intacct, offering real-time, error-free financial data flow.

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📌 What this means for your business:

No more sync errors or reconciliation headaches
Instant updates across your financial systems
True AP automation within your ERP, not outside it

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➡️ Learn more about Centime’s AP integration for NetSuite & Sage Intacct.

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2. Beyond Accounts Payable—A Unified Cash Management Solution

BILL promotes itself as a full cash management solution, but in reality, it’s just an AP tool with limited AR features and no true cash flow forecasting.

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📌 With Centime, you get:

End-to-end AP & AR automation—no need for multiple disconnected tools
Built-in cash flow forecasting so you always know where your business stands
A single platform to manage payables, receivables, and working capital

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Feature	Centime	BILL
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.
Fraud Protection	✅ AI-powered fraud monitoring flags suspicious transactions in real-time.	❌ 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.

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3. BILL’s AR Is an Afterthought—Centime’s AR Is Built for Growth

BILL markets itself as an AP & AR platform, but its AR solution is disjointed and lacks real automation. Businesses using BILL for AR often find themselves manually chasing collections, struggling with visibility, and dealing with payment delays.

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🚨 What BILL’s AR is missing:

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❌ No end-to-end automation – You still need to follow up manually

❌ No real-time cash visibility – AP and AR live in separate silos

❌ No AI-driven collection workflows – Just basic email reminders

❌ No real-time ERP sync – Payments don’t update seamlessly

❌ No automated dispute tracking – Invoice disputes require manual intervention

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📌 Centime’s AR solution:

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✔ AI-powered AR automation – Invoicing, collections, and cash application are fully automated

✔ Branded customer payment portal – Makes it easier for customers to pay

✔ Smart collection workflows – AI-driven reminders and escalations for faster cash flow

✔ Complete AP + AR + cash flow forecasting – All in one platform

✔ Real-time ERP sync – Instant updates across your financial systems

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🔎 Why settle for two disconnected tools when you can have one powerful, fully integrated solution?

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4. Better Customer Support That Puts You First

BILL treats customers like just another account number, offering generic, impersonal support with long wait times.

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📌 BILL’s customer support issues:

Long response times – Waiting days for a simple answer
Lack of dedicated support – No assigned rep for your account
Limited help for complex issues – If it’s not a basic FAQ, good luck

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📌 Centime’s customer-first approach:

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✔ Dedicated support team – Assigned reps who know your business

✔ Faster response times – Get real-time help when you need it

✔ High customer satisfaction – Centime maintains an NPS of 51+, showing strong user trust

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5. Real ROI—The Only AP Solution That Pays You to Use It

BILL profits off your AP spend. Centime pays you with up to 3.0% APY⁺⁺ on vendor payments—no virtual cards required. With BILL, your cash is their revenue stream. With Centime, your cash works for you.

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➡️ Learn more about how Centime turns AP into a profit center.

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Making the Switch: See Centime in Action

Businesses frustrated with BILL’s limitations are making the switch to Centime for a more comprehensive AP and AR solution. Book a demo today to see how our AI-driven platform eliminates inefficiencies, improves cash flow, and simplifies AP & AR management. Book a demo today.

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**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.

*Centime is not a bank and is not authorized by any federal or state agency to engage directly in core banking activities.
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*All banking products and services available through Centime are provided by FNBO and are governed by the applicable agreements and related disclosures provided to you by FNBO. Member FDIC.
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‍*While Centime facilitates traditional banking activities (such as the acceptance of deposits or extensions of credit), these services are actually provided by our banking partner, FNBO.
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*Centime may provide support services to FNBO, as permitted by applicable law, to facilitate the delivery of its bank products and services.

**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 bank

5 Reasons BILL Users Are Switching to Centime

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