Centime vs. Other AP Automation Tools: What Finance Teams Actually Need

“You’ve outgrown your AP tool. But have you upgraded your finance automation strategy?”

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Midmarket finance leaders are facing a new challenge: your AP automation tool might technically work, but it’s no longer working for you.

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If you're stuck stitching together platforms, reconciling ERP syncs, or wondering why your vendor payments are earning someone else interest—you're not alone. Most AP tools were designed for task completion, not strategic cash management.

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Centime is different. It’s not just built to help you process payments. It’s built to help you lead—controlling cash flow, optimizing working capital, and generating ROI from your finance function.

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The AP Landscape: Where Others Stop, Centime Starts

The majority of AP solutions on the market today were built to streamline invoice processing and payment approvals. And that’s where they stop.

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They weren’t built for embedded ERP visibility, cash forecasting, or turning AP into a profit center. That’s why so many midmarket teams feel like their finance tech is “fine,” but never actually strategic.

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Centime was built with a different mindset. One where AP, AR, and cash planning aren’t siloed—but unified in one intelligent finance automation tool.

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How Centime Stacks Up Against Traditional AP Tools

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Feature	Centime	Most AP Tools
Invoice Capture	Real-time, 100% automated using Gen AI; improves over time	Slow, requires human review; static and error-prone
Invoice Coding	AI-powered auto-coding, even for complex line-level logic	Rigid, rule-based coding prone to errors
Approvals	Flexible approval matrix — customizable by supplier, amount, or GL code	Basic, static approval flows
PO Matching	AI-powered 2- and 3-way PO-Invoice-Receipt matching	Manual or error-prone matching
Cash Flow Forecasting	Built-in 13-week forecast for smarter payment timing	No visibility into the cash flow impact of AP
Fraud Monitoring	Realtime AI-based monitoring flags suspicious transactions	No built-in fraud detection; manual risk management
ERP Integration	Fully embedded in NetSuite & Sage Intacct for real-time data	Basic connectors that require manual syncs and workarounds
All-in-One Platform	Unified AP, AR, forecasting, and banking	AP-only tools; often require add-ons or third-party integrations
Cash Back on Payments	Earn 3.0% APY++ on vendor payments — AP that pays for itself	AP is a cost center with transaction fees
Sync Accuracy	Two-way real-time sync with NetSuite, Sage Intacct, QuickBooks	Frequent sync issues causing duplicates or data delays
Search & Scale	Fast, intuitive global search built for scaling finance teams	Clunky, hard-to-navigate search experience

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The Centime Advantage

✅ One Platform, Not Patchwork

Ditch the disconnected tools. Centime unifies AP, AR, cash forecasting, and business banking in one place—with built-in logic and data continuity across every workflow.

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✅ AP That Pays You Back

With Centime, you can earn 3.0% APY⁺⁺on vendor payments—no virtual cards required. Instead of your provider profiting off your float, your business does.

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✅ Embedded Where It Matters

Centime isn’t an external system bolted onto your ERP. It’s embedded in the tools you already use—like NetSuite and Sage Intacct—for real-time sync, zero reconciliation lag, and full audit trails.

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✅ Cash Visibility at Every Step

With built-in forecasting tools, you can plan payments, see potential shortfalls, and make smarter cash decisions days—or weeks—before they become urgent.

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What Finance Teams Are Saying

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“Centime’s seamless integration with NetSuite was a significant advantage, ensuring smooth data flow and compatibility with our existing systems.”
— Finance Operations Manager, Financial Services

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“A standout Centime feature is its time-saving invoice entry and capture capabilities through AI automation, particularly with invoice coding and PO matching, streamlining tasks that typically consume significant time, enhancing efficiency and accuracy in managing AP workflows.”
— Cassidy Drilling, CFO, Craft ‘Ohana

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Is Centime Right for You?

If you’re a midmarket business with $10M+ in revenue, managing payables in NetSuite, Sage Intacct, or QuickBooks, and:

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You’re scaling fast and need more than invoice automation
You want visibility into every dollar in and out
You’re tired of disconnected systems and underwhelming support
You want a solution that pays for itself

Then it’s time to take a look at Centime.

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Book Your Personalized Demo

See how Centime turns AP from a cost center into a cash-generating, strategy-driving function—with AI-powered workflows, deep ERP integration, and real ROI.

Book a Demo →

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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

Centime vs. Other AP Automation Tools: What Finance Teams Actually Need

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