Automate AP, AR, Expense & Treasury—Right Inside Your ERP

Centime automates payables and receivables, tracks expenses, unlocks real-time cash visibility, and earns cash back on working capital. Stop wasting time with disconnected finance tools. Sync in minutes and onboard in weeks (not months), with award-winning support.

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Powerful finance automation solutions alone -- even better together

Centime automates your entire finance operation—AP, AR, expense management, and treasury—directly within your ERP. Choose just the modules you need, or go all-in-one for complete cash management.

Accounts Payable

AI Capture & Code
PO Matching
Approval Workflows
Payment Planning
Supplier Portal
Vendor Payments
Virtual Cards
Transaction Monitoring
Payment Planning and Forecasting

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Accounts Receivable

Invoice Delivery
AI Collection Workflows
Collection Campaigns
Dispute Resolution
Customer Portal
Electronic Payments
Cash Application
Cash Inflow Forecasting

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Expense Management

Mobile Expense Tracking
Automated Approval Workflows
Simplified Expense Reports
Real-Time Spend Visibility
Automatic Policy Enforcement
Works with Any Card Program
Free to Centime Card* users^† (with minimum spend)
Powered by Fyle

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Business Banking*

High Yield Checking
Insured Cash Sweep**
Enhanced FDIC Coverage
Account Aggregation
Cross-Bank Transfer
Fraud Protection
Working Capital Credit

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*Centime is a financial technology company, not a bank. 
*All banking products and solutions are provided by FNBO. Member FDIC.

G2 Reviews

4.9 Star Rating

Capterra Reviews

4.5 Star Rating

Winner

Fintech of the Year

Best Support

Top Rated NPS

Best Place to

Work in Fintech 2023

Turn Accounts Payable into a Profit Center with AI-Powered Automation

Transform your invoice-to-payment workflow with Centime’s AI-powered AP automation. Eliminate manual data entry with intelligent invoice capture and coding, plus 3-way PO matching.

Create custom approval workflows based on your unique business processes, and earn 3.0% APY^†† on vendor payments—offsetting automation costs and turning your AP function into a strategic cash-generating asset.

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“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.”

Accelerate Collections and Boost Cash Flow with AI-Powered AR Automation

Streamline your entire accounts receivable process with Centime’s AI-driven AR automation. Eliminate manual follow-ups with intelligent, customizable collection workflows that proactively manage receivables—reducing Days Sales Outstanding (DSO), improving cash predictability, and enhancing customer relationships.

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“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.”

Get Real-Time Spend Control and Visibility with Mobile-First Expense Management

Automate expense tracking, approvals, and reporting with Centime’s integrated, mobile-friendly expense management solution, powered by Fyle.

Instantly enforce spending policies, streamline reimbursements, and empower your finance team with real-time visibility into every expense—free for Centime Card users^†*, and compatible with any corporate card program.

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Take Control of Your Cash with Built-in Cash Flow Forecasting, Scenario Planning, and KPIs

Confidently manage short-term cash flow with Centime’s intuitive 13-week forecasting tools. Easily model scenarios based on AP spend and AR collections, monitor key cash metrics in real-time, and make proactive decisions to optimize liquidity.

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“The Cash Flow Forecasting and Reporting provide clear insight into business performance and health aiding in managing upcoming payment schedules and anticipated outflows, which is extremely helpful for planning and managing liquidity.”

Business banking*
re-imagined

Mitigate risk and maximize yield with modern business banking solutions. With Centime Checking you can earn interest on idle cash, diversify deposits over $250,000**, and seamlessly transfer funds between banks with a checking account powered by FNBO.

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"We've saved about 10 hours of work each week -- Centime has made a big difference in our operations.”

Why all-in-one?

Centime's unified cash management suite empowers the entire finance team, providing end-to-end control and visibility into the set of interconnected processes that impact working capital. Hundreds of innovative organizations have ditched disjointed processes and systems, opting instead for a modern, holistic approach to finance operations.

Why Centime

What Centime Users Say

“We saved 40+ hours a month on AP processing. Beyond that, Centime’s Customer Support is always super responsive. Anytime I send something, they’ll email me back within an hour.”

- Janice Helzer, Synergy HomeCare

Industry

Home Care Services

Employees

10,000+

saved weekly

10 Hours

invoices processed

100+ Monthly

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.”

- Lowry C, R3 LLC

Industry

IT & Services

Employees

51-200

What Centime Users Say

“I've felt exceptionally supported throughout this journey. Unlike other SaaS implementations where follow-up meetings felt unnecessary, these sessions with our Customer Success Manager are invaluable.”

- Nickie Hanson, Erdman Holdings, Inc.

Industry

Professional Services

Employees

51-200

ON investment

3x Return

reduction in processing

70% Costs

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.”

- Verified G2, Review User

Industry

Entertainment

Employees

51-1000

*Centime is a financial technology company, not a bank.  

*All banking products and solutions are provided by FNBO. Member FDIC. FNBO is not responsible for the content of this page.

^†Subject to credit approval and minimum spend requirements on Centime Credit Card.

^‡Earning interest on AP spend requires using a Centime business bank account. APY is offered through FNBO, Member FDIC, and is subject to change.

CENTIME, and other trademarks, service marks, and designs are the registered or unregistered trademarks of Centime, Inc. in the United States and other countries. All other trademarks are the property of their respective owners.

**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.

Automate AP, AR, Expense & Treasury—Right Inside Your ERP