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Most AP automation platforms make the case that they’ll save you time and money. And they probably will—assuming your team actually uses them, and you’ve got a decent volume of invoices to justify the cost.
Centime takes that a step further: we help you earn money back while automating your AP.
That’s not a metaphor. That’s cash, sitting in a Centime high-yield business checking account linked to your AP workflows, earning 2.25% APY††—and in many cases, offsetting or even exceeding the cost of the automation software itself.
Let’s break that down.
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What Makes Centime Different
Most AP automation tools focus on efficiency and rebate programs. Rebates can help, but they’re often tied to virtual card usage, vendor enrollment, or minimum spend thresholds—and they take time to ramp up. Worse, the float sitting in your AP account during payment cycles? It’s usually earning you nothing.
With Centime, that float is put to work.
By holding AP funds in a Centime Checking Plus* account, many clients see their automation costs significantly reduced—sometimes even fully covered—by the interest alone.
There’s no delay in vendor payments, no workflow changes, and no rebate hoops. Just a fully liquid, interest-bearing account that generates predictable value during your regular payment cycle.
A Realistic Example: What You Could Earn
Let’s say your company processes about 1,200 invoices per year, averaging $3,000 per invoice. That’s $3.6 million in annual AP spend.
Assuming a consistent monthly float of $250,000 in your AP account (not unrealistic for a mid-sized business managing timing between approvals, payment terms, and execution), you’d earn approximately:
- $6,250 annually at 2.25% APY††
- That’s $573 per month in passive income from money that would otherwise sit idle.
Now let’s say your Centime AP subscription runs around $5,500 per year¶.
That means you’ve more than covered the cost of automation—and pocketed nearly $1,375.
¶Actual subscription pricing depends on invoice volume and business size. This number is for illustrative purposes only.
When Does It Actually Become “Free”?
That’s the right question—and the honest answer is: it depends.
The amount of interest you earn comes down to two main factors:
- How much cash you typically have in your AP checking account
- What your Centime subscription costs, which is based on your invoice volume
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.
We’ve seen businesses across a wide range of sizes use earned interest to offset a meaningful portion—or even the full amount—of their AP automation cost. But it’s not one-size-fits-all. A company processing 400 invoices per year with smaller balances will see a different outcome than one with higher payment volumes and more cash on hand.
If you’re curious how it would shake out for you, we can model it using your actual numbers. No vague ROI promise—just math.
💡 Note: To earn interest, AP funds must be held in a Centime high-yield business checking account that’s fully integrated with your AP workflows. There's no batching delay, and no separate vendor enrollment—just interest that accumulates during your normal payment cycle.
How It Feels in Practice
Here’s what we hear from finance leaders who’ve made the switch:
“It was the first time I’d ever presented an AP automation tool to my CFO and been able to show that it could literally pay for itself.”
This flips the typical procurement conversation. Instead of justifying another software expense, you’re showing how the solution funds itself—and strengthens your working capital position at the same time.
No Rebate Games. Just Guaranteed Yield.
Virtual card rebates are nice—when they work. But they depend on vendor acceptance, unpredictable timing, and administrative setup. Centime’s approach is simpler: deposit your AP funds into a purpose-built account, earn a predictable 2.25% APY††, and automate your back office with a net-positive impact on your budget.
It’s AP automation with a built-in return.
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.
Curious Where You’d Land?
You don’t need to guess. We’re happy to walk you through the numbers using your actual invoice volume and cash cycle.
👉 Book a demo and let us show you what free AP automation looks like—for real.