AvidXChange vs. Centime: More than Just Bill Pay
AvidXChange focuses on payments. Centime starts earlier—with OCR, PO matching, and smart coding—then goes further with AR, forecasting, and banking in one platform.
Why AvidXChange Users Are Switching to Centime
Centime connects natively to NetSuite and Sage Intacct, with a deep real-time integration for QuickBooks.
AvidXChange relies on third-party APIs and batch syncs that introduce delays and data gaps.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
AvidXChange relies on third-party APIs and batch syncs that introduce delays and data gaps.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
Centime captures invoices with AI-powered OCR, then automatically matches to POs and receipts—no manual review required.
AvidXChange starts at payment processing, not capture or matching.
See how Centime automates OCR and PO matching.
AvidXChange starts at payment processing, not capture or matching.
See how Centime automates OCR and PO matching.
With Centime, you don’t just automate payables—you accelerate collections too. From invoice delivery to payment reminders to customer portals, AR automation is built in.
AvidXChange has no AR module.
Read up on Centime AR Automation.
AvidXChange has no AR module.
Read up on Centime AR Automation.
Centime automatically forecasts your 13-week cash position based on live AP and AR data.
With AvidXChange, you’re still stitching together spreadsheets.
See why growing mid-market companies use our Cash Flow Forecasting module.
With AvidXChange, you’re still stitching together spreadsheets.
See why growing mid-market companies use our Cash Flow Forecasting module.
With Centime Banking*, you earn 3.0% APY†† on your AP balances—covering your automation costs and improving working capital.
AvidXChange profits off float. Centime puts that money back in your pocket.
See how Centime pays you to automate AP.
AvidXChange profits off float. Centime puts that money back in your pocket.
See how Centime pays you to automate AP.
Today’s Finance Teams Don’t Just Pay Bills – They Manage Cash
AvidXChange helps you process payments. But it wasn’t built to manage the full scope of finance operations. You’re still stitching together tools for invoice capture, approvals, forecasting, and AR.
Centime takes a different approach. From the moment an invoice hits your inbox to the day cash lands in your account, Centime gives you full visibility and control—embedded directly in your ERP. With real-time data, smart automation, and a unified platform for AP, AR, and cash flow, Centime transforms finance from a back-office function into a strategic driver of growth.
Centime takes a different approach. From the moment an invoice hits your inbox to the day cash lands in your account, Centime gives you full visibility and control—embedded directly in your ERP. With real-time data, smart automation, and a unified platform for AP, AR, and cash flow, Centime transforms finance from a back-office function into a strategic driver of growth.
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Feature-by-Feature Comparison: Centime vs. AvidXChange
Features
Sync Reliability
Real-time, bidirectional ERP sync
Sync delays reported by users
Onboarding Experience
White-glove onboarding, no penalties
Penalties or fees for delays reported
Invoice Capture + Coding
AI-powered OCR with smart GL coding
OCR available; limited coding capabilities
Payment Speed
Fast ACH, wires, checks, and virtual cards
Slower due to pre-funding workflows
Payment Flow
Direct from your own account
Funds flow through Avid-controlled account
Platform Scope
Unified AP, AR, forecasting, and banking
Primarily AP-focused
Dispute & Deduction Tracking
Included in AR workflows
Not supported
Vendor Portal
Included with self-service onboarding
Available
Search & Filters
Advanced filters and invoice retrieval
Limited search capabilities
Support & Responsiveness
<1 hour response time
Slow replies, mixed reviews
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.”
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.”
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.”
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.”
Industry
Entertainment
Employees
51-1000
What Centime Users Say
“Centime is helping us solidify the financial foundation to support our growth—across our club, stadium, academy, and second team.”
Industry
Spectator Sports
Employees
10,000+
Designed for Mid-Market Growth
Finance teams at scaling businesses need more than invoice approval and payment processing. They need clean data, seamless workflows, and visibility across inflows and outflows.
Centime unifies the tools you’d otherwise patch together—OCR, AP automation, AR automation, cash forecasting, and business banking—in one ERP-embedded platform.
No third-party syncs. No silos. No juggling disconnected tools.
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
Is Centime a good fit for my AP team?
Yes. Centime handles everything AvidXChange does—and more. With Centime, your team can manage intake, PO matching, approvals, payments, and vendor setup in one flow. If you're AP-first, Centime gives you depth without limiting your future.
How does Centime connect to my ERP?
Centime offers direct integrations with NetSuite, Sage Intacct, and QuickBooks, so your AP and AR data flows in real time—no batch uploads, sync delays, or middleware required.
Does Centime include AR automation?
Can I just use Centime for AP?
Absolutely. You can start with AP and add AR, forecasting, or banking when you're ready. Centime is modular—but fully integrated when you're ready to scale.
How fast is onboarding?
Most teams are live in 7 to 21 days, depending on complexity. Your onboarding specialist handles ERP connection, vendor migration, and configuration start to finish.
What’s this about 3.0% APY††?
When you fund vendor payments through a Centime account, you earn up to 3.0% APY†† on those balances. No virtual cards or rebate tricks—just real yield on your AP.
More Questions
Try it free
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.
Solutions
Features
Pricing
Integrations
Resources
Software Solutions
Company
Industries
Guides
**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.
††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.