Concur Routes Invoices. Centime Runs Finance.

Concur was built for T&E. Centime was built to run your entire finance function. We embed AP, AR, forecasting, expense and business banking directly inside NetSuite, Sage Intacct, and QuickBooks—no bolt-ons, no batch delays, no spreadsheets.

Concur Users are Switching to Centime. Here’s Why.

Truly Embedded
ERP Integration
Smarter Invoice
Capture & Coding
Built-In PO Matching & Approvals
Payments + Fraud
Monitoring—Built In
Real ROI: The Only AP
That Pays You
Centime connects natively to NetSuite and Sage Intacct — and deeply with QuickBooks — no middleware, no delays.

Concur depends on third-party syncs, increasing lag, errors, and IT overhead.

Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
Centime uses AI-powered OCR to auto-code invoices—header and line-level included.

Concur relies on static templates and manual fixes, especially for complex invoices.

See how Centime simplifies invoice capture and invoice coding.
Centime offers flexible, rules-based workflows and automated 2- and 3-way PO matching.

Concur lacks native PO matching and frustrates users with clunky approval interfaces.

See how Centime automates PO matching.
Centime supports same-day ACH, checks, and wires—executed directly in-platform, with AI-based fraud detection.

Concur only queues payments—you’ll need a separate tool to actually move money.

Learn more about payment processing with Centime.
Centime offers up to 3.0% APY†† on AP balances, helping offset automation costs.

Concur provides no yield—your float sits idle or funds someone else’s margin.

See how Centime pays you to automate AP.

When Finance Leads, You Need More Than Expense Workflows

Concur was built to track receipts and reimburse travel—not power your entire finance operation.

For mid-market teams, Concur’s AP module often feels like an afterthought. There’s no AR, no forecasting, no way to optimize working capital in one place. You’re left stitching together tools—or worse, back in spreadsheets.

Centime is built differently.
We unify AP, AR, expense, banking, and cash forecasting in one platform that lives inside your ERP. You get real-time visibility, embedded workflows, and automation that scales. And with built-in banking, Centime transforms AP from a cost center into a cash generator.

Branch out and get more from your AP solution

Features
ERP Integration
Embedded in NetSuite, Intacct, QBO & QBD
External connectors & middleware
ERP Sync Speed
Real-time, two-way sync
Near real-time only
Implementation Timeline
Often months-long deployment
Invoice Capture
OCR available, manual touch-ups common
GL Coding
Header + line-level with AI
Line-level coding requires manual effort
PO Matching
Not supported
Approval Workflows
Multi-step, rules-based + AI
Basic routing, lacks flexibility
Vendor Payments
ACH, check, wire—built in
Requires external payment processor
Same-Day ACH
Available
Not available
Fraud Monitoring
AI-based, real-time
Basic controls only
Interest on AP Funds
Earn up to 3.0% APY††
Not available
Supplier Portal
Retired / unsupported
Cash Flow Forecasting
Built-in, real-time
Not available
Collections Campaigns
Automated outreach & tracking
Not supported
Cash Application
Automated matching
Not available
Recurring Billing
Supported
Not supported
Credit Risk Analysis
AI-driven
Not available
Unified Platform
AP, AR, Cash, Banking—all in one
Separate tools required
Customer Support
Dedicated team, 51+ NPS
Ticket-based, enterprise-focused
SHOW ALL FEATURES

One Platform. Zero Fragmentation.

Instead of using Concur for AP, a separate system for AR, and spreadsheets for cash flow—you could do it all in Centime.

We unify your finance stack so you can:

  • Approve and pay vendors directly from your ERP
  • Automate collections and speed up receivables
  • Forecast and optimize cash flow in real time
  • Earn interest on AP funds, turning automation into ROI
All without switching ERPs or managing multiple vendors.

FAQs

How does Centime’s ERP integration differ from Concur’s?

Centime is embedded directly in NetSuite, Sage Intacct, and deeply with QuickBooks—no connectors or sync delays. Concur relies on external integrations that create lag and data gaps.

Does Centime support AR and forecasting?

Yes. Centime includes full AR automation and built-in cash flow forecasting—unlike Concur, which only supports AP.

What does ‘AP that pays you’ mean?

With Centime, you can earn up to 3.0% APY†† on AP balances before payment. Instead of your software provider profiting on your float, you do.

What’s the implementation timeline?

Centime customers typically go live in 2–3 weeks. Concur implementations often take months due to complexity and third-party integrations.

Do I have to switch banks to use Centime?

No. You can pay vendors from your existing accounts—or use Centime Banking* to earn interest on AP funds.