Why Mid-Market Teams Are Replacing FIS Integrated Payables with Centime
FIS IP handles payments—but leaves everything else to spreadsheets, portals, and bolt-on tools. Centime unifies AP, AR, forecasting, and banking in one platform embedded in your ERP.
FIS IP Users are Switching to Centime. Here’s Why.
Centime is fully embedded in NetSuite and Sage Intacct, and deeply integrated with QuickBooks for real-time sync and visibility.
FIS IP sits outside your ERP and relies on custom file uploads, leading to batch delays and broken workflows.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
FIS IP sits outside your ERP and relies on custom file uploads, leading to batch delays and broken workflows.
Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
Centime automates every step with AI invoice capture, smart workflows, and full GL coding.
FIS handles payments—but your team still manually codes invoices, chases approvals, and reconciles data.
See how Centime simplifies invoice capture and invoice coding.
FIS handles payments—but your team still manually codes invoices, chases approvals, and reconciles data.
See how Centime simplifies invoice capture and invoice coding.
Centime goes further—consolidating your receivables, payables, treasury data, and business bank accounts into one place.
FIS IP is just AP.
See why Centime is different.
FIS IP is just AP.
See why Centime is different.
Centime delivers 7–21 day onboarding, rapid ERP connection, and white-glove support—no consultants needed.
FIS IP requires heavy IT lift, file-based integrations, and lengthy onboarding.
Learn more about customer support with Centime.
FIS IP requires heavy IT lift, file-based integrations, and lengthy onboarding.
Learn more about customer support with Centime.
With Centime, your AP isn’t just automated—it’s profitable. Earn 3.0% APY†† on funds set aside for AP spend when you use Centime’s banking solution.
See how Centime pays you to automate AP.
See how Centime pays you to automate AP.
When Finance Leads, You Need More Than a Payment Processor
FIS IP handles outsourced payments, but still requires your team to manage invoice capture, GL coding, approvals, and reconciliations through separate tools or manual processes.
Centime replaces that patchwork with a fully unified platform for AP, AR, forecasting, and business banking—deeply embedded in your ERP for real-time control and visibility.
Centime replaces that patchwork with a fully unified platform for AP, AR, forecasting, and business banking—deeply embedded in your ERP for real-time control and visibility.
FIS IP vs. Centime: Feature Comparison
Features
ERP Sync Speed
Real-time
Batch-based sync
Built-In Payments
ACH, checks, virtual cards embedded
Payments via separate portal
Fraud Prevention
Positive pay, approval logic, dual controls
Secure payment network
Business Banking
Integrated bank accounts via FNBO
Not included
Pricing Transparency
Flat, transparent pricing
Custom enterprise pricing
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+
Centime Replaces Disconnected Tools with One Embedded Platform
When AP, AR, and cash forecasting live in separate tools, finance teams waste hours reconciling disconnected systems.
Centime changes that—bringing every workflow under one roof, fully embedded in your ERP.
- AP Automation with built-in payments
- AR Collections and customer portals
- Real-time cash forecasting and treasury insights
- Business banking and credit lines—all in one login
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
How does Centime integrate with ERPs compared to FIS IP?
Centime connects natively to NetSuite and Sage Intacct, and deeply to QuickBooks—no middleware or file mapping required. FIS relies on batch-based uploads and custom file exports.
Does Centime support more than just AP?
Yes. In addition to full AP automation, Centime includes AR automation, forecasting, and business banking tools in one unified platform.
What does “AP that pays you” mean?
When you use Centime’s banking solution, you earn 3.0% APY†† on funds allocated for AP—offsetting the cost of automation and turning AP into a profit center.
How long does it take to implement Centime?
Most customers are live in 7–21 days, with support at every step. No consultants, custom file builds, or months-long timelines.
Does FIS IP include invoice capture and coding?
No. FIS IP focuses primarily on payments. Customers must handle invoice intake, GL coding, and approvals through other systems or manually.
More Questions
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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.
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Resources
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Company
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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.
††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.