Stampli Adds Friction. Centime Works Seamlessly Inside Your ERP.
Make the switch to the only AP and AR solution that goes beyond basic bill payment and turns your vendor payments into a profit center.
Stampli Users are Switching to Centime. Here’s Why.
Truly Embedded
ERP Integration
ERP Integration
Multi-Line Invoice Coding
That Reduces Errors
That Reduces Errors
Smarter, Configurable
Approval Workflows
Approval Workflows
Built-In Payment
Automation
Automation
Pay Vendors
Without an Invoice
Without an Invoice
Stampli operates outside your ERP, relying on third-party connectors that introduce sync delays and IT headaches.
Centime is embedded directly into NetSuite and Sage Intacct for seamless, real-time data flow — no duplication, no lag, no middleware required.
Centime is embedded directly into NetSuite and Sage Intacct for seamless, real-time data flow — no duplication, no lag, no middleware required.
Learn more about:
BILL promotes itself as a full cash solution, but its focus is AP—with limited AR capabilities and no true cash management tools. Centime gives you better cash visibility across all your finance operations.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to finance automation.
Explore our solutions for Accounts Receivable, Expense Management, and Business Banking to learn more about our comprehensive approach to finance automation.
BILL promotes itself as a full cash solution, but users often cite slow support and recurring platform bugs.
Centime gives you real-time, human support and a dedicated team that knows your business. Consistently rated “Best Support” on G2, our customers trust us to provide the help they need, when they need it.
See why businesses love Centime’s customer support.
Centime gives you real-time, human support and a dedicated team that knows your business. Consistently rated “Best Support” on G2, our customers trust us to provide the help they need, when they need it.
See why businesses love Centime’s customer support.
BILL profits off your AP spend. With Centime, you can earn up to 3.0% APY†† on your vendor payments when you use Centime Checking Plus* – no virtual cards required. With BILL, your cash is their revenue stream. With Centime, your cash works for you.
Learn more about how to transform AP into a profit center.
Built for Forward Thinking Strategic Finance Teams
Stampli solves a narrow slice of the AP process — but when your business needs more than invoice approvals, it starts to fall short. Without native ERP integration, multi-line invoice support, or embedded payments, workflows get fragmented fast. There’s no built-in forecasting, no AR, and no way to scale your financial operations from a single platform.
Centime changes that. We offer true ERP integration, end-to-end payment automation, and the flexibility to manage AP, AR, and cash flow in one place — all backed by fast implementation and real human support.
Centime changes that. We offer true ERP integration, end-to-end payment automation, and the flexibility to manage AP, AR, and cash flow in one place — all backed by fast implementation and real human support.
AP spend
Based on $100,000 Per Month
$36,000‡
Cashback
Annually
Annually
🎉
$0
Cashback
Annually
Annually
👎
VS
Example shown assumes 3.0% APY†† on $1.2M in annual AP spend. Actual earnings may vary.
Branch out and get more from your AP solution
Features
ERP Connection Type
Built for small businesses (<10 employees) and CPAs. Lacks mid-market scalability.
ERP Sync Speed
Fully embedded in NetSuite & Sage Intacct. Real-time sync, no errors.
External tool requiring manual syncs. Prone to errors & data delays.
ERP IT Overhead
Earn 3.0% APY†† on AP funds before payments are sent.
BILL keeps the float and earns interest off your cash.
Implementation Time
Same-day ACH and direct-to-vendor payments.
2–4 day delays on ACH payments. BILL holds your funds.
Multi-Line Invoice Coding
AI-powered OCR captures invoice data with high accuracy and auto-coding suggestions.
Manual upload and inbox forwarding with limited OCR. No intelligent auto-coding.
Invoice Auto-Coding
Supports automated 2-way and 3-way PO matching against invoices and receipts.
No native PO matching functionality. Requires manual review and reconciliation.
Complex Invoice Handling
Flexible, multi-step approvals based on amount, vendor, or department.
Basic invoice approvals. Lacks advanced routing.
Reconciliation Impact
AI-powered fraud monitoring flags suspicious transactions in real-time.
Standard security. No proactive fraud detection.
Approval Logic Type
Built-in forecasting to plan payments and optimize working capital.
No forecasting tools. Requires manual cash planning.
Approver Accuracy
Real-time, dedicated support with 51+ NPS.
Generic, self-serve support. Long response times.
Workflow Customization
AI-suggested vendor account mapping for faster onboarding.
Manual setup. No AI-powered vendor coding.
Approval Speed
Detailed AP audit trails and automated reporting for compliance.
Basic audit logs, limited reporting customization.
Payment Processing Location
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Payment Methods Supported
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Payment Visibility
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Payment Timing
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Pre-Invoice Payments
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Recurring Vendor Payments
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Payment Request Flow
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Use Case Flexibility
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Onboarding Duration
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Onboarding Support Model
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Customer Support Responsiveness
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Support Availability
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Finance Automation Scope
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
AR Automation
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
Cash Forecasting
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
System Consolidation
Handles multi-entity AP processing and international payments natively.
Limited multi-entity support. Requires workarounds for global payments.
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
What Centime Users Say
“A standout Centime feature is its time-saving invoice entry and capture capabilities through AI automation, particularly with invoice coding and PO matching…”
Industry
Food & Beverage
Employees
201-500
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
“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
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 the right fit for my business?
Centime is designed for mid-market businesses that need advanced AP & AR automation, real-time ERP integration, and full cash flow visibility. If you use NetSuite, Sage Intacct, or QuickBooks with $1M+ in revenue, Centime is a great fit.
For very small businesses (<$1M revenue) with simple AP/AR needs, BILL or QuickBooks alone may be enough—but if you're scaling and need smarter automation, better cash management, and seamless ERP integration, Centime is the better choice.
For very small businesses (<$1M revenue) with simple AP/AR needs, BILL or QuickBooks alone may be enough—but if you're scaling and need smarter automation, better cash management, and seamless ERP integration, Centime is the better choice.
How does Centime compare to BILL for AP automation?
BILL profits off your AP by holding payments for days to earn interest—Centime lets you keep your cash longer and even earn up to 3.0% APY++.
Centime also offers same-day ACH, real-time ERP sync, and AI-powered fraud detection, while BILL relies on delayed syncs and manual approvals. If you want faster payments and better cash control, Centime is the clear choice.
Centime also offers same-day ACH, real-time ERP sync, and AI-powered fraud detection, while BILL relies on delayed syncs and manual approvals. If you want faster payments and better cash control, Centime is the clear choice.
What makes Centime’s NetSuite and Sage Intacct integration better than BILL’s?
Unlike BILL, which relies on basic connector integrations that cause sync delays and manual workarounds, Centime is fully embedded in NetSuite and Sage Intacct.
This means real-time data sync, no duplicate entries, and no reconciliation headaches, ensuring a seamless, more reliable experience.
This means real-time data sync, no duplicate entries, and no reconciliation headaches, ensuring a seamless, more reliable experience.
What does it mean that Centime pays you to Automate AP?
Traditional AP processes focus on managing vendor payments efficiently, but they often overlook the potential for generating financial returns on the funds held in AP accounts. Centime offers a groundbreaking solution: an AP bank account that earns interest on deposits.
By simply maintaining a target balance, businesses can turn their AP function into a profit center. This innovative approach allows businesses to leverage their existing vendor payments to generate additional income, offsetting costs and boosting working capital.
By simply maintaining a target balance, businesses can turn their AP function into a profit center. This innovative approach allows businesses to leverage their existing vendor payments to generate additional income, offsetting costs and boosting working capital.
What’s the difference between Centime and BILL for AR?
BILL offers basic invoicing and reminders but lacks true AR automation. Collections still require manual follow-ups, and payments don’t sync in real-time with your ERP.
Centime automates invoicing, collections, and cash application, ensuring faster payments, smart escalation workflows, and real-time reconciliation. If you need a fully automated AR process that connects to AP and forecasting, Centime delivers.
Centime automates invoicing, collections, and cash application, ensuring faster payments, smart escalation workflows, and real-time reconciliation. If you need a fully automated AR process that connects to AP and forecasting, Centime delivers.
Can I use Centime just for AP or AR?
Yes! You can start with AP automation, AR automation, or both, depending on what your business needs most. Many customers begin with AP, then expand into AR and cash forecasting once they see the benefits of a unified solution.
How long does it take to switch from BILL to Centime?
Most businesses are up and running with Centime in 7–21 days. Our team handles the migration, data sync, and ERP setup to ensure a seamless transition with minimal disruption.
What are the benefits of Centime outside of AP? How does it integrate with Centime AR, Banking, and Expense Management?
Centime is more than just an AP tool—it’s a fully integrated finance platform. Unlike BILL, which is AP-only and requires third-party payment processors, Centime combines AP, AR, cash flow forecasting, and banking into a single, seamless system.
This means businesses can manage cash flow, automate AR collections, and optimize vendor payments—all from one platform.
This means businesses can manage cash flow, automate AR collections, and optimize vendor payments—all from one platform.
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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**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.
