Tesorio Stops at AR. Centime Unifies Your Entire Cash Cycle.

Tesorio focuses on collections and AR-centric forecasting. Centime is a full-suite platform—AP + AR + cash forecasting + business banking—embedded inside NetSuite and Sage Intacct and integrated deeply with QBO/QBD. One login. Real-time data. End-to-end cash control.

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Why Tesorio Users Prefer Centime

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Embedded in Your ERP (Not Another External App)
AP Automation That Actually Pays You
Collections + Cash App + Customer Portal—Tied to AP & Banks
Forecasts You Can Act On (What-Ifs Included)
Faster Go-Live, One Partner
Work inside NetSuite & Intacct with real-time sync—no middleware, no copy/paste, no lag. 

Tesorio runs outside your ERP, so teams bounce between systems and rely on syncs.

Learn more about Centime for NetSuite, Centime for Sage Intacct and Centime for QuickBooks.
Centime handles the entire payables flow—AI invoice capture → line-level coding → 3-way PO match → rules-based approvals → ACH/check/virtual card payments—all in-platform. 

Tesorio has no AP. With Centime Banking, you can earn up to 2.75% APY†† on AP funds—turning vendor payments into a profit lever.

See how Centime's AP Automation is different.
Run smart dunning, accept customer payments, and auto-apply cash—then see those inflows instantly reflected in forecasts and coordinated with outgoing payables. 

Tesorio’s AR tools are solid, but isolated from AP execution and banking.

‍Learn more about Centime AR.
Centime’s 13-week forecast pulls live AR, live AP, and live bank balances—and lets you model what-ifs (e.g., pay later, collect earlier) and execute those decisions right away. 

AR-only forecasts can show you the slope; Centime lets you change it.

‍See how Centime automates cash flow forecasting.
Get live in weeks with a white-glove team—then scale modules (start AR-only if you want) without adding vendors. With Tesorio, you’ll still need a separate AP tool and a separate bank experience.

‍Learn more about onboarding and implementation with Centime.

Beyond Receivables:
The Case for Unified Finance

Tesorio helps you chase invoices. But finance leaders know receivables are only half the story. When AP, AR, forecasting, and banking live in separate tools, teams waste hours reconciling instead of optimizing.

Centime was built for the bigger picture. By embedding directly in your ERP, Centime unifies payables, receivables, cash forecasts, and banking into one system. The result: real-time visibility, tighter control, and the ability to shape working capital strategy across the entire cash cycle — not just collections.
VS
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Tesorio vs. Centime: Feature Comparison

Features
ERP Integration Model
Embedded in NetSuite & Intacct; deeply with QBO/QBD; MSD 365 BC coming soon
External app with ERP connectors; sync-based, not in-ERP
Accounts Payable Automation
Full AP: invoice capture → coding → approvals → payments
No AP automation
Invoice Data Capture (OCR + AI)
AI-powered OCR; header + line-item extraction
Not available
2-way / 3-way PO Matching
2- and 3-way PO/invoice/receiving match
Not available
Approval Workflows (AP)
Rules-based, multi-level approvals
Not available
Vendor Payments
ACH, check, virtual card; schedule for cash optimization
Not available
Supplier Onboarding & Portal
Self-service W-9s, banking info, payment status
Not available
AR Invoice Delivery
Sends invoices to customers; automates reminders
Not available natively (ERP/third-party required)
Recurring Billing & Subscriptions
Native recurring invoice delivery + Autopay schedules
Not available
Collections Automation
Multi-touch dunning campaigns, templates, tasks
Automated email campaigns; less configurable
Customer Payment Portal
Branded portal; ACH/CC payments; disputes
Basic portal via Stripe; fewer options
Cash Application (Auto-Match)
AI auto-match; remittance handling
AI cash matching agent
Credit Management
Credit limits + risk controls embedded
Not available
Cash Flow Forecasting (13-week)
Rolling forecast with live AP, AR, banks; updated in real time
Forecast module; AR/AP data but AR-centric, limited scope
What-if Scenario Modeling
Interactive “what-if” (collections/payment timing, financing)
Basic adjustments; no dedicated modeling tools
Banking Integration
Aggregates bank balances + transactions in-platform
Not available
Business Banking & Yield
Centime Checking Plus*; earn up to 2.75% APY++ on AP funds
Not available
Implementation Speed
Go live in weeks; pre-built ERP embed; white-glove onboarding
Easy AR deployment, but AP/banking require extra vendors
Support Model
Dedicated success team; one partner for AP/AR/banking
Responsive support, but fragmented across multiple vendors
Platform Scope
Unified AP + AR + Forecasting + Banking
AR-focused: collections, portal, forecasting
SHOW ALL FEATURES
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What Centime Users Say
“Centime is a must-have for collections and has helped to significantly reduce time spent on this tedious task. The Receivables module provides highly customizable, automated reminder campaigns, convenient payment links where customers can pay by credit card/ACH, and the ability to record collections notes and promised payment dates to help with cash management.”
- Verified G2, Review User
Read more
Industry
IT & Services
Employees
51-1000
What Centime Users Say
“Centime has helped reduce the workload for our AR process. What would normally take anywhere between 4-6 hours a week, we are now able to accomplish under an hour. Grateful and excited for the additional help!”
- Jose M, Verified G2 Review
Read more
Industry
IT & Services
Employees
51-1000
What Centime Users Say
“We saw a significant reduction in the number of customers that need some sort of follow-up, converted 50% to electronic payments, and saw a substantial decrease in overdue invoices.”
- Patrick Maguire, JobGet
Read more
Industry
Technology & Software
Employees
51-200

Centime Puts Receivables in Context

AR is only one lever in working capital. Without visibility into AP, banking, and forecasts, you’re still flying blind. That’s where Tesorio stops.

Centime unifies payables, receivables, forecasting, and banking in your ERP. So every decision—whether to pay a vendor early, chase a customer harder, or hold cash longer—is made in the context of the whole cash cycle.

That’s the value: not just automating tasks, but giving finance leaders the ability to orchestrate cash with confidence.

‍

FAQs

Does Tesorio integrate with my ERP?
How is Centime different from Tesorio in AR automation?
What if I only need AR right now?
How long does implementation take?
Does Centime offer cash flow forecasting like Tesorio?
Can Centime replace my bank portal?

Does Tesorio integrate with my ERP?

Yes, but only as an external connection. Tesorio syncs data via APIs. With Centime, you work inside NetSuite or Intacct, with connectors for QBO/QBD and Dynamics 365 BC coming soon. That means no sync delays, no duplicate entry, and one real-time source of truth.

How is Centime different from Tesorio in AR automation?

Both offer dunning campaigns, portals, and AI cash application. But Centime ties AR to AP, forecasting, expense and banking in one system. That means collections aren’t siloed—you can see how customer payments affect your cash position, AP schedule, and bank balances instantly.

What if I only need AR right now?

Centime is modular. You can start with AR-only and add AP, forecasting, or banking later—no new vendors, no new integrations. With Tesorio, you’d need to layer in separate tools for those functions.

How long does implementation take?

Centime typically goes live in weeks, thanks to ERP-embedded design and white-glove onboarding. Tesorio’s AR setup is fast too, but if you also need AP or banking, that means extra vendors and extra projects.

Does Centime offer cash flow forecasting like Tesorio?

Yes—both provide 13-week forecasts. The difference: Centime’s forecast updates in real time with live AP, AR, and bank data, and includes what-if modeling to test scenarios. Tesorio’s forecasting is AR-driven and reporting-oriented, without scenario planning.

Can Centime replace my bank portal?

Yes. Centime aggregates all bank accounts and offers integrated business checking that can earn up to 2.75% APY on AP funds. Tesorio does not provide banking functionality.
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