Centime with AI
The Most Cost-Effective B2B Merchant Processing for Invoices
The most cost-effective B2B payment processing platform for modern finance teams. Accept invoice payments faster with interchange-plus pricing, Level 2/3 optimization, and seamless ERP integration.
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Why Finance Teams Love Centime Merchant Processing
Lowest-Cost B2B Payment Processing
Centime's merchant processing software uses transparent interchange-plus pricing, so finance teams avoid inflated flat-rate processing fees commonly charged by traditional payment providers.
Built for B2B Payment Workflows
Accept payments directly from invoices while automatically syncing remittance data into your ERP or accounting system.
Fast, Simple Onboarding
Start quickly with a streamlined onboarding and seamless accounting integration. In just minutes, businesses can trigger merchant processing workflows without lengthy implementation or complex processes.
Secure Business Payment Processing
Centime delivers bank-backed security, transparent pricing, and simplified settlements for finance teams that need reliable business payment processing infrastructure.
Volume-Based Pricing That Scales
As payment volume grows, Centime's merchant processing software helps businesses optimize transaction costs with scalable pricing structures designed for high-volume B2B transactions.
Predictable Cash Flow & Faster Settlements
Faster access to cash. Most card payments settle within one business day, and ACH in three. Fees are deducted at settlement, and deposits are consolidated into just two per day (one for cards, one for ACH) for easier reconciliation.
Faster Access to Cash
Faster access to cash. Most card payments settle within one business day, and ACH in three. Fees are deducted at settlement, and deposits are consolidated into just two per day (one for cards, one for ACH) for easier reconciliation.
Integrated With AR Automation
Accept card payments directly on invoices and have remittance data automatically matched to open receivables. No more manual reconciliation, everything flows seamlessly into your AR system.
Fast, Flexible Cash Movement
Funds settle quickly, and you can transfer them out as often as you’d like with no restrictions. Keep your cash working where it’s needed most, without waiting on slow processor timelines.
Volume-Based Pricing Tiers
As your payment volume increases, your effective processing costs decrease. Revenue-share levels make merchant processing more cost-effective at scale, so you benefit whether you process $50,000 or $5 million per month. Revenue-sharing tiers ensure that your costs decrease as your volume increases. Merchant processing is no longer a cost center, but rather a margin lever.
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Why Businesses Choose Centime for B2B Payment Processing
Others
Pricing Model
Interchange-plus with volume tiers; costs scale down as you grow
Flat/blended rates; overpay on low-cost transactions
Level II/III Optimization
Automatically qualifies for lower B2B card rates (up to 1% savings)
Limited to Level I; higher interchange fees
Settlement & Deposits
Next-day card funding; 2 daily consolidated deposits (ACH + cards)
2–5 day funding; multiple scattered deposits
ERP Integration
Manual imports or basic CSV uploads
Fee Transparency
Fees netted at settlement; visible per transaction
Lump-sum bills; hidden in month-end statements
Onboarding & Self-Service
Quick setup; branded customer portal for 24/7 invoice payments
IT-heavy setup; limited or no payment portal
Flexibility
Works standalone or within Centime’s AR suite
Either payments-only or locked to full AR software
Customer Support
Dedicated success manager; fast, personalized help
Generic ticket queues; slow, impersonal support
Built for Modern Finance Teams
Centime goes beyond AR automation by bringing core finance operations into one connected platform. From payables and receivables to forecasting, treasury, and expense management, it keeps financial workflows organized within your ERP, helping teams spend less time on manual processes and more time driving strategic decisions.
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.”
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!”
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.”
Industry
Technology & Software
Employees
51-200
Centime AI
Ready to stop overpaying on B2B invoice payments?
Discover how interchange-plus pricing and Level 2/3 optimization protect your margins.
FAQs
What is Level 2/3 data and why does it matter for B2B payments?
Corporate and purchasing cards qualify for lower interchange fees if you pass detailed invoice information (Level 2/3 data) with the transaction. Many flat-fee processors don’t support this, which means you overpay. Centime Merchant Services automatically supports Level 2/3 optimization, so you keep more of every payment.
How quickly will my business receive funds?
Most credit card payments settle within one business day, while ACH transactions typically settle in three. Deposits are consolidated (one for cards, one for ACH), making reconciliation faster and simpler.
How does Centime Merchant integrate with my ERP or AR system?
Centime is ERP-embedded, not bolted on. Payments post directly into systems like NetSuite, Sage Intacct, and Microsoft Dynamics, eliminating manual reconciliation and reducing errors.
How are fees shown and deducted?
Fees are netted at settlement, so you see the actual amount you’ll receive in your bank account right away. This provides real-time transparency instead of waiting for a month-end statement with hidden surprises.
Is Centime Merchant Services secure?
Yes. Centime Merchant Services is bank-backed and PCI-compliant, with fraud protection and tokenization. Sensitive data is safeguarded to reduce your compliance burden and protect against digital payment fraud.
Does Centime Merchant Services only work if I use Centime AR?
No. While Centime Merchant Services integrates seamlessly with AR automation, it can also be used as a standalone solution for B2B invoice payments. This makes it easy to start saving on merchant processing without needing to overhaul your AR workflows.
What is B2B payment processing?
B2B payment processing is the process by which businesses receive, process, and reconcile payments from other businesses, such as ACH payments, credit cards, and invoice payments.
What makes Centime different from traditional merchant processing software?
Centime combines merchant processing software with accounts receivable automation, ERP integration, and cash flow visibility into a single, connected platform designed specifically for B2B finance teams.
How does interchange-plus pricing reduce processing costs?
Interchange-plus pricing provides transparent transaction costs based on actual card network fees plus a fixed markup, helping businesses avoid inflated flat-rate pricing models.
Can Centime integrate with accounting software?
Yes. Centime integrates with top ERP and accounting software to optimize business payment processing and receivables processes.
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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.
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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.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.