Centime offers more than just expense management, automating your entire finance function — AP, AR, cash flow, and banking — in one platform. Built for NetSuite, Sage Intacct, and QuickBooks, it delivers real-time integration and is the best Concur replacement for mid-market businesses.
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.
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.
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.
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.
Centime offers up to 2.25% APY†† on AP balances, helping offset automation costs. Concur provides no yield — your float sits idle or funds someone else’s margin.
Instead of using Concur for AP, a separate system for AR, and spreadsheets for cash flow — you could do it all in Centime, without switching ERPs or managing multiple vendors. We unify your finance stack so you can:
| Feature | centime | concur |
|---|---|---|
| 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 | ✅ Fast (7–21 days) | ❌ Often months-long deployment |
| Invoice Capture | ✅ AI-powered OCR + auto-coding | OCR available, manual touch-ups common |
| GL Coding | ✅ Header + line-level with AI | ❌ Line-level coding requires manual effort |
| PO Matching | ✅ 2- & 3-way automated | ❌ 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 2.25% APY†† | ❌ Not available |
| Supplier Portal | ✅ Included | ❌ Retired / unsupported |
| AR Automation | ✅ Native collections, invoicing, payment portal | ❌ Not offered |
| 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 |
| Pricing Model | ✅ All-in-one platform pricing | ❌ Modular pricing (add-ons required) |
| Base Cost | ✅ Transparent | ❌ Varies by module |
| Implementation Cost | ✅ Low | ❌ High |
| Time to Implement | ✅ 7–21 days | ❌ Several months |
| Integration Costs | ✅ Included | ❌ Additional fees |
| Payment Processing Fees | ✅ No separate processing fees | ❌ External vendor costs |
| ROI Potential | ✅ Earn up to 2.25% APY†† | ❌ No ROI |
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.
Yes. Centime includes full AR automation and built-in cash flow forecasting—unlike Concur, which only supports AP.
With Centime, you can earn up to 2.25% APY†† on AP balances before payment. Instead of your software provider profiting on your float, you do.
Centime customers typically go live in 2–3 weeks. Concur implementations often take months due to complexity and third-party integrations.
No. You can pay vendors from your existing accounts—or use Centime Banking* to earn interest on AP funds.
Our innovative AR, AP and business banking solutions are powerful alone, and even better together. Schedule a tailored demo with a Centime expert.