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.
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.
Centime handles the entire payables flow—AI invoice capture, line-level coding, 3-way PO match, rules-based approvals, and ACH/check/virtual card payments—all in-platform. Tesorio has no AP. With Centime Banking, you can earn up to 2.25% APY†† on AP funds, turning vendor payments into a profit lever.
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.
Centime's 13-week forecast pulls live AR, live AP, and live bank balances—and lets you model what-ifs (pay later, collect earlier) and execute those decisions right away. AR-only forecasts can show you the slope; Centime lets you change it.
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.
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.
| Feature | centime | tesorio |
|---|---|---|
| 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 2.25% 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 |
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.
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.
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.
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.
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.
Yes. Centime aggregates all bank accounts and offers integrated business checking that can earn up to 2.25% APY†† on AP funds. Tesorio does not provide banking functionality.
Our innovative AR, AP, and business banking solutions are powerful alone, and even better together. Schedule a tailored demo with a Centime expert.