The Most Cost-Effective B2B Merchant Processing for Invoices
The most cost-effective B2B payment processing platform for modern finance teams.
Predictable Cash Flow & Faster Settlements
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. Merchant processing is no longer a cost center, but rather a margin lever.
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.
Why Businesses Choose Centime for B2B Payment Processing
| Features | | 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 | Native sync to NetSuite, Sage Intacct, QuickBooks; auto-posts to GL | 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.
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.
Ready to Stop Overpaying on B2B Invoice Payments?
Discover how interchange-plus pricing and Level 2/3 optimization protect your margins.