Centime

Accounts Payable

AI-powered accounts payable automation module (sold as 'AP Automation') that streamlines the entire payables workflow from invoice capture to payment reconciliation. Includes OCR/AI invoice capture, intelligent approval workflows, 3-way PO matching, supplier portal, payment processing (ACH, check, virtual card), cash flow forecasting, KPI reporting, and banking module. Embedded natively in NetSuite, Sage Intacct, QuickBooks, and MS Dynamics 365 BC. Unlimited users included. Priced based on volume of invoices captured.

Accounts Receivable

AI-powered accounts receivable automation module that puts receivables on autopilot. Includes AI collections automation, invoice delivery, customer payment portal (ACH, card, check), collection campaigns, collection workflows, surcharge management, lockbox services, cash application, and built-in cash flow forecasting. Embedded natively in NetSuite, Sage Intacct, and QuickBooks. Unlimited users included. Priced based on volume of invoices collected.

Business Banking

Modern business banking solution provided through FNBO (Member FDIC). Includes high-yield business checking (Checking Plus, 2.25% APY), insured cash sweep with enhanced multi-million dollar FDIC coverage up to $130M, account aggregation across all bank accounts, cross-bank transfer, built-in fraud protection, and working capital credit. No charge for companies that qualify.

Expense Management

Integrated expense management solution powered by Fyle. Provides mobile-first expense tracking and reporting, automated approval workflows, real-time card spend visibility, built-in policy enforcement, and support for any corporate card program. Seamlessly integrates with NetSuite, Sage Intacct, and QuickBooks. Included with AP or AR subscriptions; free to qualified Centime Card users with minimum spend; can also be purchased standalone based on number of users.