Centime: ar automation software platform

The short answer

Buy Centime if you are a mid-market finance team on QuickBooks, Microsoft Dynamics Business Central, Oracle NetSuite or Sage Intacct and your cash problem spans both sides of the ledger. It is one of the few platforms that treats payables, receivables, a 13-week cash forecast and corporate card spend as one system, built into the ERP you already run rather than beside it.

Skip it if you need one capability and nothing else, because the pitch and the packaging both reward buying the suite. Skip it too if your revenue sits well outside the $10M to $250M band Centime names as its best fit, or if you cannot start a procurement without a published figure, since no price, metric or starting point appears anywhere on the site.

Where Centime fits

Centime pricing

Centime publishes no prices. A request for centime.com/pricing on 16 October 2026 returned HTTP 200 but served the Centime home page rather than a rate card, and the call to action everywhere is a 30-minute demo. No list price, no starting price, and no published metric: nothing on the site says whether the bill runs on users, invoices, entities or a platform fee. The only numbers near the commercial question are the $10M to $250M revenue band Centime names as its best fit, which frames who it sells to rather than what it charges.

Four things to settle, and the first is the one the site makes hardest to guess.

1. The pricing metric itself. Nothing is published about how the bill is calculated, so the first question is which counter the contract is written against: seats, invoices processed, entities, payment volume or a flat platform fee. Get it named in the order form, along with the band boundaries and what happens when you cross one, because every later negotiation depends on knowing what makes the number move.
2. How many of the four products you take. Centime explicitly tells you to start with your biggest pain and grow into the platform, which is sensible advice and a pricing structure hiding in plain sight. Ask for Accounts Payable, Accounts Receivable, Cash Flow Forecasting and Expense Management each quoted alone, and for the full suite quoted together, so you can see what the bundle is worth and what phase two costs.
3. Your ERP and how clean the fit is. The quote will assume one of QuickBooks, Dynamics Business Central, NetSuite or Sage Intacct, and a particular version of it. Ask what the assumption is, what happens if you are mid-upgrade, and how a second ERP or a future migration is handled. ERP-native is a strength while your ERP is on the list and a risk the moment it is not.
4. Which parts carry transaction fees rather than subscription. Payment processing, B2B merchant processing, AR surcharge management, AR lockbox, business banking and the working capital line of credit are all listed as features, and features like those are usually priced per transaction or per interest period. Ask for each rate separately, and treat the banking and credit facilities as their own agreements with their own covenants.

What is quoted rather than priced

• Every module. Accounts Payable, Accounts Receivable, Cash Flow Forecasting and Expense Management are packaged into one quote with no published per-module price.
• Payment processing, B2B merchant processing, surcharging and the AR lockbox, all listed as features with no published rates.
• Business banking and the working capital line of credit, provided through FNBO rather than by Centime, and subject to credit approval and minimum spend requirements on the Centime card.
• Implementation and onboarding. No fee is published, and customer stories reference ongoing customer success sessions without attaching a cost to them.
• Partner-delivered work. Centime sells through banks, ERP resellers, systems integrators and accounting firms, so part of your implementation may be contracted with a partner on separate terms.

Implementation and commercial terms

The site publishes nothing commercial, so these rows state what was verified on 16 October 2026 and name the gaps instead of filling them.

Published price

None. The pricing URL served the home page on 16 October 2026

Pricing metric

Not published. Ask whether it is users, invoices, entities or a platform fee

Implementation fee

None published

Free trial

None listed. A 30-minute demo and customer stories instead

ERP coverage

QuickBooks, Dynamics Business Central, NetSuite and Sage Intacct, described as ERP-native

Banking

Provided by FNBO. Centime states it is a financial technology company, not a bank

Budget Centime as a suite decision rather than a tool purchase, because that is how it is sold. Decide which single module you would buy if you could only buy one, get that priced, then get the full platform priced, and compare the gap against what you currently spend on the point tools it would replace. Keep the banking, card and credit lines out of that comparison and assess them on their own terms, since they come with a different provider and different conditions. If sales will only quote the suite as one number, ask what the renewal looks like if you drop a module, and get the answer in writing.

Source: the Centime pricing page, checked 16 October 2026. Confirm current prices with the vendor before you budget.

What Centime gives up

How Centime compares

Centime sits between spend management tools and enterprise order-to-cash suites, so useful comparisons come from both directions. The questions that separate them in practice are what the price is written against, whether you can buy one process at a time, and whether anyone tells you a number. Each price cell below comes from that product's own page.

What to test in a Centime demo

No free trial is listed, so the route in is a 30-minute demo followed by a scoped proof of concept. Thirty minutes is not enough to judge a four-product suite, so treat the first call as triage and insist on a longer session against your own data before anything is signed.

1. Make them connect your actual ERP instance, not a demo tenant. Whether you run QuickBooks, Dynamics Business Central, NetSuite or Sage Intacct, the claim being tested is that the integration is native. Post an invoice in Centime, confirm the resulting ledger entry yourself, then change something in the ERP and watch it come back the other way.
2. Test the 13-week forecast against a quarter you already know. Load real payables, receivables and bank data from a closed period and compare what the Cash Forecasting Workbench predicted with what happened. A forecast built from live ledger data should beat your spreadsheet on a backtest, and if it does not, the main reason to buy the suite rather than the modules weakens.
3. Run your worst receivables and payables cases side by side. On the AP side, a partial delivery and a purchase order price variance. On the AR side, a short payment with no remittance advice and a customer who disputes a line. Watch how much a person still has to do, and ask what the AI-powered OCR and rapid coding did without supervision.
4. Price the money movement separately from the software. Ask for the rates on payment processing, B2B merchant processing, surcharging and the AR lockbox, and get the business banking and working capital line of credit terms as their own documents, including which entity provides them and what credit approval involves. The card's minimum spend requirement belongs in that conversation too.
5. Close the commercial loop in the same week. Ask for each of the four products priced alone and together, the pricing metric named, the ERP version assumption stated, the contract term and notice period confirmed, and data export rights for invoices, customers, suppliers and payment history written down. None of that is published, so none of it exists until it is in the order form.

Frequently asked questions about Centime