Centime, Inc.
Centime, Inc. is a Boston-based SaaS company offering an all-in-one finance automation suite (AP, AR, expense management, embedded banking) for mid-market businesses, integrated bi-directionally with major ERPs and leveraging AI for OCR, coding, fraud detection, and collections.
- Company typePrivate
- Founded2020
- HeadquartersBoston, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Centime, Inc. does
Centime, Inc. is a Boston-based SaaS company that sells an all-in-one Finance Automation Suite to mid-market businesses (typically 51–10,000+ employees), consolidating accounts payable, accounts receivable, expense management, and business banking in a single platform. Founded in 2020 and operating with 51–100 employees, Centime is a financial technology company (not a bank) that embeds its workflow layer directly inside customer ERP environments — NetSuite, Sage Intacct, QuickBooks, and Microsoft Dynamics 365 — via bi-directional data sync. Banking products (high-yield checking, Insured Cash Sweep, working capital credit) are provided through a white-label partnership with FNBO (First National Bank of Omaha, Member FDIC), while expense management is powered by Fyle/Findity, including a new April 2026 embedded partnership with Findity marking Findity's U.S. market entry.
The platform's technical core combines AI-powered OCR for invoice capture, predictive ML for invoice line-item coding learned from historical patterns, anomaly/fraud detection on outgoing payments, AI-driven collections workflows, and a 13-week cash flow forecasting engine. A distinctive commercial feature is the interest-bearing AP bank account earning up to 4.25% APY on customer AP float, plus B2B virtual credit cards with cash-back rebates — collectively designed to offset the software subscription cost and reposition AP from a cost center into a profit center. Reported customer outcomes include up to 72% reduction in cost-per-invoice, ~41% improvement in forecast accuracy, and 3x ROI in published case studies.
Centime's go-to-market is hybrid: a product-led entry with website-accessible product tours and self-service evaluation, combined with a sales-led motion targeting mid-market CFOs and finance directors through demos, ROI calculators, and a Q&A guide addressing ERP integration and cash flow concerns. Revenue is generated primarily through subscription pricing on AP and AR automation modules (example: $4,500/year for ~900 invoices, or roughly $5/invoice), with monetized transaction fees on virtual card interchange and float income on AP balances. The company reports 'hundreds of customers' across verticals including IT services, construction, healthcare, manufacturing, professional services, cannabis, home care, sports, and entertainment, with G2 ratings of 4.9 stars and Capterra ratings of 4.5 stars as of 2025.
Centime, Inc. firmographics
Firmographics- Name
- Centime, Inc.
- Legal name
- Centime, Inc.
- Website
- https://centime.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Centime, Inc. is a Boston-based SaaS company offering an all-in-one finance automation suite (AP, AR, expense management, embedded banking) for mid-market businesses, integrated bi-directionally with major ERPs and leveraging AI for OCR, coding, fraud detection, and collections.
- Ownership category
- akta.pro rank
Centime, Inc. industry classification
Industry- Product category
- Financial Automation Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (522210), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Accounts Payable Automation & Supplier Payments (FSAGAJAD)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Expense Management & Employee Reimbursements (FSAGAJAE), Corporate Cards & Spend Controls (FSAGAJAF), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Centime, Inc. is headquartered
LocationHeadquarters
- HQ city
- Boston
- HQ country
- United States
- HQ region
- North America
Markets served
Centime, Inc. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- AP Automation Subscription: Subscription-based SaaS pricing for accounts payable automation. Example: 900 invoices/year at $4,500 annual subscription cost, effectively offset by interest earnings on AP float. The company promotes AP as a profit center that can generate enough interest to cover subscription costs.
- AR Automation Subscription: Subscription-based SaaS pricing for accounts receivable automation, sold as part of the unified Finance Automation Suite or as individual modules.
- Expense Management: Expense management powered by Fyle, offered as part of the integrated suite. Free for Centime Card users (subject to credit approval and minimum spend requirements), monetized through the broader platform subscription.
- Business Banking (FNBO Partnership): Banking products provided by FNBO. While Centime is a financial technology company (not a bank), revenue may flow through interest differentials and credit products (Centime Credit Card, Working Capital Credit).
- Interest on AP Float: Interest earned on AP bank account balances. At 4.25% APY, businesses can earn interest on idle AP funds (e.g., $300K balance earns $12,750/year), transforming AP from a cost center to a profit center.
- Virtual Card Rebates: Cash-back rebates earned on B2B virtual card payments processed through the Centime Credit Card, delivering cost savings and financial incentives for supplier payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | AP Automation — Subscription (volume-based example) |
| Subscription | Monthly | Expense Management — Included with Centime Card |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Centime, Inc. product offering
Product offeringCore offering
Centime sells a unified, cloud-based Finance Automation Suite for mid-market businesses that combines AI-powered Accounts Payable (AP) Automation, Accounts Receivable (AR) Automation, Expense Management, and Business Banking into one platform embedded bi-directionally inside major ERPs (NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365). The platform automates invoice capture and coding, approval workflows, 3-way PO matching, collection campaigns, cash flow forecasting, mobile expense management, virtual B2B card payments, interest-bearing AP accounts, and working capital credit.
Product overview
Centime offers an all-in-one Finance Automation Suite for mid-market businesses, combining Accounts Payable (AP) Automation, Accounts Receivable (AR) Automation, Expense Management (powered by Fyle), and Business Banking (in partnership with FNBO) into a unified platform. The core products work together to automate the invoice-to-payment workflow: AP Automation handles invoice capture via AI-powered OCR, PO matching, approval workflows, and payment processing including virtual cards; AR Automation manages invoice delivery, AI-driven collection workflows, collection campaigns, and customer payments via the Customer Portal; Expense Management provides mobile-first expense tracking with automated approvals; and Business Banking offers high-yield checking, FDIC-insured cash sweep, and working capital credit. All modules integrate bidirectionally with NetSuite, Sage Intacct, QuickBooks, and Microsoft Dynamics 365, and share a unified dashboard for real-time cash visibility and 13-week cash flow forecasting.
Differentiator
Problem solved
Functional benefit
Brands
- Centime Credit Card: Virtual credit card solution for B2B payments that enables finance teams to streamline supplier payments and earn cash-back rebates.
- Centime Customer Portal
- Centime Supplier Portal
Products and services
- Accounts Payable (AP) Automation AI-powered AP automation that streamlines the entire payables workflow from invoice capture (via AI OCR) and rapid coding, through approval workflows, 3-way PO matching, supplier portal interaction, and payment processing, including virtual card rebates. Targeted at finance teams at mid-market businesses using NetSuite, Sage Intacct, QuickBooks, or Microsoft Dynamics 365.
- Accounts Receivable (AR) Automation AI-driven AR automation that puts receivables on autopilot with automated invoice delivery, AI collection workflows and campaigns, customer portal electronic payments, surcharge management, and lockbox services. Designed to reduce DSO and improve cash predictability for mid-market finance teams.
- Business Banking Modern business banking solutions for mid-market businesses including high-yield checking, Insured Cash Sweep (ICS) for FDIC coverage diversification, account aggregation, cross-bank transfers, fraud protection, and working capital credit. Provided by FNBO, Member FDIC, and distributed through Centime's platform.
- Expense Management Mobile-friendly expense management offering automated expense tracking, automated approval workflows, comprehensive corporate card integration, and seamless accounting/ERP integration. Free for Centime Credit Card users subject to credit approval and minimum spend, and available as a paid module otherwise. Targeted at mid-market finance teams.
Quantifiable outcome
- Up to 72% reduction in cost-per-invoice
- +6 more outcomes
Companies that use Centime, Inc.
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles1 record
Centime, Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability6 records
Feature10 records
Centime, Inc. partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- FinditycoreFindity, a Swedish provider of embedded expense management, established its first U.S. embedded partnership with Centime in April 2026. Centime integrates a fully branded expense management product into its platform, powered by Findity's AI-powered, card-agnostic expense platform that has been localized for U.S. feature requirements and tax regulations. This marks Findity's official entry into the U.S. market.
- FNBO (First National Bank of Omaha)coreFNBO provides all banking products and solutions offered through Centime, including high-yield checking accounts, Insured Cash Sweep (ICS) for FDIC coverage diversification, fraud protection, and working capital credit products. Centime is a financial technology company, not a bank, and all banking products are provided by FNBO, Member FDIC.
- FylecoreCentime's expense management solution is powered by Fyle, a mobile-first expense management platform. The integration enables automated expense tracking, approval workflows, real-time spend visibility, and compatibility with any corporate card program, all embedded within Centime's finance automation suite.
- Oracle NetSuitecoreCentime is fully embedded in Oracle NetSuite, providing pre-built, bi-directional AP and AR integrations. Customers can access Centime's finance automation directly within their NetSuite environment.
- Sage IntacctcoreCentime is fully embedded in Sage Intacct, providing pre-built, bi-directional AP and AR integrations. Customers can access Centime's finance automation directly within their Sage Intacct environment.
- Intuit QuickBookscoreCentime is fully embedded in Intuit QuickBooks, providing pre-built, bi-directional AP and AR integrations. Customers can access Centime's finance automation directly within their QuickBooks environment.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
Centime, Inc. competitors and assessment
Company assessmentDirect peers
- Bill.com: Bill.com is a leading AP/AR automation and B2B payments platform serving SMB and mid-market finance teams. It is Centime's most direct competitor, competing head-to-head for the same mid-market CFO buyer and is explicitly referenced in Centime's customer switching testimonials (e.g., Synergy HomeCare saved 20 hours/week after switching from Bill.com).
- Ramp: Ramp is a B2B finance platform combining corporate cards, bill payments, AP automation, and expense management with a product-led growth motion. It competes with Centime for the mid-market CFO buyer and has rapidly expanded into AR, forecasting, and treasury adjacent to Centime's footprint.
- Tipalti: Tipalti is a payables automation platform covering supplier onboarding, invoice management, global payments, and reconciliation for mid-market and enterprise. It is a direct competitor in the AP automation segment, particularly for companies with complex supplier and cross-border payment needs.
- Rho: Rho is a business banking and spend management platform offering high-yield checking, corporate cards, AP automation, and treasury tools for mid-market companies. It is a close peer in the embedded-banking-plus-AP-automation positioning Centime is pursuing via FNBO.
- Melio: Melio is a B2B payments platform serving SMBs and mid-market businesses with bill payment, AP automation, and virtual card capabilities. It is comparable to Centime on the AP automation and bill-pay side, particularly for businesses using QuickBooks.
- Brex: Brex offers corporate cards, bill pay, expense management, and treasury for startups and mid-market companies. It overlaps with Centime's expense, virtual card, and AP modules and competes for the same CFO/finance-leader buyer, especially in tech-enabled and venture-backed mid-market accounts.
- AvidXchange: AvidXchange (acquired MineralTree) provides AP automation and B2B payments focused on the mid-market. It is a direct peer in core AP automation, invoice-to-pay workflows, and ERP-integrated supplier payments, often going head-to-head with Centime in mid-market finance evaluations.
- Airbase: Airbase is a spend management platform unifying AP automation, corporate cards, and expense management for mid-market companies. It competes with Centime on the all-in-one finance platform thesis and shares a similar focus on ERP-embedded workflows and virtual card adoption.
Broad incumbents
- HighRadius: HighRadius is an enterprise-focused Order-to-Cash, Treasury, and AP automation platform. It overlaps with Centime's AR automation, cash flow forecasting, and AP modules, but is positioned upmarket and competes in larger mid-market and enterprise deals.
- Mercury: Mercury is a digital business banking platform with a broader focus across startup and SMB banking, bill pay, and treasury. It is a broader incumbent in embedded business banking, overlapping with Centime's banking-anchored cash management offering, though Mercury does not focus on the same AP/AR automation depth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Centime, Inc. social profiles
Digital presenceCentime, Inc. compliance and trust
Trust signalCompliance1 record
Centime, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Centime, Inc. leadership team
Management profileNumber of profiles
Profiles1 record
Centime, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Centime, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Centime, Inc.
What does Centime, Inc. do?
Centime sells a unified, cloud-based Finance Automation Suite for mid-market businesses that combines AI-powered Accounts Payable (AP) Automation, Accounts Receivable (AR) Automation, Expense Management, and Business Banking into one platform embedded bi-directionally inside major ERPs (NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365). The platform automates invoice capture and coding, approval workflows, 3-way PO matching, collection campaigns, cash flow forecasting, mobile expense management, virtual B2B card payments, interest-bearing AP accounts, and working capital credit.
Is Centime, Inc. a public or private company?
Centime, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Centime, Inc. founded?
Centime, Inc. was founded in 2020. It employs 51 to 100 people.
Where is Centime, Inc. based?
Centime, Inc. is headquartered in Boston, United States, in the North America region.
How does Centime, Inc. make money?
Six revenue lines are on record. AP Automation Subscription is the primary driver. The others are AR Automation Subscription, expense Management, business Banking (FNBO Partnership), interest on AP Float and virtual Card Rebates.
Who are Centime, Inc.'s main competitors?
Direct peers on record are Bill.com, Ramp, Tipalti, Rho, Melio, Brex, AvidXchange and Airbase. Broad incumbents are HighRadius and Mercury.
Does Centime, Inc. have an API?
No public API is recorded for Centime, Inc..
What industry is Centime, Inc. in?
Centime, Inc.'s product category is Financial Automation Software. Its primary akta.pro industry code is FSAGAJAD, Accounts Payable Automation & Supplier Payments, with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 52232 and its SIC code is 6199.