CashOnTime

What CashOnTime does

CashOnTime is an AI-powered, cloud-based Invoice-to-Cash (I2C) platform developed and operated by DIMO Software, a French software company headquartered in Limonest, France. The platform unifies the full Order-to-Cash cycle into a single collaborative environment for finance departments, spanning credit risk management, debt collection, automated payment matching (lettering), dispute and deduction handling, customer portal interactions, online payment, receivables analytics, and AI-generated accounting entries. Its technology stack is built around proprietary machine learning models trained on the platform's own behavioral data — including NLP-based extraction of bank transfer advices, ML-driven auto-matching, predictive cash forecasting, and recommendation engines for collection prioritization — supported by deep native connectors to the major ERP systems (SAP, Sage, Microsoft Dynamics, Infor) and a broad ecosystem of credit information, credit insurance, and payment integrations.

The company sells exclusively to mid-sized and large enterprises (ETI and large groups) characterized by multi-site, multi-subsidiary, multi-ERP environments with complex I2C flows. Sales motion is enterprise field sales with quote-based pricing, custom deployments, and 1–3 month implementations. The platform processes 75 million invoices per year and 100,000 settlements daily, serving 600+ to 1,500+ companies and 15,000+ users across EMEA; named enterprise customers include Manpower, Bureau Veritas, Arval BNP Paribas, Chopard, Panzani, Loxam, COLAS, Securitas, Grant Thornton, and Gerflor. The revenue model is subscription SaaS, typically annual billing per module or enterprise-wide deployment, with no public pricing disclosed.

Revenue is not publicly disclosed and CashOnTime is operated within DIMO Software, a private French software publisher with no external investors identified in the source materials. The company demonstrates a self-funded, mature operating profile, with growth expressed through product breadth (a ten-module suite), partner ecosystem expansion (Stripe, Allianz Trade, Chorus Pro, Coface, Altares), and internationalization across French, English, and Spanish markets rather than through external capital or acquisitions.

Name

CashOnTime

Legal name

DIMO Software

Website

https://cashontime.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

CashOnTime is an AI-powered, cloud-based Invoice-to-Cash platform by DIMO Software that automates credit management, collections, payment matching, dispute resolution, and cash forecasting for mid-sized and large European enterprises with complex multi-entity I2C operations.

Ownership category

akta.pro rank

Product category

Accounts Receivable Automation / Invoice-to-Cash Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industry

Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)

Keywords

• Invoice-to-cash automation
• Accounts receivable software
• Order-to-cash platform
• Cash collection software
• AI invoicing platform

Headquarters

HQ city

Montreal

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. SaaS Subscription: Cloud-based SaaS platform with subscription licensing model. The solution is sold as an annual or multi-year subscription, typically per module or enterprise-wide deployment. No upfront infrastructure costs required due to SaaS delivery.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

CashOnTime is an AI-powered Invoice-to-Cash (I2C) cloud platform that automates the end-to-end order-to-cash process — invoicing, collections, dunning, cash application, and dispute management — for finance departments of mid-size and large enterprises with complex, multi-country receivables operations. It is delivered as a SaaS solution with native integrations to ERP systems, banks, and credit-insurance providers.

Product overview

CashOnTime is a modular, AI-powered Invoice-to-Cash (I2C) cloud platform built by DIMO Software for finance departments of mid-sized companies and large groups. The platform is organized around a core engine complemented by functional modules: CashOnTime Allocation handles automated payment matching and lettering; CashOnTime Collection manages debt recovery and dunning; the Customer Credit Risk module provides AI-driven scoring and credit limit management; Dispute and Deduction Management centralizes and resolves client deductions; the Customer Portal and Online Payment modules streamline client-facing interactions; Accounts Receivable Management delivers real-time KPI dashboards; Collaborative Management facilitates cross-team coordination; and the Accounting Interpreter generates accounting entries automatically. All modules share a unified data layer and integrate with major ERP systems, credit insurers, and payment providers.

Differentiator

Problem solved

Functional benefit

Products and services

• CashOnTime AI-powered Invoice-to-Cash (I2C) cloud platform that automates invoicing, collections, dunning, cash application, and dispute management for finance departments of mid-size and large enterprises with complex, multi-country receivables operations.

Quantifiable outcome

• DSO reduction of 20+ days
• +5 more outcomes

Named customers32 records

Segments14 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability7 records

Feature9 records

Partnerships

16 partnerships are on record, tiered core, major, supporting and minor.

• SAPcoreTechnology or IntegrationStrategic ERP integration partner. CashOnTime connects with SAP ERP systems for seamless data exchange. Deep integration with SAP Hana mentioned in customer case studies. Enables automatic lettering, collection data sync, and consolidated reporting across SAP environments.
• SagecoreTechnology or IntegrationERP integration partner. CashOnTime integrates with Sage accounting software for automatic payment matching and collection management.
• Microsoft DynamicscoreTechnology or IntegrationERP integration partner. CashOnTime connects with Microsoft Dynamics 365 for integrated I2C automation and reporting.
• InforcoreTechnology or IntegrationERP integration partner enabling CashOnTime connectivity with Infor ERP customers.
• StripecoreTechnology or IntegrationOnline payment processing integration. DIMO Software partnered with Stripe to offer secure online payment via CashOnTime portal, enabling customers to pay invoices instantly through the platform.
• Chorus PromajorTechnology or IntegrationFrench government e-invoicing portal integration. CashOnTime connector searches and integrates Chorus Pro invoice status into reminders, identifying credits awaiting payment and enabling direct collection actions from CashOnTime.
• Allianz TradecoreTechnology or IntegrationCredit insurance connector with bi-directional data flow. CashOnTime reinforced its Allianz Trade connector with risk assessment integration. Enables automated credit limit management based on insurance data.
• CofacecoreTechnology or IntegrationCredit insurance provider integration. CashOnTime connects with Coface for customer credit risk information and insurance data.
• AltaressupportingTechnology or IntegrationFinancial information provider. Integrates company credit data and financial health information for risk assessment.
• CreditsafesupportingTechnology or IntegrationCredit bureau integration providing company credit reports and risk scores.
• EllisphèresupportingTechnology or IntegrationFrench financial information provider for company risk assessment.
• InfolegalesupportingTechnology or IntegrationLegal and financial information service for company risk monitoring.
• AR24supportingTechnology or IntegrationCertified electronic registered mail service. ERE AR24 connector enables management of certified mail directly from CashOnTime for optimal collection communication.
• MailevasupportingTechnology or IntegrationCorrespondence and document management service. Integration enables automated physical mailings and document processing.
• GroupamasupportingTechnology or IntegrationInsurance partner providing credit and risk coverage integration.
• Lebel TechnologiesminorStrategic or Co-development PartnerStrategic partnership announced for joint development and market expansion, particularly in specific geographic or vertical markets.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Microsoft Dynamics 365 Finance: Microsoft Dynamics 365 Finance includes accounts receivable, collections management, and cash flow forecasting capabilities that compete with CashOnTime's modules. As a broad incumbent within the ERP ecosystem that CashOnTime integrates with, Dynamics represents a key channel partner and competitive threat.
• SAP: SAP offers collections management and dispute resolution capabilities within its S/4HANA Finance suite and is itself a key integration partner for CashOnTime. As a broad incumbent, SAP's native AR capabilities compete with and complement CashOnTime, and any deepening of native I2C features represents a strategic threat.
• Sage: Sage provides accounting and ERP software to SMB and mid-market customers, with native AR capabilities that overlap CashOnTime's modules. As both an integration partner and a broad incumbent competitor, Sage represents both distribution opportunity and competitive threat.
• Oracle (NetSuite & ERP Cloud): Oracle offers receivables management, collections, and cash management within its ERP Cloud and NetSuite suites. As a broad incumbent, Oracle competes with CashOnTime in the enterprise AR automation space and is increasingly embedding AI-driven capabilities into its finance modules.

Direct peers

• Sidetrade: Sidetrade is a French-headquartered listed SaaS company providing AI-driven Order-to-Cash automation including collections, cash forecasting, and customer credit risk management. It is the most direct European comparable to CashOnTime in product scope and target buyer (CFO/finance teams of mid-large enterprises).
• Versapay: Versapay provides AR automation and a collaborative customer portal for B2B payments, collections, and cash application. Its product overlap with CashOnTime's Customer Portal, Online Payment, and automated dunning modules makes it a direct competitor in the North American enterprise segment.
• YayPay (Finastra): YayPay, now part of Finastra, provides AI-powered accounts receivable automation including collections workflow and cash forecasting for mid-market and enterprise finance teams. It is a direct competitor in AR collections and cash flow prediction, with Finastra distribution providing broader reach than CashOnTime.
• HighRadius: HighRadius is a leading AI-powered Order-to-Cash / Invoice-to-Cash platform with deep ERP integrations, autonomous collections, electronic invoicing, and cash forecasting modules. It is the closest direct competitor to CashOnTime across mid-market and enterprise finance teams globally, though HighRadius is significantly larger in scale and US-centric.
• Billtrust (Bottomline Technologies): Billtrust, now part of Bottomline, offers AR automation, electronic invoicing, and B2B payments software aimed at mid-market and enterprise finance departments. It is a direct competitor in the AR automation and payment matching space, with broader payments ecosystem positioning than CashOnTime.

Emerging players

• CollectAI: CollectAI offers AI-driven digital collections and payment solutions, primarily focused on automated dunning and digital invoicing. It is an emerging player with partial overlap to CashOnTime's Collection and Online Payment modules, though typically serving a different segment (often more SMB/recurring billing).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@CashOnTime
• LinkedInlinkedin.com/company/cashontime
• Xx.com/CashOnTime

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CashOnTime