Billtrust
Billtrust provides an automated accounts receivable platform that helps you accelerate cash flow by streamlining invoicing, payments, and collections through a unified cloud-based solution.
Centime
Centime is a comprehensive cash management platform that helps small to mid-sized businesses automate accounts receivable, accounts payable, and rolling cash flow forecasting in one place.
Quick Comparison
| Feature | Billtrust | Centime |
|---|---|---|
| Website | billtrust.com | centime.com |
| Pricing Model | Custom | Subscription |
| Starting Price | Custom Pricing | $99/month |
| FREE Trial | ✘ No free trial | ✓ 14 days free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2001 | 2017 |
| Headquarters | Lawrenceville, USA | Boston, USA |
Overview
Billtrust
Billtrust is a comprehensive accounts receivable automation platform designed to help you get paid faster while reducing manual workloads. You can manage the entire order-to-cash cycle in one place, from initial credit applications and electronic invoicing to payment processing and cash application. By automating these repetitive financial tasks, you minimize human error and provide your customers with a modern, digital payment experience that fits their preferred workflows.
The platform is built for mid-market and enterprise organizations that handle high volumes of transactions across various industries like manufacturing, distribution, and transportation. You can integrate it directly with your existing ERP system to ensure data stays synchronized across your financial stack. Whether you need to automate collections outreach or simplify complex multi-channel invoicing, the software provides the tools to optimize your working capital and improve operational efficiency.
Centime
Centime is a unified cash management platform designed to give you total control over your business finances. Instead of jumping between spreadsheets and bank portals, you can manage your entire cash lifecycle—from payables and receivables to real-time forecasting—within a single interface that syncs directly with your ERP. It helps you eliminate manual data entry and provides a clear picture of your future liquidity.
You can automate your collections process with branded reminders and simplify your bill payments using flexible funding options. The platform is specifically built for mid-market companies that have outgrown basic accounting tools but aren't ready for complex enterprise systems. By consolidating your financial operations, you can reduce late payments, optimize your working capital, and make faster, data-driven decisions for your business growth.
Overview
Billtrust Features
- Electronic Invoicing Deliver invoices through your customers' preferred channels, including email, AP portals, and digital lockboxes to ensure faster delivery.
- Business Payments Portal Give your customers a branded self-service portal where they can view balances, download invoices, and make secure payments easily.
- Automated Cash Application Match incoming payments to open invoices automatically using AI-powered matching logic, even when remittance data is messy or missing.
- Collections Management Prioritize your outreach with automated workflows and risk-based scoring so you focus on the accounts that impact cash flow most.
- Credit Automation Onboard new customers faster with digital credit applications and automated credit scoring to make informed lending decisions in minutes.
- Payment Processing Accept credit cards, ACH, and wire transfers securely while benefiting from lower processing costs through optimized Level 2 and 3 data.
Centime Features
- Cash Flow Forecasting. Generate accurate, rolling cash flow forecasts automatically by pulling real-time data from your GL and bank accounts.
- AR Automation. Speed up your collections with automated, branded email reminders and a self-service payment portal for your customers.
- AP Management. Streamline your entire bill pay process from invoice capture to electronic payment while maintaining strict approval workflows.
- Multi-Entity Consolidation. View and manage cash across multiple subsidiaries or business units in one consolidated dashboard without manual exports.
- Credit Risk Monitoring. Monitor the credit health of your customers in real-time to identify potential payment risks before they impact your cash.
- KPI Dashboards. Track critical metrics like Days Sales Outstanding (DSO) and Days Payable Outstanding (DPO) with visual, interactive reporting.
Pricing Comparison
Billtrust Pricing
Centime Pricing
- Cash flow forecasting
- GL and bank integration
- Standard AR/AP automation
- Basic KPI reporting
- Email support
- Single entity support
- Everything in Standard, plus:
- Multi-entity consolidation
- Advanced credit risk monitoring
- Custom approval workflows
- Priority customer success manager
- API access
Pros & Cons
Billtrust
Pros
- Significantly reduces manual data entry for cash application
- User-friendly payment portal improves the customer experience
- Strong integration capabilities with major ERP systems
- Automated reminders help decrease Days Sales Outstanding
Cons
- Initial implementation process can be time-intensive
- Reporting tools may require a learning curve
- Occasional delays in customer support response times
Centime
Pros
- Seamless integration with popular ERPs like NetSuite and QuickBooks
- Intuitive dashboard provides instant visibility into future cash positions
- Automated collection reminders significantly reduce manual follow-up time
- Consolidates multiple bank accounts into a single unified view
Cons
- Initial setup and mapping can take time for complex GLs
- Pricing is not transparently listed on the website
- Mobile experience is less robust than the desktop platform