Centime vs. Tipalti: One Moves Fast. The Other Gets in Your Way.
Tipalti makes you wait — for payments, syncing, and support.
Centime connects instantly and moves at your speed.
5 Reasons Tipalti Users Make the Switch
Centime connects natively to NetSuite, Sage Intacct, and QuickBooks — live on day one, no brittle sync layer required.
Tipalti bolts onto your ERP with third-party tools that break under pressure. Customers report failed go-lives due to integration issues.
Learn more about Centime AP for NetSuite and Centime AP for Sage Intacct.
Tipalti bolts onto your ERP with third-party tools that break under pressure. Customers report failed go-lives due to integration issues.
Learn more about Centime AP for NetSuite and Centime AP for Sage Intacct.
Centime gets customers live in 7–21 days. We don’t penalize your team for needing time. We partner to make it work.
Tipalti has a 60–90 day rollout — and will charge you penalty fees if you miss go-live dates. Even if they’re the reason.
Explore our onboarding process and what to expect in your first 21 days.
Tipalti has a 60–90 day rollout — and will charge you penalty fees if you miss go-live dates. Even if they’re the reason.
Explore our onboarding process and what to expect in your first 21 days.
Centime pulls funds directly from your bank account. No pre-funding. No unnecessary float.
Tipalti requires you to preload funds into their system — then takes up to 6 days to move money to your vendors.
See how Centime accelerates payment processing.
Tipalti requires you to preload funds into their system — then takes up to 6 days to move money to your vendors.
See how Centime accelerates payment processing.
Centime merges AP and PO in a single interface, with 2- and 3-way matching built in — no context switching required.
Tipalti separates AP and PO. That means multiple logins, punch-outs, and disjointed workflows.
Take the Centime PO matching challenge – show us your most complex PO.
Tipalti separates AP and PO. That means multiple logins, punch-outs, and disjointed workflows.
Take the Centime PO matching challenge – show us your most complex PO.
Centime gives you a full view of your working capital, including real-time cash flow forecasting, AR automation, and AP yield through interest or cashback.
Tipalti stops at invoice payment. No forecasting. No AR. No cash insight.
Discover how Centime connects AP, AR, and forecasting in one platform.
Tipalti stops at invoice payment. No forecasting. No AR. No cash insight.
Discover how Centime connects AP, AR, and forecasting in one platform.
When Speed, Sync, and Control Matter – Tipalti Falls Short
You bought Tipalti to automate payables. But you didn’t sign up for:
- A 3-month go-live that fines you for delays
- AP and PO tools that don’t talk to each other
- ACH payments that take 6 days to clear
- A UI built for someone else’s workflow — not yours
Centime was built to eliminate those friction points. Our system is embedded, flexible, and up and running in 21 days or less. No bolt-ons. No holding accounts. No blame games.
Head-to-Head: Centime and Tipalti Compared
Features
ERP Connection Type
Embedded in ERP (NetSuite, Intacct, QBO)
Relies on third-party connectors
Sync Reliability
Real-time, bidirectional sync
Sync failures and data gaps reported by users
Implementation Time
7–21 days average
2–3 months minimum
Onboarding Experience
No penalties, guided setup
Strict timelines, penalty fees for delays
AP + PO Experience
One module, embedded PO matching
Separate tools for AP and PO; “punch-out” experience
PO Matching
Native 2-way and 3-way matching
Requires separate procurement system
Payment Speed
Fast ACH and virtual payments
Delays due to required pre-funding
Payment Flow
Direct from your account
Funds held in Tipalti-controlled account
AP Yield
Earn 3.0% APY or cashback on AP spend
No interest or cashback options
Platform Scope
Unified AP, AR, forecasting, and banking
AP automation only
Cash Flow Visibility
Built-in forecasting and KPIs
Not available
What Centime Users Say
“We went from a manual AR/AP process to fully automated through Centime in very little time. We've cut the time of outstanding invoices down dramatically. The support team has also been very attentive to our needs.”
Industry
IT & Services
Employees
51-200
More Than AP: Built for the Entire Office of the CFO
Today’s finance teams are being asked to do more than process payments — they’re expected to drive strategy, optimize cash, and guide the business forward. But when AP, AR, and forecasting all live in disconnected tools, your team gets stuck reconciling platforms instead of driving outcomes.
Centime unifies your finance stack — payables, receivables, and cash forecasting — all embedded directly in your ERP.
One platform. One login. One place to control working capital in real time.
BILL’s AR: An Afterthought, Not a Solution
BILL markets itself as an AP & AR platform, but in reality, its AR solution is limited, disjointed, and lacks real automation.
The Complete AP & AR Solution
AI-powered AR automation – Invoicing, collections, and cash application fully automated.
Branded customer payment portal – Make it easier for customers to pay without extra logins.
Smart collection workflows – AI-driven reminders and escalations to speed up cash flow.
Full AP + AR + Cash Flow Forecasting – All in one place, giving you complete cash visibility.
Real-time ERP sync – Payments automatically update in NetSuite & Sage Intacct.
What BILL’s AR is missing:
No end-to-end automation – You still need to chase collections manually.
No real-time cash visibility – AR & AP live in separate silos, making cash flow planning difficult.
No smart collection workflows – Just basic email reminders, no AI-powered escalation logic.
No ERP-native AR processing – Payments don’t sync in real-time like they do with Centime.
No automated dispute tracking – Any invoice disputes must be managed manually.
AP
Automation
Automation
AR
Automation
Automation
Business
Banking
Banking
Expense
Management
Management
What Centime Users Say
“We switched from Bill.com and saved over 20 hours per week. We were impressed with how Centime's tailored approach overcame the unique challenges in our accounts payable setup.”
Industry
Commercial Real Estate
Employees
51-200
FAQs
How does Centime integrate with NetSuite or Sage Intacct differently than Tipalti?
Centime connects natively inside your ERP — no middleware, no bolt-on sync tools. That means faster setup, real-time data flow, and no duplication or sync errors. Tipalti requires third-party connectors that can break, delay approvals, or even prevent go-live altogether.
Why is Tipalti’s implementation so much slower?
Tipalti implementations typically take 2–3 months and include strict go-live dates (with penalties if you miss them). Centime customers are live in as little as 7–21 days, with flexible timelines and hands-on support to meet your team’s needs — not penalize them.
Can Centime handle complex PO matching?
Yes. Centime includes 2-way and 3-way PO matching directly inside the AP module — no punch-outs or switching tools required. You can process even the most complex purchase workflows in one streamlined system.
Does Centime offer AR automation and cash forecasting too?
Absolutely. Centime combines AP, AR, and real-time cash forecasting in a single platform. That means visibility into both sides of the ledger — what you owe and what you’re owed — plus predictive insights into future cash flow.
What happens to our current vendors and workflows if we switch?
Centime helps migrate your vendor data, approval workflows, and payment methods as part of the onboarding process. You won’t need to rebuild from scratch — we’ll map what you have today and get you up and running quickly.
Do I need to preload funds or use a holding account with Centime?
No. Unlike Tipalti, Centime never requires pre-funding or a holding account. We initiate payments directly from your business’s bank account, so you keep control of your cash until the moment it moves.
Can I use just AP with Centime, or do I have to adopt the whole platform?
You can start with AP only — and grow into AR and forecasting when you're ready. Centime is modular, so you can activate the features you need, when you need them.
Is Centime more secure than Tipalti?
Centime is SOC 2 Type II compliant, with bank-level security protocols, audit trails, and role-based permissions across all modules. Because our platform is embedded inside your ERP, we reduce data duplication and lower your risk exposure compared to third-party sync tools.
More Questions
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See Centime in action
Our innovative AR, AP and business banking solutions are powerful alone, and even better together.
Schedule a tailored demo with a Centime expert.
Schedule a tailored demo with a Centime expert.
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††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.