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centime

Provider
Accounts ReceivableTreasury Management

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.

centime.com ↗Also analysed as a company — its own stack →
CategoriesAccounts Receivable, Treasury Management
Rank#3 of 4 in Accounts Receivable
Buyers2 companies
HeadquartersBoston, Massachusetts, United States
Founded2021
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Founders & story · from centime’s own dossier

Founded in 2021 as a cash management and AP/AR automation tool for SMBs, Centime progressively embedded more financial products directly into the ERP workflows its customers already use. Beginning in 2024 it launched banking (via FNBO) and credit products, moving from a pure workflow-automation play toward a financial operating system for mid-market businesses. The addition of Fyle-powered expense management and B2B merchant processing in 2024–2025 completed a suite that now competes on breadth — AP, AR, expense, banking, and working capital — all inside NetSuite, Sage Intacct, and QuickBooks.

Recent developments
  • 2024-03Launched Centime Banking (Centime Checking Plus) high-yield business checking account at 2.25% APY, powered by FNBO as bank partner and strategic investor. source ↗
  • 2026-04Centime participated in NACHA conference in San Diego (April 26–29, 2026), indicating continued focus on ACH payment automation. source ↗
Full dossier: centime’s own stack, layer by layer →
Who uses centime
2 companies disclose centime in their stack
AlanM&T Bank
Buyer mix · 2 of 2 classified
Bank / National · 1Fintech / Insurtech · 1
EU · 1US · 1
What the disclosures say
M&T Bank
“M&T AP Automation page names Centime as the cash management suite partner integrated within customer ERPs.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent centime? Claim this profile above to unlock your own full list.
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What centime runs on · from its own dossier
The third-party providers centime itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose centime.
PSP
PayrixFNBO
Sponsor Bank
First National Bank of Omaha
BaaS
First National Bank of Omaha
Lending
First National Bank of Omaha
Spend / AP
Fyle
Full dossier with evidence for each layer →
Alternatives to centime

Other Accounts Receivable providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Dolfin6 buyers →Waystar2 buyers →Koverly1 buyer →
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Ranked #3 of 4 in Accounts Receivable — Embedded Finance Index 2026
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