ApideckTapeMonthly recapMap
← Embedded Finance Index 2026/Vendor

centime

Provider
Accounts ReceivableTreasury Management

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.

centime.com ↗Also analysed as a company — its own stack →
CategoriesAccounts Receivable, Treasury Management
Rank#2 of 8 in Accounts Receivable
Buyers3 companies
HeadquartersBoston, Massachusetts, United States
Founded2021

Claim this profile. Work at centime? Verify your work email to unlock the full buyer list.

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
3 companies disclose centime in their stack
Download “Built on centime” image ↓
EvolizAlanM&T Bank
Buyer mix · 3 of 3 classified
Bank / National · 1Fintech / Insurtech · 1Horizontal SaaS / Accounting · 1
EU · 2US · 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 is not published on this page. Get the monthly recap for new centime customers as they are disclosed. Represent centime? Claim this profile above to unlock your own full list.
Where centime’s buyers are
2 countries with a disclosed buyer HQ
3 classified buyers, shaded by concentration — heaviest in 🇫🇷 France (2). HQ country, not where centime operates.
Fewer
MoreNo disclosed HQ
🇫🇷 France · 2🇺🇸 United States · 1
New centime customers land in the monthly recap.
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 →Balance1 buyer →GoCardless1 buyer →Invoiced1 buyer →Koverly1 buyer →Kriya1 buyer →
Share this rank

An embeddable badge for centime’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #2 of 8 in Accounts Receivable — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/centime?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/centime.svg"
       alt="Ranked #2 of 8 in Accounts Receivable — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/centime/install" width="1" height="1" alt="" style="display:none">

centime — frequently asked

Which companies use centime?

3 companies are linked to centime in the Embedded Finance Index 2026, through their own public disclosures or centime's published customer list, including Evoliz, Alan and M&T Bank.

What does centime do?

centime is an embedded-finance provider in Accounts Receivable and Treasury Management. It ranks #2 of 8 Accounts Receivable providers by linked companies.

What are the alternatives to centime?

The most-named Accounts Receivable alternatives to centime are Dolfin (6 buyers), Waystar (2 buyers), Balance (1 buyer), GoCardless (1 buyer), Invoiced (1 buyer) and Koverly (1 buyer).

Where is centime headquartered?

centime is founded in 2021 and headquartered in Boston, Massachusetts, United States.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against centime and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to centime and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.