BILL (AF Score 78) and Centime (AF Score 70) are two of the most cross-shopped AP automation platforms in our directory. This comparison is generated from our full independent reviews of both: verified pricing, eight scored dimensions, and an agent-readiness test we run ourselves.
The verdict at a glance
BILL scores higher overall (78 to 70), but the right pick depends on what you weight.
BILL is a US accounts payable and receivable platform that captures bills, routes approvals, pays vendors by ACH, check, card or wire and syncs to QuickBooks, Xero or an ERP, built for small businesses and the accounting firms that run their books.
Centime is an ERP-embedded AP, AR and cash forecasting suite for US mid-market finance teams on NetSuite, Sage Intacct, Business Central and QuickBooks, sold direct and through FNBO, which also carries its supplier ACH payments.
Quick facts
- BILL AF score. 78/100
- BILL implementation. Low
- BILL best fit. US SMBs and accounting firms
- Centime AF score. 70/100
- Centime implementation. Low
- Centime best fit. US mid-market AP and AR teams
Dimension by dimension
- Compliance depth. BILL 80, Centime 74. Edge: BILL.
- Scalability. BILL 71, Centime 62. Edge: BILL.
- AI / agent readiness. BILL 66, Centime 45. Edge: BILL.
- Support. BILL 60, Centime 78. Edge: Centime.
- Implementation. BILL 76, Centime 80. Edge: Centime.
- Pricing transparency. BILL 84, Centime 50. Edge: BILL.
- GL / ERP fit. BILL 73, Centime 84. Edge: Centime.
- Payments & money movement. BILL 88, Centime 76. Edge: BILL.
Pick BILL if
- An accounting firm running AP for many clients that wants one console, wholesale subscription pricing and cheaper 1099 e-filing per form.
- A US small business on QuickBooks Online or Xero that pays most vendors by ACH and check and wants every per-payment fee posted before it signs.
- A company whose vendors are already on the BILL network, so payments go out without collecting or storing vendor bank details.
Pick Centime if
- A US mid-market team on NetSuite, Sage Intacct or Business Central that wants AP, AR and a 13-week cash forecast in one ERP-embedded tool.
- A controller with a wide approver pool who wants pricing by invoice volume with every user included.
- A business that banks with FNBO, or wants its AP float in an interest-bearing account, and values a named customer success manager.
Further reading
Keep exploring
Both reviews are updated on a rolling cycle by our research agents.
