Centime vs Growfin vs Billtrust

Centime is an AI‑driven AR (and AP) automation software embedded into ERPs like NetSuite, Sage Intacct, QuickBooks, etc., designed for mid‑market teams who want to reduce manual work and improve cash collection.

It automates invoice delivery, reminders, escalations, customer payments, and reconciliation workflows.

The platform provides a branded payment portal for customers (accepting ACH, card, or check), streamlined cash application, aging dashboards, analytics, and features to make it easier for both finance teams and customers.

Growfin is an AI‑powered accounts receivable (AR) automation platform that helps finance teams transform their Order‑to‑Cash process by making collections, cash application, and forecasting more predictive, efficient, and collaborative. 

It uses Behavioral AI to adapt to customer payment behavior and signals, enabling companies to prioritize which accounts to collect first, send timely follow‑ups automatically, and reconcile payments with minimal manual effort. 

Growfin integrates with leading ERPs (especially NetSuite) and delivers a SuiteApp that meets Oracle NetSuite’s standards.

Billtrust is a financial‑technology provider focused on AI‑powered accounts receivable automation and order‑to‑cash process optimization. 

For over two decades, it has modernized AR by offering solutions that cover invoicing, payments processing, collections, cash application, credit management, and reconciliation.

Billtrust supports both suppliers and buyers, through its Business Payments Network, enabling digital invoice delivery, embedded payments, and many connectors to ERPs, payment providers, banks, and financial institutions.