vs
Mid-market
✓ Vetted by Audit Friendly
Side-by-side comparison

Centime vs MineralTree

Centime leads on AI and agent readiness and support. MineralTree leads on scalability and payments & money movement.

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Centime
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MineralTree
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AF score
70
vs
72
Agent readiness
1
vs
1
In market since
2021
vs
2010
Best fit
Centime
US mid-market AP and AR teams
MineralTree
Sage Intacct and NetSuite AP teams

The verdict

70

Centime

AF score 70 / 100 · Leads on 5 of 8
Choose it if
  • A US mid-market team on NetSuite, Sage Intacct or Business Central that wants AP
  • 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
Visit Centime site

~$6.6k/yr median contract (Vendr) Read our full Centime review

72

MineralTree

AF score 72 / 100 · Leads on 2 of 8
Higher score, +2
Choose it if
  • A Sage Intacct finance team that wants to pay suppliers by ACH
  • A US mid-market AP team on NetSuite, QuickBooks or Dynamics GP still mailing many checks
  • A company on an on-premise or niche ERP such as Sage 50, Sage 100 or Acumatica
Visit MineralTree site

~$18.9k/yr median, n=17 (Vendr) Read our full MineralTree review

Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.

At a glance

FactCentimeMineralTree
Best fitUS mid-market AP and AR teamsSage Intacct and NetSuite AP teams
Price~$6.6k/yr median contract (Vendr)~$18.9k/yr median, n=17 (Vendr)
Pricing modelQuote only: annual subscription by invoice volumeQuote only: setup, annual platform and usage fees
ImplementationLowMedium
Time to go live7 to 21 business days (vendor)About 4 weeks (vendor)
Agent readiness1 / 51 / 5
AF score70 / 100✓ 72 / 100

✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.

AF scores by dimension

Centime leads on
AI and agent readiness
45
26
+19
Pricing transparency
50
34
+16
Support
78
70
+8
GL and ERP fit
84
76
+8
Implementation
80
78
+2
MineralTree leads on
Payments & money movement
76
82
+6
Scalability
62
64
+2
Even
Compliance depth
74
74
Even

Each dimension is scored 0 to 100 in the full reviews. The chip shows the leader's margin.

What each costs

Centime

~$6.6k/yr median contract (Vendr)

Quote only: annual subscription by invoice volume

MineralTree

~$18.9k/yr median, n=17 (Vendr)

Quote only: setup, annual platform and usage fees

Compare plans on their own sitesNeither vendor pays us. Both buttons go to the vendor's own site.
Centime~$6.6k/yr median contract (Vendr)Visit Centime site
MineralTree~$18.9k/yr median, n=17 (Vendr)Visit MineralTree site

Where each falls short

Centime is a weak fit for

  • Teams on Xero, SAP, Acumatica or Dynamics GP
  • Buyers who want AI agents or their own code to run AP through a documented API or MCP server
  • Companies that need 1099 e-filing built

MineralTree is a weak fit for

  • Teams that want AI agents, an API or an MCP server to drive AP from their own tools
  • Companies that want W-9 collection and 1099 filing inside the AP tool
  • Businesses paying many foreign suppliers under dual control

Centime vs MineralTree: common questions

Which scores higher, Centime or MineralTree?

MineralTree, 72 to 70 on our 100-point rubric.

How much do Centime and MineralTree cost?

Centime: ~$6.6k/yr median contract (Vendr). MineralTree: ~$18.9k/yr median, n=17 (Vendr).

How long does each take to go live?

Centime: 7 to 21 business days (vendor). MineralTree: About 4 weeks (vendor).

Which works better with AI agents?

Centime rates 1 and MineralTree rates 1 out of 5 on our agent-readiness test.

Decided?Or ask us about your setup below.
Centime~$6.6k/yr median contract (Vendr)Visit Centime site
MineralTree~$18.9k/yr median, n=17 (Vendr)Visit MineralTree site

Keep exploring

TipaltiGlobal mid-market AP and payoutsAF 82StampliUS mid-market AP on complex ERPsAF 80EskerMulti-ERP enterprise AP teamsAF 78

Full reviews and related comparisons:Centime review (AF 70)MineralTree review (AF 72)AvidXchange vs MineralTreeBILL vs CentimeBILL vs MineralTree

Ask AF

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A straight answer from our research on both tools.

Sources

CentimeAF 70 · ~$6.6k/yr median contract (Vendr)Visit site
MineralTreeAF 72 · ~$18.9k/yr median, n=17 (Vendr)Visit site
Ask AF