Centime Alternative for Collections Follow-Up (2026)
Looking at Centime for AR automation? Compare it with Abivo, an AI agent that calls, texts and emails customers about overdue invoices.
Sia Ghazvinian
Co-Founder & CEO
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Disclosure: Abivo is our product. Facts about Centime come from its own website as of October 2026.
The short answer: Centime is a finance platform for mid-market teams that bundles AR automation with accounts payable, cash flow forecasting and banking. If what you need most is someone to work the overdue list every day, Abivo is built for that one job: its AI agent, Kate, calls, texts and emails customers about overdue invoices in your brand and hands disputes to your team. Many teams keep their ERP and payment setup and add Abivo for the follow-up.
Centime vs Abivo at a glance
Centime | Abivo | |
|---|---|---|
What it is (vendor stated) | Finance platform: AR automation, AP, cash flow forecasting, expense management, banking and treasury | AI collections agent focused on overdue-invoice follow-up |
Collections outreach | Collections workflows for reminders, follow-ups and escalations; AI-powered collections workflows | Kate calls, texts and emails customers about overdue invoices |
Payments | Branded customer payment portal (ACH, card, check) | Works alongside the payment setup you already have |
Cash application | Matching and reconciliation | Not the focus |
Accounting systems (vendor stated) | Embeds in QuickBooks, NetSuite and Sage Intacct | Connects to QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics 365, SAP, Xero, Chargebee and CSV |
Best for | Mid-market teams that want one platform for AR, AP and cash | B2B teams whose collectors spend the week on routine follow-up |
What Centime does well
Centime's AR product covers the whole invoice-to-cash path for a mid-market finance team. According to its website, it delivers invoices by email or a customer portal, runs collections workflows with triggers by invoice, customer or aging bucket, offers a branded payment portal that accepts ACH, card or check, applies cash and reconciles payments, and shows receivables risk on a live dashboard. Because Centime also sells AP, forecasting and banking, it suits teams that want to consolidate several finance tools with one vendor.
Why teams look at Abivo instead (or next to it)
Most AR platforms automate the reminder email. The work that still eats a collector's week is the follow-up conversation: calling the customer, finding out why the invoice is stuck, getting a date, and chasing again when the date slips.
What Abivo does: Kate, Abivo's AI agent, follows up on overdue invoices by phone, text and email, in your company's brand. She names the invoice details your customer recognizes (job, site, PO or billing period), can cover all open invoices on an account in one message, and captures promises to pay, disputes and next steps from each conversation. Disputes, refusals and "speak to a person" requests go to your team, and your team can pause Kate or take over any customer whenever they choose. Every conversation is in an audit trail.
Proof: OFS Group, a fire protection company, went from four collectors on the phones to one while recovering $842,518 in four months and cutting DSO by more than 30 days. Read the OFS Group case study.
Worth knowing: Abivo does not replace your accounting system, payment portal or AP tools. If you want one platform for AR, AP and treasury, Centime is designed for that; if the gap is follow-up capacity, Abivo is.
How to choose
Name the bottleneck. If invoices go out late or payments are hard to match, look at invoicing and cash application (Centime covers both). If invoices go out fine but customers do not pay until someone calls, look at follow-up (Abivo's focus).
Check your accounting system. Centime's page lists QuickBooks, NetSuite and Sage Intacct for AR. Abivo connects to those plus Microsoft Dynamics 365, SAP, Xero, Chargebee and CSV.
Decide how many vendors you want. A suite means fewer vendors; a focused agent means you keep the tools you already run.
Pilot on real accounts. Export your AR aging report (QuickBooks, NetSuite, Sage Intacct), pick a slice of overdue customers, and compare promises to pay and cash collected against your current process.
FAQ
Is Abivo a direct replacement for Centime? Not for every team. Centime is a broader finance platform. Abivo is focused on the collections follow-up conversation and works alongside your accounting system and payment setup.
Does Abivo make phone calls to customers? Yes. Kate calls, texts and emails customers about overdue invoices, captures promises to pay and disputes, and hands disputes and "speak to a person" requests to your team.
Can I use Abivo with QuickBooks, NetSuite or Sage Intacct? Yes. Abivo connects to QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics 365, SAP, Xero, Chargebee and CSV. See best AR automation software for QuickBooks, for NetSuite and for Sage Intacct.
Will an AI agent upset my customers? Kate follows up in your brand and within the rules you set, and anything sensitive goes to your team. Read will AI collections calls hurt customer relationships.
Ready to see Kate work your overdue accounts? Get started with Abivo.
