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CashFlow Central℠ By United
Discover an easier all-in-one way to manage cash flow for your small business.
cash flow management & accounts payable solution
now you can focus on your business, not your balances
Running a business demands your time, energy and focus, which is why we offer CashFlow Central℠ by United. This all-in-one cash flow management solution is designed to grow alongside your business, making it easier to streamline payment processes and operate more efficiently. By upgrading your traditional business checking account with a more powerful tool, CashFlow Central℠ by United saves you time on administrative tasks, allowing you to prioritize what matters most – your customers.
Starting in October 2026, CashFlow Central℠ by United will become United’s new bill payment and accounts payable solution for businesses, replacing our current business bill pay tool. Existing users will receive personalized support to ensure a seamless transition in the months ahead. All new enrollments for bill payment and accounts payable services will be completed through CashFlow Central℠ by United.
Note: At this time, United does not offer credit cards as a payment method.
benefits of CashFlow Central℠ by United
Take control of your payables and keep your business moving forward with these key features:
current plans and packages
- Monthly Cost: Free
- Allowed Transactions Per Month: Unlimited
- Users: Up to (2) users
- Instant/Expedited Fee: $10.00 per transaction
- Monthly Cost: $12.00
- Includes up to (3) users and two-way sync with Xero, NetSuite, QuickBooks® Desktop and Online
- Allowed Transactions Per Month: Unlimited
- Users: Up to (3) users included; additional users $2.50 each per month
- Instant/Expedited Fee: $10.00 per transaction
CashFlow Central℠ by United FAQs
CashFlow Central℠ by United is an accounts payable solution that helps businesses automate vendor payments, manage invoices, track payment activity, and reduce manual tasks. With payment automation, real-time tracking, and optional QuickBooks®, Xero, and NetSuite integrations, it helps save time and improve efficiency.
CashFlow Central℠ by United is available to United business members who want a simpler way to manage accounts payable. Whether you're a small business, nonprofit, or growing organization, CashFlow Central℠ by United can help you automate vendor payments, reduce manual work, and streamline your payment processes.
Currently, United offers two plans. The Essential plan is free and includes unlimited transactions for up to two users. The Pro plan is $12 per month and includes up to three users plus two-way accounting software integration. Additional users are $2.50 per month. Both plans include unlimited transactions, with fees applying to business credit card-funded payments and expedited payments.
Not yet. We're actively working to expand CashFlow Central℠ by United to include Accounts Receivable (AR) capabilities, with availability expected in early 2027. Once launched, businesses will be able to create and send invoices, accept online payments, track invoice status, automate payment reminders, and manage incoming payments from a single platform.
Enrollment in CashFlow Central℠ by United is available by clicking the CashFlow Central Admin tab from the Navigation menu, within the Business Menu or the Enroll Now banner button.
Yes. CashFlow Central℠ by United offers a two-way sync with QuickBooks® Online, QuickBooks® Desktop, Xero, & NetSuite automatically syncing bills, invoices, vendor information, and payment statuses to reduce manual entry and simplify reconciliation.
Note: The two-way accounting sync feature requires the Accounts Payable—Pro or above plan
CashFlow Central℠ by United helps improve cash flow by giving you greater control over when and how you pay bills. Automated workflows, flexible payment options, payment reminders, and real-time visibility into upcoming and completed payments help you better manage outgoing funds, avoid missed due dates, and make more informed cash flow decisions.
In addition, through CashFlow Central℠ by United Insights, your business will gain a clear view of cash flow trends, helping you monitor money coming in and going out, identify patterns, and make more informed financial decisions.
Yes, CashFlow Central℠ by United allows custom user access so you can assign permissions while keeping sensitive information protected.
Service fees post on the third business day of the month. Businesses can view their billing statement within CashFlow Central℠ by United and will receive an email once the service fee has been processed.
Billing Statements can be found by going to the Settings tab at the top of your screen and then select Billing Statements.
Primary administrators can see their billing account in the Settings > Plans and Billing tab.
Yes, from the Settings > Plans and Billing, select Change billing account.
The primary administrator can manage the plan at any time. Go to the Settings menu at the top of the screen and then select Plans and Billing.
No, your vendors do not need an account to receive payments through CashFlow Central℠ by United.
Payments from CashFlow Central℠ by United will include your information and show they come from your business. For example, your company name and address will be among the included information.
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Fiserv and CashFlow Central are trademarks of Fiserv, Inc., or its affiliates, registered or used in the United States and foreign countries, and may or may not be registered in your country. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
Terms and conditions apply. Enrollment subject to eligibility. Enrollment in Business Digital Banking required for access to CashFlow Central℠ by United. All fees nonrefundable. See the Treasury Services Master Terms and Conditions and CashFlow Central℠ by United fee schedule for more information.