CashOnTime vs Esker Cash Application
CashOnTime
cashontime.com
Esker Cash Application
esker.comSide by side
| Figure | CashOnTime | Esker Cash Application |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · Cash Application Software | 7.7 (#6) | 7.9 (#3) |
| Deployment | CashOnTime is presented as a SaaS platform with cloud hosting, automatic updates, scalability, and access from any internet-connected device. | The product is described as a cloud-based platform and can be deployed as a standalone solution or as part of Esker’s Accounts Receivable suite. |
| Founded | 2012 | 1985 |
| Headquarters | Limonest, France | Villeurbanne, France |
| Intended customers | The product is aimed at finance departments facing high volumes, complex B2B flows, multiple sites or subsidiaries, multiple ERPs, and frequent disputes. | Esker describes Cash Application as built for large companies and complex receivables environments, including Finance teams handling high-volume payment flows. |
| Security | The maker describes the SaaS platform as robust, secure, and scalable, with high availability, automatic updates, and enhanced security. | Esker says its cloud platform has ISO 27001 certification and that vendors interacting with it undergo security evaluation and provide specified audit reports or certificates. |
| Support | Deployment support includes audit, scoping, setup, training, go-live, continuous improvement, and an expert helpdesk with teams based in France. | Esker provides a Support link from its website and invites prospective customers to request a demo or get in touch. |
Plans
In their own words
CashOnTime
CashOnTime is an Invoice-to-Cash platform for finance departments, bringing together credit management, collections, disputes, payment matching, online payments and cash forecasting. Its collection tools automate multichannel reminders, adapt scenarios and use AI to prioritize actions. Payment reconciliation combines AI with business rules to handle partial payments, discounts, exchange-rate differences, credit notes and transactions across entities. Teams can centralize deductions and disputes, while a customer portal lets customers view invoices, discuss disputes, submit supporting documents and pay online. Credit tools assess solvency, apply policies and alert teams to unusual behavior or policy exceedances. Consolidated dashboards forecast from payment behavior, detected risks and transaction history across subsidiaries and ERP environments. CashOnTime is presented as a SaaS platform with web access and an API; its maker describes standardized REST API exchange and customizable ERP connectors, naming SAP, Oracle, Microsoft Dynamics and Sage as examples of supported environments. Implementation services include integration, setup, training and ongoing optimization. The CashOnTime brand launched in 2012; pricing is on request.
Esker Cash Application
Esker Cash Application automates cash application for accounts receivable teams, from capturing payment and remittance information to matching payments, handling exceptions and posting results to an ERP. Esker Synergy AI extracts payment data and suggests invoice matches, with explanations and human review when needed. The system brings remittance information together from multiple channels. For complex allocations, users can apply configurable rules and work in a guided workspace with contextual information, suggestions and collaboration tools. Allocation options include discounts, deductions, short payments, cross-company cases and multiple currencies. Esker says the product works with any ERP, including multi-ERP environments; integration options include a prebuilt SAP connector using BAPI calls and REST API web services. It can run on its own or alongside Esker’s Accounts Receivable suite. Customisable dashboards and reports cover KPIs, payment activity, automation trends, unapplied cash and user activity, with traceability and archiving. Pricing is on request, and a 30-day trial is listed.