Fiserv and Stuut Are Automating the Finance Function That Still Runs on Spreadsheets
"Businesses are increasingly looking for ways to improve customer experiences while optimizing working capital."
Fiserv announced a strategic partnership with Stuut Technologies on August 5, 2026, targeting a very persistent manual function in enterprise finance: accounts receivable.
The combination pairs Fiserv's Commerce Hub and SnapPay order-to-cash solution with Stuut's agentic AI platform, covering the full order-to-cash workflow from collections through cash application, payment processing, disputes, and deductions, according to the press release.
Traditional accounts receivable works as a lagging indicator, teams compile aging reports at month-end, categorize overdue invoices by days past due, and assess risk using historical averages that only tell them what already happened.
According to the companies, Stuut's AI platform integrates with ERP systems including SAP, Oracle, NetSuite, and Microsoft Dynamics 365, using structured and unstructured enterprise data to predict payment risk before invoices become overdue.
"Businesses are increasingly looking for ways to improve customer experiences while optimizing working capital," said Jackson McIntosh, SVP of Payments Value Added Services at Fiserv. "Together with Stuut, we are combining our payment and receivables expertise with AI innovation, helping our clients streamline order-to-cash workflows, support productivity gains, improve operational efficiency and deliver greater value."
Under the agreement, Commerce Hub serves as the payment processing foundation for Stuut's platform, providing the rails through which payments initiated or managed by Stuut's AI agent are processed.
SnapPay, Fiserv's existing order-to-cash solution, integrates Stuut's automation technology directly to help eligible enterprise customers automate the AR workflows they currently handle manually.
According to the companies, the combined platform automates receivables workflows while providing real-time cash flow visibility and customer payment insights.
A short payment, for instance, is typically recorded as a variance in an ERP and flagged as an exception to investigate. A purpose-built AR system with behavioral context understands whether that short payment is a one-off or a pattern, and routes the response accordingly.
"By combining Stuut's AI agent with Commerce Hub and SnapPay, we are giving finance teams a next-generation solution to help modernize order-to-cash operations," said Tarek Alaruri, CEO and Co-Founder of Stuut. "Together with Fiserv's scale and payments technology, we are providing the foundation to bring these capabilities to more enterprise customers."
Stuut was founded in 2024 and is backed by Andreessen Horowitz, Activant Capital, and Khosla Ventures. Its AI agent has collected more than $2 billion in B2B invoices.
Key Takeaways
- Fiserv partners with Stuut to automate accounts receivable, enhancing enterprise finance efficiency.
- Integrate AI to predict payment risks, improving cash flow management before invoices become overdue.
- Combine Fiserv's payment solutions with Stuut's AI for streamlined order-to-cash workflows.
- Use structured and unstructured data from ERP systems for better financial decision-making.
- Focus on improving customer experiences while optimizing working capital through innovative technology.