Fiserv and Stuut Partner to Deploy AI Agents in Accounts Receivable for Enterprise Finance Teams

Fiserv and Stuut Join Forces to Transform Enterprise Receivables

Fiserv announced a strategic partnership with Stuut Technologies aimed at helping eligible enterprise finance teams modernize manual and fragmented B2B accounts receivable processes where available. The collaboration combines Fiserv Commerce Hub, the company's global payments platform, and SnapPay platform with Stuut's AI-enabled automation capabilities to support collections and cash application, payments, disputes and deductions, subject to applicable requirements and implementation timelines.1

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Source: PYMNTS

"Businesses are increasingly looking for ways to improve customer experiences while optimizing working capital," said Jackson McIntosh, senior vice president for 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."1

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How AI Agents Are Reshaping Accounts Receivable Operations

Founded in 2024, Stuut Technologies helps B2B enterprises use agentic artificial intelligence to transform what the company describes as manual, error-prone order-to-cash processes. Stuut's AI agents have already collected more than $2 billion in B2B invoices, demonstrating the technology's capacity to handle large-scale enterprise receivables.1

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Under the partnership agreement, Fiserv Commerce Hub will serve as the payment processing foundation for Stuut's platform. Meanwhile, SnapPay will integrate Stuut's technology to help automate Accounts Receivable and B2B payment workflows for eligible organizations where available. This integration is designed to deliver capabilities that help organizations reduce manual work, support working capital management, and improve visibility into cash flow and customer payment activity.2

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Beyond Speed: The Intelligence Layer in Modern Receivables

The shift happening in Accounts Receivable departments represents more than just automation—it's about what the systems now know. Traditional AR reporting functions as a lagging indicator, with teams compiling aging reports at month's end, categorizing overdue invoices by days past due, and assessing risk using historical averages or static credit scores. AI agents integrated with enterprise resource planning systems can now predict the likelihood of payment delays for specific invoices before they go out, employing structured data such as payment history and invoice size, as well as unstructured data like sentiment from customer emails and dispute frequency.1

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Purpose-built AR platforms apply contextual intelligence on top of ERP data. Rather than treating each transaction as an isolated event, these systems incorporate historical payment patterns to guide next steps automatically. According to Lee An Schommer, chief product officer for Billtrust, a purpose-built AR platform understands customer behavior and keeps cash flow moving, applying behavioral context that goes beyond simple variance recording.1

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What This Means for Enterprise Finance Teams

The partnership addresses a critical pain point for B2B enterprises struggling with fragmented receivables processes. By combining Fiserv's established payment infrastructure with Stuut's AI agents, eligible finance teams gain access to integrated capabilities designed to handle the full spectrum of receivables management—from initial invoice issuance through disputes and deductions resolution. This matters because operational efficiency in receivables directly impacts working capital management, a priority area as businesses seek to optimize cash positions while maintaining customer relationships. Watch for how this collaboration influences adoption rates of AI-enabled automation across mid-market and enterprise organizations, and whether the predictive capabilities around payment delays translate into measurable improvements in days sales outstanding metrics for early adopters.