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Finero
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About Finero

Custom pricing, terms, and chasing invoices shouldn’t be the bottleneck of finance teams.

Finero is an autonomous accounts receivable platform for B2B businesses. It connects to your ERP and your payment provider, then runs the collection cycle itself: chasing invoices, taking payment, handling buyer queries, and posting reconciled cash back to your ledger.

We started Finero because B2B sales innovation has run circles around B2B receivables. Buyers click to order in seconds. Sellers wait weeks to be paid. The work in between falls on a finance team drowning in spreadsheets.

Category
Autonomous accounts receivable
Serves
North America, EMEA, Australia & New Zealand
Sits between
Your ERP and your payment provider

The gap we are trying to close

Almost every part of B2B commerce has been rebuilt in the last decade. Buying is self-serve, catalogues are live, contracts are electronic. Receivables did not move. Most finance teams still issue an invoice, wait, send a reminder someone remembered to send, take a payment through a channel that tells them almost nothing about what it settles, and then spend the end of the month working out which invoice it was for.

The reason that persists is not that finance teams are careless. It is that the work is relentless, unrewarding and endlessly interruptible: every invoice needs contact at the right moment, through the right channel, to the right person, and then needs matching when the money arrives. It is exactly the kind of work that degrades as volume grows, and exactly the kind that software should be doing.

That is the distinction we care about. Most tools in this category help a person do collections faster. Autonomous AR does the collections, and asks a person only when something genuinely needs judgement. The difference shows up in one place: whether your collections capacity has to grow with headcount.

Where Finero sits in your stack

Finero is deliberately a layer, not a system of record. Your ERP (NetSuite, SAP, Oracle Fusion, Dynamics 365, QuickBooks Online or Xero) remains the ledger. Your payment provider (Stripe, Adyen, Worldpay, Authorize.Net and others) remains your processor, on your existing merchant agreement.

Finero owns the workflow between them: invoices and customers sync in, the agent chases and collects, buyers pay on hosted pages through your own processor, and applied cash posts back at the invoice line. That positioning is a constraint we impose on ourselves, because a receivables layer that requires you to change ledger or processor is not a layer, it is a migration.

What we believe

Three principles.

AR work should be invisible

If finance is spending half its week chasing invoices, something is broken. Software should do this work.

Stay in your stack

Your ERP and your processor are not the problem. Finero is built to fit alongside them, not replace them.

Buyers deserve a good experience

The B2B buyer paying your invoice is the same person who pays personal bills online in one tap. Match that bar.

Boundaries

What Finero deliberately does not do.

These are constraints we chose, and they are the fastest way to understand what Finero actually is.

We never hold your money

Payments settle directly into your own merchant account on your existing payout schedule. There is no float, no commingling, and no dependency on us for you to be paid.

We do not mark up processing

You keep your own merchant agreement and your own rates. Finero takes nothing from the payment itself, which means we have no incentive to route you anywhere.

We do not replace your ERP

Your ledger stays the system of record. Finero is an operational layer on top of it, and removing us would leave your books intact.

We do not charge per seat

Most AR tooling charges per user, which penalises exactly the thing you want: more of the finance team seeing the ledger. Unlimited users are included.

How we write about competitors

We publish comparison pages covering the other platforms in this category, and we hold them to one rule: every claim about another vendor has to trace to that vendor’s own site or a named publication. Where we cannot verify something, the table shows a dash rather than an estimate, and we say so on the page.

That produces less flattering comparisons than guessing would, which is the point. A competitor grid full of confident claims that nobody checked is worth nothing to a buyer who is about to spend real money, and it is the first thing a good procurement process catches.

About Finero: FAQ

What is Finero?

Finero is an autonomous accounts receivable platform for B2B businesses. It connects to your ERP and your payment provider, then runs the collection cycle itself: chasing invoices across email, SMS and chat, taking card and ACH payment on hosted pages, handling buyer queries, and posting reconciled cash back to your ledger.

Who is Finero for?

Finance teams at B2B businesses that invoice other businesses on credit terms. That includes SaaS platforms, wholesale and distribution, manufacturing, consumer goods brands selling into retail, and B2B ecommerce merchants offering net terms at checkout. It is built for teams that want collections executed rather than organised.

Is Finero a payment processor?

No. Finero is payment-provider agnostic and does not process payments itself. You keep your existing processor, merchant agreement and payout schedule, and funds settle directly to your own merchant account. Finero never takes custody of your money.

Is Finero a debt collection agency?

No. A collections agency takes over a debt after your own process has failed, usually for a share of what it recovers. Finero is software that runs your own receivables process from the moment an invoice is issued, with the aim of the debt never reaching that point.

Does Finero replace our ERP?

No. Your ERP stays the system of record. Invoices and customers flow into Finero, payments and reconciliation entries flow back, and the ledger of truth never moves. If Finero were removed, your ERP would still be complete and correct.

What is the difference between Finero and AR automation software?

AR automation organises human work: it schedules reminders, builds worklists and reports on aging, while a person still decides and acts. Finero executes the cycle, deciding per invoice what happens next and escalating exceptions to a person. The practical difference is whether collections capacity has to grow with headcount.

See what autonomous receivables looks like on your ledger.

Book a 30-minute demo with a Finero expert. See how Finero chases, collects, and reconciles invoices end-to-end.

Book a demo