AI-Backed Payments Decisioning with JAGGAER Pay

AI is no longer just enhancing AP operations - it's making the payment decisions.

Finexio partner JAGGAER has just introduced autonomous payments decisioning embedded directly within JAGGAER Pay. This isn’t bolt-on automation. This is AI working natively inside the JAGGAER source-to-pay platform, determining the optimal way to pay every supplier—efficiently, securely, and intelligently -- through JAGGAER Pay, with payments powered by Finexio.

Since 2022, Finexio has been the trusted payments technology partner behind JAGGAER Pay, delivering end-to-end AP Payments as a Service that streamlines operations, mitigates fraud risk, and drives digital payment adoption at scale.

What Is Autonomous Payment Decisioning?

The autonomous payment decisioning within JAGGAER Pay refers to AI-driven processes that determine the most efficient and secure method to pay each supplier. This system analyzes various factors, including supplier preferences, transaction history, and risk assessments, to:

• Select the optimal payment method (e.g., ACH, virtual card, wire, or check)
• Determine the appropriate payment timing
• Apply real-time fraud detection and compliance checks
• Automate payment execution upon invoice approval

This intelligent automation streamlines the accounts payable process, reducing manual intervention and enhancing operational efficiency.

How JAGGAER Pay Enables Autonomous Payments

JAGGAER Pay isn’t just another AP tool—it’s a deeply integrated component of the JAGGAER source-to-pay suite, purpose-built to automate payment execution with minimal manual oversight. With embedded payment decisioning capabilities, JAGGAER Pay empowers organizations to:

• Automate Payment Method Selection
  AI recommends and routes payments using the most cost-effective and secure method based on supplier data and historical patterns—be it ACH, virtual card, wire, or check.
• Digitize More Supplier Payments
  The system intelligently identifies suppliers likely to accept electronic payments and initiates enablement workflows automatically, driving higher ePayment adoption.
• Apply Risk and Compliance Checks
  Every payment decision is backed by embedded validations—fraud detection, sanction screening, and data checks happen before money ever moves.
• Reduce Manual Payment Intervention
  Payments are triggered based on invoice approval and business rules—removing the need for AP staff to touch each transaction or manage files.
• Deliver Faster, More Accurate Payments
  With intelligent automation and embedded processing, organizations can compress cycle times and reduce errors—all from within the same JAGGAER environment used for procurement and sourcing.

A Trusted Payments Partnership

Since 2022, Finexio has been the trusted payments technology provider behind JAGGAER Pay, powering embedded payments within JAGGAER’s Autonomous Commerce platform. This long-standing partnership integrates Finexio’s turnkey AP Payments as a Service directly into the JAGGAER source-to-pay workflow.

Benefits of the Finexio JAGGAER Partnership:

• Fully Embedded Experience – Seamless payment delivery from the same platform used for sourcing and procurement.
• Comprehensive Payment Options – Virtual cards, ACH, wires, and even printed checks when needed —delivered, reconciled, and supported by Finexio.
• Risk-Free Digitization – Enterprise-grade fraud protection, compliance controls, and ongoing supplier engagement managed entirely by Finexio.

Powerful Embedded Payments Innovation

Finexio enables leading enterprise platforms to transform accounts payable from a manual process into a fully intelligent, embedded experience.

For our partner's CFOs and AP leadership stakeholders, this unlocks measurable business value:

• Real-Time Payment Intelligence
  Access to live performance data, supplier behavior signals, and payment risk insights—directly within existing workflows.
• End-to-End Operational Efficiency
  AI automates payment selection, timing, and delivery—eliminating repetitive tasks and reducing cycle times.
• Digitally Optimized Supplier Relationships
  Suppliers get paid faster and with fewer exceptions, increasing satisfaction and driving adoption of digital payments.
• Self-Learning Automation
  Models continually improve based on transaction outcomes, risk events, and evolving supplier preferences.

Let's Talk

Finexio provides turnkey, embedded AP Payments as a Service—a solution purpose-built for platform integration and designed to support partner-led innovation. This technology is already powering intelligent payment experiences within the world’s leading procurement and finance systems, including JAGGAER. Let's talk about your embedded payments vision.

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