Best B2B Payment Platforms for Aerospace & Defense Manufacturing

The aerospace and defense manufacturing sector faces unique payment challenges that demand specialized solutions. With the global aerospace and defense market projected to reach about $1.2 trillion by 2030 and 71% of B2B companies still experiencing delayed payments, selecting the right payment platform is critical for maintaining cash flow and operational efficiency. Aerospace manufacturers require platforms that handle high-value transactions (often exceeding $100,000), support extended payment terms that can strain working capital, and meet stringent compliance requirements including government charge card processing (GSA SmartPay®, formerly associated with older IMPAC branding) and ITAR considerations. For manufacturers looking to streamline their financial operations while offering flexible payment terms, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges.

Key Takeaways

• Aerospace and defense manufacturers need B2B payment platforms that handle high-value transactions, extended payment terms (Net 30/60/90), and strict compliance requirements including government charge card processing (GSA SmartPay®, formerly associated with older IMPAC branding)
• Non-recourse financing solutions eliminate credit risk while providing instant approvals and rapid funding, addressing the industry's extended payment cycle challenges
• AI-powered payment platforms can deliver instant credit decisions and automated cash application, reducing manual reconciliation for complex aerospace invoices
• Industry-specific platforms offer specialized features like AOG (Aircraft on Ground) emergency support, aviation network access, and government contracting expertise
• Global aerospace manufacturers benefit from multi-currency capabilities and international payment orchestration for complex supply chains
• Comprehensive AR automation with seamless ERP integration enables aerospace companies to manage the entire credit-to-cash lifecycle efficiently

1. Resolve Pay 

Resolve Pay offers aerospace manufacturers a unique advantage: 100% non-recourse financing that eliminates credit risk while providing rapid funding. Unlike traditional factoring or payment processors, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing aerospace companies to offer net terms without jeopardizing their cash flow.

Best For

Aerospace manufacturers need to offer net terms without credit risk, with instant approvals supporting high-value B2B transactions.

Key Features

• 100% non-recourse financing eliminates merchant credit risk completely
• AI-powered credit decisions with up to 100% invoice advance within 24 hours
• Enterprise ERP integration supporting NetSuite, SAP, Dynamics, QuickBooks, and Xero
• Automated AR workflow with payment reminders and collections management
• White-label branded payment experience maintaining customer relationships
• Seamless integration with Accounts Receivable with AI-Powered Automation

Aerospace & Defense Relevance

Resolve's platform is particularly valuable for aerospace manufacturers who need to extend credit to airlines, defense contractors, and suppliers while maintaining healthy cash flow. The platform's ability to advance up to 100% of invoice value within 24 hours directly addresses the industry's extended payment cycle challenges. With significant portions of aerospace B2B sales made on credit, having a solution that manages the entire credit-to-cash lifecycle is essential.

The non-recourse nature of Resolve's financing means aerospace manufacturers can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the aerospace sector where building long-term relationships with major buyers often requires flexible credit terms. The platform handles credit assessment, approval decisions, and assumes the majority of late payment or default risk, freeing manufacturers to focus on production and customer relationships.

Customer Validation

"Resolve has positively impacted our cash flow. Their advance on each invoice we submit has translated into quicker receivables, directly contributing to healthier cash flow management," shared Luke Elliot, Co-Founder of a Resolve client.

Resolve's AI-powered underwriting provides credit approvals within 24 hours compared to the multi-day processes typical of traditional methods, enabling aerospace manufacturers to respond quickly to customer orders. The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships.

2. AerospacePay (CARDZ3N)

AerospacePay by CARDZ3N is the only payment platform specifically engineered for aviation, aerospace, and defense industries. With dedicated support for government procurement cards (IMPAC & GSA) and 24/7 AOG (Aircraft on Ground) emergency assistance, it addresses the unique operational demands of aerospace businesses.

Defense contractors, MRO providers, FBOs, and aerospace OEMs require government card processing and emergency payment support.

Key Features

• B2B and B2G payment processing with IMPAC & GSA government card support
• AOG (Aircraft on Ground) 24/7 dedicated help desk for urgent scenarios
• Multiple currencies support for global aerospace supply chains
• PCI DSS compliance with AI-driven fraud detection
• QuickBooks and SAP integrations for aerospace accounting workflows

AerospacePay's industry-specific focus makes it valuable for businesses that cannot afford payment delays or compliance issues. The 24/7 AOG support ensures that emergency aircraft maintenance payments can be processed immediately, preventing costly operational disruptions. Government card processing capabilities are essential for defense contractors working with federal agencies, addressing the compliance requirements that general payment platforms may not support.

3. QuadraPay

QuadraPay is an international merchant processing and gateway provider that emphasizes multi-currency acceptance (100+ currencies) and dynamic currency conversion for cross-border sales.

Aerospace manufacturers with international operations requiring multi-currency support and advanced payment orchestration.

Key Features

• Payment acceptance in 100+ currencies with dynamic currency conversion
• Payment orchestration with 40+ payment methods and intelligent routing
• Cryptocurrency payment support for high-value aerospace transactions
• PSD2, AML, KYC, CCPA, and GDPR compliance for international operations
• Omnichannel payment acceptance (POS, web portals, kiosks, IVR, mobile)

The aerospace industry's global nature demands payment solutions that can handle complex international transactions seamlessly. QuadraPay's multi-currency capabilities and regulatory compliance across multiple jurisdictions make it suitable for manufacturers sourcing components globally or selling to international customers. The platform's advanced fraud detection and chargeback management address the needs of high-value aerospace transactions.

4. U.S. Bank Aerospace & Defense Solutions

U.S. Bank Aerospace & Defense Solutions combines traditional banking stability with dedicated aerospace industry expertise. As a GSA SmartPay® contractor bank with longstanding relationships in federal payments, U.S. Bank provides specialized financing and payment solutions for defense contractors.

Large defense contractors and aerospace manufacturers require government contracting expertise and traditional banking relationships.

Key Features

• Top corporate payment provider to federal government with 20+ years experience
• GSA SmartPay longstanding relationship for government procurement cards
• Merchant processing in 120 currencies for acceptance, 17 for settlement
• Dedicated aerospace team with 100+ years combined experience
• Prime contractor status with documented success financing major acquisitions

U.S. Bank's government contracting expertise is valuable for defense contractors navigating complex federal payment requirements. The bank's participation in a credit facility to support AeroVironment's $405 million acquisition of Arcturus UAV demonstrates its capability to handle major aerospace transactions. With a significant portion of aerospace and defense clients using their payment capabilities, the bank has proven its understanding of industry-specific needs.

5. TreviPay

TreviPay leverages 45+ years of B2B credit expertise through its dedicated Aviation Network. With deep native ERP connections and access to 7,500+ ICAO locations, TreviPay provides enterprise-scale solutions for large aerospace manufacturers.

Large aerospace manufacturers with international operations requiring established aviation network access and enterprise-scale solutions.

Key Features

• Global scale across 32 countries with multi-currency processing
• Deep native ERP connections (SAP, NetSuite, Dynamics)
• access to 7,000+ ICAO locations in 220+ countries and territories
• 45+ years of B2B credit expertise since 1978

TreviPay's Aviation Network combines aerospace expertise with established invoicing technology, making it suitable for manufacturers with complex international supply chains. The platform's long history and substantial transaction volume demonstrate its reliability and industry understanding. For large aerospace companies requiring enterprise-scale solutions with global reach, TreviPay provides the infrastructure and expertise needed.

6. Airwallex

Airwallex specializes in cross-border payments with competitive FX rates and multi-currency capabilities essential for global aerospace supply chains. Processing over $235 billion in annualized transaction volume as of October 2025, Airwallex provides superior foreign exchange rates and faster settlement than traditional banking.

Aerospace manufacturers with global supply chains requiring superior FX rates and multi-currency capabilities.

Key Features

• Multi-currency wallets with 130+ currencies, 160+ payment methods
• Competitive FX rates with 0% foreign transaction fees on corporate cards
• 95% of transfers arrive within one business day
• Global bank accounts with local details in multiple countries
• Developer-friendly APIs with embedded finance capabilities

The aerospace industry's global nature demands payment solutions that can handle complex international transactions efficiently. Airwallex's like-for-like currency settlement without conversion fees and superior FX rates protect margins on international aerospace transactions. The platform's speed—with 95% of transfers completing within 1 business day—ensures that international suppliers are paid promptly, maintaining strong relationships.

7. Bill.com

Bill.com provides comprehensive AP/AR automation with a large vendor network in the industry, enabling aerospace manufacturers to quickly connect with existing suppliers and customers. The platform's dual automation capabilities streamline both accounts payable and receivable processes.

Aerospace suppliers and manufacturers needing AP/AR automation with extensive vendor connectivity.

Key Features

• Large vendor network enabling payment connectivity
• Dual AP and AR automation in single platform
• Supports ACH, virtual cards, international wire transfers
• QuickBooks and Xero native integrations
• Visibility and control over spending with fast reconciliation

Bill.com's extensive vendor network is particularly valuable for aerospace manufacturers who work with numerous suppliers across the industry. The ability to quickly connect with existing vendors without requiring them to set up new accounts reduces implementation time and friction. The platform's AP/AR automation capabilities help manage the complex financial workflows common in aerospace manufacturing.

8. Stripe

Stripe offers flexible payment infrastructure for aerospace manufacturers with technical teams needing to build custom payment flows. With support for 135+ currencies and advanced APIs, Stripe enables custom integration with proprietary e-commerce platforms and equipment configurators.

Aerospace manufacturers with in-house development teams needing to build custom payment flows and integrate payments into proprietary systems.

Key Features

• Advanced APIs for custom payment integration
• Supports 135+ currencies with global reach
• Custom workflows for manufacturing-specific payment scenarios
• Subscription management with recurring billing for maintenance contracts
• Scalable infrastructure powering millions of businesses

Aerospace manufacturers often require custom integrations with internal systems, equipment configurators, and specialized e-commerce platforms. Stripe's extensive APIs enable these customizations while maintaining global payment capabilities. For manufacturers building proprietary ordering systems or equipment configurators, Stripe provides the flexibility needed to create seamless payment experiences.

9. American Express B2B Payment Solutions

American Express B2B Payment Solutions leverages established relationships with Fortune 500 companies and major manufacturing buyers, providing trusted payment processing for high-value aerospace equipment purchases. The April 2024 partnership with Payhawk enhances their virtual card and unified spending management capabilities.

Aerospace manufacturers selling to Fortune 500 defense contractors and major airlines who prefer corporate card payments.

Key Features

• Established relationships with major aerospace/defense buyers
• Enterprise-grade security and fraud protection
• Corporate card rewards programs for large purchases
• April 2024 partnership with Payhawk for virtual cards
• Supports both card and non-card payments for domestic and cross-border

Many major defense contractors and airlines prefer corporate card payments for high-value aerospace equipment purchases due to security, rewards, and expense management benefits. American Express's established relationships with these buyers provide aerospace manufacturers with a trusted payment method that buyers are comfortable using. The platform's enterprise-grade security and fraud protection are essential for high-value aerospace transactions.

10. Tipalti

Tipalti specializes in international supplier payment automation with capabilities spanning 200+ countries and 120 local currencies. The platform's automated supplier onboarding and self-service portal reduce payment coordination overhead for aerospace manufacturers with global supply chains.

Aerospace manufacturers sourcing components globally, with automated supplier onboarding across multiple countries.

Key Features

• Payments to 200+ countries in 120 local currencies
• Automated supplier onboarding and verification
• Self-service portal for vendor payment preferences
• Branded payee portal for supplier relationship management
• Built-in fraud monitoring across vendor network

Aerospace manufacturers frequently source components from global suppliers, requiring payment solutions that can handle complex international payment requirements. Tipalti's automated supplier onboarding reduces the administrative burden of managing international supplier payments, while the self-service portal allows suppliers to manage their own payment preferences and banking details. This reduces the coordination overhead that can delay international payments.

Choosing the Right B2B Payment Platform for Your Aerospace Business

Selecting the right B2B payment platform for aerospace and defense manufacturing requires careful evaluation of your specific operational needs, transaction volumes, and growth trajectory. The industry's unique challenges—including high-value transactions, extended payment terms, government compliance requirements, and complex global supply chains—demand payment solutions purpose-built for these requirements.

For aerospace manufacturers seeking to eliminate credit risk while maintaining healthy cash flow, Resolve Pay's non-recourse financing model offers a compelling solution. The platform's ability to advance up to 100% of invoice value within 24 hours while assuming the credit risk enables manufacturers to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with airlines, defense contractors, and suppliers who expect flexible payment options.

The rapid credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling aerospace manufacturers to respond quickly to customer orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless ERP integration supporting NetSuite, SAP, Dynamics, and QuickBooks, Resolve Pay provides aerospace manufacturers with a comprehensive platform that addresses both immediate cash flow needs and long-term customer relationship management.

As the aerospace market continues its substantial growth trajectory, having a B2B payment platform that scales with your business while maintaining security, compliance, and operational efficiency becomes increasingly critical. Whether you're a defense contractor requiring government card processing, a global manufacturer needing multi-currency capabilities, or a growing aerospace company looking to expand your customer base through flexible payment terms, the right payment platform serves as strategic infrastructure that supports sustainable growth.

Frequently Asked Questions

What specific payment challenges do Aerospace & Defense manufacturers face?

Aerospace and defense manufacturers face unique payment challenges including high-value transactions (often $100,000+), extended payment cycles (Net 60/90), government compliance requirements (IMPAC, GSA SmartPay cards), and complex global supply chains. The industry also requires specialized support for emergency scenarios like AOG (Aircraft on Ground) situations. Industry data shows that 64% of B2B companies face delayed payments, creating significant cash flow challenges for manufacturers with long production cycles.

How can AI-powered payment platforms benefit complex B2B transactions?

AI-powered payment platforms like Resolve Pay benefit complex aerospace transactions by providing instant credit decisions, automated cash application with high match rates, and intelligent payment routing. For aerospace manufacturers, AI reduces manual processing of complex invoices and accelerates credit decisions from days to hours. This automation enables faster order fulfillment and improved customer experience while reducing administrative overhead on AR teams. The AI can also analyze thousands of buyer data points to generate dynamic, scalable credit decisions tailored to each customer's risk profile.

How does non-recourse invoice financing compare to traditional factoring for a defense contractor?

Non-recourse invoice financing, like Resolve's platform, differs from traditional factoring in that the financing provider assumes the credit risk of non-payment, whereas traditional factoring often remains a recourse to the seller. For defense contractors, this means they can offer net terms to government agencies and other buyers without assuming the risk of late payments or defaults. Additionally, non-recourse platforms typically offer white-label experiences that maintain the contractor's customer relationships, unlike traditional factoring which often involves direct communication with the buyer.

Can a B2B payment platform integrate with existing ERP systems like Oracle or SAP that are common in A&D?

Yes, leading B2B payment platforms offer native integrations with major ERP systems commonly used in aerospace and defense manufacturing, including SAP, Oracle, NetSuite, Dynamics, and QuickBooks. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation. Platforms like Resolve Pay, TreviPay, and U.S. Bank specifically mention deep native ERP connections that support the complex financial workflows required in aerospace manufacturing. When evaluating platforms, verify that they support your specific ERP system and understand the depth of integration available.

What compliance considerations are important for payment platforms in the Aerospace & Defense sector?

Aerospace and defense payment platforms must address several compliance considerations including government charge card processing (GSA SmartPay®, formerly associated with older IMPAC branding), PCI DSS compliance for payment security, and ITAR considerations for international transactions. Defense contractors working with federal agencies require platforms that can properly handle government procurement card transactions and maintain appropriate security protocols. Additionally, international aerospace manufacturers need platforms with multi-jurisdiction compliance capabilities including PSD2, AML, KYC, CCPA, and GDPR compliance for global operations.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.