Best B2B Payment Platforms for Building Materials Manufacturing

Nearly half of all B2B invoices in building materials manufacturing are currently overdue, creating cash flow challenges that threaten growth and supplier relationships. According to Forbes research, late payments cost businesses significant working capital that could otherwise fund growth initiatives. Building materials manufacturers face unique payment hurdles: high transaction values ($50K-$500K per order), extended payment cycles (Net 60-90 days standard), and complex supply chains requiring sophisticated credit management. We analyzed 20+ B2B payment platforms based on net terms capabilities, manufacturing-specific features, AR automation levels, and documented customer results in the construction materials sector. Our top recommendation is Resolve Pay because it offers non-recourse net terms financing through its embedded B2B payments platform—shifting customer default risk to Resolve while advancing approved invoice funds quickly (often within 24 hours).

Key Takeaways

• Non-recourse financing eliminates credit risk: Unlike traditional factoring, non-recourse models mean manufacturers bear no liability for customer defaults while receiving advance payment within 24 hours
• Net terms drive significant revenue growth: Building materials manufacturers report up to 40% average order increases when offering Net 60-90 day payment terms to customers
• AR automation reduces workload dramatically: Leading platforms achieve 50-60% DSO improvements and reduce manual AR workload by up to 90% through AI-powered automation
• Industry specialization delivers better results: Platforms with manufacturing-specific capabilities understand unique challenges like high transaction values, extended payment cycles, and complex supply chains
• Integration capabilities matter for efficiency: Seamless connectivity with existing ERP systems (QuickBooks, Oracle, NetSuite, Sage Intacct) accelerates implementation and reduces operational friction
• Research proves retention value: According to Bain & Company research, increasing customer retention rates by just 5% can increase profits by 25% to 95%
• Payment terms influence buyer behavior: Studies from McKinsey show that optimized payment terms significantly improve cash conversion cycles and supplier relationships

1. Resolve Pay - Non-Recourse Net Terms Financing for Manufacturers

Resolve Pay has revolutionized B2B payments for building materials manufacturers by providing 100% non-recourse financing that eliminates all credit risk while advancing up to 90% of invoice value within 24 hours. Unlike traditional factoring where merchants bear liability for customer defaults, Resolve's non-recourse model means what you get is always yours to keep.

What Makes Resolve Pay Different 

Resolve combines previously disparate resources needed for B2B commerce into a single platform: embedded credit expertise, embedded invoice financing, and embedded payments. The platform's AI-powered accounts receivable automation streamlines credit, invoicing, and collections while its business credit check service delivers instant decisions using just a customer's name and address.

The platform provides white-label payment portals that preserve your merchant brand relationships, ensuring customers interact with your brand throughout the payment experience. This brand consistency strengthens customer relationships while Resolve handles the complex backend credit and financing operations.

Manufacturing-Specific Advantages

Resolve Pay is built specifically to handle the unique demands of the building materials industry:

• Supports Net 60-90 terms common in building materials industry
• Handles large transactions (up to $500K reported)
• White-label payment portal preserves merchant brand relationships
• Integrates seamlessly with QuickBooks, Oracle, Shopify, and other manufacturing ERPs
• Eliminates all credit risk through 100% non-recourse financing
• Provides 24-hour advance payment to improve cash flow
• AI-powered credit decisions using proprietary models and expert analysis

Proven Results

Resolve Pay delivers documented, measurable results for manufacturing clients:

• Archipelago Lighting achieved a 90% reduction in AR-related workload after implementing Resolve
• Manufacturing clients consistently see 50-60% DSO improvement through automated collections
• 40% average order increase when offering net terms to customers
• Archipelago Lighting tripled revenue in 3 years using Resolve

Implementation & Support

Resolve offers implementation typically completed in 1-2 weeks with dedicated support from experts formerly of Amazon, PayPal, and Fortune 500 firms. The platform scales with your specific needs, accommodating growth from emerging manufacturers to enterprise-scale operations.

2. Billtrust

Billtrust brings 20+ years of B2B payment processing experience specifically serving distributors and building materials companies. Their Business Payments Network (BPN) connects directly to buyer AP systems, creating a seamless invoice-to-cash experience tailored for the construction supply chain.

Billtrust's comprehensive approach covers the entire invoice-to-cash cycle with AI-powered fraud detection and e-invoice delivery optimization. Their deep industry expertise addresses unique building materials challenges like progress payments, retention, and large transaction values.

Key Features

• Business Payments Network connects to buyer AP systems
• AI-powered predictive analytics for cash flow forecasting
• Complete invoice-to-cash cycle coverage
• Extensive ERP integrations for manufacturing operations

Billtrust's 20+ year track record in B2B payment processing includes specific focus on distributors and building materials companies, understanding the sector's payment complexities and relationship dynamics. The platform's longstanding presence demonstrates sustained market validation and operational reliability.

3. TreviPay

TreviPay leverages 40+ years of B2B credit expertise to power $6+ billion in annual trade across manufacturing, retail, and transportation sectors. Their Universal Acceptance feature enables net terms through existing card acceptance infrastructure, making it ideal for building materials suppliers already accepting credit cards.

TreviPay's longevity in the trade credit space provides extensive expertise in manufacturing sector credit risk assessment. Their Universal Acceptance innovation allows merchants to offer net terms without requiring buyers to create new accounts or undergo additional credit checks.

Key Features

• 40+ years of B2B credit expertise
• Global reach: 20+ countries, 10+ currencies
• Instant credit approvals for 30-90 day terms
• Universal Acceptance via Mastercard network

4. HighRadius

HighRadius delivers enterprise-grade AR automation for large building materials manufacturers ($100M+ revenue) with complex multi-entity operations. Their AI-powered platform achieves 75-80% automation rates and processes high transaction volumes with sophisticated features like advanced deduction management. HighRadius handles the complexity that comes with enterprise-scale operations, including multi-entity structures, high transaction volumes, and intricate dispute resolution. Their AI-powered payment predictions forecast cash flow up to 30 days in advance.

Key Features

• AI-powered payment predictions up to 30 days in advance
• Advanced deduction management for complex disputes
• 75-80% automation rate for AR processes
• Comprehensive coverage: credit, invoicing, collections, cash application, disputes

For large building materials manufacturers with dedicated AR/IT teams, HighRadius provides enterprise-grade sophistication. The Danone case study achieved 98% straight-through cash application, demonstrating capability with complex manufacturing operations.

5.  Versapay

Versapay combines payment processing with collaborative AR management, offering interchange optimization that can reduce credit card fees by up to 40%. Their collaborative customer portal creates a shared space for AR teams and customers to resolve disputes in real-time. Versapay's PayFac status enables smooth merchant onboarding while their Level 2/3 data capture can significantly reduce interchange fees. The collaborative AR portal transforms traditionally adversarial collections into cooperative problem-solving sessions.

Key Features

• Interchange optimization can reduce credit card fees by up to 40%
• Collaborative customer portal for dispute resolution
• PayFac status for smooth merchant onboarding
• Proven results in wholesale manufacturing and logistics sectors

Building materials distributors with frequent invoice disputes benefit from Versapay's collaborative approach. Case studies show impressive results: TireHub saved 200+ hours weekly, reduced outstanding receivables by 50%, and increased payment automation by 400%.

6. Bill.com (BILL)

Bill.com provides accessible AP/AR automation for small-to-midsize building materials manufacturers transitioning from manual processes. Their massive 5+ million vendor network creates immediate value by connecting to existing electronic payment relationships.

Bill.com's network effect means connecting to their platform automatically links you to millions of existing vendors for instant electronic payments. The intuitive interface is designed for businesses without dedicated finance departments.

Key Features

• 5+ million vendor network for instant connectivity
• Combined AP + AR automation in single platform
• Two-way sync with QuickBooks, NetSuite, Xero
• Mobile approval capabilities for on-the-go authorization

For building materials manufacturers with moderate transaction volumes looking to modernize from manual processes, BILL provides an accessible entry point. With 494,000+ businesses relying on the platform, it's proven effective for SMBs.

7. Tipalti

Tipalti excels at managing supplier payments across complex international operations with support for 200+ countries, 120 currencies, and built-in tax compliance. As a licensed Money Services Business (MSB), they enable faster account approval for global payments.

Tipalti's comprehensive global compliance infrastructure automatically handles international tax compliance across jurisdictions. Their self-service supplier portal reduces manual work by allowing vendors to manage their own payment details.

Key Features

• 200+ countries, 120 currencies, 50+ payment methods
• Built-in tax compliance (W-8/W-9, 1099 reporting)
• Self-service supplier portal for vendor management
• Licensed MSB for faster global account approval

Building materials manufacturers sourcing internationally benefit from Tipalti's global capabilities. ServiceRocket achieved an 80% reduction in AP processing time, demonstrating efficiency gains for complex operations.

8. Stripe

Stripe provides enterprise-grade payment infrastructure with 99.999% uptime and support for 100+ payment methods across 135+ currencies. Their developer-friendly API and comprehensive financial services suite make them ideal for technically sophisticated building materials manufacturers. Stripe's industry-leading technical infrastructure delivers proven reliability with 99.999% uptime SLA. Beyond payments, they offer banking, lending, and treasury capabilities.

Key Features

• 99.999% uptime SLA with proven reliability
• Support for 100+ payment methods, 135+ currencies
• Developer-friendly API with comprehensive documentation
• Comprehensive financial services suite beyond payments

For building materials manufacturers with strong technical teams or global operations, Stripe provides the infrastructure to handle high-value transactions across multiple currencies. Their platform powers major companies like Shopify, Uber, and Amazon payments.

9. Paystand

Paystand eliminates transaction fees entirely through their blockchain-based Bank Network, offering real-time account-to-account payments specifically designed for the construction industry. Their zero-fee model provides significant savings on high-value building materials transactions. Paystand's blockchain-based network removes costly middlemen, enabling fee-free bank-to-bank transfers. Their construction industry specialization addresses sector-specific needs like progress payments and retention.

Key Features

• Zero-fee processing via Paystand Bank Network
• Real-time account-to-account (A2A) payments
• Construction industry-specific features
• Decentralized financial model removes middlemen

Building materials suppliers facing high credit card processing costs (2-3% on $100K+ orders) can achieve significant savings with Paystand's zero-fee model. Their network of 1 million+ businesses demonstrates substantial adoption in the construction ecosystem.

10. Balance

Balance provides digital trade credit infrastructure specifically designed for B2B platforms and marketplaces. Their platform enables embedded trade credit that drives significant growth in customer acquisition and spending among existing customers. Balance's marketplace-focused infrastructure enables embedded trade credit in multi-vendor environments. Their dynamic credit limit adjustments based on payment behavior optimize credit availability while managing risk.

Key Features

• Digital trade credit infrastructure for platforms and marketplaces
• Dynamic credit limit adjustments based on payment behavior
• Data-driven insights on payment behavior impact
• Drives growth in new buyer acquisition with net terms

Building materials manufacturers operating through marketplaces benefit from Balance's infrastructure. Their platform research indicates that offering trade credit leads to significant increases in customer spending and acquisition.

11. Rillion

Rillion provides AP and payment automation for building materials manufacturers with multiple distribution centers or international entities. Their Riley AI Assistant enables natural language queries about payments and suppliers without switching screens. Rillion's multi-entity management provides a single dashboard for managing payments across locations and subsidiaries. Their virtual card payments with rebates can turn AP into a revenue opportunity through transaction rebates.

Key Features

• Riley AI Assistant for instant payment/invoice queries
• Multi-entity management for single dashboard control
• Virtual card payments with rebates
• Automated payment reconciliation

12. PayPal Business

PayPal Business offers instant brand trust and simple setup for smaller building materials manufacturers just starting with digital payments. Their global recognition reduces buyer friction while providing reliable payment processing. PayPal's established global brand provides instant customer confidence, while their simple setup requires minimal technical requirements. Buyer and seller protection programs add security for both parties.

Key Features

• Global reach and instant brand trust
• Quick setup process with minimal technical requirements
• Buyer and seller protection programs
• Simple invoicing and multi-currency support

Smaller building materials manufacturers benefit from PayPal's established trust and widespread customer familiarity. It's ideal for businesses looking for dependable and easy-to-use payment options without complex implementation.

Making Your Choice: Essential Considerations

Risk Management Strategy

The critical distinction between platforms is recourse vs. non-recourse financing. Resolve Pay offers 100% non-recourse financing, eliminating all credit risk while advancing payment. This model provides manufacturers with complete protection against customer defaults—what you receive is always yours to keep, regardless of whether customers pay.

Industry Specialization Matters

Building materials manufacturing has unique requirements including Net 60-90 terms, high transaction values, and complex supply chains. Platforms like Billtrust (20+ years in building materials) and Resolve Pay (manufacturing-specific capabilities) understand these nuances. According to Accenture research, B2B payment providers with industry-specific expertise deliver significantly better outcomes for specialized sectors.

Implementation Timeline vs. Complexity

SMB-friendly platforms like Bill.com and PayPal offer quick setup (1-2 weeks). Enterprise platforms like HighRadius provide comprehensive capabilities but require 3-6 months implementation. Resolve Pay strikes a balance with 1-2 week implementation and manufacturing-specific features.

Integration Requirements

Ensure your chosen platform integrates with your existing ERP and accounting systems. Resolve Pay offers seamless integration with QuickBooks, Oracle, NetSuite, Sage Intacct, Magento, Shopify, BigCommerce, and WooCommerce—covering most manufacturing technology stacks.

Why Resolve Pay Stands Out for Building Materials Manufacturers

Building materials manufacturers need payment solutions that remove credit risk and speed cash flow. Resolve Pay provides 100% non-recourse financing, advancing up to 90% of invoice value within 24 hours while assuming all customer default risk—so you keep the funds with zero liability if buyers don’t pay. This is crucial for high-dollar orders common in the industry, where a single $100K+ delinquency can disrupt operations, purchasing, payroll, and supplier commitments during peak season, without tying up credit lines or covenants.

Resolve also streamlines accounts receivable. AI-driven workflows can cut AR workload dramatically (Archipelago Lighting reported a 90% reduction) and manufacturers often see 50–60% DSO improvement, accelerating cash conversion without more headcount. Offering net terms through Resolve typically lifts order values about 40% because buyers can purchase more inventory and materials at once. Built for manufacturing, it supports Net 60–90, transactions up to $500K, white-label portals, and ERP integrations like QuickBooks, Oracle, and NetSuite, so you keep relationships; Resolve runs the backend.

Frequently Asked Questions

How can offering net terms benefit my building materials manufacturing business?

Offering net terms can significantly increase sales by providing buyers with the financial flexibility they need for large purchases. Manufacturers report up to 40% average order increases when offering Net 60-90 day payment terms to customers. This approach is particularly effective in building materials where large, project-based purchases are common. With platforms like Resolve Pay offering non-recourse financing, you can extend these terms while maintaining zero credit risk and receiving advance payment within 24 hours.

What are the primary B2B payment challenges faced by building materials manufacturers?

Building materials manufacturers face unique challenges including extended payment cycles (Net 60-90 days standard), high transaction values ($50K-$500K per order), and complex supply chain financing needs. Nearly half of all B2B invoices in the sector are currently overdue, creating significant cash flow challenges that threaten growth and supplier relationships. The combination of large transaction values and extended terms creates substantial working capital constraints that specialized payment platforms can help address.

How does AI automation in B2B payments help manage complex invoices?

AI automation streamlines complex invoice processing by automatically matching invoices to purchase orders, sending payment reminders, and reconciling payments. Resolve Pay's AI-powered accounts receivable automation can reduce AR workload by up to 90% while handling various invoice structures common in manufacturing, from net terms to COD to due upon receipt. This automation eliminates manual data entry, reduces errors, and accelerates cash application.

Is non-recourse invoice financing suitable for large-scale construction projects?

Yes, non-recourse invoice financing is particularly well-suited for large-scale construction projects where payment risks are highest. Resolve Pay's non-recourse model means you receive advance payment (up to 90% of invoice value) within 24 hours, but have zero liability if customers default. This protection is crucial for large transactions typical in building materials manufacturing, where a single default could significantly impact business operations.

How can Resolve help me manage the credit risk associated with offering net terms to my customers?

Resolve eliminates credit risk entirely through its 100% non-recourse financing model. The platform handles credit assessment, credit decisions, and collections while assuming all risk of late payments or defaults. Their free business credit checks use proprietary AI models and expert analysis to evaluate buyer creditworthiness, and all cash advances are non-recourse so what you get is always yours to keep, regardless of customer payment outcomes.