Best B2B Payment Platforms for Dental Equipment & Supplies Distributors

Dental equipment distributors face a unique payment paradox: dental practices need 60-90 day payment terms to afford $50,000-$200,000 equipment purchases, but waiting that long for payment destroys distributor cash flow. With many medical and dental equipment invoices reaching six figures—often far higher than typical B2B purchases—dental equipment distributors require specialized payment infrastructure that goes beyond standard credit card processing. For distributors 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

• Dental equipment distributors need B2B payment platforms that handle high-value transactions ($50K-$200K+), support extended payment terms, and eliminate credit risk while maintaining cash flow
• Non-recourse financing solutions like Resolve Pay eliminate credit risk completely while providing instant approvals and rapid funding, directly addressing the dental industry's extended payment cycle challenges
• AI-powered payment platforms can deliver instant credit decisions and automated cash application with high match rates, reducing manual reconciliation for complex dental equipment invoices
• Industry-specific platforms offer specialized features like dental practice management system integrations, AR automation, and security/compliance documentation controls
• Portable payment acceptance solutions are essential for distributors with field sales teams attending trade shows or conducting on-site demonstrations at dental practices
• Comprehensive AR automation with seamless ERP integration enables dental equipment distributors to manage the entire credit-to-cash lifecycle efficiently

1. Resolve Pay - AI-Powered Non-Recourse B2B BNPL

Resolve Pay offers dental equipment distributors a unique advantage: 100% non-recourse financing that eliminates credit risk while providing approvals within hours (often within 24 business hours) and 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 distributors to offer net terms without jeopardizing their cash flow.

Best For

Dental equipment distributors 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 instant credit decisions with up to 100% invoice advance
• Enterprise ERP integration supporting QuickBooks, Oracle, and NetSuite
• Automated AR workflow with payment reminders and collections management
• 24-hour funding cycles that address extended payment term challenges
• Seamless integration with Accounts Receivable with AI-Powered Automation

Dental Relevance

Resolve's platform is particularly valuable for dental equipment distributors who need to extend credit to dental practices 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 dental practices often requiring flexible terms to purchase expensive equipment like X-ray machines, chairs, and sterilization systems, having a solution that manages the entire credit-to-cash lifecycle is essential.

The non-recourse nature of Resolve's financing means dental distributors can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the dental supply sector where building long-term relationships with practices often requires flexible credit terms. Resolve's free business credit checks enable distributors to make informed decisions quickly without customer interaction.

The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships. With the dental equipment industry experiencing consistent growth driven by technological advancements and aging populations requiring more dental care, having payment infrastructure that scales with business growth becomes increasingly critical.

2. Billtrust

Billtrust serves thousands of companies globally, with proven success specifically in the medical equipment sector. Their platform combines digital lockbox technology with AI-powered cash application that achieves 86.3% match rates, significantly reducing manual reconciliation for complex dental equipment invoices.

Large dental equipment distributors with complex AR needs and high transaction volumes.

Key Features

• Digital Lockbox for automated virtual card processing from AP provider portals
• AI-powered cash application with 86.3% match rates
• Level 2/3 card data capture reducing interchange fees by up to 30%
• Productivity increases for operations teams through automation

Billtrust's medical equipment expertise demonstrates real-world value for dental distributors. Given that dental equipment transactions regularly reach six figures, their specialized handling of high-value transactions provides significant operational efficiency and cost savings.

3. Stripe

Stripe offers extensive developer tools and API documentation among payment platforms, supporting 135+ currencies for global dental supply chains. Their robust fraud prevention and deep integration capabilities make them suitable for custom dental distributor workflows.

Dental equipment distributors with in-house development teams needing robust global payment processing with extensive customization.

Key Features

• Extensive developer tools and API documentation
• Global payment acceptance in 135+ currencies
• Deep integration capabilities with customization options
• Robust fraud prevention with global reach
• Comprehensive subscription billing for equipment-as-a-service models

Dental equipment distributors often require custom integrations with internal systems, dental practice management software, and specialized workflows. Stripe's extensive APIs enable these customizations while their global reach supports international dental supply chains and sales operations. Their subscription billing capabilities are ideal for equipment leasing, maintenance contracts, and auto-replenishment of consumable supplies.

4. Square

Square provides portable payment acceptance that's critical for dental equipment distributors who sell at trade shows, conferences, or conduct on-site demonstrations at dental practices. Their hardware arrives ready to use with no merchant account complexity, operating via WiFi or cellular connections.

Dental equipment distributors with field sales teams attending trade shows or conducting on-site demos at practices.

Key Features

• Multiple hardware options (readers, terminals, POS) for trade shows and demonstrations
• Quick setup works via WiFi or cellular—ideal for trade shows
• EMV chip and contactless payments (Apple Pay, Google Pay)
• No monthly fees on basic plans

The dental equipment industry heavily relies on trade shows like the Chicago Dental Society Midwinter Meeting and hands-on demonstrations at practices. Square's portable payment acceptance enables immediate payment processing during these critical sales moments without complex setup or monthly fees. This immediacy is essential when closing high-value equipment deals on the spot.

5. PayPal Business

PayPal Business leverages strong buyer trust and brand recognition in payment processing, making it ideal for dental practices that prefer established, trusted payment methods for high-value equipment purchases. Their dispute resolution system provides built-in protection for both buyers and sellers.

Small-to-midsize dental distributors who want to accept online payments quickly, leveraging PayPal's brand trust to improve conversion rates.

Key Features

• Instant brand recognition and trust from dental practice buyers
• Fast implementation with website buttons, mobile SDKs, and APIs
• Buyer and seller protection programs reduce transaction risks
• International payments with competitive currency conversion

Dental practices are already familiar and comfortable with PayPal from personal use, making them more likely to complete high-value equipment purchases when PayPal is available as a payment option. The fast implementation allows small-to-midsize distributors to quickly add trusted payment processing to their websites without extensive technical resources.

6. Bill.com (BILL)

Bill.com offers AP/AR automation with an extensive vendor network, facilitating fast payments when dental practices are already in their network. Their platform integrates with QuickBooks, Xero, NetSuite, and Sage Intacct, reducing duplicate data entry between payment and accounting systems.

Small-to-midsize dental distributors who need AP/AR automation plus payment processing in one platform, especially those already using QuickBooks.

Key Features

• Extensive vendor network facilitates instant setup when practices are already enrolled
• Integrates with QuickBooks, Xero, NetSuite, and Sage Intacct
• Supports ACH, virtual card, and international wire transfers
• Online portal tracks paid vs. pending invoices for visibility
• Custom pricing available based on business needs

Many dental practices already use Bill.com for their own AP processes, creating an instant connection when distributors join the network. This eliminates the need for practice onboarding and accelerates payment processing. The accounting integration is particularly valuable for dental distributors managing both large equipment sales and recurring consumable orders.

7. Helcim

Helcim provides transparent interchange-plus pricing with no hidden fees or long-term contracts, offering complete fee breakdowns that eliminate hidden costs common with traditional processors. Their month-to-month flexibility and fast deposits (typically 1–2 business days for card payments, with next-business-day options for eligible merchants) improve cash flow predictability.

Cost-conscious dental distributors who want predictable, transparent pricing without long-term contracts or hidden fees.

Key Features

• Interchange-plus pricing shows exactly what card networks charge
• No long-term contracts—month-to-month flexibility
• Next-day deposits for improved cash flow
• Merchant buyout program with financial incentives for switching
• No hidden fees or complex pricing structures

Dental equipment distributors often get locked into expensive contracts with traditional processors that don't reflect their actual transaction volumes or types. Helcim's transparent pricing allows distributors to see exactly what they're paying and switch without penalties if their needs change. This cost predictability is essential when managing the margin pressures common in dental supply distribution.

8. Tipalti

Tipalti processes payments in multiple currencies across numerous countries with built-in tax compliance, making them valuable for dental distributors who source equipment internationally or sell across borders. Their automated W-8/W-9 collection and 1099 reporting handle cross-border tax requirements automatically.

Dental distributors who source equipment internationally (importing from Europe, Asia) and need automated cross-border payments with built-in tax compliance.

Key Features

• Processes payments in multiple currencies across numerous countries
• Built-in tax compliance (W-8/W-9 collection, 1099 reporting)
• Self-service vendor portal streamlines international supplier onboarding
• Fraud monitoring identifies potential risks in vendor data
• Automated compliance for cross-border transactions

Many dental equipment distributors import specialized equipment from European and Asian manufacturers, requiring complex international payments and tax compliance. Tipalti's automated compliance eliminates the manual burden of managing cross-border tax requirements while their fraud monitoring protects against international payment risks. This is essential for maintaining smooth supply chains with global manufacturers.

Choosing the Right B2B Payment Platform for Your Dental Supply Business

Selecting the right B2B payment platform for dental equipment distribution requires careful evaluation of your specific operational needs, transaction volumes, and growth trajectory. The dental supply industry's unique challenges—including high-value transactions, extended payment terms, field sales requirements, and complex inventory management—demand payment solutions purpose-built for these requirements.

For dental equipment distributors 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 distributors to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with dental practices who expect flexible payment options for expensive equipment purchases.

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

According to industry research, dental practices continue to invest in advanced technology and equipment to meet patient demand for modern dental care. As dental practices increasingly expect flexible payment terms to manage their own cash flow constraints, having a B2B payment platform that transforms payment terms from a liability into a sales growth tool becomes increasingly critical. Whether you're a large enterprise distributor processing high transaction volumes or a growing dental supply 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

How can B2B payment platforms address the long payment cycles common in the dental equipment industry?

Platforms like Resolve Pay address the dental industry's extended payment terms by advancing up to 100% of invoice value within 24 hours while customers maintain their standard payment terms. This non-recourse financing model eliminates the cash flow strain without requiring dental practices to change their payment behavior. The distributor receives immediate funding while the payment platform manages credit risk and collections.

What role does AI play in modern B2B payment solutions for dental equipment distributors?

AI powers instant credit decisions, automated cash application with high match rates, and intelligent payment routing for higher approval rates. For dental equipment distributors, AI reduces manual processing of complex invoices and accelerates credit decisions from days to seconds. This automation enables faster order fulfillment and improved customer experience while reducing administrative overhead on AR teams.

How can implementing a B2B payment platform improve cash flow for dental equipment distributors?

B2B payment platforms improve cash flow through invoice financing, automated AR workflows that reduce DSO (Days Sales Outstanding), and interchange optimization that reduces processing fees. Platforms offering non-recourse financing provide immediate access to capital while eliminating credit risk. Additionally, automated collections management and payment reminders reduce the time and resources required to manage accounts receivable.

What security and compliance features should dental equipment distributors look for in a payment platform?

Dental equipment distributors should prioritize platforms offering PCI DSS compliance, HIPAA compliance capabilities, and robust fraud prevention systems. Look for features like tokenization, encrypted data transmission, secure API integrations, and comprehensive audit trails. Platforms with healthcare industry experience demonstrate their understanding of dental regulatory requirements and commitment to maintaining appropriate security standards.

Can B2B payment platforms integrate with existing dental practice management systems and ERPs?

Yes, leading B2B payment platforms offer native integrations with major ERP systems commonly used in dental distribution, including QuickBooks, NetSuite, Oracle, and Sage Intacct. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation. When evaluating platforms, verify that they support your specific systems and understand the depth of integration available—some platforms offer basic data export while others provide comprehensive two-way synchronization with automated workflows.

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.