Best B2B Payment Platforms for Metal Fabrication Companies

Across industries, late payments are common—surveys show that roughly 40%+ of B2B credit sales can become overdue, and the metal fabrication sector is no exception—costing fabricators millions in delayed cash flow and forcing difficult decisions between paying suppliers and making payroll. The metal fabrication industry faces unique payment challenges: high-value equipment purchases ($50K-$500K+), complex supply chains spanning international suppliers, extended payment cycles (60-90 days standard), and integration needs with manufacturing ERPs like SAP and Oracle. Resolve Pay solves these challenges by offering a comprehensive non-recourse net terms financing platform that advances up to 100% of invoice value within 24 hours while providing a complete accounts receivable automation solution with AI-powered workflows.

Key Takeaways

• Metal fabricators extending net terms on high-value equipment face significant cash flow strain and credit risk that traditional payment processors cannot address
• Non-recourse financing eliminates bad debt risk entirely while providing immediate cash flow, with platforms advancing up to 100% of invoice value within 24 hours
• AI-powered credit decisions evaluate thousands of data points to approve buyers in as little as 24 hours, replacing manual underwriting processes
• Native ERP integrations with QuickBooks, Oracle, NetSuite, and SAP automate the entire workflow from credit check to payment reconciliation
• Research from Harvard Business Review shows increasing customer retention by just 5% can boost profits by 25% to 95%
• Leading platforms report 90% AR workload reduction and 50-60% DSO improvement for metal fabrication clients
• Global payment capabilities support multi-currency transactions and international supplier networks essential for modern metal fabrication operations

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

Resolve Pay has transformed B2B payments for metal fabrication companies by providing non-recourse net terms financing that eliminates credit risk while delivering immediate cash flow. The platform functions as your embedded credit team, underwriting buyers and advancing payment upfront on approved invoices—addressing the fundamental challenge metal fabricators face when extending 30-90 day terms on expensive equipment and materials.

What Makes Resolve Pay Different 

Resolve's platform combines AI-powered credit decisions with non-recourse financing, creating a comprehensive solution that completely eliminates bad debt risk for metal fabricators. The platform offers free business credit checks with 24-hour turnaround, advancing up to 100% of invoice value within 24 hours of billing. This B2B net terms solution integrates seamlessly with manufacturing ERPs and e-commerce platforms, automating the entire workflow from credit check to payment reconciliation.

The non-recourse financing model means Resolve assumes all credit risk—if your customer defaults, you keep the advanced payment with zero liability. This fundamental difference separates Resolve from traditional payment processors that simply move money after customers pay. For metal fabricators processing high-value transactions, this risk elimination provides the confidence to extend competitive payment terms without jeopardizing cash flow or balance sheet health.

Metal Fabrication Results

Metal fabrication companies using Resolve Pay report transformative operational improvements:

• 90% AR workload reduction, freeing staff from collections activities
• 50-60% DSO improvement, accelerating cash conversion cycles
• 100% upfront funding on approved invoices, eliminating cash flow gaps
• Zero liability if customers default through non-recourse protection

These results reflect the platform's ability to address the specific pain points metal fabricators face: high-value transactions requiring extended terms, complex buyer relationships, and the need to maintain working capital for materials and equipment purchases.

Key Features for Metal Fabricators

• AI-powered credit decisions evaluating thousands of data points for 24-hour approvals
• Native integrations with QuickBooks, Oracle, NetSuite, SAP, and manufacturing ERPs
• Branded payment portal accepting ACH, credit cards, wire transfers, and checks
• Automated collections and payment reminders reducing manual follow-up
• Free business credit checks requiring only company name and address
• Comprehensive reporting and cash flow visibility dashboards
• Dedicated account management and customer support

Implementation

Resolve Pay typically implements in 1-2 weeks with a dedicated onboarding team that guides metal fabricators through integration with existing systems. The platform's API-first architecture enables seamless connectivity with manufacturing ERPs and accounting software, ensuring data flows automatically without manual entry.

The solution is designed for metal fabricators with $1M+ annual revenue needing to offer net terms without cash flow impact or credit risk. Resolve Pay's competitive pricing structure and non-recourse model make it accessible for growing fabrication operations looking to scale without proportionally increasing financial risk.

2. TreviPay

TreviPay brings over 40 years of B2B payment expertise specifically to the manufacturing sector, offering a comprehensive payments network that handles everything from credit line management to payment processing for metal fabricators. TreviPay's platform is built exclusively for B2B trade, processing a high volume of invoices annually across a large network of buying and selling entities. The white-label solution allows metal fabricators to offer branded payment experiences while leveraging TreviPay's established credit infrastructure and manufacturing expertise.

Key Features for Metal Fabricators

• Flexible payment terms with integrated credit line management
• White-label customization for branded customer experience
• Direct ERP/CRM/eCommerce integrations
• Multi-currency support for international suppliers
• Manufacturing-specific workflows and approval processes

Implementation: Enterprise implementation timeline varies based on complexity

3. Billtrust

Billtrust delivers enterprise-grade accounts receivable automation processing $1 trillion in receivables annually with 24+ years of AR expertise specifically designed for complex manufacturing operations. Billtrust's AI-powered cash application achieves 90%+ match rates, dramatically improving cash flow visibility for metal fabricators processing high invoice volumes. The platform integrates with 40+ ERP and bank systems while offering agentic VoIP for automated collections calls and sophisticated dunning workflows.

Key Features for Metal Fabricators

• AI-powered cash application with 90%+ match rates
• 40+ ERP/bank connectors including SAP, Oracle, and Microsoft Dynamics
• Agentic VoIP for automated collections
• Multi-level approval workflows for complex customer hierarchies
• Comprehensive AR insights dashboard

Implementation: Enterprise timeline with dedicated implementation team

4. Paystand

Paystand offers a zero-fee B2B payment network specifically designed for manufacturers, leveraging blockchain infrastructure to eliminate transaction fees on bank-to-bank payments while providing tamper-proof audit trails. Paystand's subscription-based model eliminates per-transaction fees that can add up significantly for metal fabricators processing high-value equipment purchases. The platform's Paystand Bank Network allows manufacturers to reduce transaction costs to 49% while maintaining full payment functionality.

Key Features for Metal Fabricators

• Zero fees on bank-to-bank payments
• Blockchain-certified payments for immutable audit trails
• Manufacturing-specific workflows and approvals
• Multi-currency support for international suppliers
• Comprehensive AR automation with payment processing

Implementation: Typically 2-4 weeks

5. Stripe

Stripe provides global payment infrastructure with 99.999% uptime and support for 135+ currencies, making it suitable for metal fabricators with international customers or complex integration needs. Stripe processed $1.4 trillion in payments in 2024 with developer-friendly APIs that handle 10K+ API requests per second. The platform's technical reliability and global reach make it a foundation for many B2B payment solutions, including custom-built systems for metal fabricators.

The platform holds a 4.7/5 rating on Merchant Maverick and powers industry leaders like Shopify, Uber, and Amazon, with 34.22% market share in payment management.

Key Features for Metal Fabricators

• 99.999% historical uptime reliability
• 135+ currencies and 100+ payment methods
• Developer-friendly APIs with extensive documentation
• Native ERP integrations through partners
• Advanced fraud detection and security

Implementation: Developer-dependent timeline

6. Tipalti

Tipalti specializes in global accounts payable automation, making it suitable for metal fabricators with international supplier networks requiring complex tax compliance and multi-currency payments. As a licensed Money Services Business (MSB), Tipalti can approve accounts in days rather than weeks, processing payments to 200+ countries in 120+ currencies via 50+ payment methods. The platform includes automated tax compliance with KPMG-approved built-in tax engines.

The platform has earned recognition as an IDC MarketScape Leader in AP Automation and Forbes Fintech 50, with customers reporting around 80% reduction in AP processing time.

Key Features for Metal Fabricators

• Global payments to 200+ countries in 120+ currencies
• Automated tax compliance (W-8/W-9, 1099 reporting)
• Self-service supplier portal for vendor management
• AI-powered invoice processing and PO matching
• Manufacturing-specific workflows and approvals

Implementation: Typically 4-8 weeks

7. BILL (Bill.com)

BILL offers comprehensive AP/AR automation for small to mid-sized metal fabrication shops, featuring over 8 million businesses in their network that enables electronic payment connectivity.

BILL processes $345 billion in annual payment volume with solutions designed specifically for teams without dedicated finance departments. The platform combines AP and AR automation in a single interface with seamless accounting software integration.

Key Features for Metal Fabricators

• Combined AP + AR automation in single platform
• Extensive business network for instant connectivity
• Two-way sync with QuickBooks, NetSuite, Xero, Microsoft Dynamics
• Mobile app for approval workflows
• Simple setup for non-technical teams

Implementation: Typically 1-2 weeks

8. Versapay

Versapay delivers mid-market AR automation with Payment Facilitator (PayFac) status, enabling faster onboarding and estimated 40% credit card fee reduction through L2/L3 data capture. Versapay's PayFac status allows for fast onboarding regardless of payment complexity, while their L2/L3 data capture can reduce credit card processing fees for metal fabricators processing high-value transactions. The platform offers native ERP integrations specifically designed for wholesale manufacturing.

Key Features for Metal Fabricators

• Native ERP integrations (NetSuite, Intacct, QuickBooks, Microsoft Dynamics)
• L2/L3 data capture for interchange optimization
• Credit card surcharging capabilities
• Mid-market B2B specialization
• Comprehensive AR automation with payment processing

Implementation: Typically 2-4 weeks

9. WizPay by WizCommerce

WizPay delivers seamless payment integration within a complete B2B commerce ecosystem, designed for metal fabricators running wholesale operations alongside custom fabrication. WizPay is built for catalog-driven, customer-specific pricing models common in wholesale metal distribution. The platform integrates payments directly with product catalogs, orders, and customer-specific pricing within the WizCommerce ecosystem.

Key Features for Metal Fabricators

• Secure payment storage with PCI-DSS compliance
• Multiple payment methods (ACH, cards, cash records, flexible credit terms)
• Seamless integration with WizShop and WizOrder
• Catalog-driven pricing and payment workflows
• Customer-specific payment terms and credit management

Implementation: Typically 2-3 weeks

10. Airwallex

Airwallex provides international payment capabilities with competitive mid-market exchange rates and multi-currency accounts, designed for metal fabricators sourcing raw materials globally. Airwallex offers interbank exchange rates without markups and supports payments to 200+ countries with virtual cards for supplier payments. The platform's API-first design enables custom integration for complex international payment workflows.

Key Features for Metal Fabricators

• Global multi-currency wallets with 200+ country support
• Dynamic FX rate optimization with transparent pricing
• Developer-friendly APIs for programmable payment flows
• Virtual cards for supplier payments
• Accounting software integration for reconciliation

Implementation: Typically 1-2 weeks

11. Melio

Melio offers a straightforward path to digital payments for small metal fabrication shops, eliminating paper checks with free bank transfers and easy accounting software integration. Melio eliminates the complexity of traditional payment platforms with an interface designed for small business owners without finance teams. The platform can reduce processing time significantly while maintaining full payment functionality.

Key Features for Metal Fabricators

• Free bank transfers for paying suppliers
• Eliminates paper checks with digital payment methods
• Schedule payments in advance with centralized dashboard
• Accounting software integration
• Simple setup for non-technical users

Implementation: Same-day setup possible

12. PayPal Business

PayPal Business leverages universal brand trust to provide instant customer confidence for small metal fabricators implementing B2B digital payments. PayPal's global recognition provides instant trust with customers who may be hesitant to enter payment information on unfamiliar platforms. The platform offers quick setup and built-in dispute resolution for small shops without dedicated payment infrastructure.

Key Features for Metal Fabricators

• Universal brand recognition and instant customer trust
• Buyer and seller protection programs
• Multi-currency support with international payments
• Quick setup for immediate use
• Built-in chargeback and complaint management

Implementation: Same-day setup

Why Resolve Pay Stands Out for Metal Fabrication Companies

For metal fabricators facing the dual challenge of extending competitive payment terms while maintaining healthy cash flow, Resolve Pay delivers a comprehensive solution that addresses both needs simultaneously. The platform's non-recourse financing model fundamentally changes the economics of offering net terms, eliminating the traditional trade-off between competitiveness and financial risk.

Metal fabrication companies choosing Resolve Pay gain access to the industry's most sophisticated credit decisioning technology, with AI-powered business credit checks that evaluate thousands of data points in 24 hours or less. This speed and accuracy enable fabricators to respond to customer inquiries with confidence, approving buyers quickly while maintaining rigorous underwriting standards.

The platform's native integrations with manufacturing ERPs like SAP, Oracle, NetSuite, and QuickBooks ensure seamless data flow throughout your operations. From initial credit check through invoice generation, payment processing, and reconciliation, Resolve automates the entire accounts receivable workflow—delivering the 90% AR workload reduction and 50-60% DSO improvement that transform finance operations.

Beyond automation, Resolve Pay's non-recourse financing provides metal fabricators with the confidence to pursue larger customers and higher-value projects. When you advance up to 100% of invoice value within 24 hours with zero liability for customer defaults, you eliminate the cash flow constraints that often limit growth. This financial flexibility enables fabricators to accept purchase orders they might otherwise decline, invest in equipment and materials with certainty, and scale operations without proportionally increasing financial risk.

The complete accounts receivable automation solution includes branded payment portals that accept ACH, credit cards, wire transfers, and checks, providing customers with flexibility while maintaining your brand presence throughout the payment experience. Automated collections and payment reminders reduce the manual follow-up that consumes valuable staff time, while comprehensive reporting delivers real-time visibility into cash flow and customer payment behavior.

For metal fabrication companies ready to transform how they manage B2B payments and working capital, Resolve Pay offers the most comprehensive solution combining immediate cash flow, credit risk elimination, and complete AR automation in a single platform.

Frequently Asked Questions

How can a B2B payment platform improve cash flow for a metal fabrication company?

B2B payment platforms improve cash flow through multiple mechanisms. Platforms offering non-recourse financing, like Resolve Pay, advance up to 100% of invoice value within 24 hours, eliminating the 60-90 day wait for customer payment. Additionally, automated collections reduce DSO—metal fabricators using advanced platforms report 50-60% DSO improvement through systematic payment reminders and streamlined processes. Research from Bain & Company demonstrates that reducing payment cycles directly impacts working capital availability, enabling fabricators to invest in materials, equipment, and growth opportunities without cash flow constraints.

What are 'net terms' and why are they important for metal fabricators?

Net terms refer to payment arrangements where buyers have 30, 60, or 90 days to pay invoices after delivery. Metal fabricators must offer net terms to remain competitive, as buyers expect extended payment cycles for high-value equipment purchases ranging from $50K to $500K+. However, traditional net terms strain cash flow and create credit risk. Platforms like Resolve Pay solve this challenge by advancing payment upfront while assuming all credit risk through non-recourse financing, enabling fabricators to offer competitive terms without financial impact.

How does non-recourse financing benefit my metal fabrication business?

Non-recourse financing means the payment platform assumes all credit risk—if your customer defaults, you keep the advanced payment with zero liability. This is particularly valuable for metal fabricators extending net terms on expensive equipment, as it eliminates bad debt risk while providing immediate cash flow. Resolve Pay specializes in non-recourse financing with up to 100% advance rates, combining credit protection with complete working capital access. This enables fabricators to confidently extend terms to new customers and pursue larger projects without increasing financial risk.

Can B2B payment platforms integrate with existing accounting software like QuickBooks for metal fabricators?

Yes, modern B2B payment platforms offer extensive accounting software integration. Resolve Pay provides native integrations with QuickBooks, Oracle, NetSuite, SAP, and Microsoft Dynamics, automatically syncing all transactions and maintaining real-time financial records. These integrations eliminate manual data entry, reduce errors, and ensure your accounting system always reflects current receivables status. For metal fabricators using manufacturing-specific ERPs, platforms with native connectors provide the most seamless experience.

What implementation timeline should metal fabricators expect when adopting a new payment platform?

Implementation timelines vary by platform complexity and business requirements. Solutions like Resolve Pay typically implement in 1-2 weeks with dedicated onboarding support, including ERP integration and team training. Simpler platforms like Melio or PayPal Business can be set up same-day for basic functionality. Enterprise AR automation platforms like Billtrust may require 4-8 weeks for complex integrations across multiple systems. Metal fabricators should evaluate implementation requirements against urgency—companies needing immediate cash flow relief benefit from platforms offering rapid deployment with comprehensive features.