Office supplies distributors face a unique cash flow paradox: customers expect 30-60 day payment terms, but you need immediate capital to purchase inventory and cover operations. With the global B2B payments market projected to reach $97.88 trillion in 2025, finding the right payment platform is critical for survival. The right solution must offer net terms financing without exposing you to credit risk, integrate seamlessly with your existing systems, and accelerate cash flow. Resolve Pay's B2B Payments Platform addresses these challenges by combining embedded credit expertise, invoice financing, and payment processing in a single solution designed specifically for distributors.
Resolve Pay stands alone as the only platform offering true non-recourse net terms financing specifically designed for B2B distributors. Unlike traditional payment processors that merely move money, Resolve Pay acts as your "credit team on tap," assuming the credit risk while providing immediate liquidity.
Resolve's platform combines three previously separate resources into a single solution: embedded credit expertise, embedded invoice financing, and embedded payments. When you offer net terms to customers, Resolve underwrites them in real-time using AI models that evaluate thousands of data points, then advances up to 90% (and in some cases up to 100% for approved invoices) within ~24 hours. Most critically, this financing is non-recourse—Resolve assumes the majority risk of late payments or defaults, making it a truly risk-free way to offer net terms.
The platform's AI-powered credit decisioning engine processes applications in real-time, enabling you to approve customers instantly rather than waiting days or weeks for traditional credit checks. This speed advantage helps you close deals faster while maintaining rigorous risk management standards.
Resolve Pay delivers comprehensive features designed specifically for the unique challenges of office supplies distribution:
Resolve has helped distributors across industries achieve significant growth. Archipelago tripled their revenue by leveraging Resolve's net terms capabilities to compete more effectively against larger competitors. SSSI achieved 5x revenue growth while maintaining healthy cash flow and minimizing credit risk exposure.
These results demonstrate how the right payment platform can transform from a back-office necessity into a strategic growth driver. By removing the capital constraints and credit risks that typically limit distributor growth, Resolve enables businesses to say "yes" to more customer opportunities.
Implementation typically takes days to weeks depending on your existing systems and integration requirements. The platform offers competitive pricing based on risk assessment and transaction volume, with the non-recourse protection providing significant value compared to traditional factoring or credit insurance solutions.
Best For: Distributors of all sizes who want to offer net terms without assuming credit risk, from emerging businesses to established enterprises
WizPay is purpose-built for wholesale and distribution businesses, offering deep integration with WizCommerce's B2B commerce ecosystem. The platform understands wholesale-specific workflows like customer-specific pricing, bulk ordering, and complex catalogs.
WizPay excels at handling the complex pricing structures common in office supplies distribution, where different customers may have negotiated rates for the same products. The platform's native integration with wholesale commerce features eliminates the need for custom development or middleware solutions.
Bill.com has become a popular solution for small to mid-sized businesses seeking straightforward payment automation without lengthy implementation. With over 500,000 businesses and significant annual payment volume, Bill.com offers enterprise-grade reliability in an SMB-friendly package.
Bill.com's extensive vendor network creates immediate value—connecting to millions of vendors means faster payment setup and reduced administrative overhead. The platform's SMB-optimized design makes it accessible for distributors without dedicated IT or finance teams.
Stripe represents the industry gold standard for payment infrastructure, with unmatched global reach and technical reliability. Processing approximately $1.4 trillion in payment volume for millions of businesses, Stripe offers the backbone infrastructure that many other platforms build upon.
Stripe excels at payment processing with technical reliability and global reach, making it valuable for distributors with international customers or complex technical requirements. The platform's extensive API capabilities enable custom workflows and integrations tailored to specific business needs.
TreviPay brings over 40 years of expertise in B2B payments and trade credit to enterprise distributors with global operations. With significant annual B2B trade volume processed across 30+ countries, TreviPay offers sophisticated solutions for complex international operations.
TreviPay excels for large office supplies distributors expanding internationally or operating B2B marketplace models. The platform's global compliance expertise and localized invoicing capabilities are valuable for cross-border operations managing multiple currencies and regulatory requirements.
Versapay specializes in AR automation with payment processing, offering interchange optimization capabilities that can reduce payment processing costs for distributors with high credit card volumes.
For office supplies distributors dealing with high credit card payment volumes, Versapay's interchange optimization can reduce transaction costs. The platform's deep integration expertise makes it valuable for distributors in wholesale manufacturing and logistics sectors.
HighRadius offers a comprehensive enterprise autonomous finance platform, covering Order-to-Cash, treasury, and Record-to-Report with numerous AI agents orchestrated on a single platform.
HighRadius is designed for large office supplies distributors needing end-to-end financial operations automation. The platform's guaranteed outcomes through contractual agreements provide measurable ROI assurance for enterprise investments.
Paystand promotes a subscription-based model that can reduce or eliminate per-transaction fees for eligible bank payments via its network, making it particularly valuable for high-volume distributors.
For office supplies distributors with high transaction volumes, Paystand's zero-fee model can impact margins compared to traditional percentage-based transaction fees. The platform's payment efficiency improvements enhance cash flow through real-time processing capabilities.
Implementation: 2-3 weeks
Pricing: Zero transaction fees on bank payments
Best For: High-volume distributors seeking to eliminate transaction fees and improve cash flow
Billtrust represents a mature enterprise AR solution with over 24 years of experience and significant invoice value processed annually. As an early adopter of generative AI in accounts receivable, Billtrust offers substantial depth for complex operations.
Billtrust excels for large office supplies distributors with complex multi-entity operations and dedicated AR teams. The platform's AI-powered AR innovation and reconciliation accuracy make it suitable for enterprises managing high-volume, complex receivables.
PayPal Business offers an accessible entry point for small office supplies distributors, leveraging universal brand recognition and customer trust to boost conversion rates with minimal technical resources.
PayPal's ease of use and universal recognition make it accessible for small distributors starting with online payments. The platform's buyer protection programs can reduce transaction disputes while maintaining customer confidence.
Selecting the optimal payment platform requires careful consideration of your specific business needs, growth trajectory, and operational requirements. For office supplies distributors, the decision extends beyond simple payment processing to encompass critical factors like credit risk management, cash flow optimization, and customer experience.
Resolve Pay addresses the most pressing challenge facing distributors: offering competitive net terms while eliminating bad debt risk. The platform's non-recourse financing model protects your business from customer defaults while providing immediate liquidity, transforming payment terms from a liability into a competitive advantage. With demonstrated results including revenue tripling and 5x growth achievements, Resolve Pay delivers measurable impact for distributors at every scale.
The integration capabilities matter significantly for operational efficiency. Platforms offering seamless connections to your existing ERP and accounting systems eliminate manual data entry errors and provide real-time visibility into cash flow. Whether you're using QuickBooks for basic accounting or NetSuite for comprehensive enterprise resource planning, the right platform should enhance rather than complicate your existing workflows.
For distributors ready to accelerate growth while maintaining healthy cash flow, evaluating platforms based on non-recourse financing capabilities, distribution-specific features, and proven customer outcomes provides the clearest path to success. The ability to offer net terms confidently, knowing your capital and credit risk are protected, creates opportunities to win larger customers and increase order volumes.
Specialized platforms like Resolve Pay offer non-recourse net terms financing, where the platform assumes the credit risk of customer defaults while advancing up to 100% of invoice value within 24 hours. This eliminates bad debt risk while allowing you to offer competitive net terms that drive sales growth. The non-recourse structure means what you receive is yours to keep, regardless of whether your customer ultimately pays.
Office supplies distributors should prioritize seamless integration with their existing ERP and accounting systems. Look for native connections to QuickBooks, NetSuite, Xero, and ecommerce platforms like Shopify and BigCommerce. The best platforms automatically sync transaction data in real-time, eliminating manual data entry and reconciliation errors while providing accurate financial visibility.
Yes. Platforms like Resolve Pay and Bill.com level the playing field by providing small distributors with sophisticated payment and credit capabilities previously available only to large enterprises. This allows smaller businesses to offer competitive net terms, accept multiple payment methods, and automate AR processes—key advantages that help them win and retain customers against larger competitors.
Non-recourse financing means the payment platform assumes the majority risk of late payments or customer defaults. For office supplies distributors operating on thin margins, this eliminates the catastrophic impact of bad debt while allowing them to offer net terms that drive sales growth. As Resolve Pay demonstrates, all cash advances are non-recourse, ensuring what you receive is always yours to keep regardless of customer payment outcomes.
Modern B2B payment platforms support multiple payment methods including ACH, wire transfers, credit cards, and checks. Advanced platforms like Resolve Pay offer branded payment portals where customers can choose their preferred method, with credit card fees typically passed on to the buyer. This flexibility accommodates diverse customer preferences while maintaining professional payment experiences that reflect your brand.
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.