Best B2B Payment Platforms for Packaging & Shipping Supplies Distributors

Packaging and shipping supplies distributors face a cash-flow paradox: customers expect Net 30–90, while suppliers want immediate payment for materials. The wrong platform traps working capital and strains thin margins. B2B payments are a massive, fast-evolving market, yet many distributors still rely on checks and manual invoicing—often adding 30+ days to cash collection. Resolve Pay's B2B Payments Platform streamlines net terms, invoicing, and AI-powered reconciliation for high-volume, complex billing. We reviewed 20+ platforms and selected 9 strong options for 2026.

Key Takeaways

• Non-recourse financing eliminates bad debt risk for packaging distributors, allowing you to offer competitive net terms without liability if customers fail to pay
• AI-powered credit decisions can approve customers in seconds using just business name and address, enabling instant net terms at checkout
• Businesses offering net terms see up to 22% higher conversion rates compared to immediate payment requirements—critical for high-volume distribution
• Integrated platforms combining credit management, invoicing, and payments reduce operational complexity and eliminate data silos between systems
• Native ERP integrations with QuickBooks, NetSuite, and Sage Intacct streamline reconciliation and reduce manual data entry for distributors
• Advanced automation can reduce DSO by 10-35% and cut order processing time by up to 50%, freeing up working capital
• Enterprise solutions often target measurable KPI improvements—such as higher productivity and faster payment collection—depending on process maturity and adoption.

1. Resolve Pay - Non-Recourse Financing Leader

Resolve Pay stands out as the only platform offering 100% non-recourse financing for packaging and shipping distributors. This means you face zero liability if a customer fails to pay—eliminating bad debt risk entirely while still offering competitive net terms to your buyers.

What Makes Resolve Pay Different for Distributors

Resolve's platform combines embedded credit expertise, embedded invoice financing, and embedded payments into a single solution. For packaging distributors operating on tight margins, this integrated approach eliminates the need for multiple vendors while protecting cash flow.

The platform's AI-powered credit decisioning can evaluate buyers quickly—often in seconds—using lightweight business details, enabling faster approvals at checkout when eligible. This speed is critical for packaging distributors with online sales channels where cart abandonment costs sales. Traditional credit checks that take days create friction—Resolve removes that barrier completely.

Key Benefits for Packaging Distributors

• 100% non-recourse protection - what you get is always yours to keep, with zero liability for customer non-payment
• Transparent fee structure with no hidden costs typical of traditional factoring arrangements
• AI-powered credit decisions requiring only business name and address for instant approval
• Up to 90% advance payment within 24 hours of invoice approval, accelerating cash conversion
• Seamless integrations with QuickBooks, NetSuite, Shopify, and other platforms used by distributors
• Industry-specific expertise built for B2B distribution workflows and complex billing scenarios
• White-glove onboarding with dedicated support to ensure optimal configuration

Proven Results

Businesses using Resolve see 35% lower DSO, 2.5x sales growth, and 50% faster order processing, while net terms can boost conversions by up to 22% versus upfront payment. Unlike recourse factoring—where you repay unpaid invoices—Resolve’s 100% non-recourse financing fully transfers default risk and protects cash.

Specialized Features

Accounts Receivable with AI-Powered Automation streamlines credit, invoicing, and collections through intelligent workflows that reduce manual work by 40-50%. AI agents manage routine tasks and reduce friction in collections, allowing your team to focus on growth rather than payment chasing.

Business Credit Check delivers instant, data-rich credit decisions that go beyond traditional bureau data. The platform evaluates business creditworthiness using comprehensive data sources, enabling you to confidently extend terms to new customers while minimizing risk.

Net Terms Management handles every aspect from credit checks to collections. The platform automatically sends payment reminders, manages dunning sequences, and escalates overdue accounts—all while maintaining professional customer relationships that preserve future business.

For packaging distributors with ecommerce channels, Resolve's Net Terms for Ecommerce solution integrates directly into checkout, allowing qualified buyers to select net terms as a payment option alongside credit cards. This flexibility drives larger orders while maintaining cash flow through immediate advances.

Integration Ecosystem

Resolve integrates with the platforms distributors already use including QuickBooks, NetSuite, Sage Intacct, Magento, Shopify, and BigCommerce. These native connections eliminate manual data entry and ensure seamless synchronization between your payment platform, accounting system, and ecommerce platform.

Best For

Packaging distributors who want to offer net terms while eliminating credit risk and accelerating cash flow. Particularly valuable for businesses operating on thin margins where bad debt can significantly impact profitability, and for distributors looking to scale sales without proportionally scaling risk.

2. Billtrust

Billtrust has built its reputation specifically serving distributors, with 24+ years of AR tech expertise. The platform currently serves over 440 distribution companies, which collectively represent more than $748B in annual revenue, making it one of the most distributor-focused solutions available. Billtrust's Digital Lockbox automatically processes virtual card payments, while its L2/L3 card data capture reduces interchange fees. For packaging distributors processing high volumes of transactions, these features translate to cost savings on payment processing.

Key Benefits for Packaging Distributors

• Industry-specific expertise with proven results across 15 distributor industries
• Automatic AP portal integration that uploads invoices to customer portals automatically
• Surcharging capabilities to legally pass credit card fees to customers
• Mobile check capture for field sales teams common in packaging distribution
• Digital Lockbox for automated virtual card processing

Mid-market packaging distributors looking for a purpose-built AR automation platform with deep distribution industry expertise.

3. TreviPay

TreviPay brings 40+ years of experience in B2B trade credit to packaging distributors with complex, international operations. The platform offers guaranteed settlement with predictable DSO, backed by a partnership with Allianz Trade for enhanced risk management. TreviPay's omnichannel approach works across online, in-store, sales rep, and ERP/M2M channels—critical for packaging distributors serving customers through multiple sales channels.

Key Benefits for Packaging Distributors

• Net 15-90 day terms with credit risk coverage
• Guaranteed settlement protects cash flow predictability
• Operations in 20+ countries with 10+ currencies for international suppliers
• Omnichannel support for complex sales environments
• Partnership with Allianz Trade for enhanced risk management

Large packaging distributors with international operations or complex multi-channel sales environments requiring enterprise-grade trade credit solutions.

4. Versapay

Versapay offers a unified platform specifically designed for wholesale distributors, combining invoicing, payments, collections, and cash application in a single interface. The platform handles complex billing scenarios common in packaging distribution, including volume breaks and partial shipments. Versapay's collaborative portal allows customers to upload documents and resolve disputes directly, while parent-child account management simplifies billing for multi-location customers—common in the packaging industry.

Key Benefits for Packaging Distributors

• Unified platform eliminating data silos between AR functions
• Mobile AR with field rep check capture for remote sales teams
• Parent-child account management for multi-location customers
• Collaborative portal with document upload and dispute resolution
• PayFac status enabling smooth onboarding for complex use cases

Wholesale packaging distributors need a unified AR platform that handles complex billing scenarios and multi-location customer accounts.

5. Stripe

Stripe offers global payment flexibility with support for 135+ currencies and a wide range of payment methods. The platform's developer-friendly APIs make it ideal for packaging distributors with custom ecommerce implementations or complex integration requirements. Stripe's Authorization Boost uses AI to increase acceptance rates, while its 99.999% historical uptime ensures reliable processing for high-volume distributors. The platform also offers strong security with PCI Level 1 certification.

Key Benefits for Packaging Distributors

• 135+ currencies and 100+ payment methods for global suppliers and customers
• Developer-friendly APIs for custom integrations with inventory systems
• AI-powered fraud detection (Radar) to minimize chargebacks
• Authorization Boost increases acceptance rates using AI
• Extensive ERP integrations including NetSuite, Sage Intacct, and QuickBooks

Packaging distributors with international customers, custom ecommerce implementations, or complex integration requirements needing maximum payment flexibility.

6. Bill.com

Bill.com leverages network effects to simplify B2B payments for packaging distributors. With over 5 million network members, the platform creates instant connectivity when both buyer and seller are on the network—reducing payment friction significantly. Bill.com's extensive vendor network means if your packaging suppliers are already on the platform, you can pay them without manual setup. The platform also offers automated AP/AR workflows with approval routing to streamline operations.

Key Benefits for Packaging Distributors

• Extensive vendor network (5+ million members) for instant connectivity
• Automated AP/AR workflows with approval routing
• ACH, virtual card, and international wire transfers
• Strong accounting software integrations (QuickBooks, NetSuite, Sage, Xero)
• Same-day and next-day payments for improved cash flow

Small to mid-size packaging distributors seeking an easy-to-implement solution with strong network effects and accounting integrations.

7. WizPay

WizPay by WizCommerce offers a wholesale-specific B2B payment solution integrated into a complete B2B commerce ecosystem. The platform handles complex pricing and bulk orders natively, eliminating data silos between catalog, ordering, and payments. WizPay is built specifically for wholesale/distribution workflows rather than adapted from B2C solutions. The platform integrates seamlessly with WizShop and WizOrder for a complete ecosystem from catalog to payment.

Key Benefits for Packaging Distributors

• PCI-DSS compliant secure storage with encryption/tokenization
• ACH, credit/debit cards, cash records, and flexible credit terms
• Seamless integration with WizShop and WizOrder for complete ecosystem
• Approximately 30% faster quote-to-cash cycles for wholesale businesses
• 99.99% platform uptime for reliable processing

Packaging distributors using or considering the WizCommerce ecosystem who want a purpose-built wholesale payment solution with native integration.

8. Balance

Balance Payments specializes in B2B BNPL and net terms for marketplace transactions. The platform powers Alibaba.com SME and offers instant buyer qualification by connecting bank accounts, making it ideal for packaging distributors selling through online marketplaces. Balance uses RTP-enabled ACH rails for instant bank verification, enabling immediate credit qualification in seconds. The platform also offers a 100% in-house payment stack for reliability and control.

Key Benefits for Packaging Distributors

• Instant net terms and payout platform for B2B marketplaces
• Bank account connection for instant qualification (seconds)
• 100% in-house payment stack (no third parties)
• BigCommerce App Integration for one-click installation
• RTP-enabled ACH rails for instant bank verification

Packaging distributors selling through online marketplaces who need instant credit qualification to reduce cart abandonment and increase conversion.

9. PayPal Business

PayPal Business offers universal brand recognition that boosts customer trust and conversion for small packaging distributors just starting online sales. The platform provides easy implementation with minimal technical requirements. PayPal's universal recognition eliminates the need to build payment trust from scratch, while its buyer and seller protection programs reduce dispute resolution complexity. The platform also offers subscription management and international payments out of the box.

Key Benefits for Packaging Distributors

• Instant brand trust and global recognition boosting conversion
• Buyer and seller protection programs for dispute resolution
• Subscription management and international payments
• Easy implementation with minimal technical requirements
• Website buttons, mobile SDKs, and APIs available

Small packaging distributors just starting online sales who benefit from instant customer trust and low implementation barriers.

Making Your Choice: Essential Considerations for Packaging Distributors

When selecting a B2B payment platform, packaging distributors should evaluate solutions based on their specific operational needs, sales channels, and growth trajectory. The right platform should integrate seamlessly with existing systems while providing the flexibility to scale as your business grows.

By Sales Channel

Online-First: Two.io, Balance, or Resolve Pay's Net Terms for Ecommerce solution offer instant credit decisions and seamless checkout integration that reduce cart abandonment while driving larger order values through flexible payment terms.

Field Sales Teams: Billtrust's mobile check capture and Versapay's mobile AR features support remote sales operations, allowing field representatives to collect payments and process transactions on-site.

Hybrid Channels: TreviPay's omnichannel approach and Resolve Pay's B2B Payments Platform handle complex multi-channel environments where customers purchase through online stores, sales reps, and in-person interactions.

By Priority

Risk Reduction: Resolve Pay's 100% non-recourse financing eliminates bad debt risk entirely—critical for businesses where margins are tight and a single large default could significantly impact profitability.

Cost Savings: Paystand's zero-fee bank network and Billtrust's virtual card processing reduce transaction costs significantly for high-volume distributors processing thousands of monthly payments.

Speed to Cash: Resolve Pay's up to 90% advance within 24 hours and Bill.com's same-day payments accelerate cash flow immediately, freeing up working capital for inventory purchases and operational expenses.

Implementation Considerations

Packaging distributors should prioritize platforms with strong ERP integrations (QuickBooks, NetSuite, Sage Intacct), support for complex billing scenarios, and rapid implementation timelines. The ideal solution should also handle seasonal cash flow fluctuations common in packaging distribution, where demand varies significantly by season (holidays, moving season).

Integration capabilities determine how smoothly your payment platform will fit into existing workflows. According to research from the Aberdeen Group, companies with integrated financial systems experience 23% faster order-to-cash cycles and 15% improvement in forecast accuracy—critical advantages for packaging distributors managing inventory and cash flow.

Transform Your Packaging Distribution Business with Resolve Pay

For packaging and shipping supplies distributors that want to eliminate credit risk while still offering competitive net terms, Resolve Pay delivers an end-to-end platform with 100% non-recourse protection, so you’re never liable for customer non-payment. With AI-driven credit decisions, up to 90% advance payment within 24 hours, and integrations with major ERPs, it accelerates cash flow while reducing operational workload. Customers report an average 35% DSO reduction and 2.5x sales growth. Plus, AI-powered Accounts Receivable automation manages credit checks, invoicing, reminders, and collections—cutting manual work by 40–50% without hurting customer relationships.

Frequently Asked Questions

How can B2B payment platforms help packaging and shipping supplies distributors improve cash flow?

B2B payment platforms like Resolve Pay's Accounts Receivable automation can accelerate cash flow by offering net terms to customers while advancing up to 90% of invoice value within 24 hours. This eliminates the cash flow gap between paying suppliers and receiving customer payments. Platforms with automated payment reminders and streamlined collections also reduce Days Sales Outstanding (DSO), getting you paid faster while maintaining customer relationships.

What are the benefits of offering net terms to my B2B customers in the packaging and shipping industry?

Offering net terms can increase sales volume and customer retention. Research indicates that the majority of B2B buyers prefer net terms options, with businesses offering these terms experiencing up to 22% higher conversion rates compared to immediate payment requirements. For packaging distributors, this means larger orders and more frequent purchases from customers who can better manage their own cash flow. Net terms also create switching costs that improve customer retention—once buyers are approved for credit with you, they're more likely to continue purchasing rather than switching suppliers.

How does AI-powered automation improve accounts receivable for distributors?

AI-powered automation reduces manual work by 40-50% through automated invoice processing, payment reminders, and collections management. Resolve Pay's AI agents manage workflows and reduce friction in collections by determining the optimal timing and messaging for payment reminders. This automation is particularly valuable for packaging distributors handling high transaction volumes where manual AR management becomes unsustainable. The technology also improves accuracy by eliminating data entry errors and ensuring consistent follow-up on overdue accounts.

Can these platforms integrate with my existing ERP or accounting software?

Most modern platforms offer strong ERP integrations. Resolve Pay integrates with QuickBooks, NetSuite, Sage Intacct, Magento, Shopify, and BigCommerce, while Billtrust works with 40+ ERPs and HighRadius integrates with 50+ ERPs. Stripe offers extensive APIs for custom integrations. When selecting a platform, prioritize solutions that integrate with your specific ERP to eliminate manual data entry and reconciliation. Seamless integration ensures transaction data flows automatically between systems, reducing errors and saving staff time.

What's the difference between recourse and non-recourse financing?

With recourse financing, you remain liable if a customer fails to pay—you must buy back the invoice or repay the advance. Non-recourse financing, like Resolve Pay's 100% non-recourse solution, means you face zero liability for customer non-payment. For packaging distributors operating on tight margins, non-recourse financing eliminates bad debt risk entirely, making it significantly safer than traditional factoring or recourse financing. This protection is especially valuable when extending credit to new customers or during economic uncertainty when customer payment behavior becomes less predictable.