Best B2B Payment Platforms for Plumbing Supplies Distributors

Plumbing supply distributors face unique cash flow challenges: offering net terms to contractors while managing seasonal demand, large inventory costs, and complex payment cycles. With 50% of B2B invoices paid late and distributors spending 14 hours weekly chasing payments, the right payment platform can transform your financial operations. We analyzed 18+ B2B payment platforms, focusing on net terms capabilities, AR automation, ERP integration, and cost-effectiveness specifically for wholesale plumbing distribution. Our top recommendation is ResolvePay, which helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes.

Key Takeaways

• ResolvePay offers the only non-recourse financing specifically designed for manufacturers, wholesalers, and distributors, advancing up to 90% of invoice value within 24 hours while assuming credit risk.
• Modern B2B payment platforms reduce the 14 hours weekly that distributors spend chasing payments through automated workflows and AI-powered credit decisions.
• Offering net terms is critical for plumbing distributors, as 95% of B2B buyers prefer payment terms over immediate payment requirements.
• Integration with existing ERP and accounting systems (QuickBooks, Oracle, NetSuite) is essential for seamless implementation without disrupting current workflows.
• Advanced platforms process billions in annual volume, with Versapay handling $257 billion and TreviPay managing $20+ billion annually.
• Implementation timelines vary significantly—ResolvePay offers 3-7 day implementation for standard integrations, while enterprise platforms may require weeks or months.
• Total cost of ownership includes both monthly fees and transaction costs, with some platforms charging per-user fees ($45-89/user/month) while others offer flat-rate or usage-based pricing.

1. ResolvePay - Comprehensive Net Terms & AR Automation

ResolvePay stands out as the only platform offering non-recourse net terms financing specifically designed for manufacturers, wholesalers, and distributors. Unlike traditional factoring or payment processors, ResolvePay combines credit underwriting, invoice financing, and payment processing into a single embedded platform that acts as your "credit team on tap."

What Makes ResolvePay Different

ResolvePay's platform automates your entire net terms workflow from invoice to payment, reducing DSO and accelerating cash flow. The system provides instant credit decisions powered by AI, allowing buyers to check out with no paperwork or waiting. Most importantly, ResolvePay advances up to 90% of your invoice value within 24 hours while assuming the majority of risk for late payments or defaults.

The platform's non-recourse financing model means what you receive is always yours to keep, even if customers don't pay. This fundamental difference from traditional factoring eliminates the risk of chargebacks and collections headaches, allowing you to focus on growing your business rather than managing receivables.

Key Features for Plumbing Distributors

• Non-recourse financing - what you get is always yours to keep, even if customers don't pay
• AI-powered automation for credit, invoicing, and collections that reduces manual work by up to 80%
• White-label payment portal accepting ACH, wire, credit card, or check with your branding
• Seamless integrations with QuickBooks, Oracle, Shopify, BigCommerce, Magento, and other platforms
• Instant credit decisions with approvals up to $25,000 for qualified purchases
• Implementation in 3-7 days for standard integrations, providing faster time-to-value
• Dedicated account management and white-glove onboarding support
• Comprehensive fraud prevention with 20+ built-in protection tools

ResolvePay's instant plug-ins and flexible APIs integrate directly into your B2B eCommerce and accounting stack with automated syncing to eliminate manual data entry. The platform delivers instant, data-rich credit decisions by combining AI, behavioral signals, and human expertise, requiring only your customer's business name and address.

Customer Success

TrueCable reports "response times under 24 hours on credit approvals" with customers "taken aback at how quick we respond." This speed is critical for plumbing distributors who need to process contractor orders quickly while maintaining cash flow. The platform enables distributors to offer extended net terms or installment options tailored to each customer without delaying cash flow, since Resolve pays you upfront while your customers get 30, 60, or 90 days to pay.

Best For: Plumbing distributors who want to offer net terms while eliminating credit risk and getting paid upfront

2. Versapay

Versapay excels at accounts receivable automation and payment processing for businesses already managing their own credit terms. With native integrations to major ERP systems and a robust collaborative AR platform, Versapay helps distributors streamline their existing payment workflows. Versapay's collaborative AR platform includes AI-powered cash application and customer portals for dispute resolution. The platform captures Level 2/Level 3 B2B data to reduce interchange fees by up to 40% and supports complex payment scenarios through its PayFac status.

Key Features

• Advanced AR automation with AI-powered cash application
• Native ERP integrations (NetSuite, Microsoft Dynamics, Sage Intacct)
• Level 3 B2B processing for lower transaction costs
• Collaborative customer portals for dispute resolution
• $257 billion processed annually across 5 million+ companies

TireHub saved 200+ hours weekly, reduced outstanding receivables by 50%, and increased payment automation by 400%. Wurth Canada's AR team spends 75% less time processing checks.

3. Bill.com

Bill.com is a widely recognized AP/AR automation platform with broad adoption across small to mid-sized businesses. The platform offers comprehensive invoice processing and payment automation capabilities. Bill.com provides automated invoice processing with OCR technology and customizable approval chains for complex organizations. The platform offers credit lines from $1,000 to $5 million USD, though these are separate from its core payment processing functionality.

Key Features

• Automated invoice processing with OCR technology
• Credit lines from $1,000 to $5 million USD
• Customizable approval chains for complex organizations
• Automatic vendor enrollment through network
• Mobile app for on-the-go approvals

4. Stripe

Stripe offers powerful developer tools and extensive global payment capabilities, making it ideal for plumbing distributors with technical resources and international customers. Stripe provides sophisticated developer tools for payment customization and supports a broad range of international payment methods. With no monthly fees for basic accounts and support for 135+ currencies in 47+ countries, Stripe excels at global transaction processing.

Key Features

• Developer-friendly with extensive API library
• Global payment support with 135+ currencies across multiple countries
• Stripe Radar anti-fraud protection
• No monthly fees for basic account
• Supports over 450 platforms and integrations

5. Paystand

Paystand operates a B2B payment network providing robust payment processing capabilities for distributors who don't need financing features. Paystand's extensive B2B company network creates network effects where more businesses on the platform benefit all users. The platform offers fast implementation and robust ERP integration capabilities.

Key Features

• Extensive B2B payment network with thousands of companies
• ERP integrations and click-to-pay capability
• Recurring payment functionality
• Fast implementation per user reports
• Robust ERP integration capabilities

6. Tipalti

Tipalti specializes in global mass payments and tax compliance, making it ideal for larger plumbing distributors with international suppliers or complex multi-entity operations. Tipalti supports 196 countries and 120+ currencies with comprehensive tax compliance automation including W-8/W-9 management. The platform's unlimited user model contrasts with per-user pricing from competitors, making it cost-effective for larger teams.

Key Features

• Supports 196 countries and 120+ currencies
• W-8/W-9 tax management and compliance
• Mass payment capabilities for marketplaces
• Multi-entity and subsidiary support
• Unlimited users with competitive pricing starting points

7. Slope

Slope specializes in B2B buy now, pay later solutions with fast approval times in the industry, making it attractive for distributors focused on offering net terms at checkout. Slope provides instant approvals in 10-30 seconds with same-day settlement for merchants. Backed by $124 million including J.P. Morgan partnership, Slope represents modern B2B BNPL technology with an API-first integration approach.

Key Features

• Same-day settlement for merchants
• Cash flow underwriting for instant decisions
• API-first integration for rapid deployment
• Backed by $124 million including J.P. Morgan partnership

8. Square

Square offers an accessible entry point into digital payments with no monthly fees and free equipment, making it ideal for small plumbing distributors just starting with digital payments.

What Makes Square Different

Square provides an all-in-one solution with POS, invoicing, and eCommerce capabilities at no monthly cost. The platform includes free mobile card readers and ACH processing, making it a low-risk entry point for digital payments.

Key Features

• $0 USD monthly fees for basic account
• Square Invoices with recurring billing
• Free mobile card reader included
• ACH processing included at no monthly fee
• All-in-one solution with POS, invoicing, eCommerce

9. TreviPay

TreviPay operates a large B2B BNPL network providing instant approvals and global coverage for distributors who benefit from network effects. TreviPay powers $20+ billion in annual volume with its network of 20,000+ buying and selling entities across 32 countries. The platform offers flexible funding options (self-fund or use TreviPay capital) and instant approvals for 30-90 day terms.

Key Features

• Powers $20+ billion in annual volume
• 20,000+ buying and selling entities across 32 countries
• Instant approvals for 30-90 day terms
• Self-funding, TreviPay capital, or bank partnership options
• Established B2B BNPL network

10. PayPal Business

PayPal Business leverages strong brand recognition and customer trust, making it valuable for distributors whose buyers prefer familiar payment options.

What Makes PayPal Business Different

PayPal benefits from years of market experience and instant brand recognition. Many buyers already have PayPal accounts, reducing friction in the payment process. The platform offers easy integration and setup with credit management features.

Key Features

• Strong customer trust and brand recognition
• Benefits from years of market experience
• Integrated with PayPal consumer accounts
• Easy integration and setup
• Credit management features

Making Your Choice: Essential Considerations

Net Terms Capability is Critical: Plumbing distributors must offer net terms to remain competitive, as 95% of B2B buyers prefer payment terms. Research from the Harvard Business Review shows that increasing customer retention rates by just 5% can increase profits by 25% to 95%, making the ability to offer flexible payment terms a critical competitive advantage. Platforms like ResolvePay, Slope, and TreviPay specialize in net terms, while others like Stripe and Square focus on payment processing.

Integration Requirements Matter: Plumbing distributors typically use specialized ERP and accounting software. Ensure your chosen platform integrates with your existing systems. ResolvePay offers seamless integrations with QuickBooks, Oracle, and major eCommerce platforms, providing automated syncing that eliminates manual data entry.

Risk Management Approach: Consider how different platforms handle credit risk. ResolvePay offers non-recourse financing where you keep advances even if customers don't pay, transferring the collection risk to the platform. This approach differs fundamentally from traditional payment processors that leave distributors exposed to credit risk.

Total Cost of Ownership: Consider both monthly fees and transaction costs. Some platforms offer no monthly fees, while others charge per user (ranging from $45-89 USD per user per month), which can become expensive for larger teams. Evaluate the total cost including transaction fees, monthly subscriptions, and any implementation costs.

Implementation Timeline: Some platforms require weeks or months to implement, while others like ResolvePay offer implementation in 3-7 days for standard integrations, providing faster time-to-value. According to Bain & Company research, streamlining operations and reducing time-to-implementation can significantly impact profitability and cash flow.

Why ResolvePay is the Top Choice for Plumbing Distributors

For plumbing supply distributors seeking to transform their payment operations while eliminating credit risk, ResolvePay delivers unmatched value. The platform's non-recourse financing model fundamentally changes the cash flow equation—you receive up to 90% of your invoice value within 24 hours while ResolvePay assumes the risk if customers don't pay.

ResolvePay's AI-powered automation reduces the 14 hours weekly that distributors typically spend chasing payments, freeing up your team to focus on growth rather than collections. The instant credit decisions powered by AI, behavioral signals, and human expertise mean your customers experience seamless checkout with approvals up to $25,000 for qualified purchases—often within 24 business hours.

The platform's seamless integrations with QuickBooks, Oracle, Shopify, BigCommerce, and Magento ensure you can implement ResolvePay without disrupting existing workflows. With 3-7 day implementation for standard integrations, you'll start seeing benefits almost immediately rather than waiting weeks or months for complex enterprise deployments.

TrueCable's experience demonstrates the real-world impact: "response times under 24 hours on credit approvals" with customers "taken aback at how quick we respond." This speed, combined with the ability to offer extended net terms while getting paid upfront, creates a competitive advantage that drives both customer satisfaction and revenue growth.

ResolvePay's comprehensive approach—combining credit underwriting, financing, payment processing, and collections automation in one platform—eliminates the need to cobble together multiple vendors. You get a complete solution with white-label payment portals, fraud prevention, and dedicated account management, all designed specifically for manufacturers, wholesalers, and distributors like you.

Frequently Asked Questions

How can net payment terms help increase sales for a plumbing supplies business?

Offering net terms enhances buyer loyalty and unlocks more revenue through repeat purchases and larger orders. ResolvePay's platform allows you to offer extended net terms or installment options tailored to each customer without delaying your cash flow, since Resolve pays you upfront while your customers get 30, 60, or 90 days to pay. This flexibility removes purchasing barriers for contractors who need materials immediately but have project-based cash flow cycles.

What are the primary benefits of using a B2B payment platform for plumbing supplies distributors?

B2B payment platforms help plumbing distributors streamline credit, invoicing, and collections while accelerating cash flow. ResolvePay's AI-powered automation reduces the 14 hours weekly that distributors typically spend chasing payments, while advance payments ensure you get paid within a day instead of waiting 60+ days. This acceleration improves working capital and allows you to reinvest in inventory and growth initiatives.

How does a B2B payment platform integrate with existing accounting and ecommerce systems?

Most platforms offer integrations with popular accounting and eCommerce software. ResolvePay provides instant plug-ins and flexible APIs that integrate directly into your B2B eCommerce and accounting stack, including QuickBooks, Oracle, Shopify, BigCommerce, and Magento, with automated syncing to eliminate manual data entry. Implementation typically takes 3-7 days for standard integrations, minimizing disruption to your operations.

What kind of credit checks do these platforms perform on my buyers, and how quickly are decisions made?

Advanced platforms like ResolvePay deliver instant, data-rich credit decisions by combining AI, behavioral signals, and human expertise. Credit assessments require only your customer's business name and address, with results delivered within 24 business hours. Some purchases up to $25,000 may qualify for instant approvals, allowing buyers to check out immediately without paperwork or waiting.

What is non-recourse financing and why does it matter for distributors?

Non-recourse financing means that once a platform advances payment for an invoice, you keep that money even if your customer fails to pay. This differs fundamentally from traditional factoring where unpaid invoices can be charged back to you. ResolvePay's non-recourse financing transfers the collection risk from your business to the platform, protecting your cash flow and eliminating the stress of collections. This allows you to offer competitive payment terms to grow sales without taking on additional credit risk.