Best B2B Payment Platforms for Safety Equipment & PPE Distributors

The safety equipment and PPE distribution industry navigates a complex payment landscape marked by bulk orders, emergency procurement cycles, and seasonal demand spikes. With 64% of businesses facing delayed payments, distributors must balance extending credit to secure large orders with maintaining healthy cash flow. The unique challenges include managing high-volume, moderate-value transactions (typically $5,000-$50,000 USD), ensuring compliance with OSHA and ANSI standards, and providing flexible payment terms that institutional buyers and government contractors demand. For distributors seeking to streamline operations while empowering customer purchasing power, Resolve's B2B Net Terms platform delivers a comprehensive solution tailored to these specific industry needs.

Key Takeaways

• Safety equipment & PPE distributors need B2B payment platforms that handle bulk orders, emergency procurement, and extended payment terms common with institutional buyers
• Non-recourse financing solutions eliminate credit risk while providing rapid funding, directly addressing the cash flow strain from extended payment cycles
• AI-powered platforms deliver instant credit decisions and automated AR workflows, reducing the manual overhead of managing high-volume transactions
• Industry-specific platforms offer specialized features like net terms for online checkout, comprehensive ERP integrations, and multi-payment method support (ACH, card, wire, check)
• Seamless integration with existing tech stacks is essential for operational efficiency in distribution businesses
• White-label payment portals enhance the customer experience while allowing distributors to maintain their brand relationship

1. Resolve Pay 

Resolve Pay offers safety equipment and PPE distributors a complete financial operations platform built for B2B commerce. At its core is a 100% non-recourse financing model that eliminates merchant credit risk, allowing distributors to offer net 30, 60, or 90-day terms while getting paid upfront. Resolve's platform combines embedded credit underwriting, automated accounts receivable, and a branded payment portal into a single solution.

Best For

Safety equipment distributors need to offer net terms without assuming credit risk, with instant approvals supporting bulk orders and recurring institutional purchases.

Key Features

• 100% non-recourse financing eliminates all merchant credit risk
• AI-powered credit decisions delivered in real-time, often within seconds or hours
• Automated AR workflow with AI agents managing payment reminders and collections
• Seamless integration with QuickBooks, NetSuite, Shopify, and other major ERPs
• Branded, white-label payment portal accepting ACH, credit card, wire, and check
• Up to 100% invoice advance payment, improving cash flow immediately

Industry Relevance

For PPE distributors, Resolve's platform directly addresses the core tension between offering flexible credit to win large orders and maintaining cash flow. The ability to extend net terms to hospitals, construction firms, and government agencies—while receiving payment upfront—removes a significant barrier to growth. The non-recourse model is particularly valuable given that a significant percentage of B2B invoices are paid well past their due date, a common scenario with institutional buyers.

Resolve's Accounts Receivable with AI-Powered Automation streamlines the entire credit-to-cash lifecycle, from instant underwriting to collections. This is crucial for distributors managing hundreds of transactions monthly, as it can reduce AR workload significantly. The platform's integration with ecommerce systems also enables distributors with online storefronts to offer net terms at checkout, a proven sales driver.

Customer Validation

"Resolve has positively impacted our cash flow. Their advance on each invoice we submit has translated into quicker receivables, directly contributing to healthier cash flow management," shared Luke Elliot, Co-Founder of a manufacturing client.

Resolve's experts, formerly of Amazon and PayPal, deliver deeper credit insights than traditional bureaus, enabling faster and more accurate credit decisions. This speed is essential for distributors responding to emergency procurement requests or competing for large, time-sensitive contracts.

2. Stripe

Stripe provides a developer-friendly global payment infrastructure that powers millions of businesses. Its robust APIs and extensive documentation make it a strong choice for tech-forward PPE distributors with custom ecommerce platforms or complex integration needs. Stripe supports 135+ currencies and broad cross-border acceptance (customers in ~195 countries), making it suitable for distributors with international operations.

PPE distributors with in-house development teams needing a flexible, scalable payment infrastructure for custom online storefronts or ordering systems.

Key Features

• Extensive developer tools and API documentation
• Global payment acceptance across 135+ currencies and customers in ~195 countries
• Strong fraud prevention and security protocols

For safety equipment distributors building custom B2B ecommerce solutions, Stripe's API-first approach offers flexibility for complex pricing models, bulk ordering, and subscription-based purchases. The global reach is advantageous for distributors sourcing products internationally or selling to multinational clients. The platform's security features align with the compliance requirements common in institutional sales.

3. Bill.com

Bill.com provides an all-in-one financial operations platform that automates both accounts payable and accounts receivable. With a member network of over 8 million, it facilitates fast ACH and virtual card payments. The platform's native integrations with QuickBooks and Xero make it a popular choice for SMBs looking to streamline their entire financial workflow.

PPE distributors managing both supplier payments and customer collections who need a unified AP/AR automation solution.

Key Features

• Dual AP and AR automation in a single platform
• Network of over 7 million businesses for payments
• Native integrations with QuickBooks and Xero
• Real-time payment tracking and reconciliation

Bill.com's strength lies in its comprehensive financial operations management. For a PPE distributor juggling payments to multiple suppliers for inventory while collecting from various customers, having both AP and AR in one system reduces operational complexity. The vendor network ensures fast payment to suppliers, which can be crucial for securing inventory during high-demand periods.

4. WizPay

WizPay is a wholesale-specific B2B payment solution built as part of the WizCommerce B2B commerce suite. It's designed specifically for distributors, offering features like ACH, card, cash, and credit terms support within a unified platform. WizPay is built for wholesale and distribution workflows with seamless integration into B2B ecommerce systems.

PPE distributors are already using or considering the WizCommerce B2B ecommerce platform for a deeply integrated payment and catalog experience.

Key Features

• Built specifically for wholesale/distribution workflows
• Supports ACH, cards, cash, and credit terms
• Seamless integration with WizShop/WizOrder B2B commerce
• PCI-DSS compliant payment storage
• Faster quote-to-cash cycles reported by customers

WizPay's wholesale-specific design means it understands the nuances of PPE distribution, such as managing tiered pricing, bulk discounts, and recurring orders. The deep integration with the WizCommerce catalog system ensures a smooth order-to-payment experience, which is critical for B2B buyers who expect a seamless process. The platform's ability to handle multiple payment types provides flexibility for diverse customer preferences.

5. TreviPay

TreviPay is an enterprise-grade B2B trade credit and payment network with 40+ years of experience. Operating across 30+ countries, it offers deep integrations with major ERPs like SAP, NetSuite, and Microsoft Dynamics. The platform provides a full suite of services including invoicing, AR automation, and collections.

Large, enterprise PPE distributors with international operations requiring sophisticated credit management and deep ERP integration.

Key Features

• 45+ years of B2B trade credit expertise
• Global operations in over 27 countries with multi-currency support
• Deep ERP integrations (SAP, NetSuite, Dynamics)
• Comprehensive invoicing, AR automation, and collections
• Established B2B trade credit network

For large PPE distributors with complex, global supply chains and customer bases, TreviPay's enterprise capabilities are a strong fit. Its long history in B2B credit means it has established processes for underwriting and managing transactions on a global scale. The deep ERP integrations are essential for large organizations where financial data must flow seamlessly between systems.

6. Square

Square offers an all-in-one payment and point-of-sale system that's known for its simplicity and affordability. With no monthly fees for basic services, it's an accessible entry point for smaller PPE distributors. Square's ecosystem includes tools for inventory management, CRM, and reporting, providing a unified business management platform.

Smaller PPE distributors or those with a physical showroom or trade show presence needing a simple, omnichannel payment solution.

Key Features

• Free to start with no monthly fees for basic services
• Integrated POS for in-person sales
• Unified online and offline payment acceptance
• Built-in inventory, CRM, and reporting tools
• Transparent, per-transaction pricing

Square's strength is its ease of use and omnichannel capabilities. For a PPE distributor who sells both online and at industry trade shows or from a physical showroom, Square provides a consistent payment experience across all channels. The lack of long-term contracts and monthly fees makes it a low-risk option for smaller businesses testing different sales channels.

7. PayPal Business

PayPal Business is a globally recognized payment platform that leverages its strong brand trust to reduce buyer hesitation, especially on large orders. With presence in 200+ markets, it's a familiar and trusted option for buyers worldwide. PayPal also offers built-in buyer and seller protection programs.

PPE distributors selling internationally or to smaller buyers who prefer a familiar, trusted payment brand for large purchases.

Key Features

• Universal brand recognition builds instant buyer trust
• Global acceptance in 200+ markets
• Built-in buyer/seller protection programs
• Quick setup with minimal technical requirements
• Integrated invoicing and subscription management

The trust of the PayPal brand can be a significant conversion driver, especially for new or smaller customers who may be hesitant to enter their payment details on a lesser-known platform. For PPE distributors expanding into international markets, PayPal's global presence removes a barrier to cross-border sales and provides familiar payment options that can accelerate purchasing decisions.

8. Adyen

Adyen is an enterprise omnichannel payment platform that supports hundreds of payment methods globally. It offers a single platform for online, mobile, and in-store payments, along with real-time analytics and advanced fraud prevention. Adyen is used by many large global brands for its scalability and unified commerce capabilities.

Large, enterprise PPE distributors with complex, multi-channel operations requiring advanced analytics and global payment method support.

Key Features

• Single platform for all payment channels (online, mobile, POS)
• Supports hundreds of payment methods globally
• Real-time insights and analytics
• Advanced routing to boost transaction success
• Comprehensive, enterprise-grade fraud prevention

Adyen's strength is its ability to unify payments across a complex, global operation. For a large PPE distributor with an international e-commerce presence, physical showrooms, and a mobile sales team, Adyen provides a single source of truth for all payment data. Its advanced routing can improve transaction success rates, which is valuable for high-value B2B orders where payment failures can delay critical shipments.

9. Stax

Stax offers a subscription-based payment processing model, which can be more cost-effective for high-volume businesses. Instead of charging a percentage per transaction, Stax charges a flat monthly fee plus a low per-transaction cost. This model can lead to significant savings for distributors processing a high monthly volume.

Established PPE distributors processing high monthly volumes who want to reduce and predict their payment processing costs.

Key Features

• Subscription pricing model (flat monthly fee + low per-transaction cost)
• Compliant surcharging through CardX to offset fees
• Industry-specific solutions for B2B sectors
• No long-term contracts required
• Transparent, predictable pricing

The subscription model offers predictable costs for high-volume businesses. A PPE distributor processing hundreds of thousands of dollars in sales each month can benefit from the flat-rate structure compared to traditional percentage-based pricing. The ability to implement compliant surcharging can further offset processing costs while maintaining competitive pricing for customers.

10. Helcim

Helcim provides transparent interchange-plus pricing with zero monthly fees and no cancellation fees. It automatically offers volume discounts as a business's sales increase, with customers reporting average savings. Helcim's model is built on complete pricing transparency with no hidden fees or long-term commitments.

Small to mid-sized PPE distributors prioritizing transparent, flexible pricing without long-term contracts.

Key Features

• Interchange-plus pricing with automatic volume discounts
• Free virtual terminal and invoicing
• Rates improve automatically as volume increases
• Complete pricing transparency

Helcim is an ideal entry point for a growing PPE distributor who wants to avoid the complexity and long-term commitments of other processors. The automatic volume discounts mean the platform rewards business growth, which aligns well with the scaling needs of a distributor. The free virtual terminal and invoicing tools provide immediate value for businesses managing both online and phone orders.

Choosing the Right B2B Payment Platform for Your PPE Distribution Business

Selecting the right B2B payment platform for your safety equipment and PPE distribution business hinges on your specific growth stage, operational complexity, and strategic goals. According to PYMNTS research, the core challenge for most distributors is the need to offer flexible net terms to win and retain large customers—like hospitals, construction firms, and government agencies—while protecting their own cash flow from extended payment cycles.

For distributors seeking to solve this fundamental problem, Resolve Pay's non-recourse model offers a unique solution. By taking on the credit assessment and decision, Resolve effectively acts as your credit team. This allows you to confidently offer net 30, 60, or 90-day terms to grow sales and build customer loyalty, while receiving payment on your invoices rapidly. This direct link between offering terms and accelerating cash flow addresses the essential needs of B2B distribution.

Furthermore, Resolve's AI-powered automation streamlines the entire AR workflow, from invoice creation to collections, reducing manual overhead and DSO (Days Sales Outstanding). The platform's seamless integration with your existing ecommerce and accounting stack—including QuickBooks, NetSuite, Shopify, and Magento—ensures a unified financial ecosystem without operational friction.

While other platforms on this list excel at payment processing, global reach, or cost optimization, Resolve Pay specializes in addressing the core credit and cash flow challenges inherent in B2B distribution. Your choice should be guided by whether you need a payment processor or a comprehensive financial partner to fuel your growth.

Frequently Asked Questions

How can B2B payment platforms help safety equipment distributors manage large, recurring orders?

Platforms like Resolve Pay streamline the entire process for large, recurring orders. By offering net terms, you make it easier for institutional buyers to commit to large contracts. Resolve's non-recourse model means you get paid upfront on these large invoices, providing the working capital needed to fulfill the order, while Resolve manages the credit assessment and collections.

What are Net Terms, and how do they benefit both distributors and their customers?

Net Terms (e.g., Net 30, Net 60) allow a buyer to purchase goods or services now and pay for them at a later date. For PPE distributors, this is a powerful sales tool that can increase order size and customer loyalty, as it enhances the buyer's purchasing power. For the buyer, it provides crucial short-term capital flexibility to manage their own cash flow. Resolve Pay's platform allows distributors to offer these terms while getting paid immediately, creating a win-win scenario.

Can these platforms integrate with existing ERP or accounting software?

Yes, integration is a critical feature for modern B2B payment platforms. Resolve Pay offers built-in integrations with all major platforms, including QuickBooks, NetSuite, Oracle, Shopify, BigCommerce, and Magento. This ensures that transaction data, invoice statuses, and payments are automatically synced, eliminating manual data entry and reconciliation errors.

What kind of credit assessment process does Resolve use for buyers?

Resolve uses a combination of proprietary AI models and human expertise from former Amazon and PayPal executives to deliver deeper credit insights than traditional bureaus. The process is streamlined for the buyer—often requiring only a business name and address—and delivers  results in real-time, often within seconds or hours. This allows you to get instant credit decisions at checkout or during the sales process.

Are there any hidden fees or interest for buyers using Net Terms through Resolve?

No. For buyers, using Net Terms through Resolve is completely free. They pay 0% interest for their chosen term (30 or 60 days) and can pay via ACH, credit card, wire, or check through a branded portal. This transparent, buyer-friendly experience is key to driving adoption and sales.

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.