Best B2B Payment Platforms for Scientific Equipment Distributors

With scientific equipment purchases averaging $50,000+ and payment terms extending to Net 90, distributors face a critical challenge: how to offer competitive terms without choking cash flow. The B2B payment landscape has transformed dramatically in 2025, with AI-powered automation and non-recourse financing becoming essential for growing companies. For scientific equipment distributors, finding the right payment platform that handles high-value transactions, integrates with existing systems, and manages credit risk is crucial for maintaining healthy operations and scaling revenue. ResolvePay's integrated B2B payments platform stands out by combining embedded credit expertise, invoice financing, and payment processing into a single solution specifically designed for B2B commerce.

Key Takeaways

• Non-recourse (or credit-risk-protected) net terms programs can reduce distributor exposure to buyer default while enabling Net 30/60/90; some providers market advances up to 100% on approved invoices (often with standard exclusions like disputes or fraud)
• ERP integration capabilities ensure seamless workflows between payment platforms and existing accounting systems like QuickBooks, NetSuite, and Oracle, reducing manual data entry and reconciliation time
• High-value transaction support with instant credit decisions is critical for equipment orders often exceeding $25,000, enabling distributors to close deals faster without manual underwriting delays
• AI-powered automation reduces manual overhead in accounts receivable management, with advanced platforms handling high volumes of automated payment and AR workflows via APIs and handling invoicing, payment reminders, collections, and reconciliation
• Global payment capabilities become important for distributors with international suppliers or customers, with leading platforms supporting multi-currency transactions across 200+ countries
• Developer-friendly APIs enable custom payment flows and integrations for distributors operating marketplace models or requiring sophisticated payment experiences tailored to their business processes
• Enterprise-scale infrastructure with proven processing volumes in the billions or trillions annually ensures reliability during peak transaction periods and business growth phases

1. ResolvePay - Complete B2B Payment Infrastructure with 100% Non-Recourse Financing

ResolvePay delivers a uniquely integrated B2B payment platform that combines credit underwriting, accounts receivable automation, and non-recourse financing specifically designed for mid-market B2B businesses. The platform serves as a complete payment infrastructure solution for scientific equipment distributors who need to compete with larger players while maintaining healthy cash flow and eliminating credit risk.

Best For

Scientific equipment distributors who need to offer Net 30/60/90 terms while getting paid within 1-2 days with zero credit risk, regardless of whether their customers ultimately pay.

Price

Competitive pricing with non-recourse financing options tailored to business needs.

Key Features

ResolvePay's comprehensive feature set addresses the unique challenges scientific equipment distributors face:

• 100% non-recourse financing with advance rates up to 100% on approved invoices, meaning you get paid even if your buyer defaults—eliminating the credit risk that typically comes with extending payment terms
• AI-powered credit assessment with instant approvals up to $25,000 requiring only business name and address, enabling distributors to close high-value deals without delays from manual underwriting processes
• Seamless integrations with Shopify, BigCommerce, WooCommerce, QuickBooks, NetSuite, and other major platforms, ensuring your payment infrastructure works with your existing tech stack
• Automated AR workflows that handle invoicing, payment reminders, collections, and reconciliation, reducing the administrative burden that typically consumes finance team resources
• Enterprise-grade fraud prevention with comprehensive safeguards to protect high-value transactions common in scientific equipment sales
• Flexible payment options including ACH, wire transfers, and virtual cards to accommodate different customer preferences and procurement processes

ResolvePay's architecture is built specifically for B2B commerce, understanding the unique requirements of extended payment terms, high transaction values, and complex buyer relationships. With 12,000+ businesses served, the platform has documented success stories across diverse industries including ConEquip's significant YoY growth, Archipelago tripling their revenue, and SSSI achieving 5x revenue growth.

The platform's non-recourse model fundamentally changes the economics of offering net terms. Traditional factoring or receivables financing still leaves you exposed if customers don't pay. ResolvePay's 100% non-recourse financing stands out in the market by providing payment protection for approved invoices, typically subject to standard exclusions, effectively converting extended payment terms into immediate cash flow without the risk.

For scientific equipment distributors managing institutional buyers like universities and research labs—organizations that require extended terms but have complex procurement processes—ResolvePay enables you to compete on payment terms while maintaining the cash flow needed to invest in inventory, marketing, and growth initiatives.

2. TreviPay

TreviPay provides comprehensive end-to-end payment solutions designed for complex B2B transactions with global operations across multiple countries.

Key Features

• Global multi-country operations support with complete order-to-cash automation across different currencies and regulatory environments
• B2B payment automation with credit management for complex transaction environments requiring sophisticated approval workflows
• Supplier relationship focus with features designed to ensure timely payments and maintain strong vendor partnerships
• Error reduction capabilities addressing the industry challenge where approximately 39% of invoices contain errors

TreviPay's enterprise-focused global infrastructure delivers proven results in complex B2B environments. One manufacturer reported achieving 42x sales growth and increased dealer loyalty with TreviPay's automated payment solutions, demonstrating the platform's ability to handle sophisticated distribution networks.

3. HighRadius

HighRadius established itself as an industry pioneer in AI-powered accounts receivable automation with sophisticated features specifically designed for enterprises with high transaction volumes.

Key Features

• AI-powered accounts receivable automation with comprehensive module-based system covering the entire order-to-cash cycle
• Advanced payment gateway with surcharge management specific to B2B needs, helping manage costs on high-value equipment sales
• Interchange fee optimization to maximize margins on expensive scientific equipment transactions
• Comprehensive modules for invoicing, collections, payment processing, and reconciliation

HighRadius pioneered the AR automation category and continues to innovate with advanced AI capabilities. The platform's sophisticated approach to surcharge management is particularly valuable for managing the margins on high-value scientific equipment sales where small percentage improvements translate to significant revenue impact.

4. Bill.com

Bill.com offers a complete financial operations suite that provides comprehensive AP and AR automation for businesses of all sizes.

Key Features

• Substantial B2B payment network with hundreds of thousands of connected businesses, creating network effects that benefit all participants
• Comprehensive AP and AR automation covering both sides of the payment equation for complete financial operations management
• Publicly traded reliability with strong market position and third-party validation
• Extensive integration ecosystem connecting with major accounting and ERP systems

Bill.com has a large network of connected businesses and broad accounting/ERP integrations, creating powerful network effects. This extensive reach makes it ideal for distributors who need a proven, all-in-one solution for complete financial operations with the reliability that comes from a publicly traded company.

5. Billtrust

Billtrust has proven its capabilities at massive scale, processing over $1 trillion in receivables annually for major equipment manufacturers with sophisticated AR automation needs.

Key Features

• Scalable infrastructure processing over $1 trillion annually for major manufacturers, demonstrating the ability to handle even the largest distributors
• Pay on Email feature that eliminates buyer portal registration friction, making it easier for customers to complete payments
• Detailed analytics for tracking payment patterns and customer behavior to optimize collection strategies
• Proven enterprise reliability with a long track record serving major equipment manufacturers

Billtrust's proven track record at massive scale makes it ideal for large scientific equipment distributors who prioritize reliability and have established customer bases requiring sophisticated AR automation. The platform's trillion-dollar processing volumes demonstrate its ability to handle the most demanding transaction requirements.

6. Airwallex

Airwallex specializes in global B2B payments with transparent foreign exchange rates and multi-currency capabilities across numerous countries.

Key Features

• Virtual accounts in multiple currencies across 200+ countries, enabling true global payment capabilities
• Live FX rates with rate locking capabilities and transparent interbank rates that reduce foreign exchange costs
• Unified platform eliminating the need for multiple finance tools and banking relationships across different countries
• Multi-currency wallet functionality for holding and managing funds in various currencies

Airwallex's essential capabilities for international operations provide transparent, locked-in exchange rates critical for scientific equipment distributors managing cross-border transactions. The platform's extensive global coverage enables seamless payments across virtually every major market.

7. Stripe

Stripe remains the industry-standard payment platform with extensive API capabilities and strong B2B automation features.

Key Features

• Comprehensive API for custom payment flows with extensive documentation and developer resources
• Invoice capture and data extraction automation for B2B transactions requiring sophisticated data handling
• Payment execution via ACH, wire, virtual cards with flexible options to accommodate different customer preferences
• Industry-standard reliability trusted by millions of businesses globally for payment processing

Stripe's developer-friendly approach offers the flexibility scientific equipment distributors need to build custom payment experiences tailored to their specific business processes. The platform's extensive documentation and API capabilities enable technical teams to create sophisticated integrations that align with unique workflow requirements.

8. Balance

Balance offers a modern, developer-first B2B payments platform designed specifically for marketplace and platform business models with extensive API capabilities

Key Features

• Developer-first architecture designed for marketplace and platform environments requiring sophisticated payment orchestration
• Extensive API library for custom integrations and complex payment flows tailored to specific business models
• Modern platform design optimized for businesses with technical teams building advanced integrations
• Marketplace-specific features addressing the unique needs of multi-sided platforms

Balance's modern architecture is designed specifically for businesses with technical teams building sophisticated integrations. The platform's focus on B2B supply chain sectors makes it ideal for scientific equipment distributors operating marketplace models or requiring highly customized payment experiences.

9. Corcentric

Corcentric offers the largest B2B payment network with significant buyer and supplier participation, processing substantial annual volumes.

Key Features

• Massive network with 450,000 buyers and 1.4 million suppliers for extensive reach across industries
• Substantial annual processing volume of $100+ billion demonstrating proven scale
• Technology and supplier services combination for comprehensive payment and procurement support
• Enterprise-grade infrastructure supporting complex organizational needs

Corcentric's massive network size and processing volume provide unparalleled reach for scientific equipment distributors. The platform's extensive ecosystem offers access to the largest B2B payment network available, facilitating connections with suppliers and buyers across diverse industries.

10. Tipalti

Tipalti specializes in cross-border payments with international tax compliance expertise and automated reconciliation for global supplier payments.

Key Features

• Specialized cross-border payment expertise with international tax compliance capabilities across multiple jurisdictions
• Robust security measures and compliance safeguards for global operations meeting various regulatory requirements
• Fully automated reconciliation to streamline global AP operations and reduce manual accounting work
• Comprehensive supplier onboarding with tax form collection and validation

Tipalti's specialized expertise in cross-border tax compliance makes it essential for scientific equipment distributors with complex global supplier networks. As one customer noted, "The ROI of Tipalti really is not having AP involved in outbound partner payments. That's huge," highlighting the platform's ability to automate complex international payment processes.

Why ResolvePay Is the Right Choice for Scientific Equipment Distributors

For scientific equipment distributors navigating the complex challenges of high-value transactions, extended payment terms, and credit risk management, ResolvePay delivers a comprehensive solution purpose-built for B2B commerce. The platform's 100% non-recourse financing fundamentally transforms how distributors approach net terms—enabling you to offer competitive Net 30/60/90 payment options while receiving payment within 1-2 days and eliminating the credit risk that would otherwise threaten your cash flow.

The integration capabilities ResolvePay provides ensure seamless workflows with your existing systems, whether you're using QuickBooks, NetSuite, Shopify, or other major platforms. This native connectivity means your team avoids the manual data entry and reconciliation work that typically consumes valuable time and introduces errors. McKinsey has reported that digitizing information-intensive processes can reduce costs by up to 90% and improve turnaround times, and ResolvePay's automated AR workflows deliver exactly this type of efficiency improvement.

Scientific equipment sales present unique challenges that ResolvePay addresses directly. When your average transaction exceeds $25,000 and your buyers are institutional customers with complex procurement processes, you need instant credit decisions and the confidence to extend terms without taking on unmanageable risk. ResolvePay's AI-powered credit assessment provides instant approvals on substantial transactions, enabling you to close deals quickly while the platform's non-recourse model ensures you get paid regardless of buyer performance.

The documented success stories from businesses using ResolvePay demonstrate the platform's impact on growth and operational efficiency. When distributors can offer competitive payment terms without worrying about cash flow constraints or credit defaults, they unlock new customer segments and scale revenue in ways that wouldn't be possible with traditional payment approaches. Bain notes that improving the cash conversion cycle and working capital efficiency can rapidly free up liquidity,, and ResolvePay's advance payment model delivers exactly this type of working capital optimization.

For distributors ready to compete more effectively, grow faster, and eliminate the credit risk that constrains traditional net terms programs, ResolvePay provides the integrated payment infrastructure designed specifically for B2B commerce challenges.

Frequently Asked Questions

What are net payment terms and why are they crucial for scientific equipment distributors?

Net payment terms (Net 30, 60, or 90) allow buyers to pay for equipment after receiving it, which is standard practice in scientific equipment sales. These terms are crucial because institutional buyers like universities and research labs require extended payment periods due to their procurement processes. Offering competitive net terms helps distributors win business, but managing the cash flow gap requires specialized payment platforms with advance payment capabilities.

How can B2B payment platforms help reduce Days Sales Outstanding (DSO) for distributors?

B2B payment platforms reduce DSO through automated invoicing, payment reminders, and advance payment options. Some platforms can pay distributors within 1-2 days while customers maintain their Net 30/60/90 terms, effectively reducing DSO to near zero. AI-powered automation also reduces manual collection efforts and accelerates payment processing.

Is a B2B payment platform secure for handling high-value scientific equipment transactions?

Yes, reputable B2B payment platforms implement enterprise-grade security measures including encryption, fraud prevention, and compliance safeguards. Leading platforms combine AI-powered credit assessment with enterprise-grade fraud prevention to ensure secure handling of high-value transactions. Always verify that your chosen platform maintains current security certifications and compliance standards.

What kind of integrations should I look for in a B2B payment platform for my distribution business?

Look for platforms that integrate natively with your existing ERP, accounting, and ecommerce systems. Essential integrations include QuickBooks, NetSuite, Oracle, Shopify, BigCommerce, and Magento. Platforms with built-in integrations ensure seamless data flow between your payment platform and existing systems without manual data entry.

How does non-recourse financing benefit a scientific equipment distributor?

Non-recourse financing eliminates credit risk by guaranteeing payment to the distributor regardless of whether the buyer pays. This is crucial for scientific equipment distributors who face significant risk with high-value transactions. With non-recourse financing, distributors can offer competitive net terms to win business while maintaining healthy cash flow and eliminating bad debt risk. Learn more about non-recourse options.