Half of all B2B invoices are currently overdue, creating significant cash flow challenges for businesses of all sizes. As companies increasingly shift from paper checks to digital payments in 2026, choosing the right B2B payment processing software has become critical for maintaining healthy cash flow, reducing administrative overhead, and scaling operations efficiently. The evolution toward embedded, simple, and relational payment solutions has transformed how businesses manage accounts receivable, credit risk, and customer relationships. For businesses looking to offer net terms without bearing the associated credit risk, solutions like Resolve's AI-powered Accounts Receivable platform provide non-recourse financing that pays merchants upfront while extending flexible payment terms to buyers.
Resolve Pay has redefined B2B payment processing by offering the only true non-recourse financing solution that eliminates merchant risk while providing immediate liquidity. Unlike traditional factoring or AR automation platforms, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing businesses to offer net terms confidently.
Resolve's platform combines previously disparate resources needed to facilitate B2B commerce into a single solution: embedded credit expertise, embedded invoice financing, and embedded payments. The platform advances up to 100% on approved invoices within 24 hours, while buyers receive 30, 60, or 90 days to pay. This non-recourse model means merchants receive payment upfront with zero liability if customers default—a combination that sets Resolve apart in the market.
Resolve has helped businesses across industries achieve significant operational improvements, including 90% AR workload reduction and 50-60% DSO reduction. Companies like Archipelago tripled their revenue through Resolve's platform, demonstrating the transformative impact of non-recourse financing on B2B growth.
The platform streamlines credit assessment by requiring only business name and address, provides 1-2 day funding versus waiting 30-90 days for customer payments, and maintains white-label customer experiences that preserve brand relationships. Resolve also offers free business credit checks with 24-hour turnaround, helping businesses make informed credit decisions quickly.
Best for: B2B businesses with $1M+ annual revenue seeking to offer net terms without credit risk
Official Website | Free Credit Check
Stripe Payments remains the industry standard for developer-led organizations requiring reliable, scalable payment infrastructure. With 99.999% uptime and support for 100+ payment methods across 135+ currencies, Stripe provides the technical foundation for businesses operating globally.
Stripe's developer-friendly API ecosystem and comprehensive documentation make it the preferred choice for technical teams building custom payment solutions. The platform's AI-powered fraud detection (Stripe Radar) and optimized checkout suite deliver proven results, including an 11.9% average revenue uplift for merchants implementing their advanced checkout features.
Stripe processes hundreds of billions of dollars annually for millions of businesses globally, including industry leaders like Shopify, Uber, and Amazon. The platform's reliability and feature depth have earned it a 4.7/5 rating on Merchant Maverick, with users praising its technical excellence and global reach.
Organizations value Stripe's industry-leading uptime (99.999%), unmatched developer tools and documentation, comprehensive global payment method coverage, proven revenue uplift with optimized checkout, and extensive partner ecosystem. The platform excels particularly for businesses with technical teams that can leverage its full API capabilities.
Best for: Developer-led organizations and global businesses requiring customizable payment infrastructure
Official Website | Pricing Details
BILL dominates the small to mid-sized business market with its massive network of 5 million+ vendors and intuitive AP/AR automation platform. Serving over 494,000 business customers, BILL provides SMBs with enterprise-grade payment automation at accessible price points.
BILL's network effect creates immediate value for new customers—connecting to the platform automatically links businesses to millions of existing vendors, enabling instant electronic payments without manual setup. The platform's two-way sync with major accounting systems like QuickBooks, NetSuite, and Xero ensures seamless financial operations.
BILL's SMB-focused approach has resulted in widespread adoption, with nearly half a million businesses relying on the platform for their payment operations. Users consistently cite improved visibility, faster reconciliation, and reduced manual work as key benefits of the platform.
The massive vendor network creates immediate value for new users, while the intuitive interface is designed specifically for SMB teams without dedicated finance departments. Strong accounting software integrations, combined AP and AR functionality in a single platform, and the stability of a public company (NYSE: BILL) make BILL a trusted choice for growing businesses.
Best for: Small to mid-sized businesses seeking straightforward AP/AR automation with extensive vendor connectivity
Official Website | Product Details
Tipalti excels at global mass payments, supporting businesses that need to pay vendors, contractors, or partners across 200+ countries in 120+ currencies. As a licensed Money Services Business (MSB), Tipalti can approve accounts in days rather than weeks, accelerating international payment operations.
Tipalti's comprehensive global compliance infrastructure handles complex regulatory requirements including W-8/W-9 collection, 1099 reporting, and international tax compliance. The platform's self-service supplier onboarding portal reduces administrative burden while ensuring vendors can update their own payment information.
Tipalti has been recognized as an IDC MarketScape Leader in AP Automation and is recognized on the Forbes Fintech 50 list. Customers like ServiceRocket achieved an 80% reduction in AP processing time, demonstrating the platform's operational efficiency gains.
Organizations value Tipalti's unmatched global payment and compliance capabilities, licensed MSB status that enables faster account approval, comprehensive tax compliance automation, strong supplier self-service capabilities, and proven results with high-volume payment scenarios. The platform particularly excels for businesses managing international contractor or vendor payments across multiple jurisdictions.
Best for: Businesses with significant international vendor payments and complex global compliance requirements
Official Website
While each platform on this list serves specific business needs, Resolve Pay uniquely addresses the core challenge facing B2B businesses: offering competitive net terms without taking on credit risk. Traditional payment processors like Stripe excel at transaction processing, while AP automation platforms like BILL and Tipalti streamline payment workflows—but neither eliminates the fundamental risk of customer non-payment.
Resolve's non-recourse financing model transforms net terms from a liability into a competitive advantage. By advancing payment to merchants within 24 hours while extending 30-90 day terms to buyers, Resolve provides immediate liquidity that improves cash flow management without adding debt to balance sheets. The platform's AI-powered credit decisions evaluate thousands of buyer data points instantly, making credit approval seamless for merchants while maintaining rigorous risk standards.
For B2B businesses across industries—from wholesale and distribution to manufacturing and ecommerce—Resolve Pay delivers the triple benefit of accelerated cash flow, eliminated bad debt risk, and enhanced customer relationships through flexible payment terms. The 90% AR workload reduction and 50-60% DSO improvement achieved by Resolve customers represent transformational operational efficiency that directly impacts profitability and growth capacity.
Non-recourse financing means the financing provider assumes the credit risk if a buyer defaults on payment. Unlike traditional recourse financing where merchants remain liable for customer non-payment, non-recourse solutions like Resolve Pay eliminate bad debt risk entirely. The platform advances payment to merchants immediately while collecting from buyers over 30-90 day terms, with zero merchant liability if customers fail to pay.
Most modern B2B payment platforms offer native integrations with popular accounting systems like QuickBooks, Xero, NetSuite, and Sage. These integrations automatically sync invoice data, payment transactions, and reconciliation information, eliminating manual data entry. Platforms like Resolve Pay provide auto-bookkeeping that updates accounting records in real-time, while solutions like BILL offer two-way sync that keeps payment and accounting data consistent across systems.
B2B payment processing fees vary significantly by platform and payment method. ACH transfers typically range from $0.50-$1.50 per transaction, while credit card processing generally costs 2.5-3.5% plus per-transaction fees. Net terms financing platforms structure fees differently, often charging buyers rather than merchants. When evaluating platforms, consider total cost of ownership including transaction fees, monthly platform fees, integration costs, and the value of improved cash flow and reduced AR workload.
Implementation timelines vary dramatically based on platform complexity and business requirements. Simple payment processors like Square can be set up in minutes, while SMB-focused platforms like BILL typically require 1-2 weeks for full integration with accounting systems. Specialized net terms platforms like Resolve Pay generally take 2-4 weeks for initial setup including credit line establishment and ecommerce integrations. Enterprise solutions may require 8-12 weeks for comprehensive implementation across multiple business units and ERP systems.
B2B businesses with annual revenue exceeding $1M that sell to other businesses benefit significantly from net terms financing. This includes wholesale distributors, manufacturers, B2B ecommerce companies, and service providers selling to commercial clients. Businesses that want to offer competitive 30-60-90 day payment terms but cannot afford the cash flow impact or credit risk find non-recourse financing particularly valuable. Companies experiencing growth constraints due to extended DSO or limited working capital see transformational results from platforms that provide immediate funding against outstanding invoices.
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.