Best Net Terms Management Software in 2026

B2B businesses face significant cash flow challenges, with nearly half of all B2B invoices paid late, creating operational strain and limiting growth opportunities. Modern net terms management software has evolved beyond basic invoicing to comprehensive platforms that handle credit decisions, financing, and collections automatically. For businesses looking to streamline their accounts receivable while offering flexible payment terms, ResolvePay's net terms management solution provides a complete contract-to-cash automation platform that accelerates cash flow while enhancing buyer purchasing power.

Key Takeaways

• ResolvePay's non-recourse financing model advances up to 90-100% of invoice value within 24 hours, eliminating traditional Net 30/60/90 cash flow delays
• AI-powered credit decisioning delivers decisions 9x faster than traditional methods while reducing credit risk management costs
• Modern net terms platforms help businesses reduce receivables management time by 50% while increasing buyer purchasing power by 2x
• Verified customer outcomes show 5x revenue growth and 30-60% faster payment cycles with automated AR workflows
• Industry leaders process billions in annual invoice value across thousands of enterprise customers worldwide

1. ResolvePay – Complete Net Terms Lifecycle with Non-Recourse Financing

ResolvePay has established itself as the leading net terms-as-a-service platform by combining AI-powered credit decisioning with immediate merchant funding and comprehensive AR automation. The platform's non-recourse financing model means businesses receive advance payment while ResolvePay assumes the majority of credit risk.

What Makes ResolvePay Different

ResolvePay's platform delivers instant credit decisions powered by AI models that evaluate thousands of buyer data points to generate dynamic, scalable credit decisions. The system advances up to 90-100% of invoice value within 24 hours, transforming the traditional Net 30/60/90 timeline into same-day cash flow. All cash advances are non-recourse, meaning what you receive is always yours to keep.

Verified Customer Outcomes

• 5x revenue growth reported by customers like SSSI
• 2x increase in buyer purchasing power
• 50% less time managing receivables
• 9x faster credit checks compared to traditional methods
• 30-60% faster payment cycles

Key Features

• AI-powered credit decisioning with quiet pre-approval checks
• Non-recourse invoice financing with up to 90-100% advance
• White-label payment portal accepting ACH, credit card, wire, or check
• Automated AR workflow with AI agents managing collections
• Seamless integrations with QuickBooks, Shopify, Magento, and other platforms

Ideal For: B2B businesses with $1M+ annual revenue seeking to offer net terms without cash flow impact or credit risk exposure.

Getting Started: Visit resolvepay.com for a personalized demonstration

2. TreviPay

TreviPay specializes in complex enterprise environments, offering omnichannel net terms across web, app, in-store, and POS systems. The platform supports multi-entity structures, dealer networks, and fleet operations across 20+ countries with 10+ currency support.

Enterprise Capabilities

TreviPay's optional funded model provides guaranteed settlement for businesses that prefer to transfer credit risk entirely. Their proprietary underwriting delivers credit decisions in seconds, enabling instant approvals at point of sale. The platform includes branded buyer servicing to reduce internal support load while maintaining customer relationships.

Key Differentiators

• Multi-channel net terms management for complex sales environments
• Optional funded model for guaranteed settlement
• Dealer/distributor/fleet network support
• International operations across 20+ countries
• Branded buyer experience with white-label capabilities

Market Validation: Industry research shows that 85% of B2B buyers want the option to pay on net terms and are likely to purchase more when this payment option is available.

Ideal For: Large enterprises with complex channel structures, international operations, or multi-entity requirements.

3. Two.inc

Two.inc leverages dual AI engines—Delphi for credit decisioning and Frida for fraud prevention—to deliver exceptional performance in European and global markets. The platform processes over 100,000 monthly orders for 500+ merchants while serving 80,000+ purchasing companies.

AI Innovation

Two.inc's Delphi credit engine delivers decisions in under 2 seconds, offering credit limits significantly higher than traditional industry bureaus. The Frida fraud engine prevented €70 million in fraud losses in 2023 alone. The platform achieves a 98% buyer acceptance rate with 95% conversion, demonstrating exceptional user experience.

Performance Metrics

• 75% reduction in credit risk management costs
• 98% buyer acceptance rate
• Credit limits substantially higher than industry bureaus
• €70 million fraud prevented in 2023
• Operations across 19 markets

Technical Capabilities

• Dual AI engines for credit and fraud
• Automated order-to-cash lifecycle management
• Multi-currency support across 19 markets
• API-first architecture for easy integration
• Real-time risk assessment and decisioning

Ideal For: European businesses and global enterprises prioritizing AI-driven credit decisioning speed and fraud prevention.

4. HighRadius

HighRadius provides a software-only approach to enterprise AR automation, focusing on in-house management of accounts receivable processes. The platform covers the complete AR spectrum including credit management, collections, deductions, and cash application.

AI-Powered Automation

HighRadius emphasizes AI-driven DSO reduction through autonomous collections, predictive analytics for payment forecasting, and intelligent cash application. The software-only model allows enterprises to maintain control over their AR processes while leveraging advanced automation capabilities.

Core Functionality

• AI-powered cash application automation
• Autonomous collections management
• Predictive analytics for payment forecasting
• Comprehensive credit management
• Dispute and deduction management

Strategic Positioning: HighRadius is suited for enterprises that prefer to manage AR operations internally. The platform excels at discrete AR process optimization with advanced AI capabilities.

Ideal For: Large enterprises seeking software-only AR automation with AI capabilities while maintaining in-house control over credit decisions and collections.

5. BlackLine

BlackLine distinguishes itself by natively unifying invoice-to-cash (I2C) processes with financial close and accounting automation. This unique positioning connects AR operations directly to broader financial management workflows.

Integrated Approach

BlackLine's platform includes a comprehensive AR suite covering cash application, collections, credit management, and dispute resolution. The direct integration with balance sheet reconciliation and financial close processes provides visibility across the entire financial operation.

Key Capabilities

• Native I2C and financial close integration
• AI-powered cash application and intelligent collections
• Direct balance sheet reconciliation integration
• Intelligent compliance for global e-invoicing
• Comprehensive AR automation suite

Market Position: BlackLine positions itself as a platform that natively unifies comprehensive I2C and Accounts Receivable automation solutions with financial close and accounting automation.

Ideal For: Enterprises prioritizing unified financial operations where AR automation must seamlessly integrate with broader accounting and financial close processes.

6. Rillion

Rillion combines AP automation with payment execution, serving 3,000+ companies with a focus on mid-market businesses. The platform emphasizes payment rebates through virtual card usage while providing comprehensive automation capabilities.

Payment Optimization

Rillion's one-click vendor payments support ACH, wire transfers, and virtual cards, with the latter generating rebate opportunities for businesses. The platform processes over 40 million invoices annually across 3,000+ customers, demonstrating robust scalability for growing businesses.

Feature Set

• One-click vendor payments with multiple methods
• Virtual card payments with rebate opportunities
• AI-powered invoice capture with high accuracy
• Multi-entity management across 50+ ERP integrations
• Automated payment reconciliation

Customer Validation: Adrian Galvin, CEO of VMG Construction, noted: "What Rillion provides is great for what I need, and it has all the tools that I need in order to process all invoices and get them approved in line with my project managers and my account payables."

Ideal For: Mid-market companies seeking to combine AP automation with payment execution and rebate optimization.

7. Versapay

Versapay focuses on collaborative accounts receivable, creating a network that connects finance teams directly with their customers for improved communication and dispute resolution. The cloud-based platform emphasizes customer payment experience and relationship management.

Collaboration Features

Versapay's AR network facilitates direct communication between B2B sellers and buyers, streamlining dispute resolution and payment coordination. The platform includes integrated payment processing, automated invoicing, and intelligent reminders to reduce friction in the collection process.

Core Capabilities

• Collaborative AR network for customer communication
• Integrated payment processing
• Invoice collaboration and dispute management
• Automated invoicing and payment reminders
• Customer payment experience optimization

Market Position: Versapay is recognized as a strong solution for businesses prioritizing collaborative AR and customer communication in their collections process.

Ideal For: Mid-market companies that value customer collaboration and relationship management in their AR processes, particularly those with complex dispute resolution needs.

8. BILL

BILL operates a member network of more than 8 million (per recent company statements). The solution emphasizes fast implementation, mobile accessibility, and strong accounting software integrations.

SMB Focus

BILL's platform provides straightforward invoicing with minimal implementation requirements, making it accessible for businesses without dedicated finance teams. The extensive vendor network enables fast, secure payments while strong integrations with QuickBooks and other accounting platforms ensure seamless financial management.

Key Features

• Extensive network of over 7 million members
• Automated workflows with role-based permissions
• Mobile access via iOS and Android applications
• Strong accounting software integrations
• Simple invoicing with minimal implementation

User Feedback: Reviews consistently cite "visibility and control over spending" as key benefits.

Ideal For: Small to mid-sized businesses seeking simple, fast-to-implement AR solutions with strong vendor network support and accounting integrations.

9. Balance

Balance specializes in embedded B2B checkout financing, offering a 0 DSO guarantee through merchant financing. The API-first platform enables omnichannel acceptance while providing end-to-end AR automation with integrated financing.

Checkout Integration 

Balance's platform is purpose-built for seamless integration into B2B e-commerce checkout flows, providing instant credit decisions and immediate merchant funding. The 0 DSO guarantee ensures businesses receive payment immediately regardless of customer payment terms.

Core Capabilities

• Embedded B2B checkout financing
• 0 DSO guarantee with merchant financing
• AI-powered credit risk management
• End-to-end AR automation with financing
• API-first platform for omnichannel acceptance

Strategic Positioning: Balance combines financing with AR automation in a checkout-focused solution, making it attractive for B2B e-commerce businesses seeking to eliminate cash flow delays while enhancing customer payment options.

Ideal For: B2B e-commerce businesses and marketplaces seeking embedded checkout financing with immediate payment guarantees.

10. Slope

Slope is purpose-built for B2B marketplaces, focusing on instant net terms approval at checkout to drive conversion uplift. The platform provides specialized repayment workflows designed specifically for marketplace environments.

Marketplace Specialization

Slope's instant approval capability at checkout addresses the unique needs of B2B marketplaces where conversion optimization is critical. The platform's repayment workflows are tailored to marketplace dynamics, ensuring smooth payment collection across diverse buyer segments.

Key Features

• Instant net terms approval at checkout
• Repayment workflows for B2B marketplaces
• Conversion uplift optimization
• Marketplace-specific payment infrastructure
• Real-time credit decisioning

Market Position: Slope is particularly useful when the primary need is conversion uplift in digital checkout environments, especially for B2B marketplaces serving diverse buyer segments.

Ideal For: B2B marketplaces prioritizing conversion optimization and instant checkout financing capabilities.

11. Tipalti

Tipalti markets payouts across 200+ countries/territories and 120 currencies, and states 4,000+ companies use its platform (as cited in recent materials). The platform specializes in high-volume AP automation with comprehensive tax compliance features.

Global Capabilities

Tipalti's platform handles complex international payment requirements including built-in tax compliance for W-8, W-9, and 1099 reporting. The self-service vendor portal simplifies onboarding while supporting 50+ payment methods including local bank transfers across 196 countries.

Key Features

• Payments to 196 countries in 120+ currencies
• Built-in tax compliance automation
• Self-service vendor portal for onboarding
• 50+ payment methods including local options
• High-volume AP automation

User Feedback: Reviews praise Tipalti for eliminating manual bank detail verification.

Ideal For: Companies with high cross-border payment volumes and complex international tax compliance requirements.

12. Billtrust

Billtrust represents an established enterprise AR automation provider with 24+ years of experience processing over $1 trillion in invoice value annually for 2,400+ customers across 40 industries.

Proven Track Record

Billtrust's mature platform operates across 32 countries with AI-powered capabilities spanning automated invoicing, payments, and cash application. The company's extensive industry experience across 40 verticals provides deep domain expertise for complex enterprise requirements.

Enterprise Capabilities

• 24+ years of AR automation experience
• Processes $1+ trillion in invoice value annually
• 2,400+ enterprise customers across 40 industries
• Operations in 32 countries
• AI-powered platform with comprehensive automation

Market Position: Billtrust is recognized as a mature enterprise AR automation solution, particularly valuable for businesses seeking proven, scalable platforms with extensive industry experience.

Ideal For: Large enterprises seeking established, proven AR automation platforms with extensive industry experience and global operations.

Making Your Choice: Essential Considerations

Financing vs. Software-Only Models

The fundamental distinction in net terms management is between platforms that provide financing (ResolvePay, Balance, Slope) versus software-only solutions (HighRadius, BlackLine, Versapay). ResolvePay's non-recourse financing approach offers immediate cash flow benefits by advancing up to 90-100% of invoice value within 24 hours while assuming credit risk. Software-only solutions provide process automation and are designed for businesses that prefer to handle financing internally.

Target Market Alignment

Enterprise solutions like TreviPay, HighRadius, and Billtrust are designed for complex organizational structures with dedicated finance teams. Mid-market platforms like Rillion and Versapay balance power with simplicity, while SMB solutions like BILL prioritize ease of use and fast implementation.

Integration Requirements

Consider your existing tech stack when evaluating solutions. ResolvePay's integration capabilities support QuickBooks, Shopify, Magento, and other major platforms, while enterprise solutions typically offer broader ERP connectivity. API-first platforms like Balance and Two.inc provide maximum flexibility for custom implementations.

Risk Management Approach

ResolvePay's non-recourse financing model transfers credit risk entirely to the provider, eliminating bad debt exposure for merchants. This approach is particularly valuable for businesses seeking to offer competitive payment terms without maintaining extensive in-house credit expertise. According to Forrester research on AR automation, businesses that implement advanced credit risk management see significantly reduced DSO and bad debt rates.

Global vs. Domestic Focus

International operations require platforms with multi-currency support and global compliance capabilities. Tipalti leads in cross-border payments, while Two.inc and TreviPay offer strong European and international coverage. Domestic-focused businesses can prioritize platforms optimized for their specific regional requirements.

Why ResolvePay Leads the Net Terms Management Market

ResolvePay is a premier choice for B2B net terms because it combines three capabilities most competitors split up: AI-powered credit decisioning, non-recourse financing, and end-to-end AR automation.

Its biggest differentiator is non-recourse financing—instead of leaving you to cover cash flow gaps and credit risk, ResolvePay advances up to 90–100% of invoice value within 24 hours, and you keep the funds regardless of collection outcomes. On top of that, its AI credit decisioning is 9x faster than traditional methods and supports “quiet” pre-approval checks that don’t alert buyers.

Across the full AR lifecycle, ResolvePay automates everything from white-label payment portals to AI-driven collections , with reported results like 50% less time managing receivables and 30–60% faster payment cycles—plus seamless integrations with QuickBooks, Shopify, Magento, and more. For B2B companies with $1M+ revenue, this directly supports healthier cash flow—one of the most important survival and growth factors noted by the U.S. Small Business Administration.

Frequently Asked Questions

What is Net Terms Management Software and how does it benefit my B2B business?

Net terms management software automates the entire contract-to-cash lifecycle for B2B businesses offering payment terms like Net 30, 60, or 90 days. These platforms handle credit assessment, invoice management, payment processing, and collections automatically. Benefits include accelerated cash flow through advance payments, reduced bad debt through intelligent credit decisioning, and operational efficiency through automation. ResolvePay's platform can reduce receivables management time by 50% while providing up to 90-100% advance payment on approved invoices. Gartner research on credit management indicates that automation can reduce processing costs by up to 80% while improving accuracy.

How does AI contribute to efficient net terms management and risk reduction?

AI-powered net terms platforms use machine learning models to evaluate thousands of data points for credit decisioning, delivering results in seconds rather than days. Platforms like ResolvePay and Two.inc leverage AI to generate dynamic credit limits and detect fraud patterns that traditional methods miss. This results in higher approval rates for creditworthy customers while reducing default risk. AI also automates routine AR tasks like payment reminders and cash application, reducing manual overhead and errors. The speed and accuracy of AI-driven decisioning enables businesses to scale their net terms offerings without proportionally increasing risk management costs.

Can net terms management software integrate with my existing ERP and accounting systems?

Most modern net terms platforms offer robust integration capabilities with popular ERP and accounting systems. ResolvePay integrates with QuickBooks, Oracle, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. Enterprise platforms like HighRadius and BlackLine provide extensive ERP connectivity, while API-first solutions like Balance and Two.inc offer maximum flexibility for custom implementations. Integration ensures seamless data flow between systems, eliminating manual data entry and reconciliation while maintaining a single source of truth for financial data.

Is net terms management a suitable alternative to traditional factoring for improving cash flow?

Modern net terms management platforms like ResolvePay offer a superior alternative to traditional factoring by combining financing with comprehensive AR automation. Non-recourse net terms platforms provide upfront payment while assuming credit risk, creating more favorable terms than typical factoring arrangements. These platforms also enhance customer relationships through branded payment experiences rather than notifying customers of third-party involvement, which is common in traditional factoring arrangements. The combination of immediate funding, credit risk transfer, and maintained customer relationships makes modern net terms platforms particularly attractive for B2B businesses seeking to scale.

How do net terms affect my customer relationships and buying power?

Offering net terms significantly enhances customer relationships by providing flexible payment options that increase purchasing power. Research shows that the vast majority of B2B buyers prefer net terms and are likely to purchase more when this option is available. Platforms like ResolvePay enable businesses to offer net terms while maintaining cash flow through advance payments, creating a win-win scenario where customers gain payment flexibility while sellers maintain healthy cash flow. This payment flexibility can serve as a competitive differentiator that drives new customer acquisition, particularly in industries where cash flow constraints limit buyer purchasing capacity.

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.