7 Best TreviPay Alternatives for B2B Net Terms

While TreviPay processes over $6 billion annually across 32 countries, modern B2B companies are finding superior alternatives that offer faster implementation, transparent pricing, and AI-powered underwriting. From Resolve's non-recourse financing to Slope's institutional backing, these seven platforms deliver the net terms capabilities businesses need without the complexity of traditional enterprise solutions.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides non-recourse net-terms financing (with the option to advance up to 100% of an approved invoice) and fast credit decisions with next-day payouts; pricing is not a flat 2.61%—fees vary by advance percentage, term length, and risk, with public examples around ~3% and ~3.5% when advancing 100%.
AI underwriting transforms approval speed: Modern platforms deliver credit decisions in 10-30 seconds compared to TreviPay's lengthy enterprise processes, with Slope's SlopeAI and Resolve's Smart Credit Engine leading the innovation
Implementation happens in days, not months: Balance and Resolve integrate in hours to days versus TreviPay's 6-month enterprise deployments, critical for businesses needing rapid market entry
SMB-focused solutions fill market gaps: While TreviPay targets enterprises with $200+ monthly minimums, alternatives like Resolve serve the underserved mid-market with accessible pricing and scalable solutions
Track record matters more than funding: Now Corp's 14-year operating history and $1B+ in processed invoices demonstrates the value of proven sustainability over venture capital alone
Specialization beats generalization: Versapay excels at AR automation, Balance dominates marketplaces, and Resolve leads in risk-free net terms—choose based on your specific needs

The B2B payments landscape has transformed dramatically in 2025, with AI-powered automation and non-recourse financing becoming table stakes for growing companies. While TreviPay maintains its position as an established enterprise platform, seven alternatives stand out for their unique strengths and compelling value propositions.

Independent industry research estimates the global real-time payments market (vendor revenue) at ~$25–29B in 2024, with forecasts of ≈35% CAGR through 2032. This growth has fueled innovation in net terms financing, creating sophisticated options that often surpass TreviPay in specific areas.

1. Resolve — AI-Powered Net Terms Without the Risk

Resolve stands out as the premier TreviPay alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Developed in PayPal co-founder Max Levchin's venture studio and spun out from Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments.

Key Features:

100% non-recourse financing with zero merchant risk
Instant credit decisions using proprietary AI underwriting
Net 30, 60, or 90-day payment terms
90% advance payment within one day
Risk-based fees that vary by advance % and terms (e.g., Resolve’s pricing example shows a $31.50 fee—3.15%—on a $1,000 invoice with a 90% advance)
QuickBooks and NetSuite integration
White-label payment portal for customers

Pricing Structure:

Fees vary by advance % and risk; Resolve’s own examples show ~3.15% for Net 30 with a 90% advance, and up to ~3.5% when advancing 100%.
No monthly minimums or setup fees
No hidden charges or volume requirements
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation reduces manual work by 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: Marshall Wolf Automation streamlined their entire B2B payment process, Lift Foils scaled pre-season orders with risk-free credit, and Rebag achieved a 50% reduction in order processing time.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures through $60 million in Series A funding.

2. Slope — Enterprise B2B Payments Backed by J.P. Morgan

Slope represents the next evolution in B2B payments with strategic backing from J.P. Morgan Payments. Founded in 2021 by Y Combinator alumni, the company raised $65 million from J.P. Morgan in July 2024.

Advanced Capabilities:

10-30 second approval decisions with SlopeAI
Cash flow underwriting beyond credit scores
Net 30, 60, and installment plans up to 90 days
Zero risk to merchants (non-recourse)
SlopeGPT and TransFormer AI models
Enterprise-grade security and compliance

Competitive Pricing:

Custom pricing. Slope doesn’t publish merchant discount rates; fees vary by advance percentage, buyer risk, and terms (e.g., Net 30/60). Request a quote.
Volume-based discounts available
No setup or monthly fees
Custom enterprise pricing

Slope's notable partnership with IKEA U.S. demonstrates its enterprise readiness, modernizing the furniture giant's B2B payment infrastructure. The platform's focus on Fortune 500 companies and wholesale operations addresses the same market as TreviPay but with modern technology and faster implementation.

However, as a young company with just 16 team members, Slope may not yet match TreviPay's global reach or decades of underwriting experience. The platform's SlopeAI technology uses advanced cash flow analysis, moving beyond traditional credit scores to evaluate real business performance.

3. Balance — The Stripe Experience for B2B Payments

Balance has raised $56 million in Series B funding at a $356 million valuation with backing from Lightspeed, Stripe, Salesforce Ventures, and HubSpot Ventures. The Y Combinator-backed company distinguishes itself through a developer-first approach that makes B2B payments as simple as consumer payments.

Platform Strengths:

Self-serve checkout supporting all payment methods
Credit cards, ACH, wire, checks, and net terms
Implementation in days, not months
300+ APIs for custom integrations
Hosted checkout with minimal code
20+ currency support
Consumer-grade B2B experiences

Transparent Fees:

Custom pricing models based on usage
IC+ optimization saves up to 150 basis points
Next-day merchant payouts
No risk on net terms (non-recourse)

Notable clients include Alibaba.com, Instacart Business, and ChemDirect, demonstrating strong marketplace traction. Reviewers consistently describe setup as "incredibly easy," comparing the experience favorably to Stripe's legendary developer experience.

While Balance lacks TreviPay's 40-year history and global infrastructure, its modern technology stack and marketplace specialization make it ideal for businesses prioritizing speed to market and user experience over traditional enterprise features.

4. Versapay — AR Automation Without Credit Complexity

Versapay takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. Processing over $170 billion annually across 110 million transactions, Versapay serves 10,000+ customers with a collaborative AR platform.

Core Features:

81% customer portal adoption rate (vs 20% industry average)
AI-powered cash application with 90%+ matching
Real-time dispute resolution
Native ERP integrations (NetSuite, Dynamics 365, Sage)
Machine learning segmentation
Automated payment reminders
Level 2/3 optimization reduces costs by 29%

Subscription Pricing:

Mid-market average: $5,423 annually
Enterprise plans: Up to $33,000 annually
Payment processing: Quote-based; % and per-transaction fees vary by payment method (ACH vs. card), card type/interchange, volume, and risk. Request a custom quote from Versapay.
Custom pricing for high volumes

G2 reviews praise the platform's efficiency gains, with businesses reporting 50% reductions in manual work. However, companies specifically seeking net terms financing will need to pair Versapay with another solution like Resolve's advance payment options.

The focused approach benefits companies wanting best-in-class AR automation without the complexity of managing trade credit programs, making it complementary rather than competitive with pure net terms solutions.

5. Bill.com — 493,800 Customers in Growing Network

Bill.com has built a substantial B2B payment network with 493,800 business customers and 8.3 million total network members. The publicly traded company provides comprehensive AP and AR automation beyond TreviPay's credit-focused approach.

Network Advantages:

Automated invoice processing with OCR
Customizable approval workflows
Credit lines from $1,000 to $5 million
Two-way sync with QuickBooks and Xero
Mobile app for on-the-go approvals
Automatic vendor enrollment
Strong accounting firm partnerships

Tiered Pricing Model:

Essentials: $45/user/month
Team: $55/user/month
Corporate: $79/user/month
Enterprise: Custom pricing
Transaction fees apply

Reviews highlight the user-friendly interface, though some note international payments can take seven or more days. The platform's broad scope may include unnecessary features for businesses specifically seeking net terms financing.

For companies wanting comprehensive financial automation beyond trade credit, Bill.com offers a mature solution that can replace multiple systems. The network effect means vendors are automatically enrolled when paid, simplifying future transactions.

6. Fundbox — Quick Capital for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since 2013, the platform has provided over $6 billion in funding to 500,000+ businesses.

Speed and Accessibility:

Instant decisions, next-day funding
Credit lines up to $150,000
12, 24, or 52-week repayment terms
100% invoice advances available
No personal guarantee required
Fundbox Plus tier offers 20% fee discount

High-Cost Structure:

Fees are assessed per draw as a total percentage of the amount borrowed—typically starting around 4.66% for a 12-week plan or 8.99% for a 24-week plan—and are amortized into equal weekly payments
Effective APR: Often 35% or higher
$50 late payment fees plus NSF charges
Example: $10,000 draw over 12 weeks = $1,400 in fees

Reviews consistently note that while expensive, Fundbox provides critical funding when banks won't help. The transparent fee structure and lack of hidden charges provide clarity despite high costs.

For small B2B companies needing immediate working capital and able to manage the expense, Fundbox offers a viable if costly alternative to TreviPay's enterprise platform.

7. Now — 14-Year Track Record in B2B Payment Acceleration

Now Corp represents the mature alternative to TreviPay's enterprise complexity, offering a proven "Sell Now, Collect Now" approach that has processed over $1 billion in invoices since 2010. Co-founded by serial entrepreneur Lara Hodgson and political leader Stacey Abrams, this Atlanta-based platform has built a sustainable 14-year track record serving over 1,000 B2B companies.

Key Features:

Payment in 2 business days vs traditional 90-120 day cycles
100% non-recourse financing with zero merchant liability
Automated accounts receivable management and collections
QuickBooks Online integration and REST API access
B2B and B2G (business-to-government) specialization
No personal guarantees or credit checks required

Transparent Pricing Structure:

Transaction fees: 3-5% per invoice based on terms
Payment Administration: $5 per invoice for AR management only
No setup fees, monthly minimums, or hidden charges
Off-balance-sheet transactions that don't affect debt ratios

The platform has achieved significant recognition, including selection as one of CNBC's World's Top Fintech Companies in 2023. Recent customer success stories include businesses growing from $1.5 million to $18 million in annual revenue and companies achieving 300% growth in one year after implementing NowAccount.

Now's unique positioning focuses on supporting diverse and underserved businesses, with co-founder Stacey Abrams bringing her economic equity advocacy into the company's mission. The platform has raised $9.5 million in Series A funding from Virgo Investment Group, demonstrating investor confidence in its sustainable business model.

Unlike traditional factoring, Now operates as a "payment solution, not a finance solution," inspired by the credit card model but designed specifically for B2B transactions. This approach allows businesses to offer competitive payment terms to enterprise and government clients while maintaining healthy cash flow for operations and growth.

Emerging AI-First Platforms Signal the Future

Beyond these established alternatives, 2025 witnesses the rise of AI-native platforms transforming the B2B payments landscape:

Resolve's Advanced Features (expanding beyond basic net terms):

AI-powered credit decisions in under 30 seconds
Factoring advance rates up to 90%
LLM-powered invoice processing
Automated reconciliation reducing manual work by 90%

Market Consolidation Trends: According to McKinsey research, businesses using AI underwriting see approval rates increase by 20-30% while maintaining or reducing default rates. This drives consolidation toward platforms with proven AI capabilities and sustainable business models.

The shift toward non-recourse financing reflects growing merchant demand for risk-free growth capital. Traditional factoring models requiring 5-20% fees and loss of customer control are being replaced by transparent, technology-driven solutions like Resolve's platform.

Making the Right Choice for Your Business

For B2B companies evaluating TreviPay alternatives, the choice ultimately depends on your business stage, technical sophistication, and risk tolerance:

By Business Stage:

Early-stage companies: Resolve (risk-free, transparent pricing)
Mid-market businesses: Balance, Slope, or Now (developer-friendly, scalable, or proven track record)
Enterprise organizations: Slope or Versapay (enterprise features, institutional backing)
Marketplace operators: Balance (specialized e-commerce features)
Government contractors: Now (B2G specialization, diverse business focus)

Cost Comparison for $1M Monthly Processing:

Resolve: $31,500–$35,000/month (~3.15%–3.5% flat fee)
Slope: Custom pricing (contact required)
Balance: Custom pricing (contact required)
Now: ~$30,000-50,000/month (3-5% transaction fees)
Bill.com: $45-79/user/month plus transaction fees
Versapay: $5,423-33,000 annually plus processing
Fundbox: 35%+ APR (not recommended for high volumes)

Implementation Timeline Reality Check:

Same day: Resolve (with existing integrations)
1-2 days: Balance (developer-focused setup)
1-2 weeks: Slope (basic enterprise setup), Now (QuickBooks integration)
2-4 weeks: Versapay (including ERP integration)
4-8 weeks: Bill.com (full network setup)
~6 weeks (timeline varies by scopes: TreviPay enterprise deployment)

For companies seeking expert guidance on B2B payment platform selection and implementation, Resolve's consultancy services provide hands-on support through dedicated account management and technical integration assistance.

Frequently Asked Questions

How do modern B2B payment platforms differ from traditional factoring?

Unlike traditional invoice factoring, modern platforms like Resolve offer non-recourse financing where merchants face zero risk if customers default. Traditional factoring requires selling invoices at steep discounts (often 5-20% fees) and losing control of customer relationships. Modern solutions provide transparent flat-rate pricing (typically 2-3%), maintain merchant control over customer interactions, and integrate seamlessly with existing systems. Additionally, platforms like Resolve offer advance rates up to 90% with instant credit decisions versus the lengthy approval processes and lower advances common in factoring.

What should I consider when switching from TreviPay to an alternative?

Key considerations include implementation timeline (days vs months), integration capabilities with your existing tech stack, pricing transparency, and risk management approach. Evaluate whether you need global coverage like TreviPay offers or if domestic focus suffices. Consider your customer base—SMB-focused platforms like Resolve excel at rapid approvals for mid-market buyers, while enterprise solutions may better serve Fortune 500 clients. Review contract terms carefully, especially regarding non-recourse provisions, monthly minimums, and termination clauses. Plan for data migration and ensure your chosen platform can import existing customer credit histories.

How quickly can I implement a TreviPay alternative?

Implementation speed varies dramatically by platform. Resolve and Balance offer integration in hours to days through turnkey connectors with platforms like BigCommerce, Shopify, and QuickBooks. Slope typically requires 1-2 weeks for basic setup with additional time for enterprise customization. Versapay averages 2-4 weeks including ERP integration and training. Compare this to TreviPay's enterprise implementations that commonly stretch 3-6 months. The fastest implementations come from platforms with pre-built integrations, self-serve onboarding, and dedicated implementation support teams.

What happens to my existing net terms customers if I switch platforms?

Most modern platforms facilitate smooth customer transitions. Resolve performs rapid credit evaluations on existing customers, often approving established buyers within 24 hours based on payment history. Your customers typically experience minimal disruption—they receive notification of the new payment portal but maintain their existing terms and credit limits. Some platforms like Resolve offer white-label solutions that preserve your branding throughout the transition. Best practice includes communicating changes 30 days in advance and providing dedicated support during the switch.

How do AI-powered credit decisions compare to traditional underwriting?

AI-powered platforms like Resolve and Slope analyze thousands of data points in real-time, delivering credit decisions in seconds versus days or weeks for traditional underwriting. These systems evaluate cash flow patterns, bank transactions, and business performance rather than relying solely on credit scores. According to McKinsey research, businesses using AI underwriting see approval rates increase by 20-30% while maintaining or reducing default rates. The technology particularly benefits newer businesses or those in emerging industries that traditional underwriting might reject despite strong fundamentals.

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.