While HighRadius serves large enterprise organizations with its AR automation platform, mid-market B2B sellers may also evaluate solutions designed for faster implementation and integrated cash flow support. From Resolve Pay's non-recourse financing to specialized collections automation tools, these seven platforms provide AI-powered capabilities for growing businesses seeking alternatives to traditional enterprise solutions.
The B2B payments landscape continues its rapid transformation in 2026, with AI-powered automation and non-recourse financing becoming essential capabilities for growing companies. While HighRadius maintains its position as an established enterprise finance automation platform processing trillions of dollars annually, seven alternatives stand out for their unique strengths and compelling value propositions for mid-market businesses. The global real-time payments market is projected to grow at a 34.3% CAGR from 2026 to 2034, reflecting broader digital payments growth and continued investment in financial technology.
Resolve Pay stands out by uniquely combining non-recourse net terms financing with comprehensive AR automation in a single integrated platform. Resolve Pay originated from the B2B side of Affirm and was spun off as an independent business in 2018. Today, the platform focuses on helping B2B merchants, manufacturers, distributors, and wholesalers manage net terms, credit, receivables, payments, and collections.
Resolve Pay addresses the fundamental cash flow gap created by offering net terms. While traditional AR platforms automate processes, sellers still wait 30-90 days for payment. Resolve Pay can accelerate access to cash on eligible approved invoices rather than requiring sellers to wait through the full net terms period, transforming the cash conversion cycle entirely.
The platform's pre-built integrations support rapid deployment compared to enterprise solutions. Most teams launch quickly with existing connector support, avoiding the months-long implementations common with enterprise platforms. This speed-to-value matters significantly for mid-market companies without dedicated IT resources.
Customer success stories demonstrate significant business impact:
The AR automation platform eliminates manual invoice generation, payment reminders, reconciliation, and collections. Smart payment reconciliation uses machine learning to match payments to invoices automatically, while the agentic collections system handles follow-ups through intelligent multi-channel sequences that preserve customer relationships.
Unlike traditional factoring arrangements, Resolve maintains merchant control over the entire buyer relationship through its white-label experience. The platform currently serves over 15,000 businesses and won the 2025 BigCommerce Innovative Integration Award, demonstrating strong market traction.
Billtrust provides a comprehensive order-to-cash platform processing substantial invoice volumes across thousands of customers. The company was founded in 2001 and was acquired by EQT in 2022. It provides order-to-cash capabilities for businesses managing substantial invoice and payment volumes.
Billtrust provides order-to-cash capabilities for businesses managing substantial invoice volumes and complex billing workflows. The platform's strength in AP portal connectivity makes it valuable for companies whose customers use multiple procurement systems. However, the platform does not offer invoice financing capabilities.
Mid-market companies seeking both AR automation and cash flow acceleration may find Billtrust's software-only approach requires pairing with a separate financing solution. Resolve Pay differentiates its approach by combining AR automation with net terms financing in a single integrated platform.
Versapay focuses on collaborative AR automation, including buyer-facing portals, cash application, and dispute management. The platform processes substantial transaction volumes across thousands of customers, emphasizing collaboration between suppliers and buyers.
Versapay focuses on collaborative AR automation with buyer-facing portals and dispute management as key strengths. The platform's capabilities in customer portal adoption can reduce collection friction. However, businesses specifically seeking net term financing will need to pair Versapay with another solution, as the platform does not provide invoice advances or credit risk protection.
The AR automation comparison reveals that while Versapay focuses on process automation, Resolve Pay addresses both AR automation and cash flow acceleration through its combined financing and collections platform.
Esker provides document-driven automation across the entire order-to-cash cycle. Founded in 1985 and headquartered in France, the platform brings decades of document processing expertise to AR automation.
Esker focuses on document-driven order-to-cash automation and supports organizations with complex document and global receivables workflows. Resolve Pay takes a different approach by combining AR automation with net terms financing and credit workflows for B2B sellers. Companies should evaluate whether document automation alone meets their needs or whether integrated financing capabilities would provide additional value.
Quadient acquired YayPay in 2020, and the platform is now known as Quadient AR. It provides accounts receivable automation capabilities for finance teams, including collections workflows and receivables management. The platform emphasizes predictive analytics and risk-based collection workflows.
Quadient AR focuses on receivables automation, predictive analytics, and collections workflows for finance teams. The platform's predictive capabilities help teams prioritize accounts based on payment likelihood, improving overall collections efficiency.
Resolve Pay differentiates its approach by combining collections automation with credit decisioning and non-recourse Advance Pay on eligible approved invoices. Companies needing both collections automation and immediate cash access should evaluate how each platform addresses their specific workflow requirements.
Gaviti provides collections management software serving mid-market to enterprise companies. The platform focuses on automating collection workflows and reducing the manual effort required to follow up on outstanding invoices.
Gaviti focuses on collections workflow automation, including reminders, segmentation, task management, and receivables analytics. The platform helps reduce manual follow-up work and improves team productivity.
Resolve Pay adds credit decisioning and Advance Pay to its broader credit-to-cash workflow, which may be relevant for B2B sellers that also want to accelerate cash flow. Companies evaluating collections platforms should consider their full spectrum of needs across credit, financing, AR automation, and collections.
Upflow provides AR workflow automation for companies looking to improve receivables visibility and collections workflows. The platform targets growth-stage companies needing implementation support without extensive IT resources.
Upflow is designed for growth-stage companies and SMBs seeking AR visibility and collections workflow automation. The platform provides AR dashboard capabilities that can help teams gain visibility into receivables status.
Resolve Pay is designed around a broader B2B credit-to-cash workflow that also includes net terms, credit decisioning, financing, payments, and collections. Companies should evaluate which platform architecture best fits their specific business model and growth objectives.
HighRadius is designed around enterprise order-to-cash automation, while Resolve Pay focuses on an integrated credit-to-cash model for B2B sellers that combines net terms, financing, credit decisioning, AR automation, payments, and collections.
HighRadius provides comprehensive O2C capabilities including:
HighRadius is designed around enterprise order-to-cash automation, with implementation requirements varying based on modules, integrations, and organizational complexity. The platform automates AR processes but does not provide invoice financing, meaning companies still wait through full payment terms for customer payments.
For mid-market B2B sellers that want AR automation together with cash flow acceleration, Resolve Pay provides an integrated approach centered on B2B trade credit and receivables workflows. The platform combines net terms financing with collections automation, credit decisioning, and payment processing in a single workflow designed specifically for B2B merchants.
For mid-market manufacturers, distributors, wholesalers, and other B2B sellers, Resolve Pay brings net terms, credit decisioning, financing, accounts receivable automation, payments, and collections into one connected workflow.
Resolve Pay is particularly relevant for businesses that want to:
Unlike a software-only AR workflow, Resolve Pay combines operational automation with credit and liquidity capabilities. This allows B2B sellers to manage more of the credit-to-cash lifecycle through a single platform while continuing to offer buyers flexible payment terms.
McKinsey research describes how AI and multiagent systems can streamline credit workflows, including faster decision-making and productivity improvements in credit analysis. Resolve Pay applies these principles to B2B net terms, using AI-powered underwriting to deliver credit decisions in under 24 hours while managing risk through non-recourse financing structures.
For businesses seeking to strengthen their credit-to-cash workflow, Resolve Pay provides an integrated approach built around the needs of B2B sellers. The platform's combination of net terms financing, automated collections, and payment processing creates a comprehensive solution that addresses both cash flow acceleration and operational efficiency.
Traditional factoring and modern non-recourse net terms platforms use different structures for funding receivables and managing customer payments. Resolve Pay combines non-recourse financing on eligible approved invoices with a branded buyer experience and integrated AR workflows. This approach allows merchants to accelerate cash flow while maintaining control over the customer relationship through white-label payment portals and integrated collections systems. The platform connects directly with existing accounting and ERP systems to streamline the entire credit-to-cash workflow in one place.
Key considerations include implementation timeline, financing capabilities, integration requirements, AR workflows, and the level of credit and collections support required. Evaluate whether you need software-only AR automation or combined financing plus automation based on your current cash flow situation and whether waiting through full payment terms creates business constraints. Review integration capabilities with your existing ERP, accounting software, and e-commerce platforms. Assess the vendor's experience serving companies of your size and industry. Finally, examine contract structure, integration requirements, implementation scope, and available support.
Implementation timelines vary significantly across platforms. Resolve Pay supports pre-built ecommerce, ERP, and accounting integrations, helping businesses incorporate financing and AR workflows into their existing systems. Collections-focused tools can be operational in several weeks with basic setup. Enterprise platforms may require several months for full deployment including ERP integration and training. The fastest implementations come from platforms with self-serve onboarding, pre-built connectors, and dedicated implementation support. Companies needing quick time-to-value should evaluate each platform's deployment approach and integration architecture.
Modern AI collections platforms specifically design their automation to maintain professional, relationship-preserving communication. Resolve Pay's agentic collections system uses intelligent multi-channel sequences that adjust messaging based on customer response and payment history. The system pauses automatically when payments or disputes are received, avoiding follow-ups on resolved invoices. AI-powered systems can personalize outreach timing and channel selection based on individual customer preferences, achieving better results than generic communications. Merchants maintain control over tone, timing, and escalation thresholds, ensuring collection efforts align with brand values and customer relationship priorities.
Resolve Pay evaluates business buyers using its own credit decisioning process, and approved credit lines are determined at Resolve Pay's discretion based on buyer verification and underwriting. Existing customer history may be relevant to the seller's transition planning, but current terms or credit limits should not be assumed to carry over automatically. Businesses moving from another AR platform should review buyer onboarding, integration, credit approval, and payment workflow requirements with Resolve Pay before migration. The AI-powered credit engine can evaluate established buyers rapidly, but each approval is made independently based on current creditworthiness and risk factors.
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.