Selecting the right B2B payments platform can determine whether your business thrives with healthy cash flow or struggles with extended payment cycles and credit risk. While Balance Payments provides embedded B2B payments, trade credit, and AI-powered receivables capabilities, Resolve Pay delivers comprehensive AR automation with non-recourse net terms financing for manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose a solution that matches their operational model, cash flow needs, and growth objectives.
The shift toward digital B2B payments has fundamentally changed how manufacturers, distributors, and wholesalers manage their receivables. Federal Reserve research highlights the growing adoption of electronic B2B payments as businesses seek to modernize payment processes, improve efficiency, and streamline financial operations.
B2B transactions historically relied on paper invoices, manual processing, and check payments that stretched payment cycles to 60 days or longer. Modern invoice payment systems eliminate these inefficiencies through automated generation, electronic delivery, and multiple payment acceptance methods.
Both Resolve Pay and Balance Payments address this digital transformation, though with different approaches and target markets.
Resolve Pay's approach combines:
Balance Payments' approach provides:
Both platforms support B2B sellers and payment workflows. Resolve Pay emphasizes integrated non-recourse financing, credit management, and AR automation for manufacturers, distributors, and wholesalers. Balance Payments combines embedded payments with trade credit, collections, and cash application capabilities for B2B commerce.
Small and mid-market B2B businesses face unique payment processing challenges that enterprise solutions often fail to address. Cash flow constraints, limited credit teams, and the need for competitive payment terms create a difficult balancing act.
Cash Flow Timing Mismatches: When suppliers extend Net 30, 60, or 90 payment terms, they effectively finance their buyers' operations. This creates cash flow gaps that can restrict growth, limit inventory purchases, and strain vendor relationships.
Credit Risk Exposure: Extending credit to business buyers without proper underwriting exposes sellers to bad debt losses. Small businesses often lack the resources for sophisticated credit analysis, leading to either overly conservative credit policies that lose sales or loose policies that generate write-offs.
Collections Burden: Following up on overdue invoices consumes time that small business owners and finance teams should spend on strategic activities. Manual tracking, reminders, and escalation create operational drag.
Resolve Pay tackles cash flow through:
Balance Payments addresses payment processing through:
Balance Payments supports B2B payment acceptance, financing, and receivables workflows. Its working capital impact depends on the financing arrangements, transaction structure, and payment services used by each customer.
Understanding invoice payments extends beyond simple transaction processing. For B2B sellers, invoices represent financial instruments that directly impact working capital, borrowing capacity, and overall business health.
When a seller issues an invoice with payment terms, they create an asset on their balance sheet. Accounts receivable represents money owed to the business, but this asset carries uncertainty until payment actually occurs.
Traditional approaches force sellers to choose between:
Modern B2B payment platforms change this dynamic by providing options that preserve margin while accelerating cash flow.
Resolve Pay's Working Capital Impact:
By advancing up to 100% of qualifying invoice value, Resolve Pay converts receivables to cash almost immediately. For a distributor with $500,000 in monthly invoices on Net 60 terms, this approach could improve working capital position by hundreds of thousands of dollars.
Customer results demonstrate this impact:
Balance Payments' Working Capital Impact:
Balance Payments provides financing and payment solutions supporting B2B transactions. The working capital impact depends on the financing arrangements and payment services implemented by each merchant.
Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk. The platform originated as a spinout from Affirm, built by former executives from Affirm, PayPal, and Amazon.
Net Terms Financing: Sellers offer Net 30, 60, or 90 terms to approved buyers. Resolve Pay provides advance payments of up to 100% on qualifying invoices, generally within 1-2 business days. Advance rates depend on underwriting, and any applicable remaining balance is released according to program terms. Non-recourse protection applies to covered buyer credit defaults on eligible approved financed invoices.
AI Credit Engine: Proprietary AI evaluates buyer information, payment history, and other relevant financial signals. The system supports rapid credit assessments, including instant decisions for qualifying buyers, while additional verification may be required. Resolve Pay also offers discreet business credit checks.
AR Automation Platform:
Agentic Collections: Multi-channel automated sequences spanning email, SMS, and voice AI outbound calls with intelligent escalation based on buyer response and payment history. The system reduces manual AR work by up to 90%.
B2B Payment Portal: White-labeled buyer dashboard showing invoices, credit lines, and payment history with multiple payment rails including ACH, wire, credit card, and check.
Resolve Pay supports integrations with major accounting and ERP platforms, including:
These integrations help synchronize supported invoice, payment, and financial data, with capabilities varying by platform and configuration. Implementation timelines depend on the systems involved and the required workflows.
Resolve Pay reports SOC 2 Type II attestation through an independent audit of applicable controls.
Balance Payments provides B2B payment infrastructure, trade credit, and AI-powered receivables automation for merchants and digital platforms. Its offering includes payment acceptance, financing, collections, and cash application capabilities.
Embedded Checkout: Hosted SDK and API enabling platforms to integrate B2B checkout directly into their buyer experience
Payment Processing: Support for ACH, wire transfers, and credit card payments, with processing times depending on the payment method and applicable service.
Buyer Financing: Credit options and trade credit solutions within B2B payment infrastructure, with available payment terms depending on the program and buyer eligibility
Collections Workflows: Automated dunning and follow-up sequences for payment collection
Cash Application: AI-powered payment matching and reconciliation
Balance Payments serves enterprise clients including GE Vernova, Instacart, Alibaba.com, and other large organizations. This client roster reflects the platform's capabilities across different B2B commerce models.
Developer Experience: API-first approach with SDK and hosted checkout options supporting technical implementations
Payment Infrastructure: Supports B2B payment acceptance and financing arrangements, with available currencies depending on the applicable service and transaction requirements
Flexible Deployment: Options spanning dashboard, SDK, or full API control
Balance Payments provides:
These capabilities support B2B order-to-cash processes, with implementation depending on the selected services and integration model.
Integration quality determines whether payment software reduces workload or creates additional manual processes.
Resolve Pay Integration Depth:
Resolve Pay supports integrations with Oracle NetSuite, QuickBooks Online, Xero, and Sage Intacct. The ecommerce integrations span Shopify, BigCommerce, Magento 2, and WooCommerce with embedded checkout capabilities. Resolve Pay won the 2025 BigCommerce Innovative Integration Award, validating the platform's ecommerce connectivity.
Balance Payments Integration Approach:
Balance Payments takes an API-first approach offering flexibility for custom integrations. The platform connects with ecommerce platforms including Shopify, BigCommerce, Magento/Adobe Commerce, and others through APIs and configurable integrations.
The API-first model provides flexibility for technical teams, while Resolve Pay's supported accounting integrations help synchronize invoice and payment data with existing financial systems.
B2B payment platforms must meet rigorous security standards to protect sensitive financial data.
Resolve Pay Security: Resolve Pay reports SOC 2 Type II attestation, supporting its commitment to independently assessed security controls.
Balance Payments Security: Balance Payments provides security and compliance controls for its financial infrastructure. Organizations evaluating payment platforms should verify current audit reports, applicable PCI DSS responsibilities, encryption practices, and contractual security requirements directly with each provider.
Payment terms directly impact both seller cash flow and buyer purchasing behavior. The ability to offer competitive terms while maintaining working capital separates thriving B2B sellers from those constrained by collection cycles.
Business buyers increasingly expect payment flexibility. Offering Net 30, 60, or 90 terms can:
The challenge lies in financing these terms without creating cash flow gaps that restrict operations.
Resolve Pay enables sellers to offer flexible net terms, including Net 30, 45, 60, and 90, with additional options depending on eligibility. Qualifying approved invoices may receive advances of up to 100%, generally within 1-2 business days. This helps reduce the cash flow gap associated with extended payment terms.
Resolve Pay assumes specified buyer credit-default risk on eligible approved financed invoices. Sellers receive qualifying advances before buyer payment, with non-recourse protection applying to covered defaults under the applicable financing agreement.
The AI Credit Engine evaluates buyer creditworthiness using multiple financial and behavioral data signals. Qualifying buyers may receive rapid decisions, while others require additional verification.
Balance Payments offers buyer financing and trade credit solutions within its B2B payment infrastructure. Available payment terms and credit arrangements depend on the program and buyer eligibility. Credit-risk allocation depends on the financing agreement.
The invoicing lifecycle spans multiple stages, each presenting automation opportunities: invoice generation, delivery, tracking, reminders, collections, reconciliation, and reporting.
Resolve Pay Automation Coverage:
Resolve Pay addresses the complete lifecycle through integrated automation:
The platform reduces manual AR work by up to 90%, freeing teams for strategic activities.
Balance Payments Automation Coverage:
Balance Payments supports collections, cash application, credit management, and dispute workflows as part of its AI-native order-to-cash infrastructure. Both platforms offer automated payment reconciliation and cash application capabilities. Resolve Pay connects these workflows to its integrated credit management, net terms financing, and accounting synchronization features.
Accounts receivable management directly impacts cash flow, borrowing capacity, and business valuation. Effective AR practices reduce DSO, minimize bad debt, and improve working capital efficiency.
Key AR metrics indicate financial health: Days Sales Outstanding (DSO), aging reports, collection effectiveness, bad debt ratio, and AR turnover.
Resolve Pay AR Management:
Resolve Pay provides real-time AR dashboards showing DSO, aging, and portfolio health. The platform's financing fundamentally changes AR dynamics by converting receivables to cash generally within 1-2 business days for eligible transactions.
Trenchless Supply reduced AR workload by 90% while achieving rapid credit approvals. This combination of automation and financing transforms AR from a collection burden to a strategic asset.
Balance Payments AR Management:
Balance Payments supports collections, cash application, and receivables workflows for AR visibility and management, with implementation depending on the selected services.
Credit risk represents a fundamental challenge for B2B sellers extending payment terms. Bad debt write-offs directly impact profitability and can threaten business viability when large accounts default.
Traditional invoice factoring involves selling receivables to a financing provider for earlier access to cash. Factoring arrangements may be recourse or non-recourse, with repayment obligations and buyer default protection determined by the contract. Resolve Pay offers a B2B net terms solution that combines qualifying non-recourse invoice advances with credit management and AR automation.
Resolve Pay's Non-Recourse Model:
Resolve Pay's financing generally operates on a non-recourse basis for eligible approved invoices. This means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
The protection applies to invoices that Resolve Pay has evaluated and approved through its AI Credit Engine. By underwriting buyer creditworthiness before extending credit, Resolve Pay assumes risk on approved transactions rather than passing it back to sellers.
Understanding Non-Recourse Protection:
Non-recourse protection through Resolve Pay applies specifically to:
Protection does not apply to invoices not submitted for financing, buyers not approved through the credit engine, disputes arising from seller performance or product issues, or situations outside covered buyer credit defaults.
Balance Payments' Credit Risk Approach:
Balance Payments offers credit assessment, financing, and DSO protection capabilities. The specific allocation of buyer default risk depends on the applicable financing or protection agreement.
Resolve Pay brings credit management, net terms financing, invoicing, payment acceptance, and AR automation into one platform. For manufacturers, distributors, and wholesalers, this integrated approach helps reduce manual work and maintain cash flow while offering approved buyers flexible payment terms.
Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries through:
By combining these functions, Resolve Pay helps suppliers streamline receivables management while improving access to working capital.
Customer results validate this approach:
Resolve Pay also supports embedded net terms through ecommerce integrations and APIs. Sellers can offer approved buyers flexible payment options during checkout while connecting transactions to their broader credit and receivables workflows.
The platform's combination of non-recourse financing, credit decisioning, and AR automation addresses the complete receivables challenge for traditional B2B suppliers selling physical goods on credit terms.
Resolve Pay combines credit assessment, net terms financing, invoice management, payment collection, and AR automation within one platform. Manufacturers, distributors, and wholesalers can offer qualifying buyers flexible terms while receiving advance payments on eligible approved invoices. The platform also helps automate reconciliation and collections, reducing administrative work and supporting predictable cash flow.
Resolve Pay supports ACH, wire transfers, credit cards, and checks through its branded payment portal. Buyers can review invoices and make payments through supported methods, while sellers manage transactions and receivables through a centralized platform.
Resolve Pay provides advance payments of up to 100% on qualifying approved invoices, generally within 1-2 business days. The advance amount depends on underwriting and program terms, and any applicable remaining balance is handled according to the financing agreement. This funding speed transforms receivables into working capital almost immediately compared to waiting 30-90 days for traditional invoice collection.
Resolve Pay supports integrations with major accounting and ERP platforms, including Oracle NetSuite, QuickBooks Online, Xero, and Sage Intacct. These integrations help synchronize supported invoice, payment, and financial data, with capabilities varying by platform and configuration. Resolve Pay also provides APIs for custom requirements. Some merchants can begin using the platform within days, while more complex implementations may require additional setup.
Resolve Pay's non-recourse financing means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. When Resolve Pay approves a qualifying invoice for non-recourse financing, the seller receives an advance and is generally protected from repayment obligations arising solely from covered buyer credit defaults, subject to program terms and exclusions. This protection reduces bad debt exposure on eligible financed 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.