Selecting the right financial platform for your business depends on understanding exactly what problem you need to solve. While Invoiced focuses on accounts receivable automation and billing workflows, and Payability accelerates marketplace payouts for e-commerce sellers, neither addresses the complete challenge facing B2B suppliers: extending competitive payment terms while maintaining healthy cash flow and managing credit risk. Resolve Pay's net terms financing offers a fundamentally different approach, combining non-recourse invoice financing with AI-powered credit decisions and automated AR management in a single integrated platform.
The financial technology market for business payments encompasses three distinct categories, each serving fundamentally different operational models. Understanding these differences helps finance leaders select tools aligned with their business structure and growth objectives.
Accounts receivable automation platforms like Invoiced serve as workflow management systems for finance teams. These platforms provide:
The value proposition centers on reducing manual work through better automation and visibility. However, these systems focus on process efficiency rather than addressing the underlying cash flow challenge of waiting 30-90 days for customer payments.
Marketplace payout accelerators like Payability represent a specialized financing category designed for e-commerce sellers on platforms like Amazon and Walmart. These tools provide:
The financing model works well for inventory-heavy marketplace businesses but operates entirely within the e-commerce ecosystem rather than traditional B2B invoicing.
B2B net terms platforms like Resolve Pay represent a comprehensive approach to the payment terms challenge. Rather than simply automating AR processes or accelerating marketplace payouts, Resolve Pay's B2B payments solution enables suppliers to offer competitive Net 30/60/90 terms to business buyers while receiving advances on eligible invoices. The platform combines:
The fundamental distinction lies in their financial workflows: Invoiced focuses on AR efficiency, Payability accelerates eligible marketplace payouts, and Resolve Pay helps B2B suppliers offer payment terms while receiving advances on approved invoices, generally within 1-2 business days.
Invoiced operates as a dedicated AR automation and invoicing solution owned by Flywire. The platform focuses on streamlining billing workflows for finance teams handling complex invoice-to-cash processes.
Invoiced provides several key features for AR management:
Invoiced earns strong marks for usability, with a 9.3/10 ease-of-use rating and 9.1/10 quality-of-support score on G2. The platform accumulates 417 G2 reviews and 149 Capterra reviews, indicating substantial market presence.
The platform reports that clients using automation experience faster payment collection, with autopay and card payment features accelerating the collection process.
Invoiced focuses exclusively on AR automation without any financing component. Businesses needing cash flow acceleration beyond faster collection processes would need to pair Invoiced with separate financing solutions.
AR automation helps finance teams improve invoice management and collection efficiency. For B2B suppliers that also need to extend payment terms without waiting for buyers to pay, Resolve Pay combines receivables automation with financing and credit risk management for eligible approved invoices.
Payability operates as a financing provider specifically designed for online marketplace sellers. Its daily payout program primarily serves Amazon and Walmart sellers, with additional marketplace eligibility depending on the product and program requirements.
Payability's Instant Access product provides sellers with up to 80% of previous day's revenue rather than waiting for marketplace payout schedules. The platform evaluates sellers based on sales history rather than credit scores, making it accessible to marketplace businesses at various stages.
Key characteristics include:
Payability connects with supported marketplace seller accounts, particularly Amazon and Walmart, to evaluate sales performance and facilitate accelerated payouts.
Payability's accelerated payout services are designed around eligible marketplace earnings. Resolve Pay addresses a different business workflow by helping manufacturers, distributors, and wholesalers extend payment terms directly to business buyers while receiving earlier payment on approved invoices.
Payability's marketplace-focused financing model differs from the invoicing, credit management, and collections workflows used by traditional B2B suppliers. Resolve Pay brings these B2B payment functions together in one platform.
Resolve Pay serves B2B manufacturers, distributors, and wholesalers by combining invoice financing, buyer credit assessment, AR automation, and collections management in a unified platform. Unlike Invoiced's process automation or Payability's marketplace focus, Resolve Pay's accounts receivable solution addresses the complete order-to-cash cycle for businesses extending payment terms to business customers.
Resolve Pay enables sellers to offer Net 30/60/90 payment terms to approved buyers while receiving advances on eligible approved invoices. The non-recourse model means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Key capabilities include:
Resolve Pay connects with major accounting, ERP, and ecommerce platforms:
Available synchronization features depend on the connected system and integration configuration.
Resolve Pay's agentic collections capability provides:
This automation reduces manual collection work while preserving customer relationships through professional, consistent communication.
Real businesses using Resolve Pay demonstrate the platform's impact across different B2B sectors:
Resolve Pay serves 15,000+ businesses with SOC 2 Type II certification and won the 2025 BigCommerce Innovative Integration Award. The platform was built by former executives from Affirm, Amazon, and PayPal, bringing consumer BNPL expertise to B2B commerce.
Understanding the distinctions between different financing models helps businesses select the right approach for their specific situation.
Traditional invoice factoring involves selling unpaid invoices to a third party at a discount. According to invoice factoring guidance, factoring can provide earlier access to working capital, but arrangements vary in structure.
Payability's model differs from traditional factoring because sellers have already earned the revenue. Marketplace platforms simply hold funds during standard payout cycles. Payability provides faster access to these already-earned funds rather than financing unpaid invoices from customers.
Resolve Pay provides non-recourse net terms financing for eligible approved invoices. Suppliers can receive an advance before the buyer's payment due date while Resolve Pay manages the associated credit and collections processes. Non-recourse protection generally covers repayment obligations arising solely from covered buyer credit defaults, subject to program terms, eligibility requirements, and applicable exclusions.
Key differentiators include:
For B2B suppliers extending payment terms to business buyers, Resolve Pay provides an integrated approach to managing credit assessment, funding, invoicing, and collections.
When evaluating invoicing and payment platforms, several core capabilities determine operational effectiveness and scalability.
Resolve Pay generates invoices synced from ERP systems and supports basic recurring billing. The platform's white-labeled buyer portal displays all invoices, credit lines, and payment history in a branded experience maintaining the seller's identity.
Invoiced provides full subscription management including proration, usage-based billing, and comprehensive recurring invoice capabilities. The customer portal allows buyers to view invoices and manage payments independently.
Payability operates within the marketplace ecosystem and does not provide traditional invoice generation for B2B transactions.
Resolve Pay's B2B payment portal accepts:
Invoiced provides payment processing through integrated gateways, supporting multiple payment methods and international currencies for global billing workflows.
Payability focuses on marketplace fund acceleration rather than traditional payment processing, operating entirely within supported marketplace platforms.
The integration capabilities of each platform reflect their respective workflows. Resolve Pay supports accounting, ERP, and ecommerce integrations, while Invoiced provides connectivity for receivables management and Payability connects with supported marketplace seller accounts.
Resolve Pay integrations:
Available synchronization features depend on the connected system and integration configuration.
Invoiced integrations:
Payability integrations:
Effective cash flow management requires more than efficient AR processes. The SBA's cash flow guidance highlights a common challenge for B2B businesses: extending payment terms to customers while maintaining enough working capital to cover daily operations.
Business buyers increasingly expect payment terms. Offering Net 30, Net 60, or Net 90 can be the difference between winning and losing deals. However, extending these terms creates a cash flow gap that strains operations, limits growth investments, and increases exposure to customer defaults.
Traditional approaches include:
Invoiced accelerates collection by automating reminders and reducing manual AR work. Clients report faster payment collection depending on features used. However, automation improves process efficiency rather than providing immediate working capital access.
Payability eliminates the wait for marketplace funds specifically, providing 80% of daily revenue within 24 hours for qualified sellers. For marketplace sellers, this transforms cash flow timing within the e-commerce ecosystem.
Resolve Pay helps B2B suppliers access invoice advances, with funding generally available within 1-2 business days for eligible approved invoices. Advance amounts depend on the financing arrangement and buyer approval. Buyers continue paying according to their agreed terms, while eligible financed invoices receive non-recourse protection against covered buyer defaults, subject to program conditions.
Days Sales Outstanding (DSO) measures the average time required to collect receivables. Financing and collection automation can influence working capital availability differently.
Resolve Pay improves working capital availability by advancing funds against approved invoices. The actual accounting treatment and reported DSO depend on how the financing arrangement is recorded. Faster funding should not automatically be presented as an equivalent reduction in customer payment collection time.
The most effective approach to B2B payments combines multiple capabilities in a unified platform rather than requiring separate tools for each function.
Businesses using separate solutions for invoicing, credit decisions, financing, and collections face several challenges:
Invoiced provides comprehensive AR automation within its scope, handling invoice generation, payment processing, dunning, and reconciliation. The platform integrates with major ERPs and accounting systems for data synchronization.
However, Invoiced focuses specifically on AR workflow management. Businesses needing credit decisioning, invoice financing, or non-recourse protection would need to add separate solutions, creating the multi-tool challenge described above.
Payability operates as a specialized financing tool for marketplace sellers. The platform does not provide AR automation, invoicing capabilities, or ERP integration since its focus remains entirely on accelerating marketplace fund access.
Payability's marketplace-focused financing model differs from the invoicing, credit management, and collections workflows used by traditional B2B suppliers. Resolve Pay brings these B2B payment functions together in one platform.
Resolve Pay combines AR automation, invoice management, payment reminders, reconciliation, and agentic collections with non-recourse financing for eligible approved invoices. Suppliers can generally receive advances within 1-2 business days while Resolve Pay manages buyer credit assessment and payment workflows. Protection against covered buyer defaults remains subject to program terms.
This integration allows businesses to coordinate invoice financing, credit assessment, payment management, and collections within a unified platform. Resolve Pay's accounting and ERP integrations help synchronize supported transaction data and reduce manual reconciliation. The available synchronization functions depend on the connected platform and implementation.
Resolve Pay's customer examples demonstrate how integrated accounting workflows and collections automation can substantially reduce manual work. Results vary by business, implementation, and existing AR processes.
For manufacturers, distributors, and wholesalers, managing payment terms involves more than generating invoices or accelerating individual payments. Businesses need coordinated credit decisions, reliable access to working capital, efficient collections, and financial workflows that support customer relationships.
Resolve Pay's B2B payments platform brings these capabilities together through:
By allowing qualified buyers to pay on approved terms while suppliers receive advances on eligible invoices, Resolve Pay helps B2B companies support sales growth, improve cash flow flexibility, and reduce manual receivables administration.
For businesses looking to modernize their credit-to-cash operations, Resolve Pay provides an integrated foundation for managing B2B payments and supporting long-term growth.
Resolve Pay combines invoice management, payment reminders, reconciliation, and agentic collections within an integrated B2B payments platform. Businesses can coordinate buyer payment activity, manage supported accounting workflows, and reduce routine receivables administration. Resolve Pay also offers financing on eligible approved invoices, allowing suppliers to access working capital while customers pay according to their agreed terms.
Integrated platforms eliminate data silos, reduce manual reconciliation, and streamline workflows. With separate tools for invoicing, credit decisions, financing, and collections, businesses face process gaps, vendor management complexity, and integration challenges. Resolve Pay's single platform handles the complete order-to-cash cycle with native ERP integrations, reducing administrative overhead while providing comprehensive functionality.
Resolve Pay provides non-recourse net terms financing for eligible approved invoices. Suppliers can receive an advance before the buyer's payment due date while Resolve Pay manages the associated credit and collections processes. Non-recourse protection generally covers repayment obligations arising solely from covered buyer credit defaults, subject to program terms, eligibility requirements, and applicable exclusions.
Resolve Pay generally provides advances on eligible approved invoices within 1-2 business days. Funding depends on buyer approval, invoice eligibility, verification requirements, and the financing arrangement. This helps B2B suppliers access working capital sooner while allowing buyers to retain their approved Net 30, Net 60, or Net 90 payment terms.
Resolve Pay connects with major accounting, ERP, and ecommerce platforms including QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. The platform also provides flexible APIs for custom integrations. Available synchronization features depend on the connected system and integration configuration, helping businesses coordinate financial data across their technology stack.
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.