Invoiced vs Terms.Tech

Selecting the right B2B payments and accounts receivable platform directly impacts your cash flow, credit risk exposure, and operational efficiency. While Invoiced focuses on AR automation and global payment infrastructure, and Terms.Tech operates as a European B2B buy now, pay later solution, Resolve Pay delivers a complete platform combining non-recourse financing, AI-powered credit decisioning, and automated collections in a single solution.

Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that aligns with their working capital needs and growth objectives. Each platform serves distinct operational models, from pure receivables management to funded payment terms with integrated credit assessment and collections automation.

Key Takeaways

Resolve Pay combines non-recourse financing with AR automation, advancing funds on eligible approved invoices within 1-2 business days while providing credit risk protection against covered buyer defaults, subject to program terms
Invoiced, acquired by Flywire in 2024, operates as an accounts receivable automation platform integrated with Flywire's global payment infrastructure supporting 140+ currencies
Terms.Tech is a European B2B buy now, pay later platform that provides payment terms, merchant funding, buyer credit assessment, and payment collection services
Resolve Pay provides automated payment reconciliation and collections through its agentic collections platform using multi-channel sequences across email, SMS, and voice AI
Resolve Pay offers streamlined onboarding through supported integrations for Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, NetSuite, Xero, and Sage Intacct
15,000+ businesses actively use Resolve Pay for integrated net terms financing and AR automation

Understanding Modern B2B Invoicing and Payment Solutions

The B2B payments landscape encompasses distinct categories, each serving different operational models and business objectives. According to the Federal Reserve Payments Study, noncash payment methods continue to evolve across the U.S. payments system. Understanding these fundamental differences helps finance leaders select solutions aligned with their cash flow requirements and risk tolerance.

AR Automation Platforms like Invoiced serve as systems for managing the invoice-to-cash process. These platforms provide invoice generation, payment reminders, cash application, and reporting dashboards that help finance teams track outstanding receivables. The value proposition centers on reducing manual work through automation. These platforms can reduce administrative work and payment delays, but invoice settlement still depends on the agreed customer payment terms and collection process unless a separate financing arrangement is in place.

B2B Buy Now, Pay Later Platforms like Terms.Tech enable merchants to offer deferred payments while receiving funding after qualifying transactions are fulfilled. Terms.Tech also handles buyer credit assessment and payment collection. Resolve Pay combines funded net terms with broader accounts receivable automation, invoice reconciliation, and credit management workflows.

Integrated Net Terms and Financing Platforms like Resolve Pay represent an integrated approach to the B2B credit-to-cash cycle. Rather than just automating invoicing or enabling payment terms separately, Resolve Pay advances cash on eligible approved invoices while providing non-recourse protection. The platform handles credit decisioning, collections, and payment reconciliation in a single solution.

The fundamental distinction lies in each platform's operating model. Invoiced emphasizes accounts receivable automation, Terms.Tech provides funded B2B payment terms and collection services, and Resolve Pay combines non-recourse invoice financing with integrated credit management and AR automation.

Key Features of Effective B2B Invoicing Software

Effective invoicing software for B2B sellers must address several core requirements that directly impact cash flow and operational efficiency.

Invoice Generation and Delivery

Modern platforms automate the creation and distribution of invoices across multiple channels. The best solutions sync directly with ERP systems to eliminate duplicate data entry and reduce errors. Invoice delivery through email, customer portals, and EDI enables businesses to meet diverse buyer preferences.

Payment Reminders and Collections

Automated payment reminders significantly reduce the manual burden on AR teams. Intelligent systems escalate communications based on payment history and buyer behavior. Resolve Pay's agentic collections takes this further with multi-channel automated sequences including email, SMS, and voice AI that handle follow-ups while preserving customer relationships.

Cash Application and Reconciliation

Matching incoming payments to open invoices consumes significant AR resources when done manually. AI-powered cash applications dramatically improve efficiency. Resolve Pay provides automated payment reconciliation that helps finance teams match transactions to invoices and reduce manual bookkeeping.

Reporting and Analytics

Real-time visibility into DSO, aging reports, and portfolio health enables proactive management of receivables. The most effective platforms provide dashboards that surface actionable insights rather than just raw data.

Invoiced

Invoiced's Primary Focus

Invoiced, acquired by Flywire in 2024, operates as an accounts receivable automation platform integrated with Flywire's global payment infrastructure. It supports invoice delivery, collections, payment processing, and reconciliation for businesses managing domestic and international receivables.

The platform provides several core capabilities:

Global Payment Infrastructure: Support for 1,200+ payment methods across 140+ currencies in 240+ countries
ERP Integrations: Native connections to NetSuite, Sage Intacct, Dynamics 365, Workday, QuickBooks, Xero, and SAP
CashMatch AI: Automated cash application functionality
Smart Chasing: Automated payment reminder sequences
Subscription Billing: Capabilities for recurring revenue businesses

Several characteristics define Invoiced's scope:

AR Automation Focus: The platform emphasizes invoice management and payment collection rather than direct invoice advances
Credit Risk Management: Credit exposure depends on the seller's commercial arrangements and any separate credit protection or financing agreements
Global Payment Acceptance: Strong infrastructure for international transactions and multi-currency support
Enterprise ERP Connectivity: Integration depth with major enterprise systems

Invoiced focuses on automating receivables workflows, payment acceptance, collections, and reconciliation. Its global payments infrastructure supports businesses managing domestic and international invoices, while its core product positioning centers on AR operations rather than invoice advances.

Terms.Tech

Terms.Tech's Approach to B2B Payments

Terms.Tech is a European B2B buy now, pay later solution associated with AREA42. It supports payment terms for ecommerce, marketplaces, and offline B2B transactions. The platform provides buyer credit assessment, merchant funding upon qualifying fulfillment, and payment collection services.

Resolve Pay offers an integrated solution combining payment terms capabilities, non-recourse financing, and automated AR management. Terms.Tech also funds eligible transactions and manages collections. Resolve Pay differentiates its offering through a broader credit-to-cash workflow that connects invoice management, financing, collections, and reconciliation for B2B sellers.

Resolve Pay

Resolve Pay's Approach to Integrated Net Terms and AR Automation

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk exposure. Rather than forcing sellers to choose between invoicing tools and financing solutions, Resolve Pay integrates both into a single platform.

The platform delivers several comprehensive capabilities:

Non-Recourse Financing

Resolve Pay offers upfront advances on eligible approved invoices, with advance amounts determined by buyer risk assessment and the applicable financing arrangement. Funds can generally reach sellers within 1-2 business days after the applicable approval and processing requirements are satisfied.

Unlike recourse financing arrangements, Resolve Pay's non-recourse model generally protects sellers from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Traditional factoring arrangements may also be structured with or without recourse. This fundamental difference helps reduce the cash flow versus credit risk tradeoff that characterizes traditional AR approaches.

AI-Powered Credit Engine

Resolve Pay's credit decisioning engine uses proprietary data models, business information, and risk assessment processes to evaluate buyer creditworthiness. Qualifying buyers may receive rapid decisions, while other applications can require additional verification and review. The platform helps reduce manual credit assessment work and supports more efficient net terms approvals.

Agentic Collections

Resolve Pay's automated collections use multi-channel sequences across email, SMS, and voice AI. The system intelligently escalates based on buyer response and payment history, pausing automatically when payment or disputes are received. This preserves customer relationships while reducing DSO without aggressive tactics.

Native E-commerce Integrationing

Unlike enterprise AR platforms with limited e-commerce support, Resolve Pay provides embedded checkout for Shopify, BigCommerce, Magento, and WooCommerce. B2B buyers can apply for and receive net terms directly at checkout, increasing conversion rates for online sales channels.

White-Label Payment Portal

The branded buyer dashboard shows all invoices, credit lines, and payment history with support for ACH, wire transfer, credit card, and check payments. The mobile-responsive experience maintains seller branding throughout the buyer journey.

Resolve Pay Performance Metrics

Resolve Pay customers report substantial improvements across key AR metrics:

Faster access to cash through advances on eligible approved invoices
Reduced manual AR workload through automated invoicing, payment reminders, and collections
Automated payment reconciliation to support more efficient bookkeeping
Credit decisions for qualifying businesses delivered rapidly

Real customer outcomes demonstrate the platform's impact:

Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours, offers 20x higher credit lines
ConEquip: Achieved 30% year-over-year growth
SS&SI Dealer Network: Delivered 5x revenue growth
Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours
Elston Materials: Increased margins from 25% to 30%

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries who need:

Non-recourse financing to reduce credit risk exposure on approved buyers
Cash advances on eligible invoices instead of waiting for buyer payment dates
E-commerce integration for online B2B checkout with embedded net terms
Streamlined implementation through supported integrations
Combined credit decisioning, AR automation, and financing in one platform

Accounts Receivable Automation: Platform Comparison

The AR automation capabilities of each platform differ significantly in scope and execution.

Invoice Generation and Management

Invoiced provides comprehensive invoice generation with deep ERP connectivity. The platform syncs bi-directionally with major enterprise systems including NetSuite, Sage Intacct, Dynamics 365, and Workday. Invoice delivery spans multiple channels with support for email, portal, and EDI formats.

Resolve Pay supports invoice and transaction workflows through integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct. Available synchronization features depend on the specific integration and configuration. Resolve Pay also provides automated reconciliation capabilities to help keep payment and invoice records aligned.

Cash Application

Invoiced provides CashMatch AI for automated cash application, helping finance teams match incoming payments to invoices and reduce manual reconciliation.

Resolve Pay supports automated payment reconciliation and transaction syncing across connected accounting and ERP systems. Its AR automation helps reduce manual matching and keeps payment records aligned with invoices.

Collections Automation

Invoiced provides Smart Chasing for automated payment reminders and follow-up sequences.

Resolve Pay delivers agentic collections with multi-channel automation including email, SMS, and voice AI outbound calls. The system uses intelligent escalation based on buyer response and payment history with configurable day thresholds. Collections automatically pause when payment or disputes are received, logging all interactions to the invoice record.

The Critical Difference: Financing and Credit Risk

The fundamental differentiator between these platforms lies in how they address the cash flow and credit risk challenges inherent in B2B net terms.

Invoiced's Approach

Invoiced primarily provides accounts receivable automation, including invoice management, payment collection, and reconciliation. Its core offering is not structured around upfront invoice financing. When businesses invoice customers on Net 30 terms, Invoiced helps manage invoices, send reminders, and reconcile payments when they arrive. However:

Customer payment timing depends on contractual terms and actual settlement
Credit exposure depends on existing commercial and financing arrangements
Receivables may remain outstanding until customers complete payment
Sellers manage credit exposure according to their policies and agreements

Terms.Tech's Approach

Terms.Tech enables funded B2B net terms transactions, providing merchants with payment upon qualifying fulfillment while managing buyer assessment and collections. Resolve Pay offers an integrated approach that combines non-recourse financing with invoicing, AR automation, credit management, and reconciliation.

Resolve Pay's Approach

Resolve Pay combines net terms with non-recourse financing:

Upfront funding on eligible approved invoices, generally within 1-2 business days after applicable processing requirements are satisfied
Advance amounts and any remaining settlement balance depend on the agreed financing arrangement
Resolve Pay assumes covered buyer default risk on eligible approved financed invoices, subject to program terms
Working capital freed for growth initiatives

This model enables sellers to offer Net 30/60/90 terms while maintaining cash flow. Resolve Pay's non-recourse protection applies to eligible approved financed invoices, subject to program terms. Terms.Tech also provides merchant funding and collection services, so its specific risk allocation should be evaluated under its contractual terms rather than described as having no protection.

Integration Ecosystem Comparison

E-commerce Platforms

Resolve Pay provides native integrations with major B2B e-commerce platforms:

Shopify
BigCommerce (Resolve Pay received the 2025 Innovative Integration Award)
Magento 2
WooCommerce

These integrations enable embedded net terms at checkout, allowing B2B buyers to apply for credit and complete purchases in a seamless flow.

Invoiced focuses primarily on ERP connectivity rather than online storefront experiences.

ERP and Accounting Systems

Invoiced supports integrations with several enterprise ERP and accounting systems:

NetSuite (native)
Sage Intacct (native)
Dynamics 365 (native)
Workday (native)
QuickBooks
Xero
SAP

Resolve Pay supports integrations with the following ERP and accounting platforms, with synchronization capabilities depending on the connector and configuration:

QuickBooks Online
NetSuite
Xero
Sage Intacct

API and Custom Integration

Invoiced provides Integration Studio connecting to 1,000+ apps via API.

Resolve Pay offers REST API with webhooks and sandbox for custom integrations. Developer documentation is available at docs.resolvepay.com.

Implementation Timeline

Invoiced: Implementation timeline varies based on the specific configuration and ERP integrations required

Resolve Pay: Streamlined onboarding through supported integrations and APIs, with implementation timing dependent on business requirements

Why Resolve Pay Is a Strong Fit for B2B Sellers

Integrated Financing and AR Management

For manufacturers, distributors, and wholesalers, managing customer payment terms often involves several connected processes. These include assessing buyer creditworthiness, issuing invoices, collecting payments, and reconciling transactions.

Resolve Pay brings these workflows together through an integrated B2B payments platform.

Its capabilities include:

Non-recourse financing that reduces credit risk exposure on eligible approved financed invoices, subject to program terms
Upfront invoice advances, generally within 1-2 business days after applicable processing requirements are satisfied
Embedded net terms for supported B2B ecommerce platforms
Streamlined onboarding through supported integrations and APIs
Combined credit decisioning, AR automation, collections, and invoice financing
AI-powered business credit checks that support faster buyer evaluation
Agentic collections that automate follow-ups while helping maintain customer relationships

Supporting Cash Flow and Business Growth

Resolve Pay helps businesses extend flexible payment terms without tying their cash flow entirely to customer repayment schedules. By combining financing with invoicing, credit management, and collections automation, the platform supports more predictable working capital and reduces administrative demands on finance teams.

For B2B sellers looking to grow sales while managing credit exposure, Resolve Pay provides an integrated approach to the credit-to-cash process. The platform's non-recourse protection helps reduce bad debt exposure on eligible approved financed invoices, while its automation capabilities streamline receivables operations.

Frequently Asked Questions

How Does Resolve Pay Help Businesses Manage Net Terms?

Resolve Pay combines credit assessment, net terms financing, invoicing, payment collection, and reconciliation in one platform. Businesses can offer approved buyers flexible payment terms while receiving upfront funding on eligible financed invoices. Resolve Pay also automates payment reminders and collections to reduce manual AR work and support more predictable cash flow.

How Quickly Can Resolve Pay Advance Funds on Approved Invoices?

Resolve Pay generally advances funds on eligible approved invoices within 1-2 business days after applicable approval and processing requirements are satisfied. Actual timing depends on the financing arrangement and transaction details. This allows qualifying B2B sellers to access working capital before their buyers' scheduled payment dates.

How Does Non-Recourse Financing Protect B2B Sellers?

Resolve Pay's non-recourse financing generally protects sellers from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This helps businesses reduce credit risk exposure while offering flexible net terms. Protection depends on the financing agreement, invoice eligibility, and applicable exclusions.

How Long Does Resolve Pay Implementation Take?

Resolve Pay offers streamlined onboarding through supported integrations, APIs, and implementation assistance. Deployment timelines depend on the seller's existing systems, required workflows, and integration complexity. Businesses should confirm the expected implementation schedule based on their specific workflows and integration requirements.

Can Resolve Pay Integrate With My Ecommerce Platform?

Yes, Resolve Pay supports integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. These connections can help merchants incorporate net terms into B2B ecommerce workflows. Available checkout functionality depends on the platform and integration configuration. Resolve Pay also supports ERP and accounting integrations to streamline invoice and payment reconciliation.

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.