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.
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.
Effective invoicing software for B2B sellers must address several core requirements that directly impact cash flow and operational efficiency.
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.
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.
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.
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, 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:
Several characteristics define Invoiced's scope:
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 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 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:
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.
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.
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.
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.
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 customers report substantial improvements across key AR metrics:
Real customer outcomes demonstrate the platform's impact:
Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries who need:
The AR automation capabilities of each platform differ significantly in scope and execution.
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.
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.
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 fundamental differentiator between these platforms lies in how they address the cash flow and credit risk challenges inherent in B2B net terms.
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:
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 combines net terms with non-recourse financing:
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.
Resolve Pay provides native integrations with major B2B e-commerce platforms:
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.
Invoiced supports integrations with several enterprise ERP and accounting systems:
Resolve Pay supports integrations with the following ERP and accounting platforms, with synchronization capabilities depending on the connector and configuration:
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.
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
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:
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.
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.
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.
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.
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.
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.