Selecting the right B2B payment solution can transform how manufacturers, distributors, and wholesalers manage cash flow and customer relationships. When B2B sellers evaluate accounts receivable and payment solutions, they encounter different approaches to billing automation, managed payments, and working capital financing. Invoiced operates as accounts receivable automation software and became part of Flywire following its August 2024 acquisition. TreviPay provides managed B2B payment programs for businesses with enterprise payment requirements. Resolve Pay combines non-recourse net terms financing on eligible approved invoices with accounts receivable automation, helping growing B2B sellers manage cash flow, credit assessment, invoicing, and collections through one integrated platform.
This comparison explains how Resolve Pay's integrated financing and AR automation model supports growing B2B companies seeking faster access to working capital alongside streamlined receivables management.
The B2B payments market encompasses different approaches to receivables management, payment processing, and financing. The Federal Reserve's payment resources provide context on the development of business payment infrastructure. Understanding these differences helps CFOs, controllers, and AR managers evaluate solutions based on cash flow needs and operational requirements.
AR automation software like Invoiced serves as a management system for billing, collections, and payment tracking. These platforms provide invoice generation, payment reminders, reconciliation workflows, and analytics dashboards that help finance teams manage their receivables activities. The value proposition centers on improving efficiency through better workflow management and visibility. These systems can help accelerate collections by reducing billing delays, improving payment visibility, and automating follow-up workflows. However, they do not inherently provide upfront invoice financing. Resolve Pay adds that financing capability, allowing eligible sellers to access funds before buyers complete their agreed payment terms.
Enterprise managed payment services like TreviPay represent a full-service outsourcing model. These platforms handle credit decisioning, invoicing, collections, and dispute resolution as managed services. TreviPay provides managed B2B payment programs for businesses operating across multiple markets and currencies. Its services include credit management, invoicing, and collections, with program structure and implementation requirements depending on the enterprise agreement. The model supports large enterprises with complex operational requirements. TreviPay's enterprise-oriented model emphasizes managed payment programs and cross-border operational requirements.
Integrated financing platforms like Resolve Pay represent a different approach that combines process improvement with working capital access. Rather than simply automating existing workflows or outsourcing operations entirely, Resolve Pay combines AI-powered business credit checks with non-recourse invoice advances and automated collections in one platform. Sellers offer Net 30/60/90 terms to approved buyers while receiving cash typically within 1-2 business days. The credit risk transfers to Resolve Pay on eligible approved financed invoices, and the AR automation handles the rest.
The fundamental distinction lies in their approaches: AR software supports receivables efficiency, managed services support outsourced payment operations, and Resolve Pay combines receivables automation with non-recourse financing on eligible approved invoices.
Invoiced positions itself as accounts receivable automation software focused on billing, collections, and payment tracking. The platform offers invoice generation, automated payment reminders, reconciliation workflows, and subscription billing management. Following its acquisition by Flywire in August 2024, Invoiced became part of a broader global payments business. The acquisition expanded Flywire's B2B software capabilities, although specific cross-border payment features depend on the services available through each implementation.
The platform demonstrates particular strength in subscription billing and complex recurring revenue management, making it suited for SaaS companies with recurring revenue models. CashMatch AI provides automated cash application capabilities for matching payments to invoices.
Key characteristics define Invoiced's scope compared to Resolve Pay and TreviPay:
Invoiced provides accounts receivable automation capabilities covering billing, collections, cash application, and payment tracking. Following its acquisition by Flywire in August 2024, it became part of Flywire's broader B2B payments and software operations.
Invoiced focuses on receivables management workflows, including:
Resolve Pay addresses these broader AR management needs while adding non-recourse net terms financing on eligible approved invoices.
TreviPay operates as an established enterprise B2B payments provider with decades of experience. Its services support multinational payment programs, including cross-border transactions and multi-currency invoicing.
The platform provides managed services for credit assessment, collections, and dispute management. Its underwriting and settlement arrangements depend on the structure of each enterprise payment program.
TreviPay's enterprise focus manifests across several dimensions compared to Resolve Pay and Invoiced:
TreviPay was recognized as a Major Player in the 2024 IDC MarketScape assessment of enterprise accounts receivable automation applications. Its established operating history and enterprise payment programs reflect its focus on managed B2B payment services. TreviPay also acquired Apruve in December 2022, expanding its B2B payment capabilities.
TreviPay supports enterprise payment operations involving:
Resolve Pay focuses on combining credit decisioning, financing, and AR automation in an integrated platform for growing B2B sellers.
Resolve Pay operates as a B2B payments platform built by former executives from Affirm, Amazon, and PayPal. The platform enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and transferring credit risk on eligible approved financed invoices.
The platform runs across the complete order-to-cash cycle:
Once approved, eligible invoices can receive advances of up to 90%, typically within 1-2 business days, while buyers pay according to their agreed Net 30/60/90 terms.
The agentic collections capability distinguishes Resolve Pay's automation approach:
Resolve Pay offers integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded net terms checkout. Accounting and ERP connectivity includes QuickBooks Online, NetSuite, Xero, and Sage Intacct, with supported synchronization workflows varying by system. Flexible APIs also support custom integration requirements. For example, Resolve Pay's integration documentation explains that WooCommerce refunds and cancellations require corresponding actions within Resolve Pay. These integrations help B2B sellers incorporate credit applications and deferred payment options into supported checkout experiences.
Resolve Pay supports businesses with automated credit workflows, invoice management, and a branded buyer payment portal. The platform serves 15,000+ businesses and helps sellers maintain their customer-facing brand throughout the payment experience.
Resolve Pay serves mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries who need:
Financing availability is an important distinction between these platforms. Businesses evaluating receivables solutions should also consider payment processing and collections practices. The Federal Reserve's Payments Study provides independent context on payment trends, while the CFPB's business financing resources provide additional information about the small-business lending market.
Resolve Pay delivers non-recourse net terms financing as a core capability. Sellers offer Net 30/60/90 terms to approved buyers while receiving up to 90% upfront on eligible invoices, typically within 1-2 business days. This accelerates access to working capital without requiring sellers to wait for the full buyer payment term. Any remaining invoice balance is handled according to the applicable financing agreement.
Invoiced focuses on billing and collections automation, which can help improve payment timing and reduce manual AR work. Resolve Pay adds a financing component that allows sellers to access funds on eligible approved invoices before the buyer's payment due date.
TreviPay provides managed B2B payment programs that may include financing and credit risk management, depending on contractual arrangements. Settlement schedules and financing protections are determined by the applicable program terms.
Resolve Pay operates a proprietary AI Credit Engine evaluating thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in under 24 hours with quiet credit checks that do not impact buyer credit scores. Dynamic credit lines adjust based on payment history over time.
Invoiced focuses on receivables management rather than providing an integrated invoice financing and underwriting program. Resolve Pay combines buyer credit assessment with non-recourse financing on eligible approved invoices.
TreviPay provides credit assessment and underwriting within its managed B2B payment programs. Integration and implementation requirements depend on the enterprise's operational needs.
Resolve Pay provides AI-powered accounts receivable automation including:
Invoiced provides invoice generation, payment reminders, reconciliation, and collections workflows. CashMatch AI supports automated cash applications. Resolve Pay combines similar receivables management objectives with non-recourse financing on eligible approved invoices, offering an additional way to accelerate cash flow.
TreviPay provides managed collections as part of its enterprise service model. Collections management forms part of TreviPay's managed service offering, with implementation requirements determined by the enterprise's operational needs.
Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct to streamline accounting synchronization and receivables workflows. Available synchronization and reconciliation capabilities depend on the integration and its configuration. Resolve Pay's implementation timeline depends on the seller's systems and integration requirements. Once configured, eligible approved invoices can receive advance funding, typically within 1-2 business days.
Invoiced supports accounting integrations and receivables workflows, including invoice management and payment reconciliation. As part of Flywire, it operates within a broader payments ecosystem, although available international payment methods and integration capabilities depend on the implementation. Resolve Pay separately supports embedded net terms through its established e-commerce integrations. Implementation varies by ERP connections, organizational complexity, and configuration needs.
TreviPay provides enterprise ERP integration for SAP, Oracle, and NetSuite. Robust APIs enable integration into various e-commerce platforms, point-of-sale environments, or order management systems. This flexibility serves enterprise environments with implementation requirements based on operational complexity.
Customer results demonstrate the operational impact and efficiency gains that differentiate these approaches.
Resolve Pay customers have reported significant operational improvements:
Invoiced reports 70% time saved on manual AR tasks and processes billions moved annually across its customer base. The platform claims average DSO improvement and fewer billing inquiries for customers using its automation features.
TreviPay earned designation as a Major Player by IDC MarketScape for enterprise AR automation. The platform's established operating history demonstrates enterprise scale.
Manufacturers, distributors, and wholesalers need more than efficient invoice tracking when extending payment terms to business buyers. Resolve Pay connects credit decisioning, non-recourse financing, invoicing, and accounts receivable automation to help sellers improve working capital access while maintaining flexible buyer payment terms.
Resolve Pay helps businesses connect receivables automation with working capital management through:
The mid-market segment, where manufacturers, distributors, and wholesalers need working capital access and reduced credit risk exposure, finds integration between B2B payments and receivables management particularly valuable. The integrated platform combines credit decisioning, non-recourse financing on eligible approved invoices, and net terms capabilities designed for businesses seeking both operational efficiency and financial flexibility.
Resolve Pay provides an integrated approach for manufacturers, distributors, and wholesalers that need:
Resolve Pay combines non-recourse net terms financing with AR automation, providing advances of up to 90% on eligible approved invoices, typically within 1-2 business days, while buyers pay on agreed Net 30/60/90 terms. AR automation can improve collections and payment efficiency, while Resolve Pay's financing capability provides earlier access to working capital. This helps sellers offer competitive terms while maintaining healthy cash flow.
Yes, Resolve Pay supports integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded checkout net terms. It also connects with QuickBooks Online, NetSuite, Xero, and Sage Intacct for accounting and receivables workflows. Integration capabilities and synchronization requirements vary by platform and configuration. The ERP and e-commerce integration guide provides additional details on supported workflows.
Resolve Pay focuses on mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries, combining streamlined implementation, non-recourse financing on eligible approved invoices, and integrated AR automation. Implementation requirements depend on the seller's existing systems and operational needs. The platform serves businesses with $1M+ annual revenue seeking working capital access and receivables efficiency.
Resolve Pay provides non-recourse protection on eligible approved financed invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This transfers covered credit risk to Resolve Pay rather than leaving sellers exposed to bad debt from approved buyers who fail to pay within agreed terms.
Resolve Pay's implementation timeline depends on the seller's systems and integration requirements. Once configured, eligible approved invoices can receive advance funding, typically within 1-2 business days. The platform supports streamlined onboarding through established integrations with major accounting, ERP, and e-commerce platforms. Deployment timelines vary depending on configuration, data synchronization, and integration requirements.
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.