Business payment operations have evolved beyond traditional bookkeeping into integrated financial ecosystems. While accounting platforms handle transactions and compliance, modern B2B enterprises require solutions that unify credit decisioning, automated accounts receivable management, and instant payment processing.
According to Deloitte's 2024 CFO Signals report, 67% of finance leaders prioritize cash flow acceleration technologies that integrate seamlessly with existing accounting systems. Resolve delivers this next-generation approach by embedding AI-powered credit and payment automation directly into business workflows.
Resolve represents the convergence of credit intelligence, invoice financing, and payments automation in a single platform. Unlike traditional accounting software that records transactions after the fact, Resolve actively manages the entire invoice-to-cash cycle with embedded decisioning and financing.
Core Capabilities:
Transparent Pricing:
Resolve's platform addresses fundamental limitations of accounting-only software by embedding payment capabilities directly into business workflows. The system's AI agents automatically manage payment reminders, collections, and reconciliation, while the credit dashboard provides real-time insights into customer risk profiles and payment patterns.
Businesses implementing Resolve report significant improvements in receivables management, faster payment collection, and accelerated credit checks compared to manual processes. The platform's non-recourse structure reduces default risk on approved invoices (terms and exceptions apply), with merchants receiving fast funding on qualifying receivables.
Unlike static accounting approaches, Resolve's dynamic platform adapts to each customer's creditworthiness, offering tailored payment terms that maximize sales while protecting cash flow. The system automatically syncs all transactions to accounting software, eliminating manual data entry and ensuring accurate financial reporting.
QuickBooks Online remains the most widely used small business accounting platform, offering comprehensive bookkeeping features but limited native payment functionality.
Key Features:
Pricing Structure:
While QuickBooks handles basic accounting needs, it lacks the sophisticated AR automation, credit decisioning, and embedded payment capabilities that modern B2B businesses require. Companies using QuickBooks typically need to integrate separate payment solutions or manage complex manual processes for net terms and collections.
However, QuickBooks' extensive user base and familiar interface make it a viable foundation when paired with complementary solutions like Resolve's integrations, which add advanced payment capabilities while maintaining the existing accounting workflow.
Xero offers a cloud-native accounting platform popular with businesses requiring multi-currency support and international capabilities.
Platform Strengths:
Subscription Pricing:
Xero's cloud architecture provides excellent collaboration features and real-time data access, but like QuickBooks, it lacks native B2B payment capabilities. Businesses offering net terms must rely on manual processes or third-party integrations to manage credit risk and accelerate cash flow.
The platform's strength lies in its clean user interface and strong bank feed integration, making it suitable for businesses with straightforward accounting needs. However, companies requiring sophisticated AR automation and credit decisioning will need to supplement Xero with specialized payment solutions.
Wave Accounting provides genuinely free accounting software for small businesses, funded through payment processing and payroll services.
Free Tier Capabilities:
Revenue Model:
Wave's zero-cost accounting makes it attractive for startups and very small businesses, but the platform lacks advanced features needed for B2B commerce. There's no credit decisioning, net terms management, or AR automation capabilities.
While Wave handles basic bookkeeping effectively, businesses that grow beyond simple cash transactions will quickly outgrow its limitations. The platform's focus on consumer-grade features means it cannot support the complex workflows required for B2B net terms, credit management, or automated collections.
NetSuite provides comprehensive enterprise resource planning (ERP) functionality that includes advanced accounting, but requires significant investment and expertise.
Enterprise Features:
Implementation Costs:
NetSuite's strength lies in its comprehensive functionality for large enterprises, but its complexity and cost make it overkill for most small and mid-sized businesses. The platform's AR automation capabilities require extensive customization and lack the AI-powered intelligence found in modern specialized solutions.
While NetSuite can technically handle B2B payments through integrations, the implementation complexity and ongoing maintenance requirements often outweigh the benefits for businesses that don't need full ERP functionality.
Sage Intacct targets mid-market businesses requiring advanced financial management without full ERP complexity.
Financial Management Capabilities:
Pricing Structure:
Sage Intacct offers strong financial management capabilities but, like other traditional accounting platforms, lacks embedded B2B payment functionality. The platform's AR automation focuses on basic workflow management rather than intelligent credit decisioning or non-recourse financing.
While Sage Intacct integrates with various payment processors, businesses still need to manage credit risk and collections manually or through separate solutions. The platform's strength lies in financial reporting and compliance rather than payment innovation.
The fundamental difference between Resolve and traditional accounting alternatives lies in their approach to B2B payments. While QuickBooks, Xero, and similar platforms treat payments as a separate process requiring manual intervention, Resolve embeds payment capabilities directly into business workflows.
This embedded approach delivers measurable business outcomes. Companies implementing automated payment solutions report improved cash flow visibility, reduced processing overhead, and stronger customer relationships through flexible payment options.
Resolve's AI-powered platform goes beyond basic automation by providing strategic insights that inform broader business decisions. The credit dashboard helps businesses understand customer risk profiles, optimize payment terms, and identify growth opportunities based on real payment behavior rather than static credit scores.
When evaluating accounting platform alternatives, implementation complexity and integration capabilities are critical factors. Traditional accounting platforms often require weeks or months of setup and customization, while modern solutions like Resolve offer rapid implementation compared to traditional enterprise solutions.
Integration Timeline Comparison:
Resolve's flexible API and technical team ensure seamless integration with existing systems, whether businesses use QuickBooks, Xero, NetSuite, or custom ERP solutions. The platform's white-label features preserve existing customer relationships while adding sophisticated payment capabilities.
While traditional accounting platforms appear less expensive initially, their total cost of ownership often exceeds modern integrated solutions when factoring in manual labor, missed opportunities, and implementation complexity.
Annual Cost Comparison for $500K Revenue Business:
The return on investment for B2B payment automation typically materializes within the first year through reduced processing costs, improved collections, and increased sales conversion rates.
The most significant advantage of modern platforms like Resolve lies in their AI-powered automation and machine learning capabilities. While traditional accounting software relies on manual data entry and static workflows, Resolve's LLM-powered platform continuously learns and adapts to optimize business processes.
This future-proof approach delivers:
Modern B2B payment solutions have evolved beyond simple credit extensions to become strategic relationship tools that integrate seamlessly with business workflows, providing valuable data for both buyers and sellers while reducing administrative overhead.
Wave Accounting offers genuinely free accounting software with unlimited invoicing and basic bookkeeping features. However, businesses requiring B2B payment capabilities will need to supplement Wave with paid solutions. Resolve provides transparent pricing based on actual usage rather than monthly subscriptions.
Yes, modern platforms offer seamless integration between accounting and ecommerce systems. Resolve integrates directly with QuickBooks, Xero, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce, automatically syncing transactions and eliminating manual data entry. This integration ensures accurate financial reporting while providing customers with flexible payment options at checkout.
Cloud accounting platforms with integrated payment capabilities provide real-time visibility into accounts receivable and cash flow. Smart AR automation platforms accelerate cash flow by offering fast funding on approved invoices, while automated workflows reduce Days Sales Outstanding (DSO) and minimize late payments, as documented in J.P. Morgan's 2024 payments research.
Migration timelines vary significantly by platform complexity. Simple accounting platforms like Wave or basic QuickBooks setups can be migrated in days, while complex ERP systems like NetSuite may require 2-6 months. Resolve's integration capabilities streamline the transition process and reduce the risk of data loss during migration, as noted in Gartner's financial systems guidance.
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.