Mondu Alternatives: 7 Best Platforms for B2B Net Terms in 2025

Businesses seeking flexible B2B payment terms solutions are increasingly looking beyond regional providers to platforms that offer faster implementation, non-recourse financing, and AI-driven credit decisions.

According to Juniper Research, B2B digital payment transactions will exceed $111 trillion globally by 2027, driving demand for sophisticated net terms capabilities. From Resolve's risk-free financing model to specialized AR automation platforms, these seven alternatives provide the cash flow optimization and sales growth tools modern B2B companies need.

Key Takeaways

Non-recourse financing eliminates risk: Resolve Pay provides 100% non-recourse net terms financing with advance payments on approved invoices, fast credit decisions, and next-day payouts
AI underwriting transforms approval speed: Modern platforms deliver credit decisions in hours compared to traditional week-long processes, with Resolve's proprietary AI models at the forefront of this innovation
Implementation happens in days, not months: Most alternatives integrate in hours to days versus traditional enterprise deployments, critical for businesses needing rapid market entry
SMB-focused solutions fill market gaps: Platforms like Resolve serve businesses across North America with accessible pricing and scalable solutions designed for mid-market companies
Integration depth matters: Platforms with pre-built connectors for QuickBooks, Shopify, and other systems significantly reduce manual work and implementation time
Transparent fee structures build trust: Clear pricing models help businesses accurately forecast costs versus hidden fee structures

The B2B payments landscape has transformed dramatically in 2025, with AI-powered automation and non-recourse financing becoming essential for growing companies. This evolution has created sophisticated alternatives that often surpass traditional providers in specific capabilities.

1. Resolve Pay — AI-Powered B2B Payments Without the Risk

Resolve Pay stands out as the premier Mondu alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Resolve brings enterprise-grade credit expertise to businesses of all sizes with a focus on simplicity and embedded solutions.

Key Features:

100% non-recourse financing with zero merchant risk – all cash advances are yours to keep
Credit decisions within 24 hours using proprietary AI underwriting, with instant approvals for qualifying smaller purchases
Net 30, 60, or 90 payment terms to match your business needs
Advance payment options within one day on approved invoices
Transparent, risk-based fee structure
Seamless integration with platforms including QuickBooks, Oracle NetSuite, Shopify, and WooCommerce
White-label payment portal accepting ACH, credit card, wire, or check

Pricing Structure:

Transparent risk-based pricing model
No monthly minimums or setup fees
No hidden charges or volume requirements
Custom pricing for enterprise volumes through personalized pricing plans available

The platform's AI-powered AR automation capabilities reduce manual work by automating credit, invoicing, and collections workflows. Resolve's AI-powered invoicing system automatically syncs transactions across systems with smart bookkeeping that maps and syncs transaction data in real time.

Recent case studies demonstrate significant impact across multiple industries, with businesses achieving sales growth and winning new customers through Resolve-powered net terms. Resolve provides white-label payment experiences that help merchants maintain customer relationships while streamlining complex workflows.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform's credit assessment uses proprietary financial databases and algorithms, requiring only a business name and address for free business credit checks.

2. TreviPay — Global B2B Payment Infrastructure

TreviPay represents a comprehensive B2B payment infrastructure serving enterprise clients across multiple countries. The company offers end-to-end payment solutions for complex B2B transactions.

Platform Strengths:

Global payment processing capabilities
Multi-currency support and international payment rails
Embedded finance solutions for marketplaces and platforms
Comprehensive risk management and compliance frameworks
Enterprise-grade security and data protection
Flexible payment terms and financing options

Enterprise Focus:

Custom pricing based on transaction volume and complexity
Extended implementation timelines for enterprise deployments
Dedicated account management for enterprise clients
Complex integration requirements with existing systems

TreviPay excels in global enterprise environments where cross-border payment complexity, regulatory compliance, and high transaction volumes are primary concerns. However, the platform's enterprise focus and implementation requirements may not suit businesses needing rapid deployment or those operating primarily in domestic markets.

While TreviPay offers robust infrastructure, businesses seeking faster implementation and more transparent pricing often find better alternatives in modern fintech platforms specifically designed for mid-market businesses.

3. Fundbox — Quick Capital Access for SMBs

Fundbox occupies a distinct niche providing credit lines for small businesses that traditional lenders might overlook. The platform has established itself as a source of accessible working capital for SMBs.

Speed and Accessibility:

Fast decisions with quick funding
Credit lines for small businesses
Flexible repayment terms (12, 24, or 52 weeks)
Simple application process with minimal documentation

Cost Considerations:

Higher effective APR compared to net terms platforms
Fees assessed per draw as a percentage of amount borrowed
Weekly payment structure rather than traditional net terms
Potential for higher costs on shorter repayment terms

According to PYMNTS coverage of SMB financing, platforms like Fundbox provide critical funding when traditional options aren't available, though the cost structure may not be optimal for businesses specifically seeking net terms capabilities. The platform works best for businesses needing immediate working capital rather than those looking to offer payment terms to their customers.

For small B2B companies needing immediate working capital and able to manage the expense, Fundbox offers a viable alternative to traditional lending, though it differs significantly from net terms platforms like Resolve.

4. Versapay — AR Automation Focused Platform

Versapay takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. The platform serves thousands of customers with a collaborative AR platform.

Core Features:

High customer portal adoption rates
AI-powered cash application with automated matching
Real-time dispute resolution workflows
Native ERP integrations with major accounting systems
Automated payment reminders and collections management
Comprehensive analytics and reporting

Subscription Model:

Tiered pricing based on business size and feature requirements
Additional transaction fees for payment processing
Custom enterprise pricing for large organizations
Implementation services typically included in setup

According to G2 reviews of AR platforms, platforms like Versapay deliver efficiency gains in AR automation, though companies specifically seeking net terms financing will need to pair such solutions with another provider. The focused approach benefits companies wanting best-in-class AR automation without the complexity of managing trade credit programs.

Versapay excess as a complementary solution rather than a direct alternative to net terms platforms, making it ideal for businesses that already have credit management processes but need to modernize their collections and payment infrastructure.

5. Bill.com — Comprehensive Financial Operations Platform

Bill.com has built a substantial B2B payment network serving hundreds of thousands of business customers. The publicly traded company provides comprehensive AP and AR automation beyond specialized net terms platforms.

Network Advantages:

Automated invoice processing with advanced OCR technology
Customizable approval workflows for payments and invoices
Two-way sync with major accounting platforms
Mobile application for on-the-go approvals
Automatic vendor enrollment and management

Tiered Pricing Structure:

Per-user monthly subscription fees
Additional transaction fees for payment processing
Custom enterprise pricing for large organizations
Volume discounts available for high-transaction businesses

The platform's broad scope includes features beyond net terms financing, making it suitable for businesses seeking comprehensive financial operations automation. However, companies specifically focused on offering payment terms to customers may find more specialized solutions like Resolve better aligned with their needs.

Bill.com works best for businesses wanting to replace multiple financial systems with a single platform, though the per-user pricing model may become expensive for organizations with many team members requiring access.

6. Apruve — B2B Credit Management Platform

Apruve specializes in B2B credit management and net terms automation, focusing on streamlining the credit-to-cash cycle for wholesale and distribution businesses.

Platform Capabilities:

Automated credit application and approval workflows
Dynamic credit limit management and monitoring
Integrated collections and payment processing
Customizable payment terms by customer segment
Comprehensive risk assessment and monitoring
Detailed reporting and analytics

Target Market:

Wholesale distributors and manufacturers
B2B marketplaces and platforms
Businesses with complex customer credit requirements
Organizations with existing credit management processes

Apruve's focused approach on credit management makes it suitable for businesses with established credit operations looking to automate manual processes. The platform requires significant integration effort and is best suited for organizations with dedicated credit teams.

While Apruve offers robust credit management capabilities, businesses seeking non-recourse financing or immediate cash flow improvement may find platforms like Resolve more aligned with their objectives.

7. Balance — Modern B2B Payments Experience

Balance has raised significant funding to create a developer-first B2B payments platform that simplifies complex payment scenarios for modern businesses.

Platform Strengths:

Self-serve checkout supporting all payment methods
Credit cards, ACH, wire, checks, and net terms in one solution
Implementation in days rather than months
Extensive API library for custom integrations
Hosted checkout options with minimal development required
Multi-currency support for international transactions

Technology Focus:

Developer-friendly documentation and sandbox environments
Webhook-based event notification system
Comprehensive testing and validation tools
Modern authentication and security protocols

Balance excels in marketplace and platform environments where developer resources are available to implement custom payment flows. The platform's modern architecture and extensive API library make it ideal for businesses with technical teams capable of building sophisticated payment integrations.

However, businesses without dedicated development resources may find platforms with more turnkey solutions like Resolve easier to implement and maintain.

How AI is Transforming B2B Credit Decisions

Beyond these established alternatives, 2025 witnesses the continued rise of AI-native platforms transforming B2B payments:

Resolve's Advanced AI Capabilities:

Proprietary AI models evaluating thousands of buyer data points
Fast credit decisions powered by machine learning algorithms
Dynamic, scalable credit decisions based on real-time data
Quiet pre-approval checks available requiring minimal buyer interaction

Industry-Wide AI Adoption:

According to McKinsey research on AI, the integration of AI-driven analytics in financial platforms is improving real-time underwriting accuracy. This trend benefits businesses through faster approvals and reduced manual checks while maintaining robust risk management.

The shift toward non-recourse financing reflects growing merchant demand for risk-free growth capital. Traditional approaches requiring extensive documentation and lengthy approval processes are being replaced by transparent, technology-driven solutions like Resolve's platform that deliver instant net terms approvals for qualifying purchases.

Making the Right Choice for Your Business

For B2B companies evaluating Mondu alternatives, the choice ultimately depends on your business model, technical capabilities, and strategic objectives:

By Business Type:

E-commerce businesses: Resolve (with ecommerce net terms integration)
Traditional distributors: Resolve or Apruve (credit management focus)
Marketplace operators: Balance or TreviPay (platform capabilities)
SMBs needing working capital: Fundbox or Resolve (quick access to funds)
Enterprises with global operations: TreviPay or Versapay (scale and compliance)

Key Evaluation Criteria:

Risk management: Non-recourse vs. recourse financing models
Implementation timeline: Hours/days vs. weeks/months
Integration depth: Pre-built connectors vs. custom API development
Pricing transparency: Clear fee structures vs. complex pricing models
Geographic coverage: Domestic vs. international capabilities
Customer experience: White-label vs. co-branded solutions

Cost Comparison Framework:

Resolve: Transparent risk-based pricing with advance payment options
Fundbox: Higher effective APR with weekly repayment structure
Versapay: Subscription fees plus transaction processing costs
Bill.com: Per-user monthly fees plus transaction fees
TreviPay: Custom enterprise pricing with volume requirements

For companies seeking expert guidance on B2B payment platform selection, Resolve's dedicated sales team provides hands-on support through dedicated account management and technical integration assistance.

Frequently Asked Questions

What makes Resolve different from Mondu?

Resolve Pay offers 100% non-recourse financing, meaning you get paid upfront while Resolve assumes all credit risk. Unlike Mondu's European focus, Resolve serves businesses across North America with AI-powered credit decisions delivered within 24 hours and white-label payment portals that maintain your customer relationships throughout the payment process.

Can I get net terms without traditional credit checks?

Yes, platforms like Resolve use alternative data and AI-powered underwriting instead of traditional credit bureaus. Resolve's business credit check process requires only a company name and address, delivering results within 24 hours using proprietary databases. This approach often provides more accurate assessments for newer businesses with limited credit history.

How quickly can buyers get approved for net terms?

With modern AI platforms like Resolve, qualifying purchases may receive instant approvals at checkout. For larger amounts or new customers, approval typically occurs within 24 hours according to Resolve's net terms documentation. This represents dramatic improvement over traditional credit processes that could take days or weeks, directly impacting conversion rates and customer satisfaction.

Do net terms platforms integrate with accounting software?

Yes, leading platforms like Resolve offer integration with major accounting systems including QuickBooks and Oracle NetSuite. These integrations automatically sync transaction data, reconcile payments, and update customer records in real time, eliminating manual data entry and ensuring your financial records remain accurate without additional administrative overhead.

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.