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.
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.
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.
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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.
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.
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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.
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.
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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.
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.
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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.
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.
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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.
Apruve specializes in B2B credit management and net terms automation, focusing on streamlining the credit-to-cash cycle for wholesale and distribution businesses.
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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.
Balance has raised significant funding to create a developer-first B2B payments platform that simplifies complex payment scenarios for modern businesses.
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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.
Beyond these established alternatives, 2025 witnesses the continued rise of AI-native platforms transforming B2B payments:
Resolve's Advanced AI Capabilities:
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.
For B2B companies evaluating Mondu alternatives, the choice ultimately depends on your business model, technical capabilities, and strategic objectives:
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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.
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.
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.
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.
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.