Pastpay Alternatives: The Best BNPL Solutions for Business Buyers and Sellers

The evolution of B2B payment terms has transformed how businesses manage cash flow and customer relationships. While consumer-focused apps like Pastpay serve individual shoppers with short-term financing, B2B transactions demand enterprise-grade solutions that address working capital challenges, credit risk, and scalable growth. 

According to research from the Federal Reserve, businesses increasingly seek payment flexibility from their suppliers, creating competitive pressure for sellers to modernize their payment offerings. Resolve Pay combines the flexibility of buy now, pay later with the sophistication of enterprise-grade net terms, delivering embedded credit, instant underwriting, and non-recourse financing designed specifically for business commerce.

Key Takeaways

• Resolve eliminates merchant risk with 100% non-recourse financing and instant credit decisions powered by AI, advancing up to 100% on approved invoices
• B2B buyers demand flexible terms: Business purchasers increasingly prefer suppliers offering net terms, driving competitive advantage for sellers who implement modern payment solutions
• Cash flow improves dramatically: Businesses using B2B BNPL significantly reduce payment delays compared to traditional invoicing
• Sales conversion increases: Companies implementing B2B BNPL report higher average order values and improved customer retention
• Implementation is streamlined: Modern platforms integrate with existing accounting and ecommerce systems efficiently
• AI-powered underwriting delivers results: Advanced credit evaluation reduces risk while expanding buyer access to credit

1. Resolve Pay — The Modern Alternative to Consumer BNPL for B2B

Resolve Pay stands as the premier Pastpay alternative specifically designed for B2B commerce. Unlike consumer-focused apps that offer limited transaction sizes and personal credit checks, Resolve provides businesses with dedicated credit lines, net 30-90 day terms, and immediate payment to merchants.

Comprehensive B2B Solution:

• 100% non-recourse financing with zero merchant risk
• Instant business credit decisions requiring only company name and address
• Net 30, 60, or 90-day payment terms with 0% interest for buyers
• Advance payment of up to 100% on approved invoices within 24 hours
• Transparent, risk-based fees tailored to transaction and buyer profile
• Seamless integration with QuickBooks, Shopify, BigCommerce, Magento, and WooCommerce
• White-label payment portal accepting ACH, credit card, wire, and check

Why Resolve Outperforms Consumer BNPL:

The fundamental difference lies in the business model. Consumer BNPL apps like Pastpay extend personal credit based on individual credit scores, limiting transaction sizes and applicability to B2B purchases. Resolve evaluates business creditworthiness using proprietary models that analyze financial health indicators, trade references, and payment history—delivering credit limits that support meaningful business purchases.

This approach directly addresses the needs of B2B buyers who prefer suppliers with flexible payment terms. Business decision-makers increasingly consider payment flexibility a key supplier selection factor. Resolve enables merchants to meet this demand while protecting their cash flow through immediate payment.

The platform's AI-powered automation extends beyond credit decisions to streamline the entire accounts receivable process. Features include automated payment reminders, collections management, and real-time reconciliation—all syncing directly with accounting systems. This comprehensive approach significantly reduces administrative burden while improving cash flow forecasting accuracy for businesses.

Resolve's impact on business performance is substantial. Companies report improved sales conversion rates and enhanced customer retention after implementation, demonstrating the competitive advantage of offering flexible B2B payment terms.

Unlike traditional factoring solutions that require merchants to sell invoices at steep discounts and lose customer relationships, Resolve maintains merchant control while eliminating collection risk. The transparent fee structure provides predictable costs without hidden charges or monthly minimums.

2. Affirm Business — Consumer BNPL for Merchant Acceptance

Affirm has extended its popular consumer BNPL platform through Affirm for Business, which enables merchants to offer Affirm's consumer financing at checkout. This is primarily a merchant-facing tool rather than a dedicated B2B buyer financing solution.

Platform Features:

• Fixed-rate financing from 0-30% APR for consumer purchases
• Terms from 3-36 months for qualifying purchases
• Real-time approval decisions during checkout
• Integration with select ecommerce platforms
• Consumer-grade user experience

Limitations for B2B:

Affirm Business functions as a merchant tool to accept consumer BNPL payments rather than a true B2B net terms solution. The platform is designed for businesses selling to consumers, not for B2B transactions requiring business credit evaluation and higher credit limits. The underwriting process focuses on personal credit rather than business financials.

For companies seeking true net terms functionality with business-focused underwriting and appropriate credit limits for B2B transactions, dedicated B2B platforms like Resolve provide more suitable solutions.

3. PayPal Pay in 4 — Limited B2B Applicability

PayPal's Pay in 4 offers four interest-free installments for purchases between $30-$1,500 at eligible merchants. While widely available for consumer purchases, this solution has limited applicability for B2B transactions.

Consumer-Focused Features:

• Four equal payments every two weeks
• No interest or fees for on-time payments
• Soft credit check that doesn't impact credit scores
• Available at millions of online merchants
• Instant approval for eligible purchases

B2B Limitations:

The $1,500 transaction limit and consumer-focused underwriting make PayPal Pay in 4 unsuitable for most B2B transactions, which typically involve larger order values and business credit evaluation. The platform doesn't provide the net 30-60 day terms that B2B buyers expect, nor does it offer the integration capabilities needed for business accounting systems.

For businesses seeking to offer flexible payment terms to their B2B customers, solutions like Resolve's net terms management platform provide the appropriate structure, credit limits, and integration capabilities needed for business commerce.

4. Afterpay Business — Merchant Tool for Consumer BNPL

Afterpay primarily serves as a merchant tool to offer consumer BNPL at checkout. The platform provides four interest-free installments for consumer purchases, with strong international market presence.

Platform Characteristics:

• Four equal payments over six weeks
• Consumer-focused underwriting process
• Limited transaction amounts for personal purchases
• Strong merchant network in specific regions
• Brand recognition from consumer operations

B2B Suitability Concerns:

Afterpay functions as a consumer BNPL service that merchants can integrate into their checkout for individual buyers. The platform doesn't evaluate business creditworthiness, provide meaningful credit limits for business purchases, or integrate with business accounting systems. The short payment terms (six weeks maximum) don't align with standard B2B net terms expectations.

For businesses operating in international markets and serving business customers, dedicated B2B platforms with proper business underwriting and integration capabilities remain the superior choice.

5. Klarna Business — Merchant Offering for Consumer Checkout

Klarna has built a strong European presence with its consumer BNPL service, which merchants can integrate through Klarna for Business. This is primarily a merchant acceptance tool rather than a B2B buyer financing platform.

Platform Features:

• Various payment plan options for consumers
• Consumer-grade approval process
• Strong European merchant presence
• Mobile-optimized checkout experience
• Brand recognition in target markets

B2B Implementation Challenges:

Klarna's business offering enables merchants to accept consumer BNPL payments rather than providing true B2B net terms. The underwriting process focuses on personal rather than business credit, limiting applicability for B2B transactions. The platform lacks integration capabilities with business accounting systems and the net terms structure that B2B buyers expect.

For companies seeking to serve business customers effectively, platforms designed specifically for B2B commerce—like Resolve's automated accounts receivable solution—provide the appropriate functionality, credit evaluation, and integration capabilities needed for business success.

6. Sezzle Business — Consumer BNPL Merchant Tool

Sezzle operates as a consumer BNPL platform that merchants can integrate into their checkout process. The service provides installment financing for individual shoppers rather than business buyers.

Limited B2B Functionality:

• Four interest-free installments over six weeks
• Personal credit evaluation for purchases
• Limited transaction amounts for consumers
• Select merchant participation
• Consumer-grade user experience

Fundamental B2B Gaps:

Sezzle's platform serves merchants selling to consumers rather than addressing B2B commerce requirements. The service lacks business credit evaluation, meaningful credit limits for business purchases, standard net terms structure, and integration with business accounting systems. The short payment timeline doesn't align with B2B purchasing cycles or cash flow management needs.

For businesses serious about serving the B2B market effectively, dedicated B2B payment platforms with proper business underwriting and integration capabilities remain essential. Resolve's business credit check service, for example, provides comprehensive business credit evaluation with rapid turnaround—something consumer BNPL platforms cannot match.

7. Zip Business — Australia-Based Business Financing

Zip offers dedicated business products in Australia, including Zip Business, Trade, and Trade Plus, which provide business purchasing capabilities with defined credit limits and terms. Availability varies by region.

Business Features (Australia):

• Dedicated business accounts with higher limits
• Business verification and credit evaluation
• Flexible payment terms for approved businesses
• Integration with select platforms
• Regional market focus

Geographic and B2B Limitations:

Zip's business offerings are primarily available in Australia and select markets, limiting global applicability. While Zip Business provides more business-appropriate features than consumer BNPL, the platform may not offer the comprehensive B2B net terms structure, accounting integrations, or non-recourse financing that dedicated B2B platforms provide.

For companies seeking to compete effectively in B2B markets globally, platforms designed specifically for business commerce provide the necessary functionality and risk management. Resolve's ecommerce net terms checkout integration, for example, enables businesses to offer true net 30-60 terms directly within their existing ecommerce flows.

The Critical Difference: Consumer BNPL vs. True B2B Net Terms

The fundamental distinction between consumer BNPL platforms and true B2B net terms solutions lies in their underlying design and capabilities. Consumer platforms extend personal credit based on individual credit scores, limiting transaction sizes and applicability to business purchases. True B2B solutions evaluate business creditworthiness using sophisticated models that analyze financial health, payment history, and trade references.

This difference becomes critical when considering business impact. Companies implementing true B2B BNPL solutions experience significantly reduced payment delays and improved cash flow compared to traditional net-30 terms, delivering measurable return on investment.

The B2B payment modernization trend continues to grow, with businesses increasingly recognizing the competitive advantage of offering flexible payment terms to their customers. This growth reflects the fundamental shift in B2B buyer expectations and the proven benefits for sellers who adopt modern payment solutions.

Making the Right Choice for Your Business

When evaluating Pastpay alternatives, businesses should consider their specific needs and customer requirements:

For B2B Sellers: Choose platforms that provide immediate payment, eliminate collection risk, and integrate with existing accounting systems. Resolve's better than traditional factoring approach delivers these benefits with transparent pricing and zero merchant risk.

For B2B Buyers: Select solutions that offer meaningful credit limits, standard net terms structure, and seamless payment experiences. Resolve's platform for buyers provides 0% interest for 30-60 days with flexible payment options including ACH, wire, credit card, and check.

Implementation Considerations: Modern B2B platforms are designed for streamlined integration with existing ecommerce and accounting systems. Focus on solutions with proven integration capabilities to minimize implementation disruption.

Risk Management: Ensure your chosen platform provides non-recourse financing to eliminate merchant risk. Properly implemented B2B BNPL solutions deliver strong credit performance while expanding buyer access to financing.

Frequently Asked Questions

What is the difference between BNPL and credit cards?

Buy now pay later differs from credit cards in structure and risk allocation. BNPL offers fixed payment schedules with predetermined end dates, while credit cards provide revolving credit. For B2B transactions, platforms like Resolve's net terms assume credit risk and provide merchants immediate payment—eliminating collection responsibilities that credit cards don't address.

Can PayPal Pay in 4 work universally?

PayPal Pay in 4 is only available at merchants that have integrated the service. For B2B businesses seeking universal payment flexibility, dedicated platforms like Resolve's payment portal work with any invoice or purchase order, regardless of sales channel.

How do B2B net terms differ from consumer BNPL?

B2B net terms offer 30-90 day payment periods aligned with business cash flow cycles, while consumer BNPL typically provides shorter 4-12 week terms. B2B platforms evaluate business creditworthiness and integrate with accounting systems—capabilities consumer platforms lack. 

What advance percentage can merchants receive with B2B BNPL?

With Resolve's B2B BNPL platform, merchants can receive advance payment of up to 100% on approved invoices within 24 hours. The exact percentage depends on buyer creditworthiness. The non-recourse financing structure means merchants face zero risk if customers default, transforming cash flow management while maintaining customer relationships.

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.