While PaySimple maintains a 4.7 out of 5 rating for payment processing capabilities, businesses seeking modern B2B payment solutions increasingly need more than basic transaction processing. From Resolve's AI-powered net terms with non-recourse financing to Stripe's developer-friendly infrastructure, these seven alternatives deliver the advanced features growing businesses require without traditional payment processing limitations.
Resolve stands as the premier Melio alternative by combining B2B payments, net terms financing, and accounts receivable automation into a single risk-free platform. Unlike Melio's focus on basic vendor payments, Resolve enables businesses to offer their customers 30-90 day payment terms while typically receiving payment within one business day, subject to approval and cutoff times.
Advanced B2B Payment Features:
Transparent Risk-Based Pricing:
Resolve's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions that traditional processors can't match. Customers like Lift Foils scale pre-season orders without risk and Marshall Wolf Automation streamlines their entire B2B payment process.
Unlike PaySimple's focus on basic payment acceptance, Resolve's accounts receivable automation uses AI agents to manage workflows, automate payment reminders, and reduce friction in collections. The platform's non-recourse model means businesses receive protection from customer non-payment on approved invoices, subject to program terms and exceptions (e.g., fraud/disputes), eliminating the primary risk of offering net terms.
Stripe has become the gold standard for online payment processing, offering robust APIs and extensive documentation that developers prefer. While PaySimple targets service businesses with basic needs, Stripe excels at providing flexible, scalable payment infrastructure for growing companies.
Core Capabilities:
Pricing Structure:
Stripe's strength lies in its technical capabilities and global reach, making it ideal for businesses that need more than PaySimple's domestic-focused platform. The extensive webhook support and real-time reporting provide the automation capabilities modern businesses require.
Square offers a comprehensive payment ecosystem that extends far beyond PaySimple's payment processing focus. With flat-rate pricing and integrated business tools, Square serves businesses seeking simplicity without sacrificing functionality.
Integrated Business Tools:
Transparent Flat-Rate Pricing:
Square's ecosystem approach benefits businesses wanting unified operations management, though the flat-rate pricing may cost more than interchange-plus models for high-volume merchants. The instant deposit feature provides crucial cash flow flexibility that PaySimple doesn't offer.
For businesses already using QuickBooks, the native payment processing eliminates reconciliation headaches that plague PaySimple users. QuickBooks Payments automatically syncs transactions to reduce manual reconciliation.
Accounting-First Features:
Pricing for QuickBooks Users (US rates):
The seamless integration justifies slightly higher rates for many businesses, eliminating the recurring billing management issues that payment processor users rate as important.
PayPal's business solutions provide instant credibility and customer trust that newer payment processors struggle to match. With buyer protection and widespread consumer adoption, PayPal reduces checkout friction significantly compared to PaySimple.
Business-Focused Features:
Current Pricing:
PayPal's fees reflect the platform's consumer trust advantage, with many buyers preferring PayPal's purchase protection over unknown payment processors.
Clover provides flexible hardware and software solutions that adapt to various business models better than PaySimple's limited terminal options. The platform's app marketplace extends functionality far beyond basic payment processing.
Hardware and Software Flexibility:
Fee Structure:
Clover's strength lies in its adaptability, with specialized apps for restaurants, retail, services, and more. The offline processing capability ensures business continuity that cloud-only platforms like PaySimple can't guarantee.
For businesses needing robust gateway capabilities beyond PaySimple's basic offerings, Authorize.Net provides enterprise-level features with proven reliability since 1996. Now owned by Visa, the platform processes billions in transactions annually.
Enterprise Gateway Features:
Gateway Pricing Model:
While more complex than PaySimple, Authorize.Net offers the technical capabilities and reliability that growing businesses require, particularly for online credit card processing at scale.
Selecting the ideal PaySimple alternative depends on your business model, technical requirements, and growth trajectory. User experience significantly impacts small business satisfaction, making it as important as pricing considerations.
For B2B Companies: Choose Resolve's net terms platform for risk-free credit extension and automated AR management. The ability to offer net 30, 60, or 90-day terms while receiving payment immediately transforms cash flow dynamics.
For Online Businesses: Stripe's developer tools and global capabilities excel for e-commerce, though processing fees vary based on transaction type and volume.
For Retail and Restaurants: Square or Clover provide integrated POS systems with flat-rate pricing that simplifies cost management, though high-volume merchants may pay more than with interchange-plus models.
For Service Businesses: QuickBooks Payments eliminates reconciliation work for existing QuickBooks users, while PayPal provides instant customer trust for new businesses.
Consider that ACH payments cost significantly less than credit card transactions, making platforms with strong ACH capabilities like Resolve increasingly valuable for B2B transactions. Additionally, chargeback fees vary by provider (e.g., Stripe $15, PayPal $20, Square $0 fee), making fee transparency crucial in your selection process.
Modern alternatives offer more sophisticated recurring billing than PaySimple's basic subscription features. Stripe provides extensive subscription logic with usage-based billing, trial periods, and proration handling. Resolve's platform automates net terms invoicing with AI-driven collection workflows that reduce manual follow-up (results vary). Square and QuickBooks automatically retry failed payments with smart scheduling, while providers offer PCI-compliant solutions; merchants remain responsible for PCI obligations. Most alternatives also offer better dunning management and customer communication tools compared to PaySimple's limited automation.
Switching costs include both one-time and ongoing considerations. Initial setup ranges from free (Square, PayPal) to $25 monthly (Authorize.Net), with potential integration costs for complex systems. Data migration typically takes 1-2 weeks, though platforms like Resolve can import customer data automatically. Contract termination may incur early termination fees if you're within PaySimple's contract period. However, businesses often recoup switching costs quickly through lower processing rates, as interchange‑plus can be more cost‑effective for some merchants, especially at higher volumes; actual savings depend on your mix and rates.
Resolve stands out for B2B payments with non-recourse net terms financing, allowing businesses to offer 30-90 day payment terms while receiving funds immediately. The platform's free business credit checks use company identifiers and third-party data sources, delivering rapid decisions (often minutes to 1 business day). Unlike PaySimple's consumer-focused features, Resolve handles the complete B2B payment lifecycle including credit underwriting, invoice management, and collections automation. For pure payment gateway needs, Authorize.Net offers Level II and III processing that reduces B2B interchange rates.
Yes, gateway-only solutions like Authorize.Net and some Stripe configurations work with existing merchant accounts, preserving your current rates and relationships. However, all-in-one providers like Square, PayPal, and PaySimple bundle merchant accounts with their services. Resolve's solution operates differently, advancing payment on invoices rather than traditional merchant processing, which sidesteps merchant account requirements entirely. Evaluate whether keeping your merchant account saves money versus bundled solutions' convenience and features.
Implementation timelines vary significantly by platform and complexity. Square and PayPal offer instant activation with immediate processing capability. Stripe typically requires 1-2 days for account verification and API integration. Resolve's platform integrates with existing systems like QuickBooks and BigCommerce within hours, though custom implementations may take 1-2 weeks. Authorize.Net enterprise deployments can extend to 4-6 weeks for complex integrations. Consider that deposit timelines vary by provider and bank, typically 1–3 business days for standard deposits, affecting your cash flow during transition.
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.