Resolve Pay vs Apruve vs Coupa Pay

Selecting the right B2B payment solution determines whether your business can offer competitive net terms while maintaining healthy cash flow. While Apruve now operates as part of the TreviPay platform serving enterprise global operations, and Coupa Pay focuses on comprehensive spend management for large procurement organizations, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation for mid-market manufacturers, distributors, and wholesalers. Understanding these fundamental differences between enterprise-focused platforms and purpose-built supplier financing helps B2B sellers choose the approach that matches their cash flow goals, risk tolerance, and operational requirements.

Key Takeaways

• Resolve Pay provides non-recourse financing on approved invoices, meaning sellers keep their covered advance even if approved buyers default, while Coupa Pay operates as a payment processing platform rather than a financing solution
• Resolve Pay can advance up to 90% of approved invoice value, with funds generally deposited within 1-2 business days after an approved invoice is submitted
• Resolve Pay's AI credit engine delivers credit decisions in seconds, compared to manual underwriting processes that can take days or weeks with traditional approaches
• Resolve Pay supports streamlined onboarding and integrations, with its current site stating that businesses are usually set up within days, and 15,000+ businesses actively use the platform
• Resolve Pay maintains a 5.0/5 rating on G2 with consistent praise for responsive support and ease of use
• Customer results include 5x revenue growth at SS&SI Dealer Network and tripled revenue at Archipelago Lighting through Resolve Pay's net terms financing

Understanding B2B Payment Solutions: The Three Approaches

The B2B payment technology market encompasses three distinct solution categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage, risk tolerance, and execution capacity.

Net terms financing platforms like Resolve Pay enable sellers to offer deferred payment terms to business buyers while accelerating cash flow on approved invoices. Resolve Pay combines non-recourse advances with credit management, collections, and accounts receivable automation, helping sellers reduce exposure to buyer nonpayment while shortening the cash conversion cycle.

Enterprise trade credit platforms like Apruve, now part of TreviPay, provide managed B2B payment and order-to-cash services for organizations operating across multiple markets. TreviPay combines trade credit, underwriting, invoicing, receivables management, collections, and global payment infrastructure within a managed enterprise model.

Spend management platforms like Coupa Pay focus on the buyer side of B2B transactions, offering procurement automation, supplier management, expense tracking, and payment processing. These comprehensive suites help large organizations manage outbound payments and supplier relationships rather than providing financing to suppliers.

The platforms emphasize different workflows. Resolve Pay combines net terms financing, credit decisioning, AR automation, payments, and collections for B2B sellers, while Apruve/TreviPay operates a broader managed order-to-cash and trade-credit model and Coupa Pay is centered on enterprise spend management and supplier payments.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms Financing

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while accelerating cash flow and managing credit risk. Resolve Pay originated from the B2B side of Affirm, with a team that brings experience from companies including Amazon and PayPal to B2B credit and payments.

The core value proposition combines three critical functions into a single integrated platform:

Non-Recourse Net Terms Financing

Resolve Pay advances funds on approved transactions through a non-recourse structure. If an approved buyer fails to pay, the seller keeps the covered advance, while Resolve Pay assumes the majority risk of late payments or defaults. This structure helps reduce bad-debt exposure while allowing sellers to extend net terms more confidently. Supported terms include Net 15, 30, 60, and 90 with custom options available.

AI-Powered Credit Decisioning

The proprietary AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. Approvals happen in seconds rather than the days or weeks required for manual underwriting, with quiet credit checks that don't notify buyers or impact their credit scores.

Complete AR Automation

Resolve Pay's accounts receivable automation handles invoice generation, payment reminders, reconciliation, and collections through AI-powered workflows. The platform includes agentic collections with multi-channel automated sequences across email, SMS, and voice AI, reducing manual AR work by up to 90% while preserving customer relationships through professional, friendly communication.

Integration Ecosystem

Resolve Pay provides native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce, enabling embedded checkout for net terms directly within existing storefronts. The platform earned the 2025 BigCommerce Innovative Integration Award for its seamless B2B checkout experience.

Accounting and ERP integrations include QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way sync for invoice and payment data. The white-labeled payment portal accepts ACH, wire transfer, credit card, and check payments while maintaining the seller's brand throughout the buyer journey.

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. Primary customers include:

• HVAC parts distributors
• Electrical and plumbing supplies companies
• Industrial equipment manufacturers
• Medical and pharmaceutical distributors
• Construction materials suppliers

The platform works best for businesses that:

• Need to offer competitive net terms without cash flow strain
• Want to reduce bad-debt exposure through non-recourse financing
• Require faster cash access on approved invoices, generally within 1-2 business days
• Seek to reduce AR overhead through automation
• Operate primarily in the US and Canada through e-commerce or traditional sales channels

Apruve (Now Part of TreviPay)

Apruve's Evolution and Current Status

Apruve was acquired by TreviPay in December 2022 and has been integrated into the broader TreviPay platform. Originally founded in 2013, Apruve focused on B2B credit management and trade credit automation before becoming part of the larger enterprise payment infrastructure.

TreviPay traces its history to a business founded in 1978 that later operated as MSTS before adopting the TreviPay name. Following the Apruve acquisition, the company continues to provide global B2B payments, invoicing, trade credit, and order-to-cash capabilities across multiple markets and currencies.

Platform Capabilities Post-Acquisition

The integrated TreviPay/Apruve platform provides:

• Global Payment Infrastructure: Multi-currency support across 32+ countries enables international B2B transactions for enterprise customers operating globally
• Managed Services Model: Dedicated teams handle order-to-cash operations including credit management, invoicing, and collections for enterprise clients
• Marketplace Focus: Purpose-built capabilities for complex multi-sided platforms and marketplace environments
• Next-Day Payment Guarantee: Sellers receive guaranteed next-day payment on approved transactions

The platform targets large enterprises with complex international payment requirements, offering managed services that handle end-to-end payment operations rather than self-service tools.

Implementation Considerations

Apruve/TreviPay implementation requirements depend on integration scope, geography, transaction workflows, and enterprise requirements. The managed services approach means dedicated TreviPay teams handle much of the operational work, which suits organizations preferring outsourced payment management over in-house administration.

Coupa Pay

Coupa Pay's Procurement-Centric Approach

Coupa Pay operates as part of the broader Coupa spend management platform, which focuses on procurement, invoicing, expense management, and supplier payments. The platform supports payments across 165 countries and more than 140 currencies through its partnership with TransferMate.

Unlike Resolve Pay's supplier-side financing focus, Coupa Pay centers on buyer-side spend management. The platform helps large organizations manage outbound payments, track expenses, control procurement processes, and maintain supplier relationships.

Core Capabilities

Coupa Pay provides:

• Global Payment Processing: Support for 165 countries and more than 140 currencies through its global payment infrastructure
• Procurement Suite Integration: Native connection with Coupa's source-to-pay platform including contracts, expenses, and supplier management
• Virtual Card Program: Coupa Card enables virtual card payments with potential rebate opportunities for supplier payments
• ERP Connectivity: Deep integrations with SAP, Oracle, NetSuite, Microsoft Dynamics, and Workday

Enterprise Deployment Structure

Coupa Pay is generally implemented as part of a broader enterprise spend management environment. Deployment requirements vary based on integrations, payment rails, geographic scope, and organizational workflows.

When Coupa Pay Fits Best

Coupa Pay serves large procurement organizations that:

• Already use or plan to implement the broader Coupa platform
• Require global payment capabilities across a broad international network
• Need comprehensive spend management beyond just payments
• Need enterprise-scale spend management and payment workflows
• Focus on buyer-side payment optimization rather than supplier financing

Feature Comparison: Net Terms and Financing

Resolve Pay's Financing Approach

Resolve Pay provides non-recourse net terms financing where sellers can receive up to 90% of approved invoice value, with funds generally deposited within 1-2 business days after an approved invoice is submitted. The remaining balance releases when buyers pay at the end of the net terms period.

Resolve Pay's non-recourse structure protects the covered advance on approved invoices if an approved buyer fails to pay. Resolve Pay takes on the credit assessment, credit decision, and the majority risk of late payments or defaults, helping sellers reduce their exposure while extending net terms.

Apruve/TreviPay's Trade Credit Model

Apruve/TreviPay offers trade credit management with next-day payment guarantees for sellers. The platform handles credit decisioning, invoicing, and collections as part of managed services for enterprise clients. The global infrastructure supports multi-currency transactions across 32+ countries, making it suitable for enterprises with international B2B commerce requirements.

Coupa Pay's Payment Processing Focus

Coupa Pay processes B2B payments but does not provide net terms financing to suppliers. The platform handles payment execution across multiple rails but does not advance funds or assume credit risk on behalf of sellers. Organizations using Coupa Pay for payment processing would need separate financing arrangements to offer net terms to their customers.

Feature Comparison: AR Automation and Collections

Resolve Pay's Complete AR Automation

Resolve Pay automates the entire accounts receivable workflow including:

• Invoice Generation: Automated creation synced from ERP and accounting systems
• Payment Reminders: AI-powered multi-channel sequences that adapt based on buyer behavior
• Smart Reconciliation: ML-powered matching of payments to invoices with automatic cash application
• Agentic Collections: Automated outreach across email, SMS, and voice AI with intelligent escalation

The platform's agentic collections use configurable sequences with day thresholds (Day 1 email, Day 7 SMS, Day 14 call, Day 21 escalate) that pause automatically when payments or disputes are received. All interactions log to invoice records automatically. Customers report reducing manual AR work by up to 90% through these automation capabilities.

Apruve/TreviPay's Managed AR Services

Apruve/TreviPay provides AR management through its managed services model, with dedicated teams handling credit, invoicing, and collections for enterprise clients. The approach suits organizations preferring outsourced AR management over self-service automation tools.

Coupa Pay's Invoice Processing

Coupa Pay offers invoice matching and processing as part of the broader spend management suite. The platform automates invoice capture and matching but focuses on the buyer's accounts payable workflow rather than seller-side receivables management. Organizations needing comprehensive AR automation for customer collections would require additional tools alongside Coupa Pay.

Feature Comparison: Credit Decisioning

Resolve Pay's AI Credit Engine

Resolve Pay's proprietary AI evaluates thousands of buyer data points for real-time credit decisions. The business credit check capability requires only business name and address, with no buyer notification or credit score impact.

Key characteristics include:

• Speed: Credit decisions in seconds rather than days
• Dynamic Credit Lines: Limits adjust based on payment history and buyer behavior
• Quiet Checks: Buyers aren't notified, protecting relationships during evaluation
• Continuous Monitoring: Ongoing assessment rather than one-time evaluation

Archipelago Lighting reduced net terms approval time from 10 days to 24 hours after implementing Resolve Pay's credit engine.

Apruve/TreviPay's Credit Management

Apruve/TreviPay handles credit decisioning as part of its managed services, with approval timelines varying by buyer tier and transaction complexity. The enterprise approach involves more structured credit evaluation processes suited to large-scale operations.

Coupa Pay's Supplier Management

Coupa Pay focuses on supplier management from the buyer perspective, including supplier onboarding and qualification. The platform does not provide credit decisioning for offering net terms to customers.

Feature Comparison: Integration and Implementation

Resolve Pay's Rapid Deployment

Resolve Pay supports streamlined deployment through low-code and no-code integrations for supported platforms, along with APIs and developer tools for custom implementations. Native integrations include:

• E-commerce: Shopify, BigCommerce, Magento 2, WooCommerce with embedded checkout
• Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Two-Way Sync: Automatic payment reconciliation and data synchronization

The platform supports online, offline, field rep, and embedded checkout transactions. Resolve Pay states that businesses are usually set up within days, although timing depends on the systems and workflows being connected.

Apruve/TreviPay's Enterprise Integration

Apruve/TreviPay provides APIs and enterprise integration capabilities for organizations with customized order-to-cash environments. Implementation requirements depend on integration scope, geography, transaction workflows, and enterprise requirements.

Coupa Pay's Ecosystem Approach

Coupa Pay operates within the broader Coupa ecosystem and supports connections with enterprise systems. Deployment requirements depend on the organization's payment infrastructure, integrations, geographic scope, and broader Coupa configuration.

Real-World Results: Resolve Pay Customer Outcomes

Revenue Growth Impact

Resolve Pay customers demonstrate measurable business outcomes from implementing non-recourse net terms financing:

• SS&SI Dealer Network: Achieved 5x revenue growth through expanded customer access via net terms offerings
• ConEquip: Realized 30% year-over-year growth in the construction equipment space
• Archipelago Lighting: Tripled revenue while reducing approval time from 10 days to 24 hours and offering 20x higher credit lines
• Nandansons: Achieved 75% financed volume growth through partnership with agency partner Hammer Commerce

Margin and Efficiency Improvements

• Elston Materials: Increased margins from 25% to 30%, a 5-point improvement in the concrete supply business
• Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours
• Shields Childcare Supplies: Won new business by offering Net 90 terms they couldn't extend independently

Cash Flow Transformation

The consistent pattern across Resolve Pay customers involves accelerating cash availability on approved invoices while reducing credit exposure and the operational burden associated with accounts receivable.

Why Resolve Pay Fits B2B Sellers

Resolve Pay brings credit decisioning, non-recourse net terms financing, accounts receivable automation, payments, reconciliation, and collections into a supplier-focused workflow. This makes it particularly relevant for manufacturers, distributors, wholesalers, and other B2B sellers that want to extend payment terms without forcing their own cash flow to follow the buyer's payment schedule.

Resolve Pay is especially useful for businesses that need:

• Non-recourse financing that reduces exposure on approved covered invoices
• Faster cash access with advances on approved invoices
• AR automation for invoicing, reminders, reconciliation, and collections
• AI-powered credit decisioning for business buyers
• E-commerce integrations for embedded net terms at checkout
• ERP and accounting connectivity that links payment and receivables workflows
• Agentic collections across email, SMS, and voice AI

For B2B sellers focused on extending competitive payment terms while keeping credit, cash flow, and receivables workflows connected, Resolve Pay provides these capabilities within one platform.

Frequently Asked Questions

What is the main difference between Resolve Pay's non-recourse financing and traditional invoice factoring?

Some traditional factoring arrangements use recourse, which can leave sellers responsible when customers fail to pay. Resolve Pay uses a non-recourse structure for covered advances on approved invoices, so the seller keeps the advance if an approved buyer fails to pay. Resolve Pay also supports a branded buyer experience designed to keep payment workflows aligned with the seller's customer relationship.

Can Resolve Pay integrate with accounting systems other than QuickBooks?

Yes, Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform offers two-way sync for invoice and payment data, enabling automatic reconciliation and bookkeeping updates. API access supports custom integrations for organizations with additional system requirements.

How does Resolve Pay's credit decisioning compare to manual underwriting processes?

Resolve Pay's AI credit engine delivers decisions in seconds by evaluating thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Traditional manual underwriting can take days or weeks and often requires trade references and financial statement review. Archipelago Lighting reduced their approval timeline from 10 days to 24 hours after implementing Resolve Pay's automated credit decisioning.

How does Resolve Pay help businesses offer net terms?

Resolve Pay lets B2B sellers extend payment terms to approved buyers while accelerating cash flow on eligible invoices. The platform combines credit decisioning, non-recourse advances, invoicing, payment workflows, reconciliation, and collections so sellers can manage more of the credit-to-cash process in one system.

What types of businesses benefit most from Resolve Pay?

Resolve Pay is designed for B2B sellers such as manufacturers, distributors, wholesalers, and supply businesses that want to offer net terms while improving cash-flow predictability and reducing receivables administration. Businesses with at least $1 million in annual B2B revenue can use Resolve Pay across e-commerce, offline sales, field-rep, and embedded payment workflows, subject to eligibility and approval.

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.