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.
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 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.
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.
Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. Primary customers include:
The platform works best for businesses that:
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.
The integrated TreviPay/Apruve platform provides:
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.
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 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.
Coupa Pay provides:
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.
Coupa Pay serves large procurement organizations that:
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 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 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.
Resolve Pay automates the entire accounts receivable workflow including:
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 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 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.
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:
Archipelago Lighting reduced net terms approval time from 10 days to 24 hours after implementing Resolve Pay's credit engine.
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 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.
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:
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 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 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.
Resolve Pay customers demonstrate measurable business outcomes from implementing non-recourse net terms financing:
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.
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:
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.
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.
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.
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.
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.
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.