Resolve Pay vs Apruve vs Gaviti

Selecting the right B2B payment platform determines how effectively your business manages cash flow, credit risk, and accounts receivable operations. While Apruve (now part of TreviPay) operates within an enterprise-scale B2B payments ecosystem and Gaviti specializes in collections-focused AR software, Resolve Pay delivers an integrated platform combining non-recourse net terms financing with comprehensive AR automation. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the solution that aligns with their operational needs, growth stage, and cash flow priorities.

Key Takeaways

• Resolve Pay combines non-recourse invoice financing with full AR automation in a single platform, with advances of up to 90% on approved invoices and up to 100% available in select configurations, while Apruve operates within TreviPay's enterprise B2B payments platform and Gaviti provides AR automation software
• Resolve Pay maintains a 5.0 out of 5 G2 rating, reflecting strong feedback from verified users
• Resolve Pay can typically be set up within days, while implementation timelines for enterprise-focused platforms vary based on integrations, configuration, and deployment scope
• Resolve Pay offers competitive pricing, while both Apruve and Gaviti operate on quote-based models
• The 15,000+ businesses using Resolve Pay benefit from AI-powered credit decisioning, while Apruve's approval timing varies by application and Gaviti provides credit and risk management tools within its AR platform
• Resolve Pay provides non-recourse protection on covered approved advances, helping sellers reduce exposure to buyer default while combining financing with AR automation

Understanding B2B Payment Solutions: The Market Landscape

The B2B payments market remains highly fragmented, with Visa holding 17% and Mastercard 14% of overall market share. Among specialized platforms serving mid-market suppliers, three distinct approaches have emerged:

Integrated financing and AR platforms like Resolve Pay combine invoice advances with accounts receivable automation. Sellers offer Net 30, 60, or 90 terms to buyers while receiving immediate cash. The platform handles credit decisions, collections, payment processing, and reconciliation in a unified system.

Enterprise B2B payment platforms like Apruve (TreviPay) serve large-scale operations requiring multi-currency support, complex compliance, and high-volume processing capabilities within global payment ecosystems.

AR automation software like Gaviti focuses on collections workflows, cash application, and accounts receivable management without providing invoice financing. These tools help finance teams reduce Days Sales Outstanding (DSO) through better processes.

Resolve Pay

Resolve Pay's Approach to Integrated B2B Payments

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk. Rather than forcing sellers to wait through the full payment term, Resolve Pay can advance up to 90% of approved invoice value, with up to 100% available in select configurations.

The non-recourse financing model distinguishes Resolve Pay from traditional recourse financing. On covered approved advances, the seller keeps the advance if the buyer does not pay, while Resolve Pay manages the credit assessment, underwriting, collections, and associated repayment risk.

The platform's AI-powered credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in seconds with real-time approvals, replacing manual trade reference calls and spreadsheet tracking.

Accounts receivable automation handles invoice generation, payment reminders, reconciliation, and collections through a unified dashboard. The system syncs bidirectionally with major ERPs and accounting platforms, reducing AR overhead.

Key Features and Capabilities

Resolve Pay's integrated platform includes several core components:

• Net Terms Financing: Offer Net 15, 30, 60, or 90 payment terms to approved buyers while receiving advances
• AI Credit Engine: Real-time credit decisions without impacting buyer credit scores through quiet credit checks
• Agentic Collections: Multi-channel automated sequences using email, SMS, and voice AI with intelligent escalation
• White-Labeled Payment Portal: Branded buyer dashboard accepting ACH, wire, credit card, and check payments
• Two-Way ERP Sync: Native integrations with QuickBooks, NetSuite, Sage Intacct, Xero, and e-commerce platforms

The platform earned the 2025 BigCommerce Innovative Integration Award and is SOC 2 Type II attested.

Customer Results

Documented customer outcomes demonstrate Resolve Pay's impact across diverse B2B industries:

• SS&SI Dealer Network achieved 5x revenue growth through expanded net terms offerings
• ConEquip reported 30% year-over-year growth in construction equipment sales
• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
• Trenchless Supply reduced AR workload by 90% with credit approvals completing under 24 hours
• Elston Materials increased margins from 25% to 30% through improved cash flow management

Apruve (TreviPay)

Apruve's Enterprise B2B Payments Platform

Apruve became part of TreviPay following its 2022 acquisition. Today, the offering sits within TreviPay's enterprise B2B payments and invoicing platform, which supports trade credit, invoicing, payments, and order-to-cash workflows for global organizations.

The platform offers automated order-to-cash workflows with payment assurance on approved invoices. Credit approval timing varies by application. Apruve documentation has stated that some applications may be approved in as little as three minutes, while others can take up to two business days.

Multi-currency support across 30+ countries makes Apruve relevant for global enterprises requiring localized invoicing and international compliance. The platform integrates with enterprise ERPs including SAP, Oracle, and Microsoft Dynamics through dedicated connectors.

Key Characteristics

Several factors define Apruve's market position:

• Enterprise Infrastructure: Volume handling capabilities within TreviPay's B2B payments ecosystem
• Global Operations: Multi-currency and multi-language support for international expansion
• Enterprise Implementation: Deployment requirements vary based on the organization's systems, integrations, and program scope
• Managed Trade Credit: Apruve operates within TreviPay's broader enterprise B2B payments and invoicing platform

Apruve operates within TreviPay's enterprise-focused environment for organizations with global B2B payment, invoicing, and trade credit requirements.

Gaviti

Gaviti's AR Automation Specialization

Gaviti operates as an AR automation platform focused on invoice-to-cash workflows without providing financing capabilities. The software specializes in collections management, cash application, and credit monitoring for mid-market finance teams.

Gaviti reports that 95% of reconciliation is completed before the workday begins, helping reduce manual reconciliation effort. Customers typically report 30-50% DSO reduction within six months of implementation through improved collection processes.

Gaviti offers an ERP-agnostic approach, connecting to multiple accounting systems simultaneously through API integrations. This flexibility serves organizations with complex multi-ERP environments that need unified AR visibility.

Key Characteristics

Gaviti's software-only model creates specific capabilities:

• Collections Focus: Automation for payment follow-ups, dispute management, and cash application
• Invoice-to-Cash Platform: Combines collections, credit management, payment processing, and cash application
• Payment Portal: Supports ACH and other payment options through a customer-facing portal
• Unlimited Users: Supports unlimited users and permission profiles
• Solid Reviews: 4.6/5 Capterra rating from 91 reviews

Gaviti serves organizations primarily seeking collections workflow improvement without requiring cash flow acceleration through financing.

Accounts Receivable Automation: Platform Comparison

All three platforms address AR automation with different approaches and capabilities.

Invoice Management and Reconciliation

• Resolve Pay generates invoices automatically from ERP/accounting system data, maintaining two-way sync for real-time accuracy. The platform handles the complete invoice lifecycle from creation through payment collection and reconciliation. ML-powered payment matching reconciles incoming payments against open invoices automatically.
• Apruve provides enterprise-grade invoicing as part of its order-to-cash suite, with capabilities designed for high-volume complex billing scenarios. The system integrates with enterprise ERPs and includes automated reconciliation.
• Gaviti connects to existing invoicing systems rather than generating invoices directly. The platform focuses on managing invoices after creation, tracking payment status, and automating follow-up workflows. Gaviti reports that 95% of reconciliation is completed before the workday begins. Its AI Cash Application capabilities are designed to automatically match payments to invoices and manage deductions.

Dashboard and Reporting

• Resolve Pay provides real-time AR dashboards showing DSO, aging reports, and portfolio health metrics. The unified view combines financing status, collection progress, and payment data in one interface.
• Apruve offers enterprise analytics and reporting capabilities within its broader order-to-cash platform.
• Gaviti delivers comprehensive AR analytics focused on collection performance, aging analysis, and team productivity metrics.

Non-Recourse Financing and Credit Risk Management

The most significant differentiation between these platforms lies in financing and credit risk capabilities.

Invoice Financing and Credit Decisions

• Resolve Pay provides non-recourse advances of up to 90% on approved invoices, with up to 100% available in select configurations. Sellers can receive funds before the buyer's invoice reaches maturity while preserving extended payment terms for qualified buyers. The AI-powered credit engine delivers credit decisions in seconds, with instant approvals available for qualifying purchases.
• Apruve offers payment assurance on approved invoices within its enterprise trade credit framework. Credit approval timing varies by application, using proprietary scoring combined with traditional underwriting data.
• Gaviti provides credit risk monitoring and scoring but does not make credit decisions for financing purposes since the platform does not offer advances.

Risk Protection

• Resolve Pay provides non-recourse protection on covered approved advances. If the buyer does not pay, the seller keeps the advance already received under the applicable approved transaction.
• Apruve provides payment assurance structures on approved invoices within its enterprise platform.
• Gaviti does not offer credit protection since no financing occurs.

Collections and Payment Processing

Collections Automation

• Resolve Pay's agentic collections system uses AI-powered multi-channel sequences including email, SMS, and voice AI outbound calls. The system intelligently escalates based on buyer response patterns and payment history, automatically pausing when payments or disputes arrive.
• Apruve provides automated collections as part of its order-to-cash platform within the enterprise deployment model.
• Gaviti specializes in collections automation with configurable workflow sequences, dispute management, and AI assistant capabilities.

Payment Methods

• Resolve Pay accepts ACH, wire transfers, credit cards, and checks through a branded self-service portal. Buyers can access payment history, credit information, and payment workflows in one interface.
• Apruve supports enterprise payment methods with multi-currency capabilities across 30+ countries.
• Gaviti supports ACH and other payment options through its customer self-service portal.

Integration Ecosystem

E-Commerce Platforms

• Resolve Pay provides native integrations with Shopify, BigCommerce, Magento, and WooCommerce. The embedded checkout capability enables net terms directly within the e-commerce purchase flow.
• Apruve integrates with enterprise commerce platforms including Spryker and SAP Commerce.
• Gaviti does not focus on e-commerce integrations as its primary use case, instead prioritizing ERP connectivity.

Accounting and ERP Systems

• Resolve Pay offers native two-way sync with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The bidirectional connection pulls invoice data and writes back payment information automatically.
• Apruve connects with enterprise ERPs including NetSuite, SAP, Oracle, and Microsoft Dynamics.
• Gaviti takes an ERP-agnostic approach, connecting to any system via API. This flexibility benefits organizations with multiple ERPs or less common accounting platforms.

API Availability

All three platforms offer API access for custom integrations and workflows.

Choosing the Right B2B Payment Partner

Resolve Pay is designed for B2B sellers with $1M+ in annual revenue, with a strong fit for manufacturers, distributors, wholesalers, and other businesses that regularly offer invoice-based payment terms. The platform delivers several integrated capabilities that address common mid-market challenges:

Cash Flow and Growth

• Non-recourse advances provide working capital without traditional debt or equity dilution
• Sellers can offer competitive payment terms while maintaining healthy cash flow
• Reduced exposure to buyer default risk on covered approved advances

Speed and Efficiency

• AI-powered credit decisions in seconds rather than days
• Typical implementation within days rather than extended enterprise deployments
• Automated collections reducing AR team workload by up to 90%

Integrated Platform Benefits

• Single platform combining financing, credit, collections, and payment processing
• Native ERP and e-commerce integrations with two-way data sync
• White-labeled buyer portal maintaining brand consistency

The combination of faster cash flow, non-recourse protection on covered advances, and comprehensive AR automation positions Resolve Pay as a strong choice for growth-oriented manufacturers, distributors, and wholesalers seeking an integrated approach to B2B payments and accounts receivable management.

Frequently Asked Questions

What is the main difference between Resolve Pay, Apruve, and Gaviti?

Resolve Pay combines non-recourse invoice financing with full AR automation, with advances of up to 90% on approved invoices and up to 100% available in select configurations while supporting credit decisions, collections, and payment processing. Apruve operates within TreviPay's enterprise B2B payments and invoicing platform with global capabilities. Gaviti provides AR automation and collections management software without invoice financing capabilities.

How do these platforms handle credit risk and buyer defaults?

Resolve Pay provides non-recourse protection on covered approved advances, helping sellers reduce exposure to buyer default. Apruve offers payment assurance structures within its enterprise trade credit framework. Gaviti provides credit risk monitoring tools but does not offer financing or credit protection since it operates as a software-only platform.

Can these solutions integrate with my existing ERP and e-commerce systems?

Resolve Pay offers native integrations with QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, Magento, and WooCommerce with two-way data sync. Apruve integrates with enterprise ERPs like SAP, Oracle, and Dynamics. Gaviti takes an ERP-agnostic approach connecting to any system via API, providing flexibility across multi-ERP environments.

How long does implementation typically take for each platform?

Resolve Pay typically gets businesses set up within days. Implementation timelines for Apruve and Gaviti vary according to integration requirements, configuration, data complexity, and deployment scope based on the organization's specific environment and needs.

Which platform offers the best value for mid-market B2B sellers?

For mid-market sellers with $1M+ annual revenue seeking both cash flow acceleration and AR automation, Resolve Pay delivers a strong value proposition. The platform combines non-recourse financing, AI credit decisions, agentic collections, and payment processing with competitive pricing. This integrated approach reduces the need to piece together multiple point solutions while supporting faster cash flow.

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.