Selecting the right B2B payment platform directly impacts your cash flow, operational efficiency, and ability to scale. While Apruve (now part of TreviPay) focuses on enterprise trade credit programs and Settle specializes in accounts payable automation for CPG brands, Resolve Pay delivers integrated net terms financing with non-recourse protection and AR automation in a single platform. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers choose the solution that aligns with their specific workflow requirements and growth objectives.
Accounts receivable automation software streamlines the entire invoice-to-cash process, eliminating manual tasks that consume finance team resources. The B2B payments landscape encompasses several distinct categories, each serving different operational needs. The Federal Reserve defines trade credit as an arrangement in which one business acquires goods or services from another without making immediate payment in full.
Resolve Pay operates as a seller-side AR and net terms financing platform, enabling businesses to offer deferred payment terms while receiving immediate cash. The solution combines credit decisioning, invoice financing, AR automation, and collections in unified workflows. The seller benefits from improved cash flow without bearing the credit risk of extended payment terms.
Apruve/TreviPay provides enterprise trade credit management infrastructure for large-scale B2B credit programs across multiple countries and currencies. These systems handle complex multi-entity organizations with global payment processing requirements, focusing on the seller side of trade credit.
Settle takes the opposite approach, operating as a buyer-side AP automation platform. It helps brands manage their accounts payable workflows, vendor payments, and procurement processes rather than collections.
Modern AR platforms leverage artificial intelligence to accelerate credit decisions, personalize collection sequences, and optimize cash application. Resolve Pay's AI credit engine delivers decisions in under 24 hours, with some approvals happening instantly. The platform's agentic collections capability uses multi-channel automation including email, SMS, and voice AI to maintain professional follow-up sequences while preserving customer relationships.
TreviPay offers instant credit decisions in under 30 seconds through its zero-touch onboarding process for approved buyers. Settle does not provide seller credit decisioning since it focuses on the payable side of B2B transactions.
Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms to business buyers while receiving immediate cash and transferring credit risk. Resolve Pay traces its origins to a B2B initiative associated with Affirm that was spun out in 2018. Its team also includes credit and payments expertise from companies including Amazon, PayPal, and other large organizations.
Net Terms Financing (Advance Pay): Sellers offer deferred payment terms to approved buyers while Resolve Pay advances funds within 1 to 2 business days. The non-recourse structure means Resolve Pay assumes default risk on approved invoices, protecting sellers from bad debt regardless of whether buyers ultimately pay.
AI Credit Engine: Resolve Pay's proprietary AI evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions in under 24 hours, with instant approvals available for certain purchase thresholds. Quiet credit checks protect buyer relationships since applicants receive no notification and experience no credit score impact.
AR Automation Platform: Key features include:
Agentic Collections: Multi-channel automated sequences across email, SMS, and voice AI handle follow-up with intelligent escalation based on buyer response and payment history. The system pauses automatically when payments or disputes are received and logs all interactions to invoice records.
White-Labeled Payment Portal: Buyers access a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging capabilities.
Resolve Pay offers native integrations with major ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. The REST API with webhooks and sandbox environment supports custom integrations. Resolve Pay says businesses can usually get started within 1 to 2 business days after connecting their accounting software and establishing approved customer limits. More involved integrations can vary based on configuration requirements.
The platform maintains SOC 2 Type II certification for enterprise security requirements.
Resolve Pay customers report significant business outcomes:
Apruve was acquired by TreviPay in 2022 and became part of TreviPay's broader B2B payments and trade credit platform. TreviPay serves enterprise organizations across multiple countries with trade credit, invoicing, payments, and accounts receivable capabilities.
TreviPay positions itself as infrastructure for large-scale B2B credit programs requiring multi-country, multi-currency support. Core capabilities include:
TreviPay states that its implementation timeline ranges from less than a month for an out-of-the-box setup to six months or more for highly customized integrations. The platform serves organizations with high B2B transaction volume requirements.
TreviPay publishes several enterprise customer outcomes:
TreviPay focuses on enterprise trade credit and order-to-cash programs, including international and multi-currency use cases. Its positioning differs from Resolve Pay's focus on helping B2B sellers combine net terms financing, credit management, payments, and AR automation.
Settle operates on the opposite side of B2B finance from Resolve Pay and Apruve/TreviPay. Rather than helping sellers collect receivables, Settle helps brands manage their accounts payable workflows and vendor payments.
Settle positions itself as a purpose-built solution for CPG and consumer brands managing procurement and vendor payment workflows. Core capabilities include:
Settle states that most brands can get its AP automation running within days. The platform serves CPG brands, consumer product companies, and businesses managing inventory-heavy supply chains. Customers include Italic, Rhode, and HigherDose who use the platform for vendor payments and procurement management.
Settle focuses primarily on accounts payable, procurement, vendor payments, and working capital for consumer and CPG brands. Its workflow centers on the buying side of B2B transactions rather than seller-side receivables.
Resolve Pay says businesses can usually get started within 1 to 2 business days for standard configurations. Customer outcomes vary by company, workflow, adoption, and use case.
TreviPay's implementation ranges from under one month to six or more months depending on complexity and customization requirements.
Settle reports implementation in days for most AP automation deployments.
Resolve Pay focuses on the US and Canadian markets with deep expertise in North American B2B commerce.
TreviPay operates across 32+ countries with multi-currency infrastructure designed for global enterprises.
Settle handles US-focused operations with multi-currency vendor payment capabilities for international suppliers.
Resolve Pay: Native integrations with Shopify, BigCommerce, WooCommerce, and Magento 2 enable embedded checkout experiences. Accounting integrations include QuickBooks Online, Xero, Sage Intacct, and NetSuite with bi-directional sync.
Apruve/TreviPay: Major ERP system integrations with enterprise-level custom implementation capabilities.
Settle: QuickBooks Online, NetSuite, Xero, and Finaloop integrations for accounting sync focused on payables workflows.
Net payment terms can help buyers preserve working capital while sellers manage the timing gap between delivering goods and receiving payment. The Small Business Administration discusses Net 30 accounts as one way businesses manage outgoing cash while working to improve receivables collection.
Resolve Pay's non-recourse financing model differs fundamentally from traditional invoice factoring arrangements. Traditional invoice factoring typically operates on a recourse basis, meaning sellers remain liable if buyers fail to pay. Resolve Pay's non-recourse model transfers credit risk entirely to the financing provider for approved invoices. When Resolve Pay approves a buyer and advances funds against an invoice, the seller keeps the advance regardless of whether the buyer ultimately pays.
TreviPay offers similar non-recourse protection through its trade credit programs, focused on enterprise-scale implementations. Settle does not offer seller net terms financing since its focus remains on buyer AP workflows and working capital for inventory purchases.
B2B buyers expect Net 30, 60, or 90 day payment terms, particularly for large orders. Sellers who cannot offer these terms often lose deals to competitors who can. Resolve Pay enables sellers to offer Net 15, 30, 60, or 90 terms with custom options available. The seller receives payment within 1 to 2 business days regardless of the term length offered to buyers.
Modern B2B payments increasingly combine digital invoicing with electronic payment workflows. Federal Reserve research notes that B2B e-invoicing can support automated invoice delivery and payment processing while reducing reliance on manual paper workflows.
Resolve Pay provides a white-labeled buyer portal accepting ACH, wire transfer, credit card, and check payments. The branded experience maintains seller identity throughout the buyer journey. Invoice generation syncs automatically from connected ERP and accounting systems, with ML-powered reconciliation matching payments to invoices.
Apruve/TreviPay offers enterprise payment processing infrastructure across multiple currencies and payment methods for global trade credit programs.
Settle focuses on the outbound payment side, helping brands pay their vendors through automated AP workflows rather than collecting from customers.
Manufacturers, distributors, wholesalers, and other B2B sellers often need to extend payment terms without creating additional cash flow pressure or adding manual receivables work.
Resolve Pay brings seller-side net terms, non-recourse financing on approved invoices, AI-powered credit decisioning, payment workflows, AR automation, and collections into one platform. Key differentiators include:
Resolve Pay's B2B fintech origins and team experience support a platform designed specifically around business credit, net terms, payments, and accounts receivable workflows. The combination addresses the complete order-to-cash workflow for sellers who want to offer competitive payment terms while maintaining healthy cash flow.
With 15,000+ businesses actively using the platform, Resolve Pay has demonstrated the ability to scale with growing sellers while maintaining the responsive support that mid-market companies require.
These platforms address different parts of B2B finance. Resolve Pay focuses on helping B2B sellers offer net terms, receive faster payment on approved invoices, manage credit, and automate accounts receivable. Apruve/TreviPay focuses on enterprise trade credit infrastructure, while Settle focuses primarily on accounts payable and vendor-payment workflows. For sellers seeking an integrated credit-to-cash solution, Resolve Pay brings net terms financing and AR automation into one platform.
Non-recourse financing means the seller keeps the advance payment even if the approved buyer fails to pay. Resolve Pay assumes the credit risk on invoices it approves, eliminating bad debt exposure for sellers. Traditional invoice factoring often operates on recourse, leaving sellers liable for buyer defaults.
Yes. Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, NetSuite, and major ecommerce platforms including Shopify and BigCommerce. TreviPay offers enterprise ERP integrations. Settle connects with QuickBooks Online, NetSuite, Xero, and Finaloop. Integration capabilities vary by platform and plan.
B2B sellers in manufacturing, wholesale distribution, and supply industries benefit from net terms offerings. Larger orders often require extended payment options, and buyers expect flexibility when purchasing industrial equipment, building materials, medical supplies, or other B2B products. Resolve Pay enables these terms without cash flow strain or credit risk.
Resolve Pay's agentic collections uses professional, friendly outreach sequences across email, SMS, and voice AI rather than aggressive tactics. The system automatically pauses when payments or disputes are received and adapts messaging based on buyer response patterns. This approach maintains positive customer relationships while reducing DSO.
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.