When B2B suppliers need to offer flexible payment terms without placing additional pressure on working capital, choosing the right payment platform becomes an important operating decision. Resolve Pay, Balance Payments, and Apruve represent different approaches to B2B payments. Balance Payments provides embedded payment infrastructure for marketplaces and digital commerce platforms, while Apruve’s technology became part of TreviPay following its acquisition in 2022. Resolve Pay combines B2B net terms, non-recourse invoice advances, credit decisioning, payment workflows, and accounts receivable automation in one platform designed for manufacturers, distributors, wholesalers, and other invoice-based B2B sellers.
B2B suppliers often extend Net 30, Net 60, Net 90, or customized payment terms because business buyers need time to receive inventory, complete projects, generate revenue, or move purchases through internal approval processes. However, offering those terms means suppliers may need to fund inventory, payroll, shipping, and operating expenses before an invoice is paid.
The challenge is not simply accepting a payment. Suppliers must determine buyer creditworthiness, assign appropriate credit limits, issue accurate invoices, track open balances, accept multiple payment methods, follow up on overdue accounts, apply payments, and reconcile transactions with their accounting systems.
Traditional approaches may divide these responsibilities among credit bureaus, financing providers, payment processors, collection tools, and internal AR employees. Modern platforms can connect more of the credit-to-cash workflow and reduce the number of disconnected processes finance teams must manage.
The Federal Reserve Payments Study provides ongoing data about changes in noncash payment activity, while the Federal Reserve’s small business credit research explains why access to suitable credit options remains important for businesses managing operating expenses and uneven cash flow. The U.S. Census Bureau also tracks ecommerce activity across manufacturing, wholesale, retail, and service industries.
For suppliers comparing payment platforms, the practical question is which operating model fits their needs:
Resolve Pay is a B2B payments and accounts receivable platform that brings together credit decisioning, net terms, invoice advances, invoicing, payment acceptance, collections workflows, and reconciliation.
The platform is designed to help suppliers increase buyer purchasing power while receiving funds sooner on approved invoices. Resolve Pay can support transactions completed through ecommerce checkout, direct sales, field representatives, marketplaces, and traditional invoicing workflows.
Its primary audience includes established manufacturers, distributors, wholesalers, and B2B ecommerce sellers that want to offer terms without building a complete internal credit and collections operation.
Balance Payments focuses on embedded B2B payment infrastructure. Its API-oriented model is relevant to marketplaces, ecommerce platforms, and companies building customized payment experiences into their own products.
Rather than centering the experience on a supplier’s complete AR department, embedded infrastructure allows a platform to incorporate payment and financing functions into its existing user journey. This model can be appropriate when a company has technical resources and needs to coordinate payments across buyers, sellers, or marketplace participants.
Apruve was a B2B credit and payment platform that connected enterprise sellers with financing partners and automated parts of the invoicing and payment process. TreviPay announced its acquisition of Apruve in December 2022.
As a result, Apruve is no longer best understood as a separate current platform. Its technology contributes to TreviPay’s broader enterprise offering, which includes managed B2B payments, invoicing, credit decisioning, collections, and order-to-cash services for companies operating across countries and currencies.
Best for: Established B2B suppliers seeking net terms financing, non-recourse protection, payment workflows, and accounts receivable automation in one platform
Resolve Pay is the most directly aligned option in this comparison for suppliers that want to offer flexible terms while improving cash flow and reducing manual AR work.
Through net terms financing, Resolve Pay evaluates business buyers and establishes credit decisions based on available financial and behavioral information. Approved customers can receive payment terms suited to the transaction and underwriting decision.
Resolve Pay can advance funds on approved invoices, often within one to two business days. Advances are non-recourse, which means the supplier keeps the approved advance if the buyer later defaults, subject to the applicable agreement and transaction requirements.
This structure allows suppliers to separate the buyer’s payment schedule from their own cash flow timing. The buyer receives time to pay, while the supplier can access funds sooner for inventory, payroll, purchasing, or other operating needs.
Resolve Pay’s accounts receivable platform supports more than financed invoices. Businesses can use it to manage net terms, cash-on-delivery transactions, and invoices due upon receipt.
AI-assisted workflows can help finance teams:
This broader scope is important for suppliers that want one system to support both financed and non-financed receivables.
Resolve Pay offers financial system integrations for widely used accounting, ERP, and ecommerce environments. Supported connections include platforms such as:
Available functionality depends on the system and implementation. Integrations can support activities such as importing customer and invoice data, syncing payment information, automating reconciliation, and embedding net terms into ecommerce checkout.
Companies with proprietary systems can also use the Resolve REST API to connect credit applications, invoice data, payments, collections, and reconciliation workflows.
Resolve Pay is designed for B2B sellers with at least $1 million in annual B2B revenue. It is particularly relevant when a company:
Balance Payments is oriented toward companies that want to embed payment capabilities inside an existing marketplace or commerce product. Its infrastructure can support checkout, payment collection, financing workflows, and seller-related payment processes.
This model is relevant when the payment experience must operate as part of a larger platform rather than as a separate AR application. A marketplace operator, for example, may need payment infrastructure that fits its existing onboarding, checkout, seller management, and settlement processes.
Implementation scope depends on the platform’s architecture, technical resources, and desired user experience. Businesses evaluating Balance Payments should assess the development effort required, supported payment flows, underwriting structure, payout process, reconciliation options, and geographic coverage.
Apruve developed B2B credit and payment technology that connected sellers, buyers, and financing partners. After the 2022 acquisition, that technology became part of TreviPay’s enterprise payments ecosystem.
TreviPay now provides a broader set of capabilities for enterprise sellers, including pay-by-invoice programs, accounts receivable automation, credit decisioning, invoicing, collections, and international payment operations.
Companies researching Apruve should therefore review TreviPay’s current products, implementation process, geographic coverage, and service model. Apruve’s historical product information may not accurately represent how its technology is currently packaged or delivered.
Resolve Pay brings together capabilities that are often managed separately: buyer credit assessment, net terms, invoice advances, payment collection, reminders, collections, and reconciliation.
For a supplier, this creates a connected sequence:
This model supports both cash flow and customer experience. Buyers can receive additional time to pay, while suppliers can avoid waiting through the full invoice term before accessing funds.
Resolve Pay also supports the supplier’s brand throughout the payment experience. Its white-label capabilities allow buyers to apply for terms, receive invoices, review balances, and make payments through a branded portal rather than being moved into an unrelated consumer financing experience.
For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, the combination of payment automation, non-recourse advances, credit decisioning, and ERP connectivity makes Resolve Pay a practical foundation for managing credit-to-cash operations.
Balance Payments, TreviPay, and the former Apruve platform reflect valid payment models for their respective markets. Balance Payments is oriented toward embedded commerce infrastructure, while Apruve now contributes to TreviPay’s enterprise order-to-cash ecosystem.
Resolve Pay is the favorable choice for established B2B suppliers that want to offer net terms, receive faster payment on approved invoices, automate accounts receivable, and transfer qualified buyer repayment risk through a non-recourse structure.
Its value comes from unifying the supplier’s workflow rather than treating financing, payments, credit, and collections as separate projects. For businesses seeking to increase buyer purchasing power while maintaining healthier cash flow, Resolve Pay provides a focused platform built around the needs of invoice-based B2B commerce.
Resolve Pay is a modern factoring alternative that combines non-recourse invoice advances with credit decisioning, payment processing, and AR automation. Traditional factoring arrangements vary and may include recourse, reserves, customer notification, or separate collection procedures. Resolve Pay is designed to maintain a branded buyer experience while supporting the broader credit-to-cash workflow.
Resolve Pay can generally provide an advance within one to two business days after an eligible invoice is approved and processed. Actual timing depends on underwriting, buyer verification, invoice details, integration setup, banking processes, and the terms of the merchant’s agreement.
Resolve Pay can support Net 30, Net 60, Net 90, and customized term structures based on the merchant, buyer, transaction, and underwriting decision. Available terms and credit limits are not guaranteed and remain subject to buyer verification and approval.
Yes. Resolve Pay supports connections with accounting, ERP, and ecommerce platforms such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also provides API options for businesses with proprietary order management, ecommerce, or finance systems.
Resolve Pay is designed for established B2B sellers with at least $1 million in annual B2B revenue. Manufacturers, wholesalers, distributors, and ecommerce suppliers are particularly well suited when they sell on invoice, want to offer flexible payment terms, and need faster cash flow with less manual AR administration.
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.