When B2B companies evaluate net terms financing and accounts receivable automation, Resolve Pay, Balance Payments, and Behalf may appear in the same search, but they represent different approaches and operating statuses. Behalf ceased operations in January 2023, so it is relevant only as a historical reference. Balance focuses on embedded financial infrastructure for B2B commerce, while Resolve Pay combines B2B net terms with credit decisioning, invoice advancement, payment workflows, and accounts receivable automation. For manufacturers, distributors, wholesalers, and other B2B sellers seeking to offer flexible terms while protecting cash flow, Resolve Pay provides the most directly aligned solution in this comparison.
B2B payment platforms can address very different parts of the credit-to-cash process. Some provide APIs that platforms can embed into custom commerce environments. Others focus on payment processing, invoicing, accounts receivable, or buyer financing.
For suppliers, the practical questions are straightforward:
The Small Business Credit Survey provides ongoing insight into how US small businesses access credit and manage financial challenges. Meanwhile, the Federal Reserve Payments Study tracks changes in noncash payment activity. These resources reinforce the importance of credit access and efficient payment infrastructure for growing businesses.
Resolve Pay is a B2B payments and net terms platform for merchants that want to offer buyers more time to pay without waiting through the full invoice period themselves. It combines embedded credit, invoice advancement, payment acceptance, reconciliation, and accounts receivable automation.
Resolve Pay is used by more than 15,000 businesses and supports Net 30, Net 60, Net 90, and other approved payment structures. Depending on the workflow and buyer, credit decisions may be delivered in seconds or may require additional review.
Balance provides embedded financial infrastructure for B2B commerce. Its current product offering includes pay-by-invoice capabilities, B2B buy now pay later, invoicing, collections, cash application, payments, and integrations.
Its infrastructure is oriented toward digital platforms, marketplaces, and businesses building payment or trade-credit functionality into their own commerce environments.
Behalf was an early provider of short-term B2B financing. It paid vendors on behalf of business buyers and allowed those buyers to repay over time.
The company ceased operating in January 2023. It should therefore be treated as historical context rather than an active platform that businesses can select today.
Resolve Pay is the most directly aligned platform in this comparison for suppliers that want to extend payment terms, accelerate cash flow, and reduce the administrative work associated with business credit.
Resolve Pay brings several connected workflows into one platform:
Businesses can review Resolve Pay’s broader B2B payments platform to see how these functions work across online, offline, marketplace, and sales-assisted transactions.
Offering net terms traditionally requires the seller to finance the buyer. A supplier delivers the product immediately but may wait 30, 60, or 90 days for payment. During that period, the supplier still needs to cover payroll, inventory, freight, production, and other operating expenses.
Resolve Pay changes that timing through invoice advancement. After an eligible buyer and invoice are approved, Resolve Pay can provide up to 100% of the invoice value in approximately one business day. The buyer retains the agreed payment period, while the seller receives working capital much sooner.
This structure can help suppliers:
Resolve Pay describes this model as a modern alternative to traditional factoring because it combines financing with credit decisioning, payments, and AR administration.
Resolve Pay’s non-recourse structure is one of its most important features. When Resolve Pay approves a buyer and advances an eligible invoice, the merchant keeps the advance even if that approved buyer does not ultimately pay.
This arrangement allows the seller to transfer approved buyer non-payment risk to Resolve Pay. It can be particularly valuable for businesses entering new customer relationships, expanding order sizes, or offering terms to a broader group of qualified buyers.
Approval and advance amounts remain subject to buyer verification and Resolve Pay’s underwriting decisions. Credit limits are not guaranteed, and different buyers or invoices may qualify for different advance structures.
Businesses evaluating this approach can learn more about non-recourse net terms and how Resolve Pay manages approved invoice risk.
Traditional commercial credit processes may involve lengthy applications, bank references, trade references, and manual financial reviews. Resolve Pay provides a more streamlined business credit check process.
For some credit checks, sellers may need only the buyer’s business name and address. Resolve Pay then evaluates available business and financial data to support a credit recommendation or approval decision.
Credit timing depends on the buyer and transaction. Some ecommerce applications may receive an immediate decision, while more complex reviews can take additional time. This distinction is important because not every buyer or credit request follows the same approval path.
Resolve Pay supports more than invoice financing. Its AR platform helps finance teams manage invoices regardless of whether they use net terms, cash on delivery, or payment due upon receipt.
Available workflows include:
These capabilities allow companies to coordinate credit, payments, and receivables from one system instead of relying on disconnected spreadsheets and manual follow-up.
The AR automation platform is especially relevant for businesses whose finance teams spend substantial time reviewing applications, matching payments, updating accounting records, and following up on overdue invoices.
Resolve Pay supports ecommerce businesses as well as suppliers that generate orders through sales representatives, purchase orders, phone calls, or offline channels.
Its financial system integrations include connections with:
Resolve Pay also offers APIs for customized commerce implementations. Checkout extensions can allow eligible buyers to apply for net terms while placing an order, creating a more consistent purchasing experience.
For accounting workflows, Resolve Pay can synchronize transaction information and connect payments to their original invoices. This reduces duplicate data entry and helps finance teams maintain more accurate receivables records.
Balance is positioned as financial infrastructure for businesses building payments, invoicing, trade credit, and receivables functionality into digital B2B environments.
Balance currently presents capabilities including:
This model can be relevant for marketplaces, ecommerce platforms, and technology companies that want payment and credit functionality embedded within their own product experience.
Balance’s product positioning centers on enabling platforms to create B2B payment and credit experiences within their existing technology. Its infrastructure can support businesses that require customized commerce workflows and developer-led implementation.
Resolve Pay addresses a related but more supplier-focused use case. It combines embedded options with a ready-to-use credit, invoice advancement, payment, and AR system for merchants that want to manage the full credit-to-cash process.
The distinction is primarily one of operational alignment:
Behalf offered short-term financing for small business purchases. Rather than advancing an existing supplier invoice through a complete AR platform, Behalf generally financed the buyer’s purchase and paid the vendor directly.
The historical Behalf model included:
Behalf ceased operations in January 2023. It no longer represents an active platform for businesses evaluating B2B financing or payment infrastructure.
Its inclusion in this comparison is useful primarily because businesses may still encounter older reviews, directories, and comparison pages referring to its services.
Resolve Pay is designed around the operational needs of sellers extending trade credit. Rather than addressing only checkout or payment acceptance, it supports the broader process from buyer evaluation through final reconciliation.
Resolve Pay brings together:
This connected model reduces the need to combine separate credit bureaus, financing providers, payment portals, collections systems, and reconciliation tools.
Many manufacturers and distributors do not operate through a single sales channel. Orders may arrive through ecommerce websites, marketplaces, field representatives, email, phone, or electronic purchase orders.
Resolve Pay can support transactions across these environments. Businesses can use embedded checkout experiences for online orders while managing invoices generated through traditional sales channels in the same platform.
The net terms ecommerce tools help sellers bring business credit into online purchasing without abandoning established offline workflows.
Payment terms can increase buyer purchasing power by allowing businesses to acquire inventory, equipment, or supplies before the invoice is due. For the seller, however, offering longer terms can create a working-capital gap.
Resolve Pay helps address both sides of this transaction. Buyers receive approved payment flexibility, while sellers can receive advance payment and transfer approved non-payment risk.
Resolve Pay customer stories demonstrate how this model has supported different growth strategies. Archipelago used Resolve Pay while expanding revenue, SS&SI Dealer Network used net terms to support sales growth, and ConEquip expanded its terms program while maintaining greater control over cash flow.
These examples represent individual customer experiences rather than guaranteed results. Outcomes depend on each company’s buyers, transaction volume, margins, implementation, and credit profile.
Businesses can review additional Resolve Pay customer stories to understand how suppliers apply net terms across different industries.
Resolve Pay, Balance Payments, and Behalf should not be treated as three equivalent active platforms. Behalf ceased operations in January 2023. Balance provides embedded financial infrastructure for platforms and B2B commerce environments. Resolve Pay provides net terms financing, invoice advancement, credit management, payment workflows, and AR automation for B2B sellers.
For manufacturers, distributors, wholesalers, and B2B ecommerce companies, Resolve Pay offers the strongest alignment with supplier-side credit-to-cash requirements. It allows qualified buyers to receive flexible terms while helping merchants get paid sooner, protect approved invoices through non-recourse financing, and reduce manual receivables work.
Digital commerce continues to represent an important part of US business activity, as reflected in the Census Bureau’s ecommerce statistics. As more B2B purchases move through digital and hybrid sales channels, suppliers need payment infrastructure that works across checkout, invoicing, financing, collections, and accounting.
Resolve Pay brings these functions together in one platform. Businesses seeking to turn payment terms into a sales and cash-flow tool can explore Resolve Pay’s net terms management capabilities and evaluate how the platform fits their ecommerce, ERP, and accounts receivable workflows.
Behalf ceased operating in January 2023 and is no longer an active financing provider. Businesses may still encounter older reviews or comparison pages describing its vendor-payment and buyer-financing model, but it should now be treated only as historical context.
Resolve Pay evaluates the buyer and invoice before approval. For an approved transaction, Resolve Pay can advance up to 100% of the invoice value. If the approved buyer later defaults, the merchant keeps the advance, and Resolve Pay assumes the covered non-payment risk.
Eligible invoices may be funded in approximately one business day. Actual timing and advance amounts depend on buyer verification, invoice approval, transaction details, banking timelines, and Resolve Pay’s underwriting decision.
Resolve Pay supports integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for businesses that need a customized ecommerce or financial-system connection.
Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, ecommerce sellers, and other merchants that offer business credit. It is particularly relevant for companies that want to extend net terms, receive funds sooner, protect approved invoices, and automate credit and AR workflows.
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.