When B2B companies need to improve accounts receivable operations and offer flexible payment terms, choosing the right platform becomes a critical business decision. Resolve Pay, Balance Payments, and Gaviti support different parts of the B2B payment and invoice-to-cash process. Balance provides embedded payments, digital trade credit, invoicing, and order-to-cash infrastructure, while Gaviti focuses on accounts receivable management and automation. Resolve Pay combines B2B net terms, credit decisioning, advance payment on approved invoices, payment acceptance, and AR automation in one platform built for B2B sellers seeking growth with less credit and collections overhead.
B2B sellers frequently compare payment and AR platforms when manual credit reviews, delayed customer payments, fragmented systems, or collections work begin limiting growth. The right platform should support the company’s sales model while giving finance teams appropriate visibility and control.
The Federal Reserve Payments Study documents the continued evolution of electronic payment activity in the United States. At the same time, the SBA finance guide emphasizes the importance of monitoring cash flow, accounts receivable, and payment obligations as a business grows.
Resolve Pay, Balance, and Gaviti approach these needs from different starting points:
The best fit depends on whether a company primarily needs embedded B2B commerce infrastructure, an AR management platform, or a connected solution that combines customer terms with faster seller payment.
Integrations: QuickBooks Online, NetSuite, Sage Intacct, Xero, BigCommerce, Shopify, Magento 2, WooCommerce, and flexible APIs
Best For: B2B sellers seeking net terms, advance payment on approved invoices, credit decisioning, payment workflows, and accounts receivable automation
Resolve Pay addresses a central challenge for B2B sellers: buyers often expect time to pay, while sellers need predictable access to cash. Through its net terms platform, Resolve Pay evaluates business buyers, establishes approved credit terms, and can advance payment on eligible invoices before the buyer’s payment date.
This structure allows sellers to provide Net 30, Net 60, Net 90, or other approved terms without managing every part of the credit-to-cash process internally. Resolve Pay also supports invoicing, reconciliation, buyer communications, payment collection, and receivables visibility.
Resolve Pay brings several connected capabilities into one B2B payment platform:
Credit limits, advance amounts, approval timing, and available terms depend on buyer verification and Resolve Pay’s underwriting decisions.
Resolve Pay’s Advance Pay capability can shorten the period between issuing an approved invoice and receiving funds. Instead of waiting for the customer’s complete payment term, a seller may receive an advance while the buyer follows the agreed payment schedule.
The non-recourse structure is especially important for sellers that want to extend terms without retaining the full repayment risk for eligible funded invoices. Resolve Pay states that advances on approved invoices are the seller’s to keep if the approved buyer later defaults, subject to the applicable terms and verification requirements.
This approach differs from simply automating collections. Resolve Pay connects the customer’s credit approval with the seller’s payment timing, helping finance teams address both receivables operations and working capital needs.
Resolve Pay’s AR automation platform helps finance teams manage invoices from creation through payment. The platform supports net terms, cash-on-delivery transactions, and invoices due upon receipt.
Core workflows include:
By centralizing these activities, Resolve Pay can reduce reliance on spreadsheets, disconnected payment portals, and manual follow-up. Finance teams retain visibility while automations handle repetitive steps throughout the invoice lifecycle.
Resolve Pay’s business credit checks combine automated analysis with credit expertise. The platform can begin a quiet assessment using the buyer’s business name and address, which helps sellers evaluate potential terms before requiring a lengthy application.
The credit workflow may include:
Decisions and credit limits remain subject to verification and Resolve Pay’s underwriting discretion. For sellers, the benefit is a structured credit process that can be connected directly to sales, invoicing, and ecommerce workflows.
Resolve Pay’s financial integrations connect its credit-to-cash workflows with ecommerce, accounting, and ERP systems. Supported platforms include QuickBooks Online, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, Magento 2, and WooCommerce.
For ecommerce sellers, Resolve Pay can embed a net terms option into the buying journey. Qualified buyers can apply for or use approved terms while remaining within the merchant’s checkout experience.
The platform can also synchronize customer, invoice, payment, and transaction information with connected systems. This reduces duplicate data entry and helps keep sales, ecommerce, and finance records aligned.
Resolve Pay’s BigCommerce integration received the Innovative Integration Award, recognizing its ability to connect B2B checkout with credit and net terms workflows.
Resolve Pay’s B2B payment platform includes a branded portal where buyers can review invoices, access available payment options, and manage outstanding obligations.
Depending on the merchant’s setup, buyers may pay through:
The portal helps preserve the seller’s customer relationship by maintaining merchant branding throughout the payment experience. Payment activity can then flow into connected accounting or ERP systems for reconciliation and reporting.
Resolve Pay is primarily designed for B2B businesses, including:
Businesses generally need at least $1 million in annual B2B revenue to meet the platform’s stated eligibility threshold. Final suitability depends on transaction structure, buyer profile, integration requirements, and underwriting.
Balance is a financial infrastructure platform for B2B commerce. Its current product portfolio extends beyond marketplace payment orchestration and includes embedded payments, digital trade credit, B2B buy now, pay later, invoicing, collections, cash application, and order-to-cash tools.
The platform can support merchants, distributors, marketplaces, and software companies that want to embed B2B payment or credit experiences into their existing systems.
Balance’s published capabilities include:
Balance is relevant to organizations building payment and credit functionality into a digital commerce platform or custom application. Its API-oriented approach can support businesses that want greater control over how financial tools appear within their software or checkout environment.
Balance and Resolve Pay now address several overlapping B2B commerce needs. Resolve Pay remains particularly relevant for sellers seeking a connected combination of credit underwriting, non-recourse invoice advances, branded payment workflows, and AR automation designed around the merchant’s receivables process.
Gaviti is an accounts receivable management and invoice-to-cash automation platform. Although collections automation remains a major part of its offering, its current product range also includes cash application, credit management and monitoring, dispute and deduction workflows, invoice distribution, analytics, and customer self-service.
The platform is designed for finance teams that want centralized visibility and standardized processes across one or more ERP systems.
Gaviti’s published platform capabilities include:
Gaviti can help AR teams organize customer communication, prioritize collection activity, monitor receivables, and manage invoice-related issues from a central workspace.
Its focus is invoice-to-cash process management. Resolve Pay addresses similar AR workflows while also connecting them with buyer underwriting, net terms, payment advances, and non-recourse protection on approved invoices.
B2B sellers often need more than a payment processor or collections workflow. They may also need to determine which buyers qualify for terms, assign appropriate credit limits, preserve cash flow, accept multiple payment methods, reconcile transactions, and follow up on unpaid invoices.
Resolve Pay connects these functions through one platform:
The CFPB small-business resources provide broader information about commercial credit markets and small-business financing. For sellers extending trade credit, the practical challenge is balancing buyer purchasing power with disciplined underwriting and receivables management.
Resolve Pay is built around that balance. Its combination of embedded credit, liquidity, payments, and AR automation allows sellers to provide a flexible buying experience while keeping finance operations connected.
Resolve Pay, Balance, and Gaviti each support important B2B finance workflows, but they are structured around different operating needs.
Balance provides broad financial infrastructure for companies embedding payments, trade credit, invoicing, and order-to-cash capabilities into digital commerce environments. Gaviti provides invoice-to-cash automation for finance teams managing collections, cash application, disputes, credit monitoring, and reporting.
Resolve Pay is the favorable choice for B2B sellers that want to combine flexible buyer terms with faster access to cash on approved invoices. Its platform connects credit decisions, non-recourse advances, invoicing, payment acceptance, collections, reconciliation, and ecommerce integrations.
For manufacturers, wholesalers, distributors, suppliers, and B2B ecommerce businesses, this connected model can turn net terms into a practical sales and cash flow tool rather than a fragmented finance process. Sellers can offer buyers more purchasing flexibility while Resolve Pay supports the operational and financial workflows behind each approved transaction.
Resolve Pay can advance funds on approved invoices while buyers retain their agreed payment terms. For eligible non-recourse advances, the seller keeps the funds if the approved buyer later defaults. Buyer approval, invoice eligibility, advance amounts, and credit limits remain subject to Resolve Pay’s underwriting, verification, and program terms.
Yes. Resolve Pay supports integrations with QuickBooks Online, NetSuite, Sage Intacct, Xero, and other financial systems. The platform can synchronize customer, invoice, payment, and transaction data to reduce duplicate data entry and simplify reconciliation. A flexible API is available for businesses with custom ERP or order management requirements.
Resolve Pay can add net terms to ecommerce checkout experiences on platforms such as BigCommerce, Shopify, Magento 2, and WooCommerce. Buyers can apply for or use approved terms during the purchasing process, while Resolve Pay supports credit decisioning, payment workflows, invoicing, collections, and synchronization with connected business systems.
Resolve Pay’s branded buyer portal supports common B2B payment methods, including ACH, credit cards, wire transfers, and checks. Available methods may depend on the merchant’s configuration. Payment activity can be connected with accounting and ERP integrations to support transaction records, reconciliation, and receivables reporting.
Resolve Pay is designed for manufacturers, wholesalers, distributors, suppliers, and B2B ecommerce sellers that want to offer payment terms without managing the entire credit-to-cash process manually. The platform is particularly relevant to businesses seeking buyer underwriting, approved invoice advances, payment acceptance, collections automation, and connected accounting 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.