Resolve Pay vs Balance Payments vs Invoiced: 2026 Comparison

When B2B companies want to offer flexible payment terms while protecting cash flow, choosing the right platform depends on the workflows they need to improve. Resolve Pay, Balance Payments, and Invoiced by Flywire address different parts of the B2B payment lifecycle. Balance Payments provides embedded payment infrastructure for platforms and marketplaces, while Invoiced focuses on invoice-to-cash automation and global payment workflows. Resolve Pay combines B2B net terms, credit decisioning, approved invoice advances, payment acceptance, and accounts receivable automation in one platform. This integrated approach makes Resolve Pay a strong fit for manufacturers, wholesalers, distributors, and other B2B sellers that want to increase buyer purchasing power, accelerate cash flow, and reduce payment risk.

Key Takeaways

• Resolve Pay connects credit and cash flow: The platform combines buyer credit decisioning, non-recourse invoice advances, payments, invoicing, reconciliation, and collections workflows.
• Approved invoices receive non-recourse protection: Sellers keep the advance if an approved buyer does not pay, subject to Resolve Pay’s approval and transaction requirements.
• Multiple sales channels can use the same workflow: Resolve Pay supports ecommerce checkout, sales-assisted orders, offline invoicing, and custom implementations.
• Integrations reduce disconnected finance work: Connections with ecommerce, ERP, and accounting systems help synchronize customer, invoice, payment, and reconciliation data.
• The platforms serve different operating models: Balance Payments emphasizes embedded marketplace infrastructure, while Invoiced emphasizes invoice-to-cash automation for mid-market and enterprise finance teams.
• Resolve Pay is built around B2B supplier growth: Manufacturers, distributors, and wholesalers can offer terms without independently funding the entire receivables period or expanding manual AR operations.

Why Businesses Compare B2B Payment Solutions

B2B sellers increasingly need payment experiences that accommodate purchase orders, credit approvals, invoices, multiple payment methods, and extended terms. Unlike many consumer purchases, B2B transactions may involve larger order values, repeat purchasing relationships, internal buyer approvals, and Net 30, Net 60, or Net 90 arrangements.

These terms can improve purchasing flexibility, but they can also create a working-capital gap. A seller may need to purchase inventory, pay employees, fulfill the order, and cover operating expenses well before the buyer’s invoice becomes due.

The Federal Reserve Payments Study documents the continuing movement of payments across electronic and other noncash channels. The Census Bureau’s ecommerce data also illustrates the importance of digital commerce across the US economy. As B2B transactions become more digital, sellers need systems that connect checkout, credit, invoicing, payments, and accounting data.

Resolve Pay, Balance Payments, and Invoiced approach this challenge from different starting points:

• Resolve Pay connects embedded credit, non-recourse invoice advances, payments, and AR automation.
• Balance Payments provides payment infrastructure for platforms and marketplaces building embedded B2B transaction experiences.
• Invoiced by Flywire automates invoice-to-cash workflows and connects them with domestic and international payment capabilities.

Understanding Each Platform’s Market Position

Resolve Pay

Resolve Pay originated as a B2B payments initiative associated with Affirm and became an independent company focused on B2B commerce. Its platform is designed to help merchants grow sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payment workflows.

Resolve Pay combines several functions that businesses often manage through separate systems:

• AI-supported credit decisions
• Business credit assessments
• Net terms for approved buyers
• Non-recourse invoice advances
• Invoice delivery and management
• Branded buyer payment portals
• Payment reminders and collections workflows
• Automated reconciliation and bookkeeping synchronization
• Ecommerce, ERP, accounting, and API integrations

The non-recourse structure is central to its positioning. For approved invoices, Resolve Pay assumes the buyer's nonpayment risk under the applicable program terms. The merchant keeps the advance if the approved buyer defaults, allowing the seller to offer credit without carrying the same direct exposure associated with internally funded trade credit.

Resolve Pay can support Net 30, Net 60, Net 90, and other approved payment arrangements. Depending on the transaction and credit decision, sellers may receive an advance on approved invoice value while the buyer retains time to pay.

Balance Payments

Balance Payments provides embedded B2B payment infrastructure for marketplaces, platforms, and businesses developing customized transaction experiences. Its API-oriented model can support payment flows that involve buyers, sellers, and platform operators.

Common use cases include:

• Embedded B2B checkout
• Marketplace payment workflows
• Consolidated invoicing
• Seller or vendor payment coordination
• Transaction management across multiple parties
• Customized payment experiences built into an existing platform

Balance Payments is most relevant when a business is developing a marketplace or platform and needs payment capabilities integrated into its own product experience. Implementation scope depends on the platform’s architecture, transaction model, and technical requirements.

Invoiced by Flywire

Invoiced is an invoice-to-cash automation platform operated by Flywire. Flywire acquired Invoiced in August 2024 to combine accounts receivable software with its broader global payment infrastructure.

Invoiced automates areas such as:

• Invoice delivery
• Collections outreach
• Cash application
• Payment reconciliation
• Subscription billing
• Payment processing
• Receivables reporting
• Customer self-service workflows

The platform is designed primarily for mid-market and enterprise finance teams managing high-volume or complex accounts receivable operations. Through Flywire, it also supports international payment collection and currency workflows.

Invoiced is therefore positioned around invoice-to-cash efficiency, particularly for organizations seeking to automate collections, reconciliation, and payment posting across large or international receivables portfolios.

1. Resolve Pay for Integrated B2B Payments and Financing

Credit Decisioning and Net Terms

Resolve Pay helps sellers evaluate business buyers before extending credit. Its credit management platform uses business information, financial data, behavioral signals, and credit expertise to inform approval decisions and recommended credit lines.

Qualified buyers can apply for terms through a checkout flow, payment experience, or seller-assisted process. This gives sales and finance teams a more consistent way to evaluate customers than relying entirely on manual credit references, emailed forms, or spreadsheet-based limits.

Credit lines and transaction approvals are not guaranteed. Decisions remain subject to buyer verification, underwriting, transaction details, and Resolve Pay’s approval requirements.

Non-Recourse Invoice Advances

Resolve Pay’s approved invoice advances help merchants access cash before the buyer’s payment term ends. This can reduce the need to fund Net 30, Net 60, or Net 90 invoices entirely from the seller’s own working capital.

For approved transactions, the advance is non-recourse. Resolve Pay assumes the approved buyer’s nonpayment risk according to the program terms, and the merchant keeps the funds advanced for that invoice.

This structure can be especially useful for businesses that:

• Carry substantial inventory
• Fulfill large commercial orders
• Experience seasonal demand
• Sell to buyers requesting longer terms
• Need to reinvest cash in operations
• Want to reduce exposure to customer default

Resolve Pay describes this model as a modern alternative to traditional factoring because it combines credit assessment, payment acceleration, buyer servicing, and AR workflows in one system.

Accounts Receivable Automation

Resolve Pay’s AR automation platform supports invoices with net terms, cash on delivery, or payment due upon receipt. The platform is designed to automate repetitive tasks across the receivables lifecycle.

Core capabilities include:

• Invoice management
• Automated payment reminders
• Collections workflows
• Payment status tracking
• Invoice-to-payment matching
• Accounting synchronization
• Credit and receivables dashboards
• Branded buyer communication

Resolve Pay also uses smart bookkeeping and reconciliation tools to connect transaction records with the original invoice. This gives finance teams a centralized view of credit, payments, outstanding receivables, and reconciliation activity.

Payment Acceptance

Through its B2B payments platform, Resolve Pay provides a branded portal where buyers can review invoices and use supported payment methods.

Available payment workflows may include:

• ACH
• Credit card
• Wire or bank transfer
• Mailed check

This creates a consistent payment experience while allowing the merchant to maintain its branding and customer relationship. Resolve Pay can also manage payment reminders and collections activity for invoices handled through the platform.

Ecommerce and ERP Integrations

Resolve Pay connects to ecommerce, accounting, and ERP systems through built-in integrations and flexible APIs. Its integration options include:

• Shopify and Shopify Plus
• BigCommerce
• Magento 2
• WooCommerce
• QuickBooks Online
• Xero
• Oracle NetSuite
• Sage Intacct
• Custom ecommerce and ERP implementations

Checkout integrations can add an option that allows qualified business buyers to apply for terms during the purchasing process. ERP and accounting connections can synchronize customer records, invoices, payments, payouts, and bookkeeping data.

Resolve Pay’s ERP integration guide explains how ecommerce and finance systems can work together while Resolve Pay supports the credit, payment, and receivables layer. Exact configuration requirements vary by system and merchant workflow.

Resolve Pay also received the 2025 BigCommerce award for Innovative Integration, recognizing its work on embedded B2B payments and net terms for BigCommerce merchants.

2. Balance Payments

Balance Payments is oriented toward platforms and marketplaces that want to embed B2B payment capabilities into their own products. Instead of centering the experience on a standalone accounts receivable system, it provides infrastructure that can be incorporated into a platform’s transaction flow.

This approach may be relevant for:

• Multi-vendor B2B marketplaces
• Procurement platforms
• Industry-specific commerce networks
• Platforms coordinating buyers and suppliers
• Businesses building proprietary B2B checkout experiences

The platform’s API-driven structure gives development teams flexibility over how payment experiences appear within their applications.

Implementation Considerations

A platform-oriented implementation generally requires coordination among product, engineering, finance, compliance, and operations teams. The deployment timeline can vary depending on transaction routing, marketplace structure, seller onboarding, reconciliation requirements, and the level of customization involved.

Balance Payments can be considered when embedded infrastructure and marketplace-specific payment orchestration are the primary requirements.

3. Invoiced for Invoice-to-Cash Automation

Invoiced by Flywire focuses on automating invoice-to-cash workflows for mid-market and enterprise finance teams. Its platform helps organizations manage invoice delivery, collections, payment processing, cash application, and reconciliation across large or complex receivables portfolios.

Invoiced supports finance teams with tools designed to reduce repetitive accounts receivable work, including:

• Automated invoice delivery
• Scheduled collections reminders
• Customer communication workflows
• Cash application
• Payment-to-invoice matching
• Reconciliation
• Subscription billing
• Receivables reporting
• Customer self-service payment options

CashMatch AI helps associate incoming payments with open invoices and flags uncertain matches for finance teams to review. Smart Chasing supports structured collections outreach across invoices and customer accounts.

Global Payment Workflows

Through Flywire, Invoiced can support organizations managing domestic and international payment activity. Relevant capabilities include:

• Cross-border payment collection
• Multiple currency workflows
• ERP connectivity
• Multi-entity receivables management
• Consolidated reporting
• Automated payment reconciliation
• Invoice and payment status tracking

This positioning makes Invoiced relevant for organizations that prioritize invoice-to-cash automation, international payment collection, and complex enterprise receivables workflows.

Why Resolve Pay Is a Strong Fit for B2B Sellers

Resolve Pay’s principal advantage is the way it connects sales growth, cash-flow acceleration, credit risk management, and AR operations.

One Credit-to-Cash Workflow

Rather than separating credit approval, invoice financing, payment collection, reconciliation, and collections into unrelated systems, Resolve Pay coordinates these activities through one platform.

This can create a clearer workflow:

1. A buyer requests net terms.
2. Resolve Pay evaluates the buyer.
3. The approved buyer receives a credit decision.
4. The merchant completes the sale and issues the invoice.
5. Resolve Pay advances funds on the approved invoice.
6. The buyer pays according to the agreed terms.
7. Payment and reconciliation records synchronize with connected systems.

This model can support ecommerce orders, offline transactions, sales-assisted purchases, and hybrid B2B sales operations.

Cash Flow Without Independently Funding Every Term

Sellers often offer terms because buyers expect them, but financing every receivable can restrict inventory purchasing and operating flexibility. Resolve Pay helps turn approved invoices into usable cash sooner while preserving the buyer’s agreed payment period.

The CFPB’s lending data reflects the broader importance of business credit access. Resolve Pay approaches that challenge from the supplier side by helping merchants extend purchasing power to approved customers without waiting through the complete invoice term for cash.

Support for Established B2B Commerce

Resolve Pay is particularly suited to manufacturers, distributors, wholesalers, equipment suppliers, building-material companies, medical suppliers, and other established B2B sellers. These companies often manage repeat buyers, larger invoices, inventory requirements, purchase orders, and payment terms that do not fit a consumer-oriented checkout model.

Businesses evaluating Resolve Pay should consider whether they need:

• Faster access to cash from approved invoices
• Non-recourse protection
• Automated credit decisions
• Ecommerce net terms
• A branded payment portal
• AR and collections automation
• ERP or accounting integration
• One platform across online and offline sales

For sellers with these requirements, Resolve Pay provides a coordinated system for extending terms, accelerating payment, and managing the receivables lifecycle.

Final Verdict

Resolve Pay, Balance Payments, and Invoiced serve different B2B payment priorities. Balance Payments is oriented toward platforms and marketplaces building embedded transaction infrastructure. Invoiced by Flywire is oriented toward invoice-to-cash automation and global payment operations for mid-market and enterprise finance teams.

Resolve Pay is the most aligned option for B2B manufacturers, distributors, wholesalers, and suppliers that want to offer net terms while improving cash flow and reducing risk. Its combination of credit decisioning, non-recourse invoice advances, payment acceptance, AR automation, collections workflows, and system integrations addresses both the buyer experience and the seller’s financial operations.

For businesses seeking to turn payment terms into a sales tool without independently carrying every approved receivable, Resolve Pay provides a complete embedded credit-to-cash platform.

Frequently Asked Questions

What Does Resolve Pay Do?

Resolve Pay helps B2B sellers offer net payment terms to qualified buyers while accelerating payment on approved invoices. It combines business credit decisioning, non-recourse invoice advances, payment processing, invoicing, reconciliation, collections workflows, buyer portals, and integrations with ecommerce, ERP, and accounting systems.

What Happens If an Approved Buyer Does Not Pay?

Resolve Pay’s approved invoice advances are non-recourse. When a transaction meets the applicable approval and program requirements, the merchant keeps the advance if the approved buyer does not pay. Resolve Pay manages the associated servicing and collections process.

Which Systems Integrate With Resolve Pay?

Resolve Pay supports integrations with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, NetSuite, and Sage Intacct. It also provides APIs and developer tools for custom ecommerce, ERP, and order-management workflows.

How Quickly Can Resolve Pay Advance an Approved Invoice?

Resolve Pay states that qualifying approved invoices may be advanced within approximately one business day, although timing can depend on approval, verification, invoice submission, banking processes, and the merchant’s specific implementation.

Is Resolve Pay Only for Ecommerce Transactions?

No. Resolve Pay can support ecommerce checkout, offline invoices, sales-assisted orders, field sales, marketplaces, and hybrid transaction models. Businesses can use native integrations or APIs to connect Resolve Pay with their existing sales and finance 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.