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.
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 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:
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 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:
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 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:
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.
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.
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:
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.
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:
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.
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:
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.
Resolve Pay connects to ecommerce, accounting, and ERP systems through built-in integrations and flexible APIs. Its integration options include:
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.
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:
The platform’s API-driven structure gives development teams flexibility over how payment experiences appear within their applications.
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.
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:
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.
Through Flywire, Invoiced can support organizations managing domestic and international payment activity. Relevant capabilities include:
This positioning makes Invoiced relevant for organizations that prioritize invoice-to-cash automation, international payment collection, and complex enterprise receivables workflows.
Resolve Pay’s principal advantage is the way it connects sales growth, cash-flow acceleration, credit risk management, and AR operations.
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:
This model can support ecommerce orders, offline transactions, sales-assisted purchases, and hybrid B2B sales operations.
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.
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:
For sellers with these requirements, Resolve Pay provides a coordinated system for extending terms, accelerating payment, and managing the receivables lifecycle.
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.
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.
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.
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.
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.
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.