Jul 16, 2026
When B2B companies need to offer flexible payment terms while protecting cash flow, choosing the right payment platform becomes an important operational decision. Resolve Pay, Balance Payments, and Kriya address different parts of the B2B payment lifecycle. Balance Payments provides embedded payment and financing infrastructure for platforms and marketplaces, while Kriya offers B2B PayLater, invoice finance, and working capital products with a strong UK market focus. Resolve Pay net terms combine buyer credit decisions, invoice advances, payment workflows, and accounts receivable automation for B2B manufacturers, wholesalers, distributors, and ecommerce sellers.
Key Takeaways
- Resolve Pay connects credit and receivables: The platform combines buyer underwriting, net terms, invoice advances, payment collection, and AR automation in one coordinated system.
- Approved invoices receive non-recourse protection: Resolve Pay assumes the credit risk on invoices it approves and advances, helping sellers extend terms without retaining buyer default exposure.
- Buyers can receive flexible payment terms: Businesses can offer Net 30, Net 45, Net 60, Net 90, or tailored terms based on the approved program and buyer.
- Integrations support existing workflows: Resolve Pay connects with ecommerce, ERP, and accounting systems, including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, NetSuite, Xero, and Sage Intacct.
- Balance Payments emphasizes embedded infrastructure: Its platform is designed for companies building B2B payment, checkout, and financing experiences into their own products.
- Kriya combines payments and working capital: Kriya provides B2B PayLater, invoice finance, and business lending products and became part of Allica Bank in October 2025.
Why Businesses Compare These B2B Payment Solutions
B2B sellers frequently face a timing mismatch between paying suppliers, employees, and operating expenses and collecting invoices from their customers. Offering Net 30, Net 60, or Net 90 terms can help a seller win larger orders and maintain buyer relationships, but it can also leave cash tied up in accounts receivable.
Modern B2B payment platforms address this challenge through combinations of:
- Business credit assessment
- Net terms and embedded checkout options
- Invoice advancement or working capital
- ACH, card, wire, and check payments
- Invoicing and reconciliation
- Payment reminders and collections workflows
- ERP, accounting, and ecommerce integrations
The three platforms in this comparison approach these functions from different starting points. Resolve Pay centers on the complete credit-to-cash workflow for B2B sellers. Balance Payments focuses on embedded payment infrastructure for platforms and marketplaces. Kriya combines B2B PayLater with invoice finance and working capital products.
1. Resolve Pay For B2B Net Terms And AR Automation
Integrations: Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, NetSuite, Xero, Sage Intacct, and flexible APIs
Best For: B2B sellers that want to offer payment terms, receive faster payment on approved invoices, and automate receivables
Resolve Pay is a B2B payments and net terms platform that helps merchants increase buyer purchasing power while improving cash flow and reducing credit risk. Its platform brings together business credit decisions, invoice advances, payment acceptance, collections, reconciliation, and receivables management.
More than 15,000 businesses use Resolve Pay. The company was created by a team with experience building financial products at Affirm and applies embedded credit and payment technology to business transactions.
Key Features
- Non-recourse invoice advances: Resolve Pay can advance payment on approved invoices while assuming the associated buyer credit risk. Once an approved advance is made, the seller keeps the funds even if the approved buyer later defaults.
- AI-powered credit decisions: The business credit check combines automated analysis, behavioral signals, financial data, and credit expertise to evaluate buyers.
- Flexible net terms: Sellers can offer Net 30, Net 45, Net 60, Net 90, or customized payment arrangements based on buyer eligibility and program structure.
- Invoice and AR automation: Resolve Pay automates invoicing, reminders, payment status updates, reconciliation, and other receivables workflows.
- Branded payment portal: Buyers can access a merchant-branded experience and pay through ACH, credit card, wire transfer, or check.
- Ecommerce checkout options: Qualified buyers can apply for terms through embedded or integrated ecommerce experiences.
- Accounting and ERP connectivity: Transaction and invoice data can sync with connected financial systems to reduce duplicate data entry.
How Resolve Pay Supports Cash Flow
Resolve Pay can advance up to 100% of eligible approved invoices, although the actual advance depends on the buyer, transaction, and underwriting decision. Funds are generally delivered within one to two business days after an eligible invoice is approved.
The buyer continues to pay according to the approved terms, while the seller gains earlier access to cash. This structure can help businesses:
- Reinvest in inventory and operations sooner
- Offer terms without funding the entire receivable internally
- Reduce exposure to default on approved advanced invoices
- Avoid maintaining a large internal credit operation
- Create more predictable cash flow from eligible B2B sales
Resolve Pay describes its model as a modern factoring alternative because it combines non-recourse invoice advancement with credit, payment, and AR workflows rather than treating financing as a standalone transaction.
Ecommerce And Financial System Integrations
Resolve Pay provides financial system integrations for ecommerce, accounting, and ERP environments. Supported connections include:
- Shopify
- BigCommerce
- Magento
- WooCommerce
- QuickBooks Online
- Oracle NetSuite
- Xero
- Sage Intacct
Checkout extensions can allow buyers to apply for terms during the purchasing process. Connected accounting and ERP workflows can import customer and invoice information, update payment status, and support reconciliation.
Resolve Pay also provides APIs for merchants and platforms that need a more customized implementation.
Best Fit
Resolve Pay is designed for established B2B companies, including manufacturers, distributors, wholesalers, suppliers, and ecommerce merchants. It is particularly relevant when a business wants one platform to manage credit approval, net terms, invoice advancement, payments, collections, and AR reporting.
2. Balance Payments
Balance Payments provides infrastructure that businesses can use to embed B2B payment and financing capabilities into their products. Its model is oriented toward platforms, marketplaces, and technology-led businesses that want to control the customer experience while connecting payment workflows through APIs.
Key Features
Balance Payments supports capabilities such as:
- Embedded B2B checkout
- Payment processing
- Buyer onboarding
- Financing and payment terms
- Marketplace payment workflows
- API-based implementation
- Payment reconciliation tools
Platform Approach
Balance Payments is designed to function as an infrastructure layer inside another company’s product or marketplace. This can be relevant for organizations creating proprietary payment flows, managing transactions between multiple business participants, or embedding financing into a specialized commerce platform.
Implementation scope depends on the company’s product architecture, transaction structure, and desired checkout experience. Businesses typically evaluate the platform based on their need for customization, marketplace functionality, and developer-led integration.
Balance Payments is suited to platforms and marketplaces that want to incorporate B2B payment or financing functions into their own software experience. It may also fit technology teams that prefer an API-based implementation rather than a primarily preconfigured merchant workflow.
3. Kriya
Kriya was founded in 2011 as MarketInvoice and later rebranded as Kriya. The company provides B2B PayLater, invoice finance, and working capital loans.
Kriya became part of Allica Bank in October 2025. The acquisition combines Kriya’s digital credit and embedded payment technology with Allica Bank’s funding base and banking infrastructure.
Key Features
- B2B PayLater: Merchants can provide eligible business buyers with payment flexibility through checkout, telesales, or other sales channels.
- Invoice finance: Businesses can access funding against eligible unpaid invoices.
- Working capital loans: Kriya provides business financing products for qualifying companies.
- Embedded finance: Payment and credit capabilities can be incorporated into partner sales experiences.
- Allica Bank backing: Kriya now operates as part of Allica Bank’s business banking and working capital offering.
Platform Approach
Kriya serves businesses that need payment flexibility or working capital within the UK market. Its products cover both merchant-facing trade credit and business-facing finance.
Its B2B PayLater product helps merchants offer approved buyers additional time to pay. Its invoice finance product is designed for businesses that want to release cash from eligible receivables.
Kriya is relevant to UK merchants offering B2B payment terms and UK businesses seeking invoice finance or working capital. Companies should evaluate the applicable product, eligibility requirements, facility structure, and integration options for their specific use case.
Comparing Cash Flow Approaches
The platforms differ most clearly in how they address working capital and the broader receivables process.
Resolve Pay
Resolve Pay connects invoice advancement with buyer credit decisions and accounts receivable automation. On approved invoices, the platform can provide non-recourse advances and manage payment servicing, reminders, collections, and reconciliation.
This approach is built for sellers that want to offer terms while receiving funds earlier and reducing the manual work associated with managing receivables.
Balance Payments
Balance Payments focuses on embedded infrastructure. It enables platforms and marketplaces to incorporate payment and financing functions within their own products.
The value of this approach lies in configuration and control over the embedded experience. The implementation is shaped by the platform’s transaction model and technical requirements.
Kriya
Kriya offers separate but connected solutions for merchant PayLater programs, invoice finance, and working capital. Its invoice finance products allow qualifying UK businesses to access funds against receivables, while its embedded PayLater service supports merchant checkout and sales workflows.
Comparing Integration Approaches
Ecommerce Connections
Resolve Pay offers integrations for common B2B commerce platforms. Sellers can add net terms to supported checkout environments while connecting approved transactions to invoicing and payment workflows.
These integrations are designed to support:
- Buyer applications
- Credit decisions
- Approved payment terms
- Invoice creation
- Advance payments
- Payment status tracking
- Reconciliation
Balance Payments provides API-based tools for companies building payment capabilities into their own products. Kriya provides embedded PayLater integrations for eligible UK merchants and partners.
ERP And Accounting Connectivity
Resolve Pay connects with financial systems such as QuickBooks Online, NetSuite, Xero, and Sage Intacct. Its NetSuite integration supports the exchange of customer, invoice, and payment information between Resolve Pay and NetSuite workflows.
These connections can reduce repetitive entry and help finance teams maintain more consistent invoice and payment records.
The U.S. Census Bureau tracks the continued role of electronic commerce across business sectors, while the Federal Reserve Payments Study documents changes in how payments are initiated and processed. The Small Business Credit Survey also provides broader context on business financing and credit conditions.
Why Resolve Pay Is A Strong Choice For B2B Sellers
Resolve Pay is the most directly aligned option in this comparison for B2B sellers that need to offer net terms while improving cash flow and receivables operations.
A Coordinated Credit-To-Cash Platform
Resolve Pay combines services that businesses might otherwise manage through several providers:
- Buyer credit assessment
- Credit line recommendations
- Net terms
- Invoice advances
- Payment processing
- Branded buyer portals
- Payment reminders
- Collections workflows
- Reconciliation
- ERP and accounting synchronization
Bringing these functions into one platform can make it easier for finance, sales, ecommerce, and operations teams to manage the same buyer and invoice lifecycle.
Non-Recourse Protection On Approved Advances
The non-recourse structure is central to Resolve Pay’s value. After Resolve Pay approves a buyer and advances an eligible invoice, it assumes the related buyer credit risk.
This enables a seller to extend approved terms without retaining the same default exposure it would face when funding the receivable internally.
Support For Multiple Sales Channels
Resolve Pay can support ecommerce transactions, offline sales, field representatives, invoiced orders, and customized embedded checkout experiences. This makes it suitable for B2B businesses that sell through more than one channel.
Automation Beyond Financing
Resolve Pay is not limited to advancing invoices. Its agentic collections tools and AR workflows can automate reminders, payment follow-up, reconciliation, and invoice management across financed and non-financed receivables.
For established B2B sellers seeking faster cash flow, flexible buyer terms, non-recourse protection, and fewer manual receivables tasks, Resolve Pay provides the most complete seller-focused platform among the three options.
Frequently Asked Questions
What Makes Resolve Pay Different From Traditional Invoice Factoring?
Resolve Pay combines non-recourse invoice advancement with buyer underwriting, net terms, payment processing, and AR automation. Traditional factoring is generally centered on purchasing or funding receivables. Resolve Pay is structured as a broader credit-to-cash platform that helps sellers offer terms, receive earlier payment on approved invoices, and manage the remaining receivables workflow.
How Quickly Does Resolve Pay Make Credit Decisions?
Resolve Pay can provide automated credit decisions in seconds for qualifying applications. Some credit reviews may require additional verification and can take up to 24 business hours. Approval speed, credit limits, and available terms depend on the buyer’s information and Resolve Pay’s underwriting.
How Much Of An Invoice Can Resolve Pay Advance?
Resolve Pay may advance up to 100% of an eligible approved invoice. Advance percentages are not guaranteed and can vary based on the buyer, transaction, credit assessment, and program configuration.
Which Payment Methods Does Resolve Pay Support?
Resolve Pay’s branded buyer portal supports ACH, credit cards, wire transfers, and checks. Available payment options can be connected to invoicing, payment tracking, collections, and reconciliation workflows.
Which Businesses Are A Good Fit For Resolve Pay?
Resolve Pay is designed for established B2B sellers, including manufacturers, wholesalers, distributors, suppliers, and ecommerce businesses. It is a strong fit for companies that want to offer Net 30, Net 60, Net 90, or tailored terms without funding every receivable internally or managing the entire credit and collections process manually.
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.
