Resolve Pay vs Balance Payments vs Payability: 2026 Comparison

When B2B companies need to improve cash flow while offering flexible payment terms, choosing the right B2B payment solution becomes an important operational decision. Resolve Pay, Balance Payments, and Payability address different payment and financing workflows. Balance Payments focuses on embedded payment infrastructure for platforms and marketplaces, while Payability accelerates payouts and provides funding for ecommerce marketplace sellers. Resolve Pay combines net terms, buyer credit workflows, invoice advancement, payments, and accounts receivable automation for manufacturers, wholesalers, distributors, and other invoice-based B2B sellers.

Key Takeaways

• Resolve Pay connects the credit-to-cash cycle: The platform combines buyer credit decisions, net terms, invoice advancement, payment acceptance, collections workflows, and reconciliation.
• Non-recourse advances help protect seller cash flow: Sellers can receive advance payment on approved invoices while qualified buyers retain their agreed payment terms.
• Balance Payments supports embedded payment infrastructure: Its API-oriented model is designed for platforms and marketplaces that want to build customized B2B payment experiences.
• Payability focuses on marketplace seller liquidity: Its products help eligible Amazon, Walmart, and other ecommerce sellers access marketplace revenue sooner.
• The platforms serve different transaction models: Resolve Pay is aligned with invoice-based B2B commerce, while Balance Payments and Payability address platform payments and marketplace payouts.
• Resolve Pay supports connected finance operations: Ecommerce, ERP, accounting, payment, and receivables workflows can be managed through integrated systems.

Why Businesses Compare These B2B Payment Platforms

Businesses typically compare these platforms when delayed payments, manual receivables work, or limited payment flexibility starts affecting growth. The Small Business Credit Survey tracks financing conditions and credit access among US small businesses, reinforcing the importance of dependable working capital and payment infrastructure.

For invoice-based sellers, the challenge often extends beyond accepting a payment. Manufacturers, wholesalers, and distributors may need to evaluate buyer credit, establish payment terms, issue invoices, follow up on overdue balances, reconcile transactions, and maintain accurate accounting records.

A connected platform can bring these activities together. Instead of relying on separate tools for underwriting, invoicing, collections, and payments, businesses can build a more consistent credit-to-cash workflow.

The three platforms approach this problem from different starting points:

• Resolve Pay serves B2B sellers that offer invoice-based payment terms.
• Balance Payments provides embedded payment infrastructure for platforms and marketplaces.
• Payability accelerates marketplace payouts and provides sales-based funding to ecommerce sellers.

Understanding these distinctions helps businesses compare the platforms according to their actual sales and payment models.

1. Resolve Pay for B2B Net Terms and AR Automation

Integrations: QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, BigCommerce, Shopify, Magento, WooCommerce, and API-based systems

Best for: Established B2B sellers seeking integrated net terms, invoice advancement, credit workflows, payments, and accounts receivable automation

Resolve Pay is a B2B payments and net terms platform designed to help merchants offer flexible payment terms, improve cash flow, and reduce the operational burden associated with trade credit. The company was developed within the Affirm ecosystem and became an independent business focused on B2B commerce.

Resolve Pay brings several processes into one connected platform:

• Buyer credit evaluation
• Net terms management
• Invoice advancement
• Invoice delivery
• Payment acceptance
• Automated reminders
• Collections workflows
• Transaction reconciliation
• Accounting and ERP synchronization

This approach is especially relevant for suppliers that use Net 30, Net 60, Net 90, or customized payment terms as part of their sales process.

Key Features

Resolve Pay’s product portfolio addresses both seller cash flow and receivables operations:

• Net terms with Advance Pay: Resolve Pay can advance payment on approved invoices while buyers pay according to their assigned terms.
• Accounts receivable automation: Its AR automation platform supports invoicing, reminders, collections workflows, payment processing, and reconciliation.
• Business credit workflows: Resolve Pay uses data-driven underwriting and business credit checks to evaluate buyers and recommend credit decisions.
• Branded payment portal: Buyers can pay through a seller-branded experience using supported methods such as ACH, wire, credit card, or check.
• Ecommerce checkout options: Net terms can be embedded within supported ecommerce and ordering workflows.
• Non-recourse protection: Sellers retain advances on approved invoices if an approved buyer later defaults, subject to the applicable program terms.

How Non-Recourse Invoice Advancement Works

Resolve Pay evaluates the buyer rather than relying only on the seller’s credit profile. When a buyer and transaction are approved, Resolve Pay can advance an agreed portion of the invoice to the seller.

The buyer then pays according to the approved payment schedule. Resolve Pay supports the payment and collections process while the seller gains earlier access to cash.

Because qualifying advances are non-recourse, the seller generally retains the advanced funds if the approved buyer defaults, provided the transaction complies with the agreement. This structure can help businesses offer customer-friendly terms without managing the entire credit risk internally.

Advance percentages, buyer limits, and approval decisions vary according to underwriting, buyer verification, invoice characteristics, and program setup. Sellers should therefore avoid treating the maximum available advance or credit line as a guaranteed amount.

AI-Powered Credit and Collections Capabilities

Resolve Pay uses automated analysis, behavioral signals, financial information, and human credit expertise to support business credit decisions. Some qualified transactions may receive rapid decisions, while more complex applications can require additional review or documentation.

Its credit workflows may include:

• Quiet prequalification using basic business information
• Automated assessment of buyer data
• Credit-line recommendations
• Ongoing portfolio monitoring
• Decisioning based on the buyer and transaction
• Human review when additional analysis is needed

Resolve Pay also offers agentic collections capabilities that help automate routine receivables communication. Depending on configuration, these workflows can support invoice reminders, outreach sequencing, payment follow-up, dispute handling, and collections activity.

Automation does not eliminate the need for finance oversight. Instead, it gives AR teams a centralized system for managing routine work, monitoring exceptions, and prioritizing accounts that need human attention.

Payment and Reconciliation Workflows

Resolve Pay supports multiple invoice structures, including net terms, cash on delivery, and invoices due upon receipt. Its payment workflows can connect invoice information with buyer activity, payment status, and accounting records.

A branded buyer portal can support:

• ACH payments
• Wire transfers
• Credit card payments
• Check payments
• Invoice visibility
• Payment-status tracking
• Account-level payment management

Resolve Pay’s reconciliation tools help map payments back to the relevant invoices and synchronize transaction information with connected accounting systems. The Federal Reserve Payments Study documents the continued evolution of noncash payments, making connected payment and reconciliation processes increasingly important for finance teams.

Integration Ecosystem

Resolve Pay provides ERP and ecommerce integrations for commonly used B2B systems. Supported integration paths include native connectors, checkout extensions, APIs, and webhooks.

Accounting and ERP connections include:

• QuickBooks Online
• Oracle NetSuite
• Xero
• Sage Intacct

Commerce integrations include:

• Shopify
• BigCommerce
• Magento
• WooCommerce

Integration scope and launch timing depend on the seller’s platform, data structure, workflow requirements, and required customization. Standard implementations may be completed relatively quickly, while complex ERP or custom-commerce environments can require a longer implementation process.

Resolve Pay also provides a REST API for businesses operating proprietary storefronts, order-management systems, or specialized procurement workflows.

Best Fit

Resolve Pay is designed primarily for established B2B merchants, manufacturers, wholesalers, distributors, and suppliers that sell through invoices or business checkout workflows.

It may be particularly relevant when a company:

• Offers or plans to offer net terms
• Experiences cash flow pressure while waiting for invoices to mature
• Manages buyer credit manually
• Uses spreadsheets or disconnected tools for AR
• Wants to automate payment reminders and collections workflows
• Needs terms embedded into ecommerce or sales-assisted ordering
• Wants to reduce exposure on approved buyer transactions
• Requires accounting or ERP synchronization

Eligibility and program design depend on factors such as annual B2B revenue, transaction history, buyer quality, industry, and invoice characteristics.

2. Balance Payments

Balance Payments provides B2B payment infrastructure for digital platforms, marketplaces, and businesses that want to embed payment functionality into their products. Its developer-oriented model supports customized checkout and payment orchestration rather than focusing exclusively on traditional supplier invoicing.

Key Features

Balance Payments supports platform-based payment workflows that may include:

• Embedded B2B checkout
• Buyer qualification
• Payment orchestration
• Marketplace transaction management
• Vendor and seller payouts
• Cash application
• Dunning workflows
• Multiple payment methods
• API-based implementation

Available services and financing arrangements depend on the customer’s implementation and commercial agreement.

Balance Payments is generally aligned with:

• B2B marketplaces
• Procurement platforms
• Digital commerce networks
• Enterprise software providers
• Developer-led businesses
• Platforms coordinating transactions among multiple parties

Its infrastructure model gives businesses flexibility to design payment experiences within their existing products. Organizations evaluating Balance Payments should review the technical resources, implementation responsibilities, supported regions, settlement structure, and underwriting model associated with their proposed deployment.

3. Payability

Payability specializes in payment acceleration and funding for ecommerce marketplace sellers. Its services are built around revenue generated through platforms such as Amazon and Walmart rather than invoices issued directly to independent business buyers.

Key Features

Payability’s marketplace-focused products include:

• Accelerated access to marketplace payouts
• Daily or next-day payout options for eligible sellers
• Sales-based funding
• Lump-sum advances against expected marketplace revenue
• Qualification based partly on seller-account performance
• Connections to supported ecommerce marketplaces
• Payment and transfer tools

Payability states that it has facilitated billions of dollars in payments for thousands of marketplace sellers since its launch. Its payout model is based on receivables owed by marketplaces to participating merchants.

Payability is designed for:

• Amazon sellers
• Walmart Marketplace sellers
• Ecommerce brands with marketplace revenue
• High-volume merchants purchasing inventory frequently
• Sellers affected by marketplace payout schedules
• Businesses seeking capital based on marketplace performance

The platform may be relevant when a seller’s central cash flow challenge is the timing of Amazon, Walmart, or another supported marketplace payout.

This differs from Resolve Pay’s model. Resolve Pay evaluates business buyers and supports terms attached to B2B invoices, while Payability primarily works with revenue already generated through ecommerce marketplaces.

Why Resolve Pay Fits Invoice-Based B2B Commerce

For businesses selling directly to other businesses, payment flexibility must work for both sides of the transaction. Buyers may need time to receive, use, or resell goods before paying an invoice. Sellers need enough liquidity to replenish inventory, cover payroll, pay suppliers, and continue accepting orders.

Resolve Pay addresses this relationship by connecting:

• Buyer underwriting
• Credit-line management
• Net terms
• Seller advances
• Invoice delivery
• Payment acceptance
• Collections workflows
• Reconciliation
• ERP and accounting records

This creates a unified process from credit approval through final payment.

Resolve Pay also supports different sales channels. Terms may be incorporated into ecommerce checkout, marketplace transactions, traditional invoicing, field sales, or hybrid ordering workflows. This flexibility matters for suppliers that receive orders through multiple channels but want one consistent credit and receivables process.

The US Census E-Stats program tracks ecommerce activity across major sectors of the US economy. As more business purchasing moves through digital and hybrid channels, suppliers need payment systems that can support online ordering without disconnecting credit decisions from their broader finance operations.

Resolve Pay’s white-label approach also allows merchants to preserve their customer relationships. Buyers interact with a portal and payment experience connected to the seller’s brand, while Resolve Pay provides the underlying credit, payment, financing, and receivables infrastructure.

Choosing a Platform Based on the Payment Workflow

The appropriate platform depends on where delayed cash flow originates.

A marketplace operator coordinating payments between multiple participants may prioritize embedded checkout, APIs, and payment orchestration. Balance Payments is structured around those platform-oriented requirements.

An Amazon or Walmart seller waiting for marketplace disbursements may prioritize accelerated access to sales proceeds. Payability is built around this marketplace payout cycle.

An invoice-based B2B supplier may need to approve buyers, offer net terms, receive earlier payment, automate receivables, and connect transactions with an ERP or accounting platform. Resolve Pay brings these capabilities together in a platform designed around the B2B credit-to-cash lifecycle.

Final Verdict

Resolve Pay provides the most aligned solution for manufacturers, wholesalers, distributors, and other established B2B sellers that want to make net terms part of their growth strategy.

Its value comes from combining net terms financing, buyer credit workflows, non-recourse invoice advancement, payment acceptance, collections automation, and reconciliation. Instead of solving only the payment or funding stage, Resolve Pay connects the processes that occur before and after an invoice is issued.

Balance Payments serves platform businesses that need embedded payment infrastructure, while Payability supports ecommerce sellers seeking faster marketplace payouts. For invoice-based B2B businesses that want to offer buyers more flexibility without adding disconnected finance systems or carrying the full risk of approved transactions, Resolve Pay offers a purpose-built credit-to-cash platform.

Frequently Asked Questions

How Does Resolve Pay Differ From Traditional Invoice Factoring?

Resolve Pay is structured around buyer credit approval, net terms, payments, and AR automation rather than simply purchasing an existing invoice. It can advance funds on approved transactions, support a branded buyer experience, manage payment workflows, and automate receivables activity. Qualifying advances are non-recourse, subject to the seller’s agreement and transaction requirements.

How Quickly Can Resolve Pay Advance Funds?

Resolve Pay can provide advance payment on approved invoices after the required transaction information has been submitted and verified. Funding timing depends on approval status, banking processes, invoice details, and program configuration. Qualified sellers may receive funds within approximately one or two business days, while complex transactions can require additional review.

What Businesses Are a Good Fit for Resolve Pay?

Resolve Pay is designed for established B2B merchants, manufacturers, wholesalers, distributors, and suppliers that sell through invoices or business checkout workflows. It is particularly relevant for companies offering net terms, managing credit manually, experiencing cash flow pressure from unpaid invoices, or seeking integrated AR automation.

Does Resolve Pay Support Collections?

Yes. Resolve Pay supports automated invoice reminders, payment follow-up, collections workflows, and reconciliation. Its agentic AR capabilities can help coordinate outreach across configured communication channels. For qualifying non-recourse transactions, the seller retains the advance if an approved buyer defaults, subject to the applicable agreement and program requirements.

How Does Resolve Pay Integrate With Existing Systems?

Resolve Pay supports integrations with QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also provides API and webhook options for custom systems. Implementation scope and timing depend on the seller’s platforms, data structure, workflow complexity, and customization requirements.

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.