Resolve Pay vs Balance Payments vs Playter: 2026 Comparison

B2B sellers often need to offer net terms without creating cash flow pressure, increasing bad debt exposure, or adding more manual accounts receivable work. Resolve Pay, Balance Payments, and Playter support business payment or financing workflows, but each serves a different operating model. Balance Payments focuses on embedded checkout and payment infrastructure for B2B marketplaces and digital platforms. Playter is a UK business lending platform owned by Shawbrook and provides credit lines, cash flow loans, and other funding products for established UK businesses. Resolve Pay is designed for manufacturers, wholesalers, distributors, and B2B ecommerce sellers that want to offer net terms financing, automate receivables, and receive advance payment on approved invoices through a non-recourse structure.

Key Takeaways

• Resolve Pay combines financing and AR automation: The platform connects buyer credit decisions, net terms, invoice advancement, payment processing, collections, and reconciliation in one workflow.
• Approved invoices can become cash faster: Resolve Pay can advance payment on approved invoices while buyers retain their agreed payment terms.
• Non-recourse financing reduces seller risk: Sellers keep eligible advances when approved buyers fail to pay, subject to Resolve Pay’s program terms.
• Resolve Pay supports existing finance systems: Its integration capabilities connect payment and receivables workflows with major accounting, ERP, and ecommerce platforms.
• Balance Payments serves platform-based commerce: Its infrastructure is oriented toward marketplaces and digital platforms that need embedded B2B checkout and payment orchestration.
• Playter serves the UK lending market: Following its acquisition by Shawbrook, Playter operates as a technology-enabled business lending platform for UK SMEs.

Understanding Each Platform’s Market Position

Resolve Pay positions itself as an integrated B2B payments, net terms, and accounts receivable platform. It supports the credit-to-cash process by combining credit assessment, invoice advancement, payment acceptance, collections workflows, and bookkeeping synchronization. The platform is used by more than 15,000 businesses and is primarily designed for manufacturers, distributors, wholesalers, and other established B2B sellers.

Resolve Pay enables eligible merchants to offer payment terms such as Net 30, Net 60, Net 90, or customized arrangements. Approved sellers may receive an advance on eligible invoices rather than waiting for the buyer’s payment deadline. Its non-recourse structure helps protect the seller from approved buyer default risk, subject to the applicable program requirements.

Balance Payments serves a different part of the B2B commerce market. Its infrastructure is designed for marketplaces, ecommerce platforms, and software companies that want to embed payment and financing experiences into their own products. Its API-oriented approach supports checkout, payment processing, credit workflows, vendor payments, and reconciliation across platform-based transactions.

Playter is a UK business lending platform founded in 2021. Shawbrook acquired Playter in December 2025 and subsequently expanded the brand’s role within its unsecured business lending operations. Playter now supports products such as short-term cash flow loans, credit lines, term loans, and specialized business finance through technology-assisted credit assessment and broker workflows.

The core distinction is therefore based on the customer and workflow each platform serves:

• Resolve Pay focuses on supplier-side net terms, advance payment, and accounts receivable automation.
• Balance Payments focuses on embedded B2B payment infrastructure for marketplaces and platforms.
• Playter focuses on unsecured business lending for UK SMEs.

1. Resolve Pay for Integrated B2B Payments and Financing

Integrations

Resolve Pay supports connections with QuickBooks Online, Xero, NetSuite, Sage Intacct, Magento, BigCommerce, Shopify, WooCommerce, and other commerce or accounting systems. Businesses with custom order management, procurement, or ecommerce environments can also use Resolve Pay’s API.

Best Fit

Resolve Pay is designed for established B2B manufacturers, distributors, wholesalers, and ecommerce sellers that want to offer flexible payment terms while improving cash flow and reducing receivables administration.

Key Features

• AI-assisted buyer credit assessment and credit decisions
• Net 30, Net 60, Net 90, and customized payment terms
• Non-recourse advances on approved invoices
• Automated invoice creation and management
• Payment reminders and collections workflows
• Automated invoice-to-payment reconciliation
• Branded buyer payment portals
• ACH, card, wire, and check acceptance
• Accounting, ERP, ecommerce, and API integrations
• Centralized credit and accounts receivable reporting

Resolve Pay evaluates business information and behavioral signals to support credit decisions. For discreet preliminary reviews, sellers can request a business credit check using a buyer’s company name and address. Final decisions and credit limits remain subject to buyer verification and Resolve Pay’s underwriting requirements.

On approved invoices, Resolve Pay may provide advance payment while the buyer retains the agreed payment window. Available advance percentages vary according to the merchant, buyer, transaction, and program structure. This arrangement helps suppliers convert receivables into working capital without waiting through the full invoice term.

Resolve Pay also supports invoices that are not financed. Its AR platform can manage net terms, cash-on-delivery invoices, and invoices due upon receipt. This makes it possible for a finance team to coordinate multiple invoice structures within the same system.

Accounts Receivable Automation

Resolve Pay’s AR automation platform is designed to replace disconnected manual processes across credit, invoicing, collections, payments, and reconciliation.

Automated workflows can help finance teams:

• Import customer and invoice data from connected systems
• Send invoices and payment reminders
• Accept payments through a branded portal
• Match incoming payments with open invoices
• Synchronize transaction records with accounting software
• Track credit exposure and payment status
• Escalate overdue accounts through structured collections workflows

Resolve Pay combines automation with human support where appropriate. Its AI agents can manage repetitive payment reminders and collections tasks, while more complex disputes or account issues can be escalated for review.

Seller Cash Flow and Credit Risk

Offering net terms directly can require a supplier to use its own working capital while assuming responsibility for underwriting, monitoring, and collecting from buyers. Resolve Pay helps separate the buyer’s payment schedule from the seller’s cash receipt.

Under an eligible non-recourse arrangement, Resolve Pay assumes the approved credit risk associated with an advanced invoice. The seller retains the eligible advance if the approved buyer later defaults, subject to the agreement and transaction requirements.

This structure is particularly relevant for businesses that want to use net terms as a sales tool but do not want to build a larger internal credit and collections department. It also provides a modern factoring alternative centered on buyer approvals and integrated payment workflows rather than relying only on the sale of existing receivables.

Implementation and Integrations

Resolve Pay offers several implementation paths:

• Native ecommerce extensions
• Accounting and ERP connections
• API-based embedded workflows
• Manual invoice uploads
• Customized integrations for proprietary systems

Its financial stack integrations can automatically import customer information and invoice data, reducing duplicate entry between Resolve Pay and the seller’s existing systems. Payment and reconciliation information can then be returned to the accounting environment to maintain a consistent system of record.

The appropriate implementation timeline depends on the merchant’s systems and workflow complexity. A standard ecommerce or accounting connection may be deployed relatively quickly, while customized ERP or API projects require additional configuration and testing.

2. Balance Payments

Balance Payments provides B2B payment infrastructure for marketplaces, ecommerce platforms, and software businesses. Its technology is intended for companies that want to incorporate payment, checkout, credit, and vendor settlement functionality into their own customer experience.

Key Features

• Embedded B2B checkout workflows
• Buyer payment and financing options
• API-based payment orchestration
• Marketplace vendor payment support
• Invoice and order reconciliation
• Payment collection workflows
• Developer tools for customized implementations
• Support for multi-party platform transactions

Balance Payments is most relevant when a marketplace or digital platform needs to coordinate transactions among buyers, sellers, and platform operators. The implementation is typically shaped around the platform’s own checkout experience, vendor network, and technical architecture.

Its API-oriented model provides flexibility for businesses building a customized commerce environment. The platform may therefore be evaluated based on technical requirements such as transaction routing, embedded checkout design, vendor disbursement, reconciliation, and developer resources.

Resolve Pay has a different primary use case. It is built around the needs of B2B suppliers that want to extend buyer terms, receive advance payment on eligible invoices, and automate their own credit-to-cash processes.

3. Playter

Playter is a UK-based business lending platform owned by Shawbrook. It uses technology-assisted workflows to help brokers and established SMEs apply for business funding.

Key Features

• Short-term cash flow loans
• Business credit lines
• Term lending for investment and growth
• Broker-assisted funding applications
• AI-assisted credit assessment
• Proprietary application and underwriting workflows
• Funding products designed for UK SMEs

Playter’s Ari broker hub helps commercial finance brokers assess client credit profiles and submit applications. The platform’s current positioning reflects its integration into Shawbrook’s broader UK business lending operations.

Playter is therefore more comparable to a technology-enabled business lender than to a supplier-side accounts receivable platform. Its products provide borrowing capacity directly to eligible businesses for working capital, investment, recruitment, expansion, and other commercial needs.

Resolve Pay addresses a different financial workflow. Rather than primarily providing a general-purpose business loan, Resolve Pay helps sellers offer payment terms to their customers and receive payment on approved invoices. It also manages related invoicing, payments, reminders, collections, and accounting synchronization.

Why Resolve Pay Aligns With US B2B Suppliers

US manufacturers, wholesalers, distributors, and ecommerce sellers often need a solution that fits the way trade credit already operates within their businesses. They may receive orders through sales representatives, ecommerce websites, purchase orders, email, marketplaces, or a combination of channels.

Resolve Pay is designed to support these hybrid B2B sales environments.

Flexible Terms Across Sales Channels

Resolve Pay can embed B2B payment workflows into online checkout, offline invoicing, field sales, or customized order processes. Buyers can apply for payment terms, receive an appropriate credit decision, and complete purchases without forcing the supplier to manage the entire credit process internally.

Advance Payment on Approved Invoices

Eligible merchants can receive an advance on approved invoices while their customers continue to pay according to the agreed terms. This helps the seller maintain access to working capital for inventory, payroll, purchasing, and operating expenses.

Resolve Pay commonly describes this benefit as helping sellers get paid in one day instead of waiting through a longer invoice term. Actual timing depends on approval, invoice verification, transaction requirements, and banking processes.

Integrated Credit-to-Cash Workflows

Resolve Pay connects several functions that businesses might otherwise manage through separate systems:

1. Buyer credit assessment
2. Credit limit management
3. Net terms checkout or invoicing
4. Invoice advancement
5. Payment acceptance
6. Payment reminders
7. Collections support
8. Reconciliation and bookkeeping synchronization

This integrated design gives sales, finance, credit, and accounts receivable teams access to a more coordinated workflow.

Branded Buyer Experience

Resolve Pay provides white-label and branded payment experiences that allow the merchant to maintain its customer relationship. Buyers can view invoices and submit payments through a portal that supports ACH, card, wire, or check.

This is important for suppliers that want to modernize the payment process without introducing a disconnected buyer experience. Resolve Pay remains embedded in the seller’s credit and payment workflows while the seller’s brand stays visible to the customer.

Support for Established B2B Businesses

Resolve Pay is generally designed for established B2B merchants rather than consumer transactions or early-stage companies seeking a general business loan. Eligibility, advance availability, and credit decisions depend on the seller’s business profile, buyer quality, invoice characteristics, and underwriting review.

Manufacturers and distributors can use Resolve Pay to support recurring customer accounts, seasonal purchasing, large orders, and ecommerce transactions. Its net terms management capabilities can also help businesses standardize credit approvals and receivables workflows as order volume increases.

Final Verdict: Resolve Pay Connects Net Terms With Cash Flow

Resolve Pay, Balance Payments, and Playter serve distinct areas of business payments and finance.

Balance Payments provides embedded payment infrastructure for marketplaces and platforms. Playter operates as a Shawbrook-owned lending platform for established UK SMEs. Resolve Pay is built for B2B sellers that want to offer customers flexible payment terms while improving cash flow, reducing approved credit risk, and automating accounts receivable.

For manufacturers, wholesalers, distributors, and B2B ecommerce sellers, Resolve Pay’s main advantage is the way it connects buyer credit decisions, invoice advancement, payment processing, collections, and reconciliation in a single platform.

This structure helps sellers use net terms as a growth tool without requiring the finance team to manually manage every stage of the credit-to-cash cycle. Businesses can preserve buyer flexibility, receive payment faster on eligible invoices, and maintain visibility across credit and receivables workflows.

Organizations evaluating a platform can review how Resolve Pay’s net terms solution, AR automation, payment portal, and integrations fit their current sales, finance, accounting, and ecommerce systems.

Frequently Asked Questions

How Does Resolve Pay Differ From Traditional Invoice Factoring?

Resolve Pay is a modern alternative to factoring that connects buyer credit approval, net terms, invoice advancement, payments, collections, and reconciliation. Approved invoices may qualify for non-recourse advance payment, allowing the seller to receive funds while the buyer retains the agreed payment term. Available advance amounts and eligibility depend on underwriting and program requirements.

How Quickly Can a Seller Receive Payment Through Resolve Pay?

Resolve Pay can provide payment on eligible approved invoices shortly after invoicing and verification, often within one or two business days. Exact timing depends on the seller’s account, buyer approval, invoice details, banking processes, and whether any additional documentation is required.

Which Payment Methods Does Resolve Pay Support?

Buyers can pay through ACH, credit card, wire transfer, or check using a branded payment portal. Available methods may depend on the merchant’s setup and the specific transaction. Resolve Pay can also synchronize payment records with connected accounting or ERP systems.

Does Resolve Pay Handle Collections?

Yes. Resolve Pay supports automated payment reminders, collections workflows, payment tracking, and escalation processes. AI agents can manage repetitive follow-up tasks, while more complex account issues may receive human support. The platform is designed to improve collections consistency without weakening the seller’s customer relationships.

What Systems Can Resolve Pay Integrate With?

Resolve Pay supports accounting, ERP, and ecommerce systems including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for proprietary commerce, order management, procurement, and finance environments.

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.