When B2B companies need to improve cash flow while offering flexible payment terms, selecting the right payment platform becomes a business-critical decision. Resolve Pay, Balance Payments, and Settle address different parts of the B2B financial workflow. Balance Payments focuses on payment infrastructure for B2B commerce, while Settle supports purchasing, accounts payable, vendor payments, and working capital for inventory-based brands. Resolve Pay combines net terms financing, credit underwriting, invoice advancement, payments, collections, and accounts receivable automation for B2B sellers that want to extend terms without waiting through long collection cycles or taking on unnecessary credit risk.
Businesses evaluate B2B payment platforms when cash flow, payment flexibility, or operational efficiency begins limiting growth. Seller-led businesses often want to offer terms to win larger orders and strengthen buyer relationships, but they may not want to wait 30, 60, or 90 days for payment or manage every collection task manually.
Modern platforms can connect credit checks, invoicing, payment acceptance, follow-up, and accounting reconciliation. Instead of treating each activity as a separate finance task, an integrated system can help sellers manage the credit-to-cash process through coordinated workflows.
The platforms in this comparison serve different primary needs:
Payment speed and payment management remain important concerns as documented in Federal Reserve payment research. The right platform therefore depends on whether a business primarily needs to collect customer payments, operate embedded commerce workflows, or manage payments to its own vendors.
Resolve Pay connects with QuickBooks Online, Xero, Oracle NetSuite, Sage Intacct, Magento 2, BigCommerce, Shopify, WooCommerce, and supported API-based implementations.
Resolve Pay is designed for established US B2B sellers that want to offer net terms, accelerate cash flow, automate accounts receivable, and reduce exposure to buyer non-payment.
Resolve Pay helps suppliers extend payment terms while receiving advance payment on approved invoices. Through one platform, sellers can coordinate buyer credit decisions, invoice advancement, payment processing, collections, reconciliation, and customer payment experiences.
The platform addresses a central challenge in B2B commerce: buyers may expect flexible terms, but sellers still need predictable access to cash. Resolve Pay can provide an advance on an eligible invoice while allowing the approved buyer to pay according to the assigned terms.
Resolve Pay also supports net terms at checkout for compatible ecommerce implementations. Eligible buyers can apply for credit and select terms within the merchant’s purchasing experience instead of completing a disconnected manual application.
BigCommerce recognized Resolve Pay with its 2025 Innovative Integration Award for an integration designed to support B2B net terms and payment workflows within BigCommerce.
Resolve Pay combines multiple seller-side financial workflows in one system. Sales teams can offer terms, finance teams can monitor receivables, buyers can use a branded payment experience, and accounting teams can reconcile supported transactions without relying on a collection of disconnected tools.
Its non-recourse structure is particularly relevant for sellers that want to use terms as a sales tool without retaining the full non-payment risk on approved invoices. When an eligible advance is non-recourse, the merchant keeps the advanced funds if the approved buyer later defaults, provided the invoice remains valid and undisputed.
The platform also helps businesses use payment terms without creating the same cash flow delay that comes with self-funded trade credit. Through invoice advance payments, sellers can access funds sooner while approved buyers retain time to pay.
Resolve Pay customer stories demonstrate how net terms can support expansion across different B2B industries. For example, SS&SI reported substantial growth after expanding its credit program, while other merchants have used Resolve Pay to increase purchasing flexibility and improve receivables timing.
Resolve Pay is well suited to:
Resolve Pay generally works best for established B2B companies with at least $1 million in annual B2B revenue. Eligibility, buyer approvals, credit limits, and advance structures remain subject to underwriting and verification.
Balance Payments provides infrastructure for B2B payment and commerce experiences. Its technology can support payment processing, invoicing, buyer checkout flows, and customized payment implementations.
The platform is relevant to companies building B2B commerce experiences that require payment functionality to be embedded into an existing marketplace, platform, or digital purchasing workflow.
Balance Payments is oriented toward businesses that need payment infrastructure for marketplaces, platforms, or customized B2B commerce environments. It may be evaluated by organizations whose primary requirement is embedding payment capabilities into a broader product or transaction flow.
Settle focuses on purchasing, accounts payable, vendor payments, and working capital for ecommerce, consumer packaged goods, and other inventory-based businesses. Its primary workflows are built around money leaving the business rather than collecting receivables from customers.
The platform combines purchasing and financial operations so brands can organize purchase orders, bills, approvals, goods received, and supplier payments.
Settle is designed for ecommerce and CPG brands that need to coordinate procurement, inventory purchasing, vendor payments, and working capital. It is particularly relevant when a company’s main objective is improving the procure-to-pay process and gaining better visibility into purchasing obligations.
Resolve Pay, Balance Payments, and Settle should not be viewed as identical products because their primary workflows differ.
Resolve Pay centers on transactions in which a seller invoices a business buyer. It helps the seller:
This model is designed to help sellers increase buyer purchasing power while maintaining access to working capital.
Balance Payments centers on payment infrastructure that can be incorporated into B2B commerce experiences. Its use cases include payment acceptance, invoicing, checkout, and customized platform implementations.
Settle centers on a company’s purchasing and vendor-payment operations. It helps inventory businesses organize procurement, match purchasing documents, approve bills, pay suppliers, and manage working capital.
These differences make the intended workflow the most important selection factor. A seller offering Net 30 terms has different requirements from a marketplace embedding payment acceptance or an ecommerce brand paying overseas inventory suppliers.
US-based B2B sellers often need to offer terms without creating long cash conversion cycles or significantly expanding their internal credit and collections teams. Resolve Pay addresses these requirements by combining liquidity, risk management, payment acceptance, and receivables automation.
Through managed net terms, approved sellers can receive advance payment instead of waiting for buyers to reach the end of their payment period. Eligible invoices may receive advances of up to 90%, with funds generally delivered within approximately one business day.
This arrangement can help sellers:
Resolve Pay’s non-recourse model transfers the approved invoice’s buyer non-payment risk to Resolve Pay, subject to the applicable agreement and invoice requirements. The merchant retains the advance if an approved buyer defaults on a valid, non-disputed invoice.
This structure allows sellers to offer terms without handling the transaction exactly like conventional recourse factoring or an internally managed credit program.
Resolve Pay supports the receivables lifecycle from credit evaluation through payment reconciliation. Its automation can coordinate:
Through the seller payment platform, teams can manage more of these activities through a centralized system rather than maintaining separate credit, payment, and collections processes.
Resolve Pay can be incorporated into supported ecommerce checkout flows so eligible buyers can apply for terms as part of the purchasing process. A branded payment portal then gives buyers a consistent place to review invoices and submit payments.
This embedded model supports the broader shift toward digital B2B purchasing shown in US ecommerce data. It also helps merchants preserve their customer relationships because the experience can remain aligned with the seller’s brand.
Resolve Pay supports connections with major ecommerce, ERP, and accounting systems. Customer information, invoices, transaction records, and payment updates can sync across supported integrations, reducing duplicate entry and improving financial visibility.
Its integration options include:
Businesses evaluating credit workflows should also consider the importance of transparent underwriting and responsible access to financing. The CFPB lending resources provide additional context on the small-business credit market and data collection requirements.
Resolve Pay, Balance Payments, and Settle support different financial workflows. Balance Payments focuses on B2B payment infrastructure, while Settle focuses on purchasing, accounts payable, vendor payments, and inventory-related working capital.
Resolve Pay is the most directly aligned option for established B2B manufacturers, wholesalers, distributors, and ecommerce sellers that want to offer invoice-based terms while improving cash flow. Its combination of credit decisioning, non-recourse invoice advancement, payment acceptance, collections, AR automation, and financial-system integration creates a coordinated seller-side platform.
For businesses that want to offer Net 30, Net 60, Net 90, or customized terms without waiting through the full collection period, Resolve Pay provides a practical way to increase buyer purchasing power, protect cash flow, and manage the credit-to-cash process through one system.
Resolve Pay is a modern net terms and accounts receivable platform rather than a conventional factoring service. Approved invoices may receive non-recourse advances, meaning the merchant retains the advanced funds if the verified buyer defaults on a valid, non-disputed invoice. Resolve Pay also combines credit evaluation, payment processing, collections, and reconciliation in one system.
Resolve Pay uses proprietary models, business information, financial data, behavioral signals, and human underwriting expertise to assess buyers. An initial evaluation may require only the buyer’s business name and address. Straightforward applications can receive quick decisions, while larger or more complex requests may require additional verification.
Yes. Resolve Pay supports integrations with QuickBooks Online, Oracle NetSuite, Sage Intacct, Xero, and several ecommerce platforms. Supported integrations can import customer and invoice data, sync transaction records, update payment status, and assist with reconciliation. Flexible APIs are available for businesses with customized financial or ecommerce systems.
Resolve Pay is designed for established B2B sellers, including manufacturers, distributors, wholesalers, construction suppliers, medical suppliers, and B2B ecommerce merchants. It is most relevant for companies that invoice business customers, offer payment terms, and want to accelerate cash flow while automating credit, payment, and collection workflows.
Resolve Pay can advance up to 90% of an eligible approved invoice, generally within approximately one business day, while the buyer pays according to the assigned terms. This allows the merchant to access working capital earlier instead of waiting 30, 60, or 90 days for the invoice to become due.
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.