When B2B companies need to offer flexible payment terms while maintaining healthy cash flow, choosing the right payment platform becomes a strategic decision. Resolve Pay, Balance Payments, and Two support different B2B payment models. Balance Payments focuses on embedded checkout and payment infrastructure for platforms and marketplaces, while Two provides net terms infrastructure across Europe, the Nordic region, and selected North American markets. Resolve Pay combines B2B net terms, credit decisioning, invoice advancement, payment workflows, and accounts receivable automation for manufacturers, wholesalers, distributors, and other B2B sellers that want to grow without tying up working capital.
B2B sellers frequently offer payment terms because buyers need time to receive goods, complete internal approvals, and manage their own cash cycles. However, waiting 30, 60, or 90 days for payment can restrict the seller’s ability to replenish inventory, pay suppliers, hire employees, or pursue new orders.
The need for better credit and cash flow infrastructure remains significant. The Federal Reserve’s 2026 business survey found that many small employer firms continued to face sales, cost, and financing challenges. The Federal Reserve Payments Study also tracks the continued evolution of noncash payment activity across the United States.
Modern B2B payment platforms address these challenges through several approaches:
Resolve Pay brings several of these functions together. Its platform is designed to help sellers extend terms, evaluate buyers, receive advances on approved invoices, accept payments, automate reconciliation, and manage collections from one connected system.
Balance Payments primarily provides B2B payment and checkout infrastructure for platforms, marketplaces, and ecommerce businesses. Two provides B2B net terms infrastructure across online, direct-sales, marketplace, and in-store channels, with operations spanning Europe, the Nordic region, and North America.
Companies often compare Resolve Pay, Balance Payments, and Two when manual credit or receivables processes begin limiting growth. Common warning signs include:
Geography and operating model also influence the decision. A manufacturer selling through account representatives has different requirements from a global marketplace connecting multiple buyers and sellers. Similarly, an ecommerce platform embedding payment functionality may prioritize API flexibility, while a distributor may place greater value on invoice advancement and collections automation.
The Consumer Financial Protection Bureau’s small business lending resources emphasize the importance of transparent and accessible business credit markets. For B2B sellers, the relevant question is not simply whether credit is available, but how buyer credit can be offered without creating an unmanaged cash flow or collections burden.
Resolve Pay is a B2B payments and net terms platform designed for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce sellers. It combines embedded credit expertise, invoice financing, payment acceptance, and AR automation in one workflow.
Instead of requiring a seller to assemble separate tools for credit checks, financing, invoicing, payments, reconciliation, and collections, Resolve Pay connects these activities through a unified platform. Its supplier-focused structure helps businesses offer payment flexibility while preserving access to working capital.
Resolve Pay is particularly relevant for businesses that want to:
Resolve Pay’s B2B payments platform is designed to support invoices with net terms, cash on delivery, or payment due upon receipt. This broader invoice coverage allows finance teams to manage more of the credit-to-cash lifecycle within the same environment.
When a buyer requests terms, the seller can submit the buyer for a business credit check. Resolve Pay evaluates the application and establishes an eligible credit decision based on the buyer’s verified information and risk profile.
After an approved transaction is invoiced, the seller may request Advance Pay. Resolve Pay advances the applicable portion of the approved invoice while the buyer retains the agreed payment period. Resolve Pay can then support invoicing, payment reminders, collection activity, and reconciliation.
This structure changes the seller’s cash flow experience. Rather than waiting until the end of the buyer’s payment term, the seller can receive funds earlier and use that liquidity to support inventory, payroll, purchasing, and growth.
The non-recourse structure is also important. Resolve Pay assumes the approved credit risk under the program terms, allowing the seller to keep the advance if an approved buyer defaults. Resolve Pay describes this model as a modern factoring alternative built around buyer approvals and integrated credit-to-cash workflows rather than the conventional sale of existing receivables.
Resolve Pay offers financial system integrations for supported accounting, ERP, ecommerce, and payment environments. Listed connections include:
Resolve Pay also provides flexible APIs for proprietary order management systems, custom storefronts, internal procurement systems, and nonstandard ERP environments. Its custom integration tools can connect buyer credit, invoices, payments, collections, and reconciliation without requiring a business to replace its core systems.
Implementation requirements depend on the seller’s technology stack and desired workflow. A standard accounting or ecommerce connection may require less configuration than a custom, multi-entity deployment. Resolve Pay’s integration model is intended to minimize manual re-entry and keep records synchronized across systems.
Resolve Pay publishes customer stories across equipment, materials, wholesale, fire protection, and ecommerce markets. Examples include:
The platform is best aligned with established B2B sellers that invoice other businesses and want to use terms as a sales tool without building a larger internal credit and collections operation. Resolve Pay generally focuses on manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce merchants with meaningful recurring invoice volume.
Balance Payments provides embedded B2B payment infrastructure for technology platforms, marketplaces, and ecommerce businesses. Its approach centers on integrating payment and checkout functionality into an existing digital product.
Companies considering Balance Payments are typically seeking configurable payment infrastructure that can be incorporated into a marketplace or platform workflow. The implementation model is generally suited to organizations with product and development resources available to manage embedded payment experiences.
Balance Payments’ commonly promoted capabilities include:
Balance Payments is oriented toward platforms, marketplaces, and technology-led ecommerce businesses. These organizations may use its infrastructure to coordinate payment activity between buyers, sellers, and the platform itself.
Its API-first approach gives development teams control over how checkout and payment functionality appear inside their product. The scope and timeline of an implementation depend on the platform’s existing architecture, checkout requirements, transaction flows, and internal engineering capacity.
For a marketplace whose primary objective is embedding payment orchestration into a custom product, this model may be relevant. For a supplier whose priorities include invoice advancement, non-recourse buyer risk protection, and end-to-end receivables automation, Resolve Pay provides a more directly aligned operating model.
Two is a B2B payments infrastructure provider that supports merchants offering net terms across online, direct-sales, marketplace, and in-store channels. Although the company began with a strong Nordic and European presence, it now presents its services as supporting cross-border commerce across Europe and North America.
Two’s model combines credit decisioning, buyer onboarding, payment terms, seller settlement, invoicing, and fraud controls. It is designed for merchants and platforms that want to incorporate business purchasing terms across multiple sales channels.
Two’s online product allows merchants to offer terms while Two supports invoicing and payment administration. Its marketplace product similarly combines buyer terms, credit decisions, payment options, and fraud controls within a marketplace environment.
Two serves businesses across European and Nordic markets and has expanded its positioning to include Western Europe and North America. It supports international merchants, enterprise sellers, marketplaces, and businesses operating through several sales channels.
The company offers ecommerce plugins and developer resources for businesses integrating net terms into their existing checkout. Implementation requirements vary depending on whether the merchant needs a single online checkout connection or coordinated functionality across ecommerce, direct sales, marketplaces, and physical locations.
Two is therefore relevant to merchants seeking multichannel and cross-border net terms infrastructure. Resolve Pay remains particularly well aligned with North American suppliers that prioritize integrated receivables automation, advance payment on invoices, and non-recourse protection within their existing accounting and ERP workflows.
Resolve Pay’s main advantage is the combination of credit, financing, payments, and accounts receivable automation. Sellers can manage buyer approvals, invoice advancement, payment acceptance, reminders, collections, reconciliation, and system synchronization without maintaining a separate tool for each stage.
That unified model can reduce operational handoffs between sales, finance, credit, and collections teams. It also gives sellers a clearer view of buyer credit activity and outstanding receivables.
Many suppliers face a recurring tradeoff: require immediate payment and risk losing orders, or offer terms and wait weeks for cash. Resolve Pay is designed to remove that tension by allowing an approved buyer to retain payment terms while the seller receives an advance.
This can help sellers:
Resolve Pay’s non-recourse structure means approved buyer default risk is handled within the financing relationship, subject to program conditions. The seller does not need to arrange a separate credit insurance policy or build an internal underwriting operation for every approved transaction.
Credit decisions are also connected to invoicing and payment activity. This gives businesses a more consistent process than managing credit applications, approval records, invoices, and collection notes across unrelated systems.
Resolve Pay’s net terms management capabilities automate repetitive receivables tasks while keeping the seller’s customer experience central. Payment reminders, payment acceptance, reconciliation, and collection workflows can be managed through the platform.
This becomes more valuable as invoice volume grows. The latest Census ecommerce data continues to show expansion in digital commerce, reinforcing the need for payment and receivables systems that can scale alongside online transaction activity.
Resolve Pay, Balance Payments, and Two each support valid B2B payment use cases. Balance Payments is oriented toward platforms and marketplaces embedding configurable checkout infrastructure. Two supports multichannel and cross-border net terms commerce across Europe, the Nordic region, and North America.
Resolve Pay provides the strongest fit for B2B suppliers that want more than checkout functionality. It combines net terms financing, non-recourse protection, credit decisioning, invoice advancement, payments, collections, reconciliation, and ERP or ecommerce integration in one supplier-focused platform.
For manufacturers, wholesalers, distributors, and B2B ecommerce sellers seeking to accelerate cash flow while preserving buyer payment flexibility, Resolve Pay offers the most comprehensive value in this comparison.
Resolve Pay evaluates buyers and advances funds on approved invoices while managing the associated approved credit risk under its program terms. Sellers keep the advance if an approved buyer defaults. The platform also integrates credit decisions, invoicing, payments, reminders, collections, and reconciliation, making it a broader credit-to-cash solution rather than a standalone receivables purchase arrangement.
Resolve Pay can provide advance payment after an eligible buyer and invoice are approved, with timing determined by verification, transaction details, the seller’s agreement, and banking processes. This allows the seller to receive funds before the buyer’s Net 30, Net 60, or other approved payment period ends.
Resolve Pay supports integrations with platforms including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for businesses using custom ecommerce platforms, proprietary order management systems, or nonstandard ERP configurations.
Yes. Resolve Pay is designed to connect with existing accounting, ecommerce, ERP, and payment workflows. A business can add buyer credit, net terms, invoice advancement, AR automation, and reconciliation without necessarily replacing every existing payment method or financial system.
Resolve Pay is best suited for established B2B sellers, including manufacturers, distributors, wholesalers, suppliers, and ecommerce merchants. It is particularly relevant for businesses that offer invoices to other companies, want to extend payment terms, and need to improve cash flow without expanding internal credit and collections operations.
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.