Resolve Pay vs Behalf vs Apruve

Selecting the right B2B net terms financing platform directly impacts your cash flow, customer relationships, and operational efficiency. While Behalf and Apruve once competed in this space, the landscape has shifted dramatically. Behalf ceased operations in January 2023, and Apruve was acquired by TreviPay in December 2022.

Today, Resolve Pay stands as an active, independent platform delivering net terms financing, AI-powered credit decisions, and complete AR automation for mid-market B2B sellers. Understanding what each platform offered and where the market stands now helps manufacturers, distributors, and wholesalers choose a solution that will serve their business for years to come.

Key Takeaways

• Resolve Pay is the only platform in this comparison still operating independently, serving 15,000+ businesses with non-recourse net terms financing and complete AR automation
• Behalf ceased all operations in January 2023 after raising $325 million in total funding, leaving former customers searching for replacement solutions
• Apruve was acquired by TreviPay in December 2022 and no longer operates as an independent B2B payments platform
• Resolve Pay uses AI-driven underwriting to provide real-time decisions in some workflows, while more complex buyer reviews can require additional verification
• The platform advances up to 100% of invoice value within 1-2 business days while assuming all credit risk through non-recourse financing
• Resolve Pay earned a 5.0/5 G2 rating based on 17 reviews, with perfect 10/10 scores on key dimensions including partner quality, self-service portal, and accounting integration

Resolve Pay

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving immediate cash and offloading credit risk entirely. The platform combines net terms financing, AI-powered credit decisioning, accounts receivable automation, and agentic collections into a unified solution.

How Resolve Pay Works

The non-recourse financing model distinguishes Resolve Pay from traditional factoring. When a buyer is approved, Resolve Pay assumes 100% of the credit risk on that transaction. If the approved customer fails to pay, the seller keeps the advance with no obligation to repay. This shifts default risk entirely off the seller's balance sheet while maintaining consistent cash flow regardless of buyer payment behavior.

Key Capabilities

Resolve Pay delivers several integrated capabilities for B2B sellers:

• Instant Credit Decisions: The proprietary AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver sub-24 hour approvals, with instant decisions for many transactions
• Same-Day Funding: Sellers receive up to 100% of invoice value within 1-2 business days, converting 30-90 day receivables into immediate working capital
• Complete AR Automation: AI-powered invoice management, payment reconciliation, automated reminders, and real-time dashboards help reduce manual AR work
• Multi-Channel Collections: Automated sequences across email, SMS, and voice AI preserve customer relationships while reducing days sales outstanding
• White-Label Payment Portal: Branded buyer experience accepting ACH, wire transfer, credit card, and check payments under the seller's own brand

The platform integrates natively with major ecommerce systems including Shopify, BigCommerce, Magento, and WooCommerce, plus ERP solutions like QuickBooks, Xero, Sage Intacct, and NetSuite. The BigCommerce integration earned the 2025 Innovative Integration Award, recognizing the seamless B2B checkout experience it enables.

Customer Results

Resolve Pay customers report measurable improvements across key business metrics:

• Archipelago Lighting tripled revenue while receiving 20x higher credit line approvals and reducing approval time from 10 days to 24 hours
• Elston Materials improved margins from 25% to 30%, a 5-point increase through better cash flow management
• Trenchless Supply reported that work required from its team decreased by at least 90% after implementing its Resolve Pay integration
• SS&SI Dealer Network achieved 5x revenue growth through expanded net terms capabilities

Best For

Resolve Pay serves B2B sellers with $1M+ in annual revenue across manufacturing, wholesale distribution, and supply industries. The platform works especially well for HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers.

Behalf

Behalf's Historical Position

Behalf operated as a B2B financing platform from 2011 until ceasing operations in January 2023. The company raised approximately $325 million in total funding including a $100 million debt facility in 2021, making its sudden shutdown particularly notable in the fintech space.

During its operational period, Behalf offered buyer-focused financing that worked differently from seller-side platforms like Resolve Pay:

• Buyer-Side Financing: Business buyers applied for financing, Behalf paid the vendor, and the buyer repaid Behalf over time
• Flexible Payment Terms: Net 30 to Net 180 day options gave buyers extended time to pay
• Buyer-Friendly Applications: The onboarding process focused on ease of use for business buyers
• SMB Focus: The platform targeted small and medium-sized businesses rather than enterprise accounts

Behalf's Model Differences

Behalf's historical model differed from Resolve Pay's seller-focused net terms and AR approach:

• Credit Decisioning: Behalf offered rapid buyer financing decisions, with historical approval processes designed for smaller business purchases
• Primary Relationship: Business buyers applied for financing, and Behalf paid participating vendors directly
• Product Focus: The service centered on buyer purchase financing rather than an integrated seller-side AR automation platform
• Geographic Scope: Behalf primarily served US-based small businesses

What Behalf's Closure Means

The January 2023 shutdown left Behalf customers without a net terms financing partner and no transition pathway. Businesses that relied on Behalf for buyer financing needed to quickly find replacement solutions or return to manual credit management processes.

Apruve (Now TreviPay)

Apruve's Acquisition and Current Status

Apruve was acquired by TreviPay in December 2022 and no longer operates as an independent platform. TreviPay now provides its own global B2B payments, invoicing, credit, and order-to-cash capabilities for enterprise sellers.

Before the acquisition, Apruve provided:

• B2B Credit Management: Automated credit applications and decisioning for business buyers
• AR Automation: Invoice lifecycle management and payment processing
• Ecommerce Integrations: Connections to Magento, BigCommerce, and other platforms
• Net Terms Financing: Payment term options for approved buyers

TreviPay's Enterprise Focus

The TreviPay acquisition brought Apruve into a larger enterprise-focused B2B payments platform with operations across numerous international markets. The combined platform is designed for complex B2B payment, invoicing, and order-to-cash programs.

Key characteristics of TreviPay include:

• Global Scale: Operations across 32+ countries with multi-currency support
• Enterprise Infrastructure: 40+ years of operating history and Fortune 500 client experience
• Extended Implementation: TreviPay states that implementation timelines vary by project and integration complexity, with some launches possible in as little as six weeks while more complex deployments can take several months
• Custom Programs: Tailored payment structures for different markets or customer segments

For mid-market companies that previously used or considered Apruve, the acquisition means Apruve is no longer available as an independent platform. Resolve Pay remains focused on manufacturers, distributors, wholesalers, and other B2B sellers seeking integrated net terms and AR workflows.

Credit Decisioning Comparison

Understanding how each platform approaches credit evaluation reveals important differences in speed, methodology, and seller experience.

Resolve Pay Credit Decisioning

Resolve Pay's AI credit engine analyzes thousands of data points including payment history, cash flow patterns, and behavioral signals without impacting buyer credit scores through quiet credit checks. The system delivers decisions in seconds for many transactions, with sub-24 hour approvals standard even for complex evaluations. This speed enables sellers to close deals during active sales conversations rather than waiting days for credit approval.

Behalf Credit Decisioning

Behalf focused on evaluating business buyers for purchase financing. The platform designed its approval processes for smaller business purchases, with rapid decisions that allowed buyers to complete transactions quickly. Because Behalf operated on the buyer side, vendors received payment directly from Behalf once the buyer was approved, rather than managing the credit decision themselves.

TreviPay Credit Decisioning

TreviPay operates through enterprise underwriting processes appropriate for large-scale B2B operations. The platform offers thorough credit evaluation designed for complex buyer relationships across multiple markets and currencies.

AR Automation and Collections Comparison

How platforms handle ongoing receivables management significantly impacts seller workload and cash flow predictability.

Resolve Pay AR and Collections

Resolve Pay provides complete AR automation including invoice generation, smart payment reconciliation using machine learning, automated payment reminders, and real-time dashboards showing DSO, aging, and portfolio health.

The platform's agentic collections system uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system pauses automatically when payments or disputes are received and logs all interactions to invoice records. This automated approach preserves customer relationships while reducing DSO.

Behalf AR Approach

Because Behalf operated as buyer-side financing, participating vendors received payment directly from Behalf once transactions were approved. This meant sellers didn't manage ongoing AR for Behalf-financed purchases. However, sellers still needed separate AR systems for non-Behalf transactions, requiring multiple tools rather than a unified receivables platform.

TreviPay AR Management

TreviPay provides AR lifecycle management capabilities within its broader trade credit management suite. The platform handles invoice processing, payment application, and reporting appropriate for enterprise scale. TreviPay offers guaranteed settlement and managed credit-risk programs, with some solutions using off-balance-sheet working-capital structures. Program terms, settlement schedules, and funding arrangements depend on the specific merchant implementation.

Integration Ecosystems

Platform integrations determine how seamlessly net terms capabilities connect with existing business systems.

Resolve Pay Integrations

Resolve Pay offers native integrations across the B2B technology stack:

Ecommerce Platforms:

• Shopify and Shopify Plus with embedded checkout
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2 with full B2B functionality
• WooCommerce for WordPress-based stores

ERP and Accounting Systems:

• QuickBooks Online with bidirectional sync
• Xero for real-time reconciliation
• Sage Intacct for mid-market accounting
• Oracle NetSuite for enterprise resource planning

API and Custom Integrations:

• REST API with webhooks for custom implementations
• Sandbox environment for development and testing
• Two-way data sync for invoice and payment information

Deployment timing varies by integration scope. Resolve Pay describes account setup as possible within days, while more involved deployments may take several weeks.

Behalf Integrations

Behalf supported connections to various ecommerce platforms and point-of-sale systems where business buyers made purchases. Because the platform focused on buyer financing rather than seller AR automation, integrations primarily facilitated the buyer application and approval process at checkout.

TreviPay Integrations

TreviPay supports enterprise ERP systems and major ecommerce platforms including Magento, BigCommerce, Miva, and Shift4Shop. The enterprise API enables custom integrations for complex deployment scenarios. More complex enterprise programs generally require additional implementation work across systems, workflows, and internal teams.

Why Resolve Pay Fits B2B Sellers

For manufacturers, distributors, wholesalers, and other mid-market B2B companies evaluating net terms platforms after Behalf's closure or Apruve's acquisition, Resolve Pay delivers an active, independently operated solution focused specifically on seller needs.

The platform combines several critical capabilities into one system:

• Non-recourse protection that removes credit risk from the seller's balance sheet entirely
• AI-powered credit decisions that enable real-time approvals during sales conversations
• Complete AR automation that reduces manual receivables work through intelligent invoice management, reconciliation, and collections
• Native integrations with major ecommerce and ERP platforms for fast deployment

Resolve Pay serves B2B sellers with $1M+ in annual revenue across manufacturing, wholesale distribution, and supply industries. The platform works especially well for companies that want to offer competitive payment terms while maintaining predictable cash flow, automating receivables workflows, and protecting against buyer default risk.

Whether you're replacing Behalf's buyer financing, seeking an alternative after Apruve's acquisition, or establishing net terms capabilities for the first time, Resolve Pay provides the credit decisioning, financing, AR automation, and payment infrastructure needed to compete effectively in B2B markets.

Frequently Asked Questions

What happened to Behalf and why did it shut down?

Behalf ceased all operations in January 2023 after 12 years in the market. Despite raising approximately $325 million in total funding including a $100 million debt facility in 2021, the company stopped operating without providing public explanation. Former Behalf customers needed to find replacement net terms financing solutions, with Resolve Pay serving as an alternative for B2B sellers.

Is Apruve still available as an independent platform?

No. Apruve was acquired by TreviPay in December 2022 and no longer operates as an independent platform. Businesses that previously used or considered Apruve can evaluate active platforms based on their current net terms, integration, AR automation, and implementation requirements. Resolve Pay remains focused on helping B2B sellers manage these workflows through one connected platform.

How does Resolve Pay's non-recourse financing protect sellers?

When Resolve Pay approves a buyer, the platform assumes 100% of the credit risk on that transaction. If the approved customer fails to pay, the seller keeps the advance with no obligation to repay. This differs from traditional factoring where sellers often retain liability for buyer defaults, shifting default risk entirely off the seller's balance sheet while providing immediate working capital.

Can Resolve Pay integrate with my existing accounting or ERP system?

Yes. Resolve Pay provides bidirectional integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also connects natively with Shopify, BigCommerce, Magento, and WooCommerce for ecommerce operations. The two-way sync helps automate invoice and payment reconciliation, reducing manual data entry and receivables administration.

What industries does Resolve Pay serve best?

Resolve Pay focuses on B2B sellers in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. The platform addresses the credit and AR challenges these sectors face when extending net terms to business buyers.

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.