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.
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.
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.
Resolve Pay delivers several integrated capabilities for B2B sellers:
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.
Resolve Pay customers report measurable improvements across key business metrics:
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 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:
Behalf's historical model differed from Resolve Pay's seller-focused net terms and AR approach:
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 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:
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:
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.
Understanding how each platform approaches credit evaluation reveals important differences in speed, methodology, and seller experience.
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 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 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.
How platforms handle ongoing receivables management significantly impacts seller workload and cash flow predictability.
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.
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 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.
Platform integrations determine how seamlessly net terms capabilities connect with existing business systems.
Resolve Pay offers native integrations across the B2B technology stack:
Ecommerce Platforms:
ERP and Accounting Systems:
API and Custom Integrations:
Deployment timing varies by integration scope. Resolve Pay describes account setup as possible within days, while more involved deployments may take several weeks.
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 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.
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:
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.
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.
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.
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.
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.
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.