Oct 01, 2026
Selecting the right B2B payment solution can determine whether your wholesale, distribution, or manufacturing business accelerates growth or struggles with cash flow constraints. While Behalf ceased operations in January 2023 and Billie primarily serves transactions involving buyers in supported European markets, Resolve Pay delivers comprehensive net terms financing combined with AR automation for U.S. and Canadian B2B sellers. Understanding these fundamental differences between defunct platforms, geography-specific solutions, and integrated payment systems helps mid-market suppliers select the approach that matches their operational requirements, risk tolerance, and growth objectives.
When B2B suppliers evaluate payment solutions for offering net terms to business buyers, understanding the landscape of available options becomes essential. Three names frequently appear in searches: Resolve Pay, Behalf, and Billie. However, these platforms represent fundamentally different approaches, market positions, and operational statuses.
This comparison examines how Resolve Pay serves North American B2B suppliers seeking to offer competitive payment terms while protecting cash flow and reducing credit risk.
Key Takeaways
- Resolve Pay serves 15,000+ businesses across the United States and Canada with non-recourse net terms financing, while Behalf ceased operations in January 2023 and Billie primarily supports B2B transactions involving buyers in supported European markets
- Resolve Pay provides non-recourse advances on eligible approved invoices, transferring covered buyer-default risk to Resolve Pay, while Behalf historically provided financing directly to business buyers who were responsible for repayment
- Resolve Pay's AI-powered credit engine can deliver near-instant decisions for qualifying buyers, with other applications receiving a decision within hours or within a business day
- Resolve Pay includes full AR automation with invoice generation, payment reminders, and reconciliation, significantly reducing manual AR workload
- Geographic coverage differs significantly: Resolve Pay covers U.S. and Canada, while Billie supports buyers across supported European markets through PSP integrations
- Resolve Pay integrates natively with QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento, providing direct ERP and ecommerce connectivity
Understanding B2B Payments and Buy Now Pay Later for Businesses
The B2B payments landscape has evolved significantly as suppliers recognize that offering net payment terms creates competitive advantages. Business buyers expect flexibility, and sellers who provide Net 30, 60, or 90 payment options typically win larger orders and build stronger customer relationships.
Three distinct approaches have emerged in this market:
Supplier-side financing platforms focus on helping sellers offer net terms while protecting their cash flow. These solutions advance invoice value to sellers immediately, manage credit risk, and handle collections. The seller maintains control over customer relationships while transferring financial risk to the platform.
Buyer-side financing models provide credit directly to business purchasers, allowing them to make purchases and pay over time. The financing relationship exists between the buyer and the financing company rather than flowing through the seller.
Checkout-embedded BNPL integrates payment options directly into ecommerce checkout flows through payment service providers. These solutions prioritize conversion optimization at the point of purchase.
Understanding which model fits your business depends on where you operate, who your customers are, and what level of operational support you need beyond basic financing.
Resolve Pay
Resolve Pay's Approach to B2B Net Terms and AR Automation
Resolve Pay operates as a comprehensive B2B payments platform designed specifically for manufacturers, distributors, and wholesalers in the United States and Canada. The platform combines net terms financing with full accounts receivable automation, creating an integrated solution that goes beyond simple invoice financing.
The core value proposition centers on enabling sellers to offer competitive Net 30, 60, or 90 payment terms to business buyers while receiving advance payment within 1-2 business days. This eliminates the traditional cash flow strain associated with extending credit to customers.
Non-recourse financing distinguishes Resolve Pay from traditional factoring and many competing solutions. When Resolve Pay approves a buyer and advances funds against an invoice, covered buyer-default risk transfers to Resolve Pay on eligible approved invoices. This risk transfer model allows sellers to extend terms confidently without building bad debt reserves.
The AI-powered credit engine evaluates thousands of buyer data points including:
- Cash flow trends
- Payment history patterns
- Behavioral signals
- Industry risk factors
Credit decisions can arrive nearly instantly for qualifying buyers, while applications requiring additional review may take longer. Quiet credit checks mean buyers are not notified and their credit scores are not impacted during the evaluation process.
AR Automation and Collections
Beyond financing, Resolve Pay provides complete accounts receivable automation that handles:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using ML to match payments to invoices automatically
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct for supported accounting, ERP, reconciliation, and receivables workflows
The agentic collections capability uses multi-channel automated sequences including email, SMS, and voice AI outbound calls. The system applies intelligent escalation based on buyer response patterns and payment history, pausing automatically when payment or dispute resolution occurs.
Customer results demonstrate the operational impact. Trenchless Supply significantly reduced AR workload while achieving credit approvals in under 24 hours. SS&SI Dealer Network achieved 5x revenue growth through the platform. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours.
Integration Ecosystem
Resolve Pay connects natively with major business systems:
- ERP Systems: QuickBooks Online, NetSuite, Xero, Sage Intacct
- Ecommerce Platforms: Shopify, BigCommerce, WooCommerce, Magento
- Payment Options: ACH, wire transfer, credit card, check through white-label buyer portal
The 2025 BigCommerce Innovative Integration Award recognizes Resolve Pay's embedded checkout capabilities. Implementation typically completes in hours to days rather than weeks, with native integrations eliminating the need for custom development.
Behalf
Behalf's Historical Position and Current Status
Behalf operated as a buyer-side B2B financing platform from 2011 until ceasing operations in January 2023. The company raised over $325 million in funding, including a $100 million debt facility in 2021, positioning it as a significant player in B2B financing.
The platform focused on providing financing directly to business buyers, allowing them to make purchases from vendors and pay over extended terms. This buyer-side model differed fundamentally from supplier-focused platforms like Resolve Pay.
Key characteristics of Behalf's former offering included:
- Extended payment terms up to 150 days
- Buyer-side financing model where approved businesses borrowed to pay vendors
- U.S. market focus targeting small business purchases
- Manual underwriting processes that took days to weeks
Behalf's Closure in the Current Market
Behalf ceased operations in January 2023, so it is included here as a historical reference rather than a currently available payment platform.
Its former buyer-financing model differed from Resolve Pay's seller-focused approach. Resolve Pay combines net terms financing for eligible approved invoices with credit decisioning, accounts receivable automation, payment workflows, and collections support.
Businesses evaluating a current North American solution can review Resolve Pay's net terms platform for seller-focused financing and receivables workflows.
Billie
Billie's European B2B BNPL Focus
Billie operates as a B2B buy now, pay later provider focused primarily on transactions involving buyers in supported European markets. The company, founded in 2016 and headquartered in Berlin, raised over $100 million in Series C funding at a $640 million valuation in 2021.
The platform reports serving more than one million business buyers and thousands of active merchants, with availability across supported European buyer markets. Geographic coverage includes Germany, Austria, France, Netherlands, Sweden, UK, Switzerland, Norway, and Denmark.
Billie's approach differs from Resolve Pay:
Checkout-embedded model: Billie integrates through major payment service providers including Stripe, Adyen, Klarna, and Mollie. Merchants enable Billie through their existing PSP dashboard rather than through direct integration.
Real-time checkout decisions: The platform provides instant credit approvals at the point of purchase, optimizing for conversion rather than deeper credit analysis.
Merchant settlement: Billie pays merchants upfront upon shipment and handles buyer collections, offering risk coverage on approved transactions.
Payment terms: Standard Net 30 terms with some partnerships extending to 120 days through arrangements like the BNP Paribas partnership.
Billie's Operational Characteristics
Billie reports strong acceptance performance for eligible transactions in its supported markets.
Customer feedback on TrustPilot UK shows a 4.3/5 rating, though reviews primarily reflect buyer experiences rather than merchant satisfaction. Common themes include multiple payment reminder communications and account management processes.
The PSP-dependent distribution model enables rapid merchant activation but creates dependency on third-party platforms for implementation and support.
Comparing Net Terms and Financing Approaches
Risk Models and Cash Flow Impact
The fundamental difference between Resolve Pay and alternatives lies in how credit risk flows through each transaction:
Resolve Pay:
- Seller offers net terms to buyer
- Resolve Pay evaluates buyer creditworthiness
- Upon approval, Resolve Pay can advance funds against eligible invoices within 1-2 business days
- Resolve Pay assumes covered buyer-default risk on eligible approved invoices
- Seller receives remaining balance when buyer pays
Behalf (Buyer Financing, Now Defunct):
- Buyer applied for financing to make purchases
- Behalf provided financing directly to the business buyer
- Vendor received payment through the transaction
- Buyer was responsible for repayment under its financing agreement
- Platform is no longer operational
Billie (European Buyer Focus):
- Buyer selects Billie at checkout
- Real-time credit decision at point of purchase
- Merchant receives upfront payment upon shipment
- Billie handles collection and assumes risk on approved transactions
- Primarily supports transactions involving buyers in supported European markets
For U.S. and Canadian sellers, Resolve Pay provides non-recourse protection on eligible approved transactions. The non-recourse structure reduces seller exposure to covered buyer-default risk.
Advance Rates and Funding Speed
Cash flow improvement depends on both how much sellers receive upfront and how quickly funds arrive:
Resolve Pay:
- Advance amounts determined through Resolve Pay's underwriting process
- Funding speed: 1-2 business days
- Remaining balance released when buyer pays
Behalf:
- Not applicable (ceased operations)
- Former model paid sellers at purchase, not through advances
Billie:
- Merchant receives full payment upon shipment confirmation
- Settlement timing depends on PSP processing
Resolve Pay's variable advance amounts allow sellers to optimize between immediate cash needs and transaction costs.
Streamlining Accounts Receivable with B2B Payment Platforms
AR Automation Capabilities
Effective B2B payment platforms should reduce operational burden, not just provide financing. The scope of AR automation varies significantly across these three platforms:
Resolve Pay AR Automation:
- Automated invoice generation synced from ERP systems
- Smart payment reconciliation using ML matching
- Real-time AR dashboard with DSO tracking
- Automated bookkeeping sync to accounting systems
- Customers report substantial reductions in manual AR work
Behalf AR Capabilities:
- No AR automation features
- Buyer-focused model did not address seller receivables management
Billie AR Features:
- Collections handled by Billie for approved transactions
- Limited visibility and control for merchants
- No invoice management or ERP synchronization
For sellers managing significant accounts receivable volumes, Resolve Pay's integrated approach eliminates the need for separate AR software while providing financing. The platform handles the complete order-to-cash workflow rather than just the financing component.
Collections Management
Late payments and collections represent significant operational costs for B2B sellers. Each platform approaches collections differently:
Resolve Pay Agentic Collections:
- Multi-channel sequences: email, SMS, voice AI calls
- Intelligent escalation based on payment history
- Configurable thresholds (Day 1 email, Day 7 SMS, Day 14 call)
- Automatic pause when payment or dispute received
- Professional tone preserving customer relationships
Behalf Collections:
- Not applicable (service discontinued)
- Borrowers were responsible for repayment directly to Behalf
Billie Collections:
- Automated payment reminders
- Billie handles collection activities
- Merchant has reduced direct control over customer communication
Resolve Pay's seller-side model maintains the supplier's relationship with their customer throughout the collections process. The white-label approach means buyers interact with the seller's brand, not a third-party financing company.
Integration and Implementation Comparison
ERP and Accounting Connectivity
Seamless data flow between payment platforms and business systems determines operational efficiency. The three platforms offer different integration approaches:
Resolve Pay Integrations:
- QuickBooks Online (native sync)
- NetSuite (enterprise connectivity)
- Xero (automated reconciliation)
- Sage Intacct (ERP integration)
- API available for custom integrations
Behalf Integrations:
- Limited integration capabilities when operational
- No documented ERP sync features
Billie Integrations:
- Connects through PSP layer (Stripe, Adyen)
- Merchant reporting through PSP dashboards
- No direct ERP synchronization
For businesses running sophisticated accounting systems, Resolve Pay's native ERP connections eliminate manual data entry and reconciliation. Distributors can integrate AR directly with NetSuite, maintaining a single source of truth for financial data.
Ecommerce Platform Support
B2B sellers increasingly operate online storefronts alongside traditional sales channels. Platform support varies:
Resolve Pay Ecommerce:
- Shopify integration with net terms at checkout
- BigCommerce native app (2025 Innovation Award)
- WooCommerce plugin
- Magento 2 extension
Behalf Ecommerce:
- No ecommerce integrations were available
Billie Ecommerce:
- Available through Stripe-connected stores
- Adyen merchant access
- Requires PSP intermediary
Resolve Pay's direct platform integrations allow sellers to offer net terms at checkout without building custom solutions or depending on PSP configurations. The white-label experience maintains brand consistency throughout the buyer journey.
Geographic Coverage and Market Focus
Understanding Regional Availability
Perhaps the most significant differentiator among these platforms is geographic coverage:
Resolve Pay:
- United States (primary market)
- Canada (supported)
- Deep expertise in North American B2B underwriting
- Security and risk controls designed for B2B payment and receivables workflows
Behalf:
- United States only (when operational)
- Service discontinued January 2023
- No current availability
Billie:
- Supports buyers across supported European markets, with availability varying by payment-service-provider integration
- Merchants in multiple regions can access Billie through supported PSP partnerships when selling to eligible European buyers
- Pan-European buyer focus through PSP partnerships
Resolve Pay and Billie have different geographic focuses. Resolve Pay is designed for B2B sellers in the United States and Canada, while Billie primarily enables payment terms for eligible buyers in supported European markets through PSP partnerships.
Industry Specialization
Resolve Pay focuses on specific B2B verticals where net terms create competitive advantage:
- HVAC parts distribution
- Electrical and plumbing supplies
- Industrial fasteners and hardware
- Safety equipment and PPE
- Building materials
- Medical device distribution
- Pharmaceutical distribution
- Laboratory supplies
This industry focus enables specialized underwriting models and workflow configurations that generic financing platforms cannot match.
Why Resolve Pay Fits North American B2B Sellers
Where Resolve Pay Fits
Resolve Pay serves as the optimal choice when your business:
- Sells B2B products in the United States or Canada
- Wants to offer net terms while reducing covered buyer-default risk through non-recourse financing
- Needs comprehensive AR automation beyond just financing
- Requires fast advances on approved invoices (1-2 business days)
- Operates on QuickBooks, NetSuite, Xero, or Sage Intacct
- Runs B2B ecommerce on Shopify, BigCommerce, WooCommerce, or Magento
- Serves manufacturing, wholesale, or distribution industries
The platform's combination of financing, AR automation, and collections management creates operational value that standalone financing solutions cannot replicate.
Resolve Pay for B2B Net Terms and AR
Resolve Pay is designed for B2B sellers in the United States and Canada that want to combine net terms with receivables automation in one workflow.
The platform brings together:
- Non-recourse advances on eligible approved invoices
- AI-supported business credit decisioning
- Accounts receivable automation
- Payment reconciliation and collections workflows
- ERP, accounting, ecommerce, and API integrations
Behalf is included in this comparison only as a historical buyer-financing platform because it ceased operations in January 2023. Billie focuses primarily on eligible buyers in supported European markets through payment-service-provider partnerships.
For U.S. and Canadian B2B sellers seeking to expand sales through net terms, Resolve Pay brings financing, credit management, AR automation, payments, and collections into one B2B-focused platform.
Frequently Asked Questions
Who is Resolve Pay designed for?
Resolve Pay is designed primarily for B2B manufacturers, distributors, wholesalers, and other sellers that want to offer payment terms while improving cash flow and reducing manual receivables work. The platform supports credit decisioning, net terms, AR automation, payments, reconciliation, and collections workflows for businesses operating in the United States and Canada.
How does non-recourse financing differ from traditional factoring?
Non-recourse financing means the financing provider assumes covered buyer-default risk on approved invoices. If an approved buyer fails to pay on eligible transactions, the seller does not bear the covered loss. Traditional factoring often operates on a recourse basis, where the seller must buy back unpaid invoices. Resolve Pay offers non-recourse financing on eligible approved transactions.
What ERP and ecommerce platforms does Resolve Pay integrate with?
Resolve Pay supports integrations with systems including QuickBooks Online, NetSuite, Xero, and Sage Intacct, as well as ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento 2. Resolve Pay also provides APIs for custom integrations. Integration capabilities vary by platform and support different accounting, receivables, and reconciliation workflows.
How quickly can Resolve Pay approve credit for my business buyers?
Resolve Pay's AI-powered credit engine can provide near-instant decisions for qualifying buyers, while applications requiring additional information or review may take longer. The quiet credit-check process is designed to minimize friction during evaluation. Buyers are not notified and their credit scores are not impacted during the assessment process.
How does Resolve Pay combine net terms and AR automation?
Resolve Pay combines credit decisioning and net terms with invoice workflows, payment reconciliation, collections automation, and integrations. This allows sellers to manage more of the credit-to-cash process within one B2B-focused platform rather than treating financing and receivables management as separate workflows. The platform handles invoice generation, payment matching, DSO tracking, and automated collections sequences.
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.
