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.
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 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:
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.
Beyond financing, Resolve Pay provides complete accounts receivable automation that handles:
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.
Resolve Pay connects natively with major business systems:
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 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:
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 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 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.
The fundamental difference between Resolve Pay and alternatives lies in how credit risk flows through each transaction:
Resolve Pay:
Behalf (Buyer Financing, Now Defunct):
Billie (European Buyer Focus):
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.
Cash flow improvement depends on both how much sellers receive upfront and how quickly funds arrive:
Resolve Pay:
Behalf:
Billie:
Resolve Pay's variable advance amounts allow sellers to optimize between immediate cash needs and transaction costs.
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:
Behalf AR Capabilities:
Billie AR Features:
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.
Late payments and collections represent significant operational costs for B2B sellers. Each platform approaches collections differently:
Resolve Pay Agentic Collections:
Behalf Collections:
Billie Collections:
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.
Seamless data flow between payment platforms and business systems determines operational efficiency. The three platforms offer different integration approaches:
Resolve Pay Integrations:
Behalf Integrations:
Billie Integrations:
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.
B2B sellers increasingly operate online storefronts alongside traditional sales channels. Platform support varies:
Resolve Pay Ecommerce:
Behalf Ecommerce:
Billie Ecommerce:
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.
Perhaps the most significant differentiator among these platforms is geographic coverage:
Resolve Pay:
Behalf:
Billie:
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.
Resolve Pay focuses on specific B2B verticals where net terms create competitive advantage:
This industry focus enables specialized underwriting models and workflow configurations that generic financing platforms cannot match.
Resolve Pay serves as the optimal choice when your business:
The platform's combination of financing, AR automation, and collections management creates operational value that standalone financing solutions cannot replicate.
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:
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.
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.
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.
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.
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.
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.