Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles with tied-up capital and manual AR processes. While Behalf ceased operations in January 2023 and Coupa Pay focuses primarily on enterprise procurement and accounts payable, Resolve Pay delivers net terms financing with non-recourse protection specifically designed for B2B sellers. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose a platform that actually solves their cash flow challenges rather than addressing unrelated procurement needs.
The B2B payments landscape encompasses fundamentally different solution categories that serve opposite ends of the transaction. Recognizing whether a platform solves seller challenges or buyer challenges prevents costly misalignment between business needs and technology investments.
Seller-side platforms like Resolve Pay address the cash flow gap that occurs when businesses extend Net 30, 60, or 90 payment terms to customers. These solutions enable sellers to receive immediate payment while buyers pay on deferred terms. The core value proposition centers on accelerating receivables, eliminating credit risk, and automating AR processes.
Buyer-side platforms like Coupa Pay focus on helping enterprises manage their outbound payments, procurement workflows, and spend analysis. These solutions optimize how companies pay their vendors rather than how they get paid by customers.
B2B BNPL providers like the former Behalf attempted to bridge both sides by offering financing at the point of purchase. However, Behalf is no longer operational.
This distinction matters because choosing a buyer-side platform when you need seller-side solutions leaves your core cash flow problems unaddressed. Federal Reserve research shows that B2B trade credit allows buyers to pay after goods or services are delivered, which can leave sellers waiting weeks or months to collect. A manufacturer waiting 60 days for customer payments gains little direct cash-flow relief from a procurement management system designed primarily to help enterprises manage supplier purchasing and payments.
Mid-market manufacturers, distributors, and wholesalers face a consistent pattern: business buyers expect Net 30, 60, or 90 payment terms as standard practice, yet sellers need working capital to fund operations, inventory, and growth. This creates a structural cash flow gap that compounds with business growth.
Traditional solutions like invoice factoring address this gap but introduce recourse risk, meaning sellers remain liable if customers default. Bank lines of credit require extensive documentation, personal guarantees, and often cannot scale with seasonal demand fluctuations.
Resolve Pay's approach combines invoice advances with non-recourse protection, helping sellers offer payment terms while reducing their exposure to late payments and defaults.
Resolve Pay operates as a purpose-built platform for B2B sellers needing to offer net terms while maintaining healthy cash flow. The platform combines credit decisioning, invoice financing, AR automation, and collections into a unified solution backed by over $60M in funding and serving 15,000+ businesses.
Resolve Pay provides several integrated capabilities for B2B sellers:
Resolve Pay provides integrations with major ecommerce and accounting platforms:
Resolve Pay's integration capabilities connect with ecommerce, accounting, and ERP systems to import required information and support automated syncing. Specific synchronization behavior depends on the connected platform and implementation.
Resolve Pay states that it is SOC 2 Type II attested and independently audited, supporting the security requirements of businesses using its B2B payment and receivables platform.
Resolve Pay customers demonstrate measurable business outcomes:
Behalf positioned itself as a B2B buy now, pay later platform offering financing options for business purchases. The company was an early mover in the B2B BNPL space, providing payment flexibility for buyers at checkout.
Behalf ceased operations in January 2023. The company did not provide an official public statement explaining the shutdown.
Before shutdown, Behalf provided:
Former Behalf users therefore need a currently operating platform if they still require B2B net terms, financing, or receivables workflows. For businesses evaluating a current B2B net terms platform, Resolve Pay combines non-recourse invoice advances with credit decisioning, accounts receivable automation, payments, and collections.
Coupa Pay operates as part of the broader Coupa spend management platform, focusing on enterprise procurement workflows and accounts payable automation. The platform earned recognition as a Leader in the IDC MarketScape: Worldwide Embedded Payment Applications 2024-2025 assessment.
Coupa Pay serves enterprise buyers managing:
The platform supports international enterprise payments through a partner ecosystem covering multiple payment rails, countries, and currencies. Coverage varies according to payment method, banking partner, originating country, and destination. Enterprise ERP integrations include SAP, Oracle, and Microsoft Dynamics.
Coupa Pay reports operational efficiencies including batch approval cycles and digital invoice payment rates. These metrics reflect buyer-side AP automation benefits.
Enterprise deployments typically require weeks to months for full implementation, including:
Pricing is quote-based and varies according to the organization's configuration, modules, payment capabilities, and implementation requirements.
Coupa Pay is primarily part of Coupa's enterprise spend management and payment ecosystem. Its supplier-facing capabilities also include access to third-party invoice financing through Fundbox for eligible U.S. suppliers.
Resolve Pay takes a different approach by combining seller-focused net terms, credit decisioning, non-recourse invoice advances, accounts receivable automation, payments, and collections in one B2B workflow.
For B2B sellers, accounts receivable automation directly impacts cash flow health and operational efficiency. The three platforms take fundamentally different approaches to AR management.
Resolve Pay's platform provides end-to-end AR automation:
The agentic collections system handles follow-up sequences with configurable day thresholds. The system logs all interactions automatically and pauses when payment or dispute is received.
Behalf's AR automation capabilities are no longer available following the company's shutdown in January 2023.
Coupa Pay automates accounts payable rather than accounts receivable. The platform helps buyers process and pay invoices efficiently but does not provide tools for sellers to manage their receivables, collections, or cash application processes.
The key distinction: Resolve Pay combines seller-focused net terms financing with credit and accounts receivable workflows. Coupa Pay primarily supports enterprise spend and payment operations, while selected suppliers can access separate third-party invoice financing through its Supplier Portal.
Credit evaluation capabilities determine how quickly sellers can extend terms to new customers and how effectively they manage default risk.
The AI-powered credit system evaluates buyers using:
Qualifying buyers can receive instant decisions, while Resolve Pay states that streamlined credit assessments can deliver results within 24 business hours. Its discreet credit assessment process can begin with only the customer's business name and address.
Dynamic credit lines adjust based on payment history, allowing credit limits to expand as buyers demonstrate reliability. This approach replaces manual trade reference calls and spreadsheet tracking that traditionally consumed days or weeks of staff time.
Behalf previously offered credit decisioning as part of its B2B BNPL model. However, these capabilities are no longer available following the January 2023 shutdown.
Coupa Pay's core platform centers on enterprise spend and payment workflows rather than seller-side customer credit underwriting. Resolve Pay directly incorporates buyer credit assessment into its net terms and accounts receivable workflow, helping sellers evaluate customers before extending supported payment terms.
Time to value and integration flexibility significantly impact total cost of ownership and operational disruption during deployment.
Resolve Pay offers pre-built integrations covering major B2B ecommerce and accounting platforms:
Ecommerce Platforms:
Accounting and ERP Systems:
Implementation Timeline: Resolve Pay states that businesses can get set up in days. Pre-built integrations and flexible APIs can reduce custom integration work, although the exact timeline depends on each company's systems and requirements.
Behalf's integrations are no longer available following the company's shutdown.
Coupa Pay focuses on enterprise ERP integration with SAP, Oracle, and Microsoft Dynamics. Implementation typically requires:
The enterprise focus means Coupa Pay does not prioritize ecommerce platform integrations that mid-market B2B sellers commonly use.
Non-recourse financing represents a fundamental shift from traditional factoring and credit extension models. Understanding this distinction clarifies how different platforms approach seller payment risk.
In recourse factoring, sellers receive advances on invoices but remain liable if customers fail to pay. This creates:
With non-recourse financing, Resolve Pay's cash advances are non-recourse. If an approved buyer does not pay a covered invoice, the seller keeps the amount advanced. Resolve Pay manages credit assessment, underwriting, and collections while taking on the majority risk associated with late payments or defaults.
Business impact: Sellers can pursue new customer relationships and larger orders while Resolve Pay manages credit assessment, underwriting, collections, and much of the payment risk associated with approved invoices.
Behalf's former financing services are no longer available following its shutdown. Coupa primarily approaches payments through enterprise spend management and also provides eligible U.S. suppliers access to third-party invoice financing through Fundbox. Resolve Pay combines non-recourse invoice advances with seller-focused credit, net terms, AR automation, and collections.
Manual accounts receivable processes create operational bottlenecks that limit scalability and increase costs as transaction volume grows. AI-powered automation addresses these constraints.
Traditional AR management requires staff time for:
As customer counts and invoice volumes grow, manual credit review, invoicing, reconciliation, and collections can create additional administrative work for finance teams.
The platform replaces manual processes with intelligent automation:
Coupa Pay provides automation for accounts payable processes, helping buyers process invoices faster and manage vendor payments more efficiently. However, this automation operates on the opposite side of the transaction from AR management.
Behalf's former services are no longer available. Resolve Pay currently provides seller-focused net terms, credit decisioning, invoice advances, AR automation, and collections in one platform.
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to offer flexible payment terms while improving cash flow and reducing receivables administration.
Key capabilities include:
For B2B sellers focused on customer credit, receivables, net terms, and faster access to cash, Resolve Pay brings these functions together in one seller-focused platform.
Yes. Resolve Pay provides integrations with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. It also supports flexible APIs for custom ecommerce implementations. Specific synchronization behavior depends on the connected platform.
Resolve Pay's cash advances are non-recourse. If an approved buyer does not pay a covered invoice, the seller keeps the amount advanced. Resolve Pay manages credit assessment, underwriting, and collections while taking on the majority risk associated with late payments or defaults.
Resolve Pay states that businesses can get set up in days. The exact implementation timeline depends on the company's ecommerce, accounting, ERP, and workflow requirements.
Yes. Resolve Pay combines invoicing, payment reminders, reconciliation, credit workflows, payment processing, and collections within its accounts receivable platform. These tools are designed to reduce manual receivables work and improve visibility across the credit-to-cash process.
Yes. Resolve Pay's agentic collections capabilities automate collection workflows and payment follow-up while keeping receivables activity connected to the broader Resolve Pay platform.
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.