Resolve Pay vs Behalf vs Gaviti

Selecting the right B2B payment and accounts receivable solution can determine whether your business thrives with healthy cash flow or struggles with extended payment cycles. While Behalf has ceased operations and Gaviti focuses purely on AR automation, Resolve Pay delivers an integrated platform combining non-recourse net terms financing with comprehensive accounts receivable management.

Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose a solution that addresses both immediate cash flow needs and long-term operational efficiency. According to Federal Reserve research, working capital management remains one of the most critical financial challenges for growing B2B businesses, making the choice of payment platform a strategic decision with direct impact on growth capacity.

Key Takeaways

• Resolve Pay is the only active platform in this comparison offering both non-recourse net terms financing and AR automation in a single integrated solution, while Behalf ceased operations in January 2023 and Gaviti provides AR automation without financing capabilities
• Resolve Pay can advance eligible approved invoices before the buyer's payment term expires with non-recourse protection, meaning sellers are protected from covered buyer defaults on approved advances
• Gaviti operates as an AR automation platform focused on collections workflows and dispute management but does not offer invoice financing or cash advances
• Resolve Pay maintains a perfect 5.0/5 G2 rating with exceptional customer satisfaction, while Gaviti holds a 4.4/5 rating with 190 reviews
• Native ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento set Resolve Pay apart, enabling embedded net terms at checkout while Gaviti focuses exclusively on ERP and accounting system connections
• Resolve Pay customers report substantial growth outcomes including 5x revenue increases, 90% AR workload reduction, and credit approval times reduced from 10 days to under 24 hours

Understanding B2B Payment Solutions: Resolve Pay, Behalf, and Gaviti Defined

The B2B payments landscape encompasses fundamentally different solution categories, each addressing distinct business challenges. Understanding these categories helps revenue leaders select platforms aligned with their operational model and cash flow requirements.

Net terms financing platforms enable sellers to offer deferred payment terms (Net 30, 60, or 90 days) to business buyers while receiving immediate cash. These platforms typically advance a percentage of invoice value upfront and may assume some level of credit risk. The value proposition centers on eliminating the cash flow gap between fulfilling orders and receiving payment.

AR automation platforms focus on streamlining accounts receivable workflows including invoice generation, payment reminders, reconciliation, and collections management. These tools improve operational efficiency but do not address the fundamental timing mismatch between when sellers need cash and when buyers pay.

Integrated solutions combine both capabilities, offering financing alongside automation. This approach eliminates the need for multiple vendors and creates unified data flows across credit, payments, and collections.

Where Each Platform Fits

• Resolve Pay operates as an integrated B2B payments platform combining net terms financing, AR automation, and AI-powered collections. The platform serves 15,000+ businesses across manufacturing, distribution, and wholesale industries with non-recourse financing that protects sellers from covered buyer defaults.
• Behalf previously operated as a B2B financing platform providing net terms and working capital solutions. However, the company ceased operations in January 2023 and is no longer a viable option for businesses seeking financing solutions.
• Gaviti functions as a dedicated AR automation platform built for collections teams. The platform offers workflow automation, dispute management, and analytics but does not include financing capabilities. Businesses using Gaviti must secure working capital through separate channels.

Resolve Pay

Resolve Pay's Approach to Integrated B2B Payments

Resolve Pay delivers a comprehensive platform that addresses both the cash flow and operational challenges facing B2B sellers. Rather than forcing businesses to piece together separate financing and AR tools, the platform provides unified execution across the entire order-to-cash cycle.

The net terms financing component enables sellers to offer Net 30, 60, or 90 day payment terms to business buyers. For eligible approved invoices, Resolve Pay can provide an advance before the buyer's payment term expires, with the advance amount determined by the applicable buyer and transaction. The non-recourse structure means Resolve Pay assumes the default risk on approved invoices, protecting sellers from covered bad debt.

Key Features

The AI Credit Engine evaluates thousands of buyer data points, including cash flow trends and behavioral signals, to support scalable credit decisions. Credit decisions arrive in under 24 hours, with instant approvals available for certain purchases. The quiet credit check process means buyers are not notified and their credit scores remain unaffected.

Accounts receivable automation handles invoice generation, smart payment reconciliation using machine learning, and real-time AR dashboards showing DSO, aging, and portfolio health. The platform syncs automatically with QuickBooks, Xero, Sage Intacct, and NetSuite.

The agentic collections system deploys automated multi-channel sequences across email, SMS, and voice AI. Intelligent escalation adjusts based on buyer response patterns and payment history. The system pauses automatically when payments or disputes are received and logs all interactions to invoice records.

Native Ecommerce Integration

Resolve Pay offers native integrations with major B2B ecommerce platforms. The BigCommerce integration earned the 2025 Innovative Integration Award, with additional native connections to Shopify, Magento 2, and WooCommerce.

These integrations enable embedded net terms at checkout, allowing buyers to see their credit approval and payment terms without leaving the cart. This embedded experience reduces cart abandonment by removing financing friction, increases average order values through accessible credit, and maintains the seller's brand throughout the buyer journey.

Customer Results

Resolve Pay customers consistently report substantial growth and efficiency improvements:

• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours
• SS&SI Dealer Network: Achieved 5x revenue growth through the platform
• ConEquip: Generated 30% year-over-year growth in their construction equipment business
• Trenchless Supply: Reduced AR workload by 90% with credit approvals completing in under 24 hours
• Elston Materials: Improved margins from 25% to 30%

The platform maintains a perfect 5.0/5 rating on G2 with users consistently highlighting dedicated customer support and streamlined invoicing processes.

Security and Compliance

Resolve Pay states that it is SOC 2 Type II attested, providing organizations with independently audited security-control information for vendor assessment. Resolve Pay traces its origins to a B2B spinout from Affirm in 2018 and highlights credit and payments expertise from professionals with experience at companies including Amazon, PayPal, and Fortune 500 firms.

Behalf

Behalf's Current Status: Ceased Operations

Behalf ceased operations in January 2023. Public information about the reasons for the closure is limited, so the company is best treated as a historical reference rather than a currently available B2B financing platform.

Prior to shutting down, Behalf operated as a B2B financing platform that had raised approximately $462M across multiple funding rounds. The company targeted small business financing through supplier networks, enabling businesses to offer payment terms to their buyers.

Implications for Former Behalf Users

The shutdown left thousands of businesses without their financing partner, creating an urgent need for alternative solutions. Former Behalf users seeking replacement platforms should prioritize financing capability, quick implementation, and non-recourse protection to match or improve upon previous risk transfer arrangements.

Gaviti

Gaviti's Focus on AR Automation

Gaviti operates as a dedicated AR automation platform designed for collections teams. The platform was built by AR professionals for AR professionals, emphasizing workflow optimization and collections management.

Core capabilities include:

• Collections management with automated outreach sequences
• Dispute management with structured workflows for resolution
• Credit management with credit scoring and monitoring
• AI-powered cash application and payment matching
• Customer self-service portal for buyer access to invoices
• Collections performance tracking and KPI dashboards

The platform integrates with QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics. Gaviti can connect multiple ERPs simultaneously, supporting enterprises with diverse business units on different systems.

What Gaviti Does Not Provide

Gaviti does not offer invoice financing, cash advances, or net terms funding. Businesses using Gaviti must secure working capital through separate channels such as bank lines of credit or factoring companies.

The platform also lacks native ecommerce integrations. Unlike Resolve Pay's embedded checkout capabilities with Shopify and BigCommerce, Gaviti focuses exclusively on ERP and accounting system connections.

Market Position

Gaviti maintains a 4.4/5 rating on G2 with 190 reviews and a 4.2/5 rating on Gartner Peer Insights. Users frequently praise the easy-to-use interface and strong business partner relationship. The platform earned a 9.4/10 business partner quality score compared to the category average of 8.8/10.

Gaviti uses custom pricing based on company usage and requirements. Its commercial model is separate from invoice financing.

Accounts Receivable Automation: Comparing Approaches

Both Resolve Pay and Gaviti offer AR automation capabilities, but with fundamentally different value propositions. The comparison reveals how integrated financing transforms the automation equation.

Invoice and Payment Management

• Resolve Pay: Automated invoice generation syncs directly from ERP and accounting systems with two-way data flow. Invoices connect seamlessly to the financing workflow, enabling advances on generated invoices without manual intervention. ML-powered payment matching automatically reconciles incoming payments to invoices, handling partial payments, early payment discounts, and advance reconciliation.
• Gaviti: Invoice management focuses on tracking and follow-up rather than generation. The platform pulls invoice data from connected ERPs for collections purposes. Its cash application functionality uses automation to match incoming payments to invoices and support reconciliation workflows.
• Behalf: No longer operational.

Collections Workflow

• Resolve Pay: The agentic collections system operates across email, SMS, and voice AI channels. The autonomous agent conducts collections calls using natural language, handles objections, and schedules callbacks. Intelligent escalation adjusts based on buyer behavior, with sequences pausing automatically when payments arrive.
• Gaviti: Built as a collections-first platform, Gaviti offers structured workflows with email-based outreach and personalized reminders. The platform provides strong workflow customization for collections teams.

DSO Impact

• Resolve Pay: Financing can accelerate access to cash on eligible approved invoices before buyers complete their payment terms. Resolve Pay's AR automation and collections tools can also help businesses improve receivables workflows and reduce collection delays.
• Gaviti: Users report DSO reductions through improved collections efficiency. However, sellers still wait for buyer payments since no financing accelerates cash receipt.

Credit Management and Risk Assessment

Effective collections depend on accurate credit decisions made before extending payment terms. The platforms approach this challenge differently.

Credit Decisioning

• Resolve Pay: The proprietary AI Credit Engine evaluates thousands of buyer data points, including cash flow trends, behavioral signals, and relevant business and financial information used in Resolve Pay's underwriting process. Credit decisions arrive in under 24 hours with instant approvals available for certain transactions. Dynamic credit lines adjust automatically based on payment history.
• Gaviti: Credit management capabilities include credit scoring and monitoring with connections to over 200 country credit databases. The platform helps assess buyer creditworthiness but does not assume any credit risk since no financing is offered.
• Behalf: No longer operational.

Risk Transfer

• Resolve Pay: Non-recourse financing transfers covered default risk to Resolve Pay on approved invoices. Sellers are protected from qualifying nonpayment on eligible approved advances, protecting balance sheets from unpredictable losses.
• Gaviti: No risk transfer occurs since Gaviti does not finance invoices. Sellers retain full exposure to buyer defaults and must pursue collections or write off bad debt.

Invoice Financing and Cash Flow

For B2B sellers, the timing gap between fulfilling orders and receiving payment creates persistent cash flow challenges. According to the U.S. Small Business Administration, effective accounts receivable management is critical for maintaining healthy business operations and growth capacity.

How Resolve Pay Financing Works

Sellers using Resolve Pay can offer flexible net terms to approved buyers. For eligible approved invoices, Resolve Pay can provide an advance before the buyer's payment term expires, with the advance amount determined by the applicable buyer and transaction.

Resolve Pay's non-recourse structure protects sellers from covered buyer default risk on eligible approved advances while helping them access working capital sooner instead of waiting for the full payment term.

Why Gaviti Cannot Replace Financing

Gaviti's AR automation improves when buyers pay through better collections processes but does not change the fundamental timing equation. A business using Gaviti still waits 30-90 days for payment even with optimized workflows.

For sellers needing immediate working capital, Gaviti would require supplementation with bank lines of credit, traditional factoring, or other financing providers. Each additional provider adds complexity, cost, and integration requirements.

B2B Payment Technology: Integration and Checkout

Modern B2B commerce increasingly moves online, making payment technology integration critical for capturing and converting buyer demand.

Ecommerce Platform Support

• Resolve Pay: Native integrations include Shopify, BigCommerce (2025 Innovative Integration Award winner), Magento 2, and WooCommerce. These integrations enable buyers to see credit approval and select payment terms during checkout without leaving the cart.
• Gaviti: No native ecommerce platform integrations. The platform focuses on ERP and accounting connections rather than frontend checkout experiences.
• Behalf: No longer operational.

ERP and Accounting Integration

Resolve Pay: Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. These connections support automated data syncing and reconciliation workflows, while APIs and webhooks support custom integration requirements.

Gaviti: Connections to QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics. The multi-ERP capability supports simultaneous connections to different systems, beneficial for enterprises with fragmented infrastructure.

Why Resolve Pay Fits B2B Payment and AR Workflows

Resolve Pay brings net terms, credit decisioning, AR automation, payments, and collections into one connected platform for B2B sellers.

• Non-Recourse Financing: Eligible approved advances can include non-recourse protection, helping sellers reduce exposure to covered buyer defaults.
• Faster Access to Cash: Resolve Pay can advance eligible invoices before the buyer's payment term expires, helping sellers improve working-capital availability.
• Ecommerce Integration: Shopify, BigCommerce, WooCommerce, and Magento integrations support connected B2B ecommerce and net terms workflows.
• Customer Results: Resolve Pay publishes customer stories showing meaningful revenue growth, reduced AR workload, faster credit workflows, and margin improvement across manufacturers and distributors.
• Customer Feedback: Resolve Pay maintains a 5.0/5 G2 rating in the Accounts Receivable category based on current listed reviews.
• Enterprise Security: Resolve Pay states that it is SOC 2 Type II attested, supporting formal security and vendor-review processes.

For B2B manufacturers, distributors, and wholesalers that want to offer flexible payment terms while improving cash-flow visibility and reducing manual receivables work, Resolve Pay provides an integrated credit-to-cash platform built around those workflows.

Frequently Asked Questions

How does Resolve Pay help businesses manage cash flow?

Resolve Pay can advance eligible approved invoices before the buyer's payment term expires, helping sellers access working capital sooner while continuing to offer flexible net terms. Its AR automation, reconciliation, and collections capabilities also help reduce manual receivables work.

What AR processes can Resolve Pay automate?

Resolve Pay supports automated invoicing, payment reminders, reconciliation, collections workflows, payment processing, and receivables visibility through connected accounting, ERP, and commerce systems.

What ecommerce platforms does Resolve Pay support?

Resolve Pay supports integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. These integrations can bring net terms into supported ecommerce workflows and connect online transactions with Resolve Pay's broader credit, payment, and AR capabilities.

How does Resolve Pay's non-recourse financing differ from traditional factoring?

Traditional factoring can be structured as either recourse or non-recourse, depending on the provider and agreement. Resolve Pay's non-recourse structure means Resolve Pay assumes covered buyer default risk on eligible approved advances, helping protect sellers from qualifying nonpayment.

How quickly can Resolve Pay approve credit for business customers?

Resolve Pay's AI Credit Engine delivers credit decisions in under 24 hours, with instant approvals available for certain purchases. This speed compares favorably to traditional credit application processes. Archipelago Lighting reduced their approval time from 10 days to 24 hours after implementing Resolve Pay.

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.