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.
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.
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.
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.
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.
Resolve Pay customers consistently report substantial growth and efficiency improvements:
The platform maintains a perfect 5.0/5 rating on G2 with users consistently highlighting dedicated customer support and streamlined invoicing processes.
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 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.
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 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:
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.
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.
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.
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.
Effective collections depend on accurate credit decisions made before extending payment terms. The platforms approach this challenge differently.
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.
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.
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.
Modern B2B commerce increasingly moves online, making payment technology integration critical for capturing and converting buyer demand.
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.
Resolve Pay brings net terms, credit decisioning, AR automation, payments, and collections into one connected platform for B2B sellers.
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.
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.
Resolve Pay supports automated invoicing, payment reminders, reconciliation, collections workflows, payment processing, and receivables visibility through connected accounting, ERP, and commerce systems.
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.
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.
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.