Selecting the right B2B payment solution can determine whether your manufacturing or distribution business thrives or struggles with cash flow constraints. Resolve Pay delivers comprehensive net terms financing combined with AR automation and non-recourse credit protection. Paystand centers on payment and AR automation through its bank-to-bank payment network and also provides access to partner-powered Early Pay invoice financing through Lendica. Behalf, once a player in B2B purchase financing, ceased operations in January 2023, leaving businesses searching for alternatives.
Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the approach that matches their cash flow goals, credit risk tolerance, and growth objectives. This comparison examines how each platform approaches B2B payments, credit management, and accounts receivable automation for businesses offering net payment terms.
The B2B payments market encompasses distinct categories serving different operational models. Payment automation platforms help finance teams process transactions and manage AR workflows. Net terms financing platforms enable sellers to offer deferred payment terms while receiving immediate cash and offloading credit risk.
This distinction matters because offering net terms without proper financing creates cash flow strain. According to U.S. Chamber of Commerce guidance, offering Net 30, 60, or 90 terms means giving buyers additional time to pay, while your business still needs enough working capital to cover ongoing operating expenses. Traditional approaches forced sellers to choose between cash flow and competitive terms.
Resolve Pay eliminates this tradeoff through its integrated approach combining:
Sellers offer competitive terms while receiving payment within about one business day on approved transactions.
Paystand approaches the market primarily as a payment and AR automation platform. It also provides access to Early Pay, a partner-powered financing option through Lendica for eligible invoices. Behalf historically offered B2B purchase financing, allowing buyers to pay vendors over time, but ceased operations in January 2023.
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers who need to offer net terms without cash flow constraints. The platform's founding team spun out the B2B business from Affirm in 2018, bringing experience in credit and payments to B2B commerce, where payment terms and credit risk management present distinct challenges.
The core value proposition centers on transforming how B2B sellers handle trade credit:
The AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. This replaces manual trade reference calls and spreadsheet tracking that burden internal teams with days of work per customer.
Resolve Pay's accounts receivable automation handles the complete invoice-to-cash cycle. The platform generates invoices synced from ERP systems, sends smart payment reminders, performs ML-powered payment reconciliation, and manages collections through multi-channel sequences. Users report 90% reduction in AR workload compared to manual processes.
The agentic collections capability uses AI-powered email, SMS, and voice outreach to follow up on outstanding invoices. Intelligent escalation adapts based on buyer response and payment history, preserving customer relationships while reducing days sales outstanding.
Resolve Pay's integration capabilities span both ecommerce and ERP systems, enabling unified invoice management across sales channels:
The dual ecommerce plus ERP integration capability addresses a critical need for B2B sellers managing both online and offline sales. Invoices from BigCommerce orders and phone orders flow through the same system with consistent credit policies and AR automation.
Resolve Pay's impact on B2B sellers spans revenue growth, operational efficiency, and cash flow improvement. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours. ConEquip achieved 30% year-over-year growth through expanded net terms capabilities. Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours.
The platform maintains a perfect 5.0/5 G2 rating based on verified user reviews. Resolve Pay states that it is SOC 2 Type II attested and independently audited, providing businesses with security-control documentation they can review during vendor assessment.
Resolve Pay earned the 2025 BigCommerce Innovative Integration Award, recognizing the platform's B2B checkout capabilities for ecommerce sellers. With 15,000+ active businesses, approximately USD 85 million in reported funding, and recognition through BigCommerce's 2025 Innovative Integration Award, Resolve Pay demonstrates established adoption in the B2B payments market.
Paystand positions itself as a payment automation platform designed to streamline AR workflows for finance teams. The platform operates a blockchain-enabled B2B payment network for direct bank-to-bank payments alongside AR automation capabilities.
The platform serves mid-market finance teams seeking operational efficiency through:
Paystand's NetSuite integration represents a particular strength, with SuiteApp certification enabling native functionality inside the NetSuite dashboard. Finance teams can manage payment operations without leaving their primary ERP interface.
Paystand's core platform centers on payment and AR automation, with ERP integrations and payment workflows for finance teams. It also offers access to Early Pay invoice financing through Lendica, which separately manages underwriting, approval, funding, and repayment. Resolve Pay takes a different approach by integrating buyer credit decisioning, funded net terms, non-recourse protection on eligible approved invoices, AR automation, and collections within one platform.
Paystand maintains a 4.4/5 G2 rating with users praising customer support responsiveness and ease of integration. Implementation complexity can vary for non-NetSuite users based on existing tech stack requirements. Paystand states that it is SOC 2 Type II certified with PCI DSS security controls.
Integration priorities center on ERP systems rather than ecommerce platform connectivity. The platform provides REST API access for custom workflows. For B2B sellers managing hybrid sales channels with both ecommerce and traditional orders, this represents a different approach than Resolve Pay's dual ecommerce and ERP integration strategy.
Behalf operated as a B2B purchase financing platform that enabled buyers to pay vendors over time with extended terms. The company served as a financial intermediary, providing buyers with credit while paying vendors directly.
Behalf ceased operations in January 2023 after experiencing operational challenges. The company's closure was confirmed by multiple sources including PitchBook listing status as "Out of Business" and industry coverage documenting the shutdown.
The company's historical model differed from Resolve Pay's approach:
For businesses currently evaluating B2B payment solutions, Behalf cannot be considered as an option. The company has no operational platform or customer support, cannot process new applications or transactions, maintains no active integrations or partnerships, and provides no ongoing service.
Because Behalf is no longer operating, businesses evaluating B2B financing today need an active platform for their current payment, credit, and receivables workflows.
Resolve Pay's net terms management enables sellers to offer competitive payment terms while receiving cash immediately. The non-recourse model means sellers keep their advance even if approved buyers default under applicable terms, eliminating bad debt risk on financed invoices. The platform advances up to 90-100% of invoice value within about one business day on approved transactions.
Buyer credit undergoes AI-powered evaluation through Resolve Pay's proprietary engine, which analyzes thousands of data points to deliver instant credit decisions. This replaces days-long manual credit reviews that burden internal teams.
Paystand primarily operates as a payment and AR automation platform and also provides access to partner-powered Early Pay financing for eligible invoices through Lendica. The Early Pay program operates separately from Paystand's core automation workflows.
Both platforms offer AR automation capabilities with different approaches to DSO reduction. Resolve Pay combines workflow automation with financing that fundamentally changes the DSO equation. When sellers receive advances within about one business day, DSO effectively drops from 30-90 days to 1-2 days on financed invoices.
Resolve Pay features include:
Paystand's AR automation supports collection and reconciliation workflows, while its Early Pay program can provide financing on eligible invoices through Lendica. The platform offers automated reminders, cash application, and workflow improvements focused on operational efficiency.
Resolve Pay's dual ecommerce and ERP integration serves B2B sellers managing hybrid sales channels. A distributor can process BigCommerce orders and phone orders through the same credit and AR system. The platform connects Shopify, BigCommerce, WooCommerce, and Magento with NetSuite, QuickBooks, Xero, and Sage Intacct through two-way sync for invoices, customers, and payments.
Paystand's NetSuite SuiteApp certification represents deep integration for NetSuite-centric organizations. The platform also integrates with Sage Intacct, Dynamics 365, and Acumatica. Integration priorities center on ERP systems, with REST API available for custom implementations.
Traditional approaches to B2B payment terms force sellers into difficult tradeoffs. Offering Net 30/60/90 terms means waiting weeks or months for payment while covering payroll, inventory, and operations immediately. This cash flow gap limits growth and creates financial strain.
Many sellers responded by restricting credit, requiring deposits, or avoiding net terms entirely. These approaches protect cash flow but sacrifice competitive positioning. Business buyers expect payment flexibility, and sellers who cannot offer terms lose orders to competitors who can.
Invoice factoring emerged as one solution, but traditional factoring creates its own challenges. Recourse factoring means sellers remain liable if buyers default. Factoring companies often contact buyers directly, damaging relationships. The fragmented approach requires managing separate tools for credit, invoicing, and collections.
Resolve Pay's integrated model addresses these gaps through a unified platform:
This integration matters because the components reinforce each other. Credit decisions inform advance rates. Payment history improves future credit limits. Collection automation preserves relationships while reducing DSO.
Businesses previously using Behalf or currently evaluating B2B payment solutions face a changed market landscape. Behalf's January 2023 closure eliminated a significant player, and understanding the transition path helps sellers make informed decisions.
Companies using Behalf before the shutdown lost active financing for buyer purchases, platform access and reporting, integration connectivity, and customer support. Because Behalf is no longer operating, businesses evaluating B2B financing today need an active platform for their current payment, credit, and receivables workflows.
Resolve Pay addresses the market gap through a seller-focused model that centers on helping sellers offer net terms and receive advances. The non-recourse protection on approved invoices provides credit risk transfer. The integrated platform combines credit, financing, AR automation, and collections, reducing tool sprawl and improving operational efficiency.
Transitioning to Resolve Pay typically includes:
Supported implementations can often launch within days or about one week. Custom API, ERP, or workflow requirements may require additional implementation time depending on configuration and technical complexity.
Resolve Pay is designed for B2B sellers that want credit decisioning, funded net terms, accounts receivable automation, and collections connected within one workflow. The platform serves mid-market manufacturers, distributors, and wholesalers typically with at least USD 1 million in annual B2B revenue.
Net terms financing with credit protection - B2B sellers who want to offer competitive payment terms without cash flow strain or credit risk exposure benefit from Resolve Pay's integrated financing. The platform advances up to 90-100% of invoice value within about one business day while assuming covered credit risk on approved transactions.
AI-powered buyer credit decisioning - Companies spending days manually reviewing credit applications and calling trade references benefit from Resolve Pay's instant credit engine. The AI evaluates buyers in seconds rather than days.
Ecommerce plus ERP integration - Manufacturers and distributors selling through both online stores and traditional channels need unified credit policies and AR management. Resolve Pay connects major ecommerce platforms with leading ERP and accounting systems.
Complete AR automation with collections - Businesses seeking to reduce AR workload by 90% through automated invoicing, reminders, reconciliation, and AI-powered collections choose Resolve Pay's comprehensive platform.
Manufacturing and distribution focus - HVAC parts distributors, electrical suppliers, plumbing wholesalers, industrial equipment manufacturers, and similar B2B product sellers represent Resolve Pay's core customer base with purpose-built features for these industries.
The platform's complete AR workflow operates as an integrated system rather than disconnected tools. Credit decisions inform advance rates, payment history improves future credit limits, and collection automation preserves relationships while reducing days sales outstanding. This integration enables B2B sellers to compete on payment terms while maintaining healthy cash flow and minimizing credit exposure.
Resolve Pay can advance funds on eligible approved invoices while assuming the covered buyer credit-default risk under the applicable financing terms. This helps sellers offer net terms without carrying the same level of qualifying buyer non-payment exposure themselves.
Resolve Pay uses AI-powered credit analysis, business data, behavioral signals, and human expertise. Some qualifying decisions can be generated quickly, while more complex credit assessments are generally completed within 24 business hours.
Resolve Pay supports major ecommerce, accounting, and ERP systems including Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, Sage Intacct, and NetSuite. APIs and webhooks are also available for custom workflows.
Qualifying approved invoices can receive accelerated funding within about one business day, while actual timing can depend on approval, transaction details, and the selected workflow. When a partial advance applies, the remaining eligible balance can be settled after buyer payment.
Resolve Pay is designed primarily for B2B manufacturers, distributors, wholesalers, and other sellers that offer invoice-based payment terms. Resolve Pay identifies businesses with at least USD 1 million in annual B2B revenue as a strong fit for its 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.