Sep 26, 2026
Selecting the right B2B payments platform can determine whether your business thrives with healthy cash flow or struggles with tied-up capital and manual AR processes. While Behalf once served the buyer-side financing market before ceasing operations in January 2023, Playter provides UK-focused SME financing and flexible invoice-payment products. Resolve Pay delivers comprehensive net terms financing with non-recourse advances and AR automation for US and Canadian B2B sellers.
Understanding the differences in operational status, geographic coverage, and product focus helps manufacturers, distributors, and wholesalers compare these approaches. The working capital challenges many B2B sellers face when extending payment terms to customers require solutions that balance competitive positioning with healthy cash flow management.
Key Takeaways
- Resolve Pay is the only active, comprehensive supplier-side B2B payments platform in this comparison, serving 15,000+ businesses across North America with a 5.0/5 G2 rating, while Behalf ceased operations in January 2023 and Playter operates in the UK market
- Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce buyer credit exposure while Resolve Pay manages credit assessment, underwriting, and collections
- The platform includes AI-powered credit decisioning with approvals in as little as 24 hours, compared to traditional underwriting processes that can take days or weeks
- Resolve Pay provides comprehensive ecommerce integrations including Shopify, BigCommerce, WooCommerce, and Magento, along with ERP connections to NetSuite, QuickBooks, Xero, and Sage Intacct
- Multi-channel agentic collections through email, SMS, and voice AI automate payment follow-up while preserving customer relationships
- Documented customer results include 90% reduction in manual AR work alongside customer revenue and operational improvements, while invoice advances help eligible sellers access cash sooner
Understanding the B2B Payments Landscape
The B2B payments technology market encompasses several distinct categories, each serving different operational models, geographic markets, and business objectives. Understanding these fundamental differences helps finance leaders select platforms aligned with their growth stage and execution capacity.
Supplier-side net terms platforms like Resolve Pay enable B2B sellers to offer Net 30/60/90 payment terms to their business buyers while receiving immediate cash advances. The platform assumes applicable credit risk on approved transactions, automates accounts receivable workflows, and handles collections. This model serves manufacturers, distributors, and wholesalers who need to remain competitive by offering payment flexibility without straining their own cash flow.
Buyer-side financing platforms like the now-defunct Behalf addressed working capital needs from the opposite direction, providing financing to business buyers at the point of purchase. Behalf raised multiple rounds of venture and debt financing before ceasing operations, including $19 million in venture financing and a debt facility of up to $100 million announced in 2021.
UK-focused SME financing platforms like Playter provide business credit products and flexible invoice-payment options within their target market. Following its acquisition by Shawbrook in December 2025, Playter concentrates on UK-based small and medium enterprises with cash flow loans, credit lines, and invoice-payment spreading services.
The B2B trade credit market continues evolving as sellers balance competitive payment terms with working capital management. Understanding how different platforms address these challenges helps businesses evaluate the right solution for their needs.
Resolve Pay
Resolve Pay's Approach to B2B Net Terms and AR Automation
Resolve Pay operates as a comprehensive B2B payments platform built specifically for mid-market manufacturers, distributors, and wholesalers in the US and Canadian markets. Rather than simply providing financing tools, the platform delivers an integrated solution combining the following capabilities:
- Credit decisioning for evaluating buyer creditworthiness
- Net terms financing with non-recourse advances on eligible approved invoices
- AR automation for invoice management and reconciliation
- Automated collections through multi-channel workflows
The core value proposition centers on enabling sellers to offer competitive Net 30/60/90 terms to business buyers while receiving up to 90-100% of invoice value within 1-2 business days. This immediate cash advance eliminates the traditional trade-off between competitive payment terms and healthy cash flow.
Non-recourse financing distinguishes Resolve Pay from conventional recourse financing. Resolve Pay provides non-recourse cash advances on eligible approved invoices and manages credit assessment, underwriting, and collections. Advance eligibility and amounts depend on Resolve Pay's underwriting and buyer verification.
The AI-powered credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions. Approvals arrive in as little as 24 hours for many transactions, compared to the days or weeks required for traditional trade credit applications involving manual reference calls and spreadsheet tracking.
Comprehensive AR Automation and Collections
Beyond financing, Resolve Pay provides full accounts receivable automation that eliminates manual invoice management:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match invoice-to-cash automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health metrics
- Two-way bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite
The platform's agentic collections capability automates payment follow-up through multi-channel sequences including email, SMS, and voice AI outbound calls. The system uses intelligent escalation based on buyer response patterns and payment history, pausing automatically when payments or disputes are received. This approach preserves customer relationships while improving collections efficiency.
Integration Ecosystem and Implementation
Resolve Pay offers native integrations across the B2B commerce technology stack:
Ecommerce platforms:
- Shopify (native checkout extension)
- BigCommerce (2025 Innovative Integration Award winner)
- WooCommerce
- Magento 2
ERP and accounting systems:
- Oracle NetSuite
- Sage Intacct
- QuickBooks Online
- Xero
The white-labeled payment portal accepts ACH, wire transfer, credit card, and check payments while maintaining the seller's brand throughout the buyer experience. Most teams can launch in under one week, although implementation timing varies with the integration and workflow scope.
Customer Results and Market Position
Resolve Pay serves 15,000+ businesses and maintains a 5.0/5 rating on G2 based on 17 reviews. The platform won the 2025 BigCommerce Innovative Integration Award, recognizing its ecommerce capabilities.
Documented customer outcomes demonstrate the platform's impact:
- SS&SI Dealer Network achieved 5x revenue growth
- ConEquip (construction equipment) reported 30% year-over-year growth
- Archipelago Lighting tripled revenue while reducing credit approval time from 10 days to 24 hours
- Elston Materials (concrete supplier) increased margins from 25% to 30%
- Trenchless Supply reduced AR workload by 90%
The platform's heritage includes leadership from Affirm, Amazon, and PayPal, bringing consumer fintech expertise to the B2B payments space. Resolve Pay supports integrated B2B payment, credit, and receivables workflows for growing B2B sellers.
Behalf
Behalf's Historical Position and Current Status
Behalf operated as a buyer-side B2B financing platform before ceasing operations in January 2023. The company was founded in 2011 and headquartered in New York, focusing on providing financing to business buyers at the point of purchase rather than advancing funds to sellers.
Before its closure, the company had raised multiple rounds of venture and debt financing. In 2021, the company announced $19 million in venture financing alongside a debt facility of up to $100 million. Behalf achieved a 4.9/5 TrustPilot rating prior to shutdown, indicating customer satisfaction during its operational period.
The shutdown was confirmed through multiple sources, including a LinkedIn post from company executives in November 2022 stating "these are the last days of Behalf." No public explanation was provided for the closure.
Behalf's Current Status
Behalf ceased operations in January 2023 and is therefore no longer an active financing platform. Businesses that previously used Behalf need a current solution appropriate to either buyer-side financing or supplier-side net terms, depending on their workflow.
The buyer-side financing model Behalf employed differs fundamentally from supplier-side net terms platforms like Resolve Pay. Behalf financed purchases for buyers, while Resolve Pay advances invoice value to sellers. Businesses previously using Behalf for buyer financing may need to consider different solution categories depending on whether they need working capital as buyers or want to offer payment terms as sellers.
For B2B sellers seeking to offer competitive payment terms while maintaining healthy cash flow, Resolve Pay provides a supplier-side alternative with non-recourse advances and comprehensive AR automation.
Playter
Playter's UK-Focused SME Financing Model
Playter operates as a UK-based SME lending platform that was acquired by Shawbrook in December 2025. The company was founded in 2021 and has facilitated over £100M (approximately $125M USD) in loans since launch.
The platform serves UK-based businesses with multiple lending products:
- Cash flow loans for working capital needs
- Credit lines for ongoing financing flexibility
- Term loans for specific business purposes
- Invoice spreading allowing businesses to split eligible invoice payments across 3, 6, 9, or 12 monthly installments
Playter maintains a 4.4/5 rating on TrustPilot and offers decisions in approximately 24 hours through its underwriting process.
Geographic and Product Scope
Several characteristics define Playter's scope for businesses evaluating B2B payment solutions:
Geographic coverage: Playter operates in the UK market, making it unavailable for North American B2B sellers. The Shawbrook acquisition reinforces this UK focus, with the combined entity positioning itself for UK SME and mid-market lending.
Business model: Playter provides UK SMEs with credit lines, short-term cash flow loans, invoice spreading, and workflows that can support flexible customer payment terms. Resolve Pay focuses on supplier-side net terms financing combined with credit decisioning, AR automation, payments, and collections.
Financing structure: Playter describes its loans as unsecured, although personal or corporate guarantees may be required depending on the product and individual offer. This lending structure is not directly comparable with Resolve Pay's non-recourse invoice advances.
Integration ecosystem: Playter uses Open Banking and cloud accounting APIs within its financing workflow. Resolve Pay supports a broader documented B2B commerce integration stack spanning ecommerce, ERP, and accounting systems.
Playter's Current Scope
Playter operates in the UK SME financing market following its acquisition by Shawbrook. Its current offering includes credit lines, short-term cash flow loans, invoice-payment spreading, and an AI-enabled broker hub. These products address a different financing workflow from Resolve Pay's integrated supplier-side net terms, AR automation, payments, and collections platform.
Ari is Playter's AI-enabled broker hub for commercial finance brokers assessing client credit profiles and submitting applications. Invoice spreading supports 3, 6, 9, or 12 monthly installments for eligible invoice payments.
Feature Comparison
Understanding how each platform addresses core B2B payment needs helps businesses evaluate solutions for their specific requirements.
Net Terms and Financing Capabilities
Resolve Pay
- Operational status: Active (15,000+ businesses)
- Net terms offered: Net 15/30/60/90 + custom
- Non-recourse financing: Yes, on eligible approved invoice advances
- Advance rate: Up to 90-100%
- Funding speed: 1-2 business days
- Geographic coverage: US & Canada
Behalf
- Operational status: Ceased January 2023
- Net terms offered: Net-60 (historical)
- Non-recourse financing: Unknown
- Advance rate: Unknown
- Funding speed: Unknown
- Geographic coverage: US (historical)
Playter
- Operational status: Active (UK only)
- Net terms offered: 3, 6, 9, or 12 monthly installments
- Non-recourse financing: Not directly comparable
- Advance rate: Varies by product
- Funding speed: ~24 hours decision
- Geographic coverage: UK only
Resolve Pay provides non-recourse advances on eligible approved invoices, allowing sellers to accelerate cash flow while reducing applicable non-payment exposure.
Credit Decisioning and Underwriting
Resolve Pay
- AI-powered credit evaluation
- Decision speed: Instant to 24 hours
- Credit check type: Quiet (no buyer notification)
- Dynamic credit lines: Yes (adjusts with payment history)
Behalf
- Credit decisioning: Unknown (ceased operations)
- Decision speed: Unknown
- Credit check type: Unknown
- Dynamic credit lines: Unknown
Playter
- Automated credit workflows
- Decision speed: ~24 hours
- Credit check type: Standard
- Dynamic credit lines: Yes
Resolve Pay's AI credit engine evaluates thousands of data points including cash flow trends, payment history, and behavioral signals. The quiet credit check approach means buyers are not notified and their credit scores are not impacted, reducing friction in the sales process.
AR Automation and Collections
Resolve Pay
- Invoice generation: Automated (ERP sync)
- Payment reconciliation: ML-powered auto-matching
- Automated collections: Multi-channel agentic AI
- White-label portal: Yes (branded)
- Payment methods: ACH, wire, card, check
Behalf
- AR automation: Not applicable (ceased operations)
Playter
- AR automation: Not a primary platform feature
Resolve Pay's AR automation combines invoicing, reconciliation, payment workflows, and collections with its net terms offering. Customers report 90% reduction in manual AR work, with automated invoice generation, smart reconciliation, and agentic collections handling the full order-to-cash cycle.
Integration Ecosystem
Resolve Pay
- Ecommerce platforms: Shopify, BigCommerce, WooCommerce, Magento
- ERP systems: NetSuite, Sage Intacct
- Accounting software: QuickBooks, Xero
- API: Yes (REST)
Behalf
- Integrations: Unknown (ceased operations)
Playter
- Ecommerce platforms: None documented
- ERP systems: None documented
- Accounting software: Cloud accounting connections
- API: Limited
Resolve Pay's integration ecosystem spans the full B2B commerce technology stack. The 2025 BigCommerce Innovative Integration Award recognizes the platform's ecommerce capabilities, while deep ERP connections enable enterprise deployments with two-way data synchronization.
Resolve Pay for B2B Sellers
Resolve Pay is designed for B2B sellers that want to offer customer payment terms while improving cash-flow predictability, managing credit workflows, and automating accounts receivable processes.
When Resolve Pay Fits Your Business
Supplier-side net terms for US/Canada markets
B2B manufacturers, distributors, and wholesalers that sell to business buyers expecting Net 30/60/90 payment terms benefit from Resolve Pay's integrated platform. The solution enables sellers to receive immediate cash while buyers pay on terms, addressing the working capital constraints that traditional net terms create.
Non-recourse credit risk management
Sellers looking to reduce bad debt exposure on eligible approved invoices can leverage Resolve Pay's non-recourse advances. The platform manages buyer credit assessment, underwriting, and collections, helping sellers reduce applicable non-payment exposure while accelerating cash flow.
Comprehensive AR automation
Companies where manual invoice management, reconciliation, and collections consume significant staff time can benefit from the platform's automation capabilities. Advances on eligible approved invoices can shorten the seller's wait for cash, while AR automation supports invoicing, reconciliation, collections, and payment tracking.
B2B ecommerce integration
Sellers operating B2B Shopify, BigCommerce, WooCommerce, or Magento stores can offer net terms at checkout without manual credit applications. The platform's ecommerce integrations enable net terms financing directly in the buyer's checkout experience, while a streamlined implementation timeline matters for launch schedules.
How Playter's Model Differs
Playter focuses on UK SME financing through credit lines, short-term cash flow loans, invoice-payment spreading, and broker-assisted funding. Resolve Pay focuses on B2B sellers that want supplier-side net terms financing integrated with credit decisioning, AR automation, payments, and collections.
Real-World Results
Documented customer outcomes demonstrate the tangible business impact of Resolve Pay's integrated platform approach.
Revenue Growth and Business Expansion
Customers across industries report significant revenue acceleration after implementing Resolve Pay:
- SS&SI Dealer Network achieved 5x revenue growth by enabling competitive net terms across their dealer network
- Archipelago Lighting tripled revenue while reducing credit approval time from 10 days to 24 hours
- Nandansons grew sales 75% through the partnership
- ConEquip (construction equipment) reported 30% year-over-year growth
Operational Efficiency Gains
The AR automation and collections capabilities deliver measurable productivity improvements:
- Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours
- Elston Materials increased margins from 25% to 30% through operational efficiencies
- Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently
- RentAll Construction reported quicker receivables contributing to healthier cash flow management
Cash Flow Transformation
Customer results including 5x revenue growth and 90% AR workload reduction provide examples of the platform's impact, while eligible invoice advances can help sellers access cash sooner. Most teams can launch in under one week, although implementation timing varies with the integration and workflow scope.
Why Resolve Pay Serves US and Canadian B2B Sellers
These platforms differ materially in operational status, geographic coverage, and product scope for businesses evaluating B2B payment solutions.
Operational and Geographic Considerations
Resolve Pay is fully operational serving US and Canadian B2B sellers with 15,000+ businesses using the platform. Behalf ceased operations entirely in January 2023. Playter operates in the UK market following its acquisition by Shawbrook.
For US and Canadian B2B sellers seeking to offer competitive payment terms while maintaining healthy cash flow and reducing credit exposure, Resolve Pay combines net terms financing with AR automation and payment workflows.
Integrated Platform Capabilities
Resolve Pay combines credit decisioning, net terms financing, AR automation, and agentic collections in a single platform. The integration eliminates the need for multiple separate vendors and reduces operational complexity.
Customer validation through the 5.0/5 G2 rating and 15,000+ business customer base demonstrates proven market fit. Customer results including 5x revenue growth, 90% AR workload reduction, and operational improvements provide concrete evidence of platform effectiveness.
Technical Integration Depth
Comprehensive integrations across ecommerce (Shopify, BigCommerce, WooCommerce, Magento) and ERP systems (NetSuite, Sage Intacct, QuickBooks, Xero) enable deployment across diverse technology environments. The 2025 BigCommerce Innovative Integration Award recognizes this technical excellence.
Frequently Asked Questions
What is the main difference between Resolve Pay, Behalf, and Playter?
Resolve Pay is an active supplier-side B2B payments platform serving US and Canadian businesses with non-recourse advances and comprehensive AR automation. Behalf ceased operations in January 2023. Playter operates in the UK SME market with business financing and flexible invoice-payment products. These represent different business models serving different markets.
How does Resolve Pay help B2B sellers manage credit risk?
Resolve Pay provides non-recourse advances on eligible approved invoices. Resolve Pay manages buyer credit assessment, underwriting, and collections, helping sellers reduce applicable non-payment exposure while accelerating cash flow. Advance eligibility and amounts depend on Resolve Pay's underwriting and buyer verification.
Can businesses with limited credit history use Resolve Pay?
Resolve Pay's AI credit engine evaluates thousands of data points including cash flow trends, payment history, and behavioral signals rather than relying solely on traditional credit bureau scores. This approach enables credit decisions for businesses that may not have extensive credit histories. Approvals arrive in as little as 24 hours for many transactions.
What types of industries work with Resolve Pay?
Resolve Pay targets mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers seeking to offer Net 30/60/90 terms while receiving immediate cash advances.
Is Playter available for US businesses?
No. Playter operates in the UK market and is unavailable for US or Canadian businesses. The platform's acquisition by Shawbrook in December 2025 reinforces this UK-focused positioning. US businesses seeking B2B net terms financing and AR automation should evaluate Resolve Pay as the comprehensive North American solution.
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.
