Resolve Pay vs Behalf vs Two

When B2B suppliers evaluate net terms financing platforms, they face a critical decision that directly impacts cash flow, credit risk, and operational efficiency. Among the active solutions in this space, Resolve Pay provides a seller-focused B2B payments platform combining non-recourse invoice advances with comprehensive AR automation. Behalf, once a prominent player, ceased operations in January 2023, leaving former users seeking alternatives. Two operates primarily in European markets with fast credit decisioning capabilities.

This comparison helps manufacturers, wholesalers, and distributors understand the differences between these platforms and how each addresses B2B payment needs. While Behalf is no longer operational, understanding its historical model provides context for businesses evaluating current alternatives.

Key Takeaways

• Resolve Pay provides non-recourse invoice advances on eligible approved invoices, helping sellers reduce exposure to covered buyer non-payment while improving cash-flow predictability
• Behalf ceased operations in January 2023, making all comparisons historical references only; former Behalf users must migrate to active alternatives
• Resolve Pay serves 15,000+ businesses and announced $60M in combined equity and asset funding in 2021, with Initialized Capital leading the round and Commerce Ventures among the participating investors
• Two focuses primarily on European markets across 19 countries with under 2-second credit decisions for high-volume B2B e-commerce scenarios
• Resolve Pay provides comprehensive AR automation covering invoicing, collections, and reconciliation, with customers reporting significant reductions in AR workload
• Resolve Pay maintains a 5.0/5 G2 rating with 100% 5-star reviews, reflecting exceptional customer satisfaction

Understanding B2B Buy Now Pay Later Solutions

The B2B payments landscape has evolved as manufacturers and distributors seek ways to offer competitive payment terms without straining cash flow or assuming credit risk. B2B BNPL solutions enable sellers to extend Net 30, 60, or 90 day terms to business buyers while receiving payment upfront.

Modern net terms platforms solve cash flow gaps by advancing invoice value to sellers immediately while managing buyer collections. Three models dominate the market:

• Seller-focused non-recourse financing: Platforms like Resolve Pay advance funds to sellers and assume risk on eligible approved invoices
• Buyer-side credit facilitation: Historical models like Behalf provided credit directly to buyers for purchases
• Payment processing with embedded financing: Platforms like Two focus on checkout experiences with integrated credit decisions

Understanding these models helps B2B companies select solutions aligned with their operational needs and risk tolerance.

Resolve Pay: Non-Recourse Financing and Complete AR Automation

Resolve Pay operates as a comprehensive B2B payments platform purpose-built for manufacturers, distributors, and wholesalers in the United States and Canada. Developed from the B2B payments work associated with Affirm, the platform combines net terms financing with full accounts receivable workflow automation.

Core Value Proposition

The platform's primary differentiator centers on its non-recourse financing model for eligible approved invoices. When a seller extends Net 30, 60, or 90 day terms through Resolve Pay, they receive up to 90% of the invoice value within 24 hours. Resolve Pay assumes the majority risk of late payments or defaults on eligible approved invoices, subject to program terms.

This risk transfer changes how B2B companies approach trade credit. Rather than maintaining internal credit departments and absorbing bad debt, sellers can offer competitive payment terms knowing their cash flow remains more protected.

AR Automation Capabilities

Beyond financing, Resolve Pay provides end-to-end accounts receivable automation that eliminates manual processes:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match invoice to cash automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite

Trenchless Supply reported that the work required from its team decreased by at least 90% after Resolve Pay helped automate its integration and receivables workflow. This efficiency gain illustrates the operational impact of reducing manual AR work.

AI Credit Engine

Resolve Pay's proprietary credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions typically within 24 hours, with instant approvals available for qualifying smaller purchases.

The platform uses quiet credit checks through business credit checks that do not impact buyer credit scores or trigger notifications, enabling friction-free approval processes that support rather than hinder sales cycles.

Agentic Collections

Resolve Pay's agentic collections feature automates multi-channel follow-up sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response patterns and payment history, preserving customer relationships through professional communication.

The platform automatically pauses sequences when payments or disputes are received and logs all interactions to invoice records. Manufacturing clients report 50-60% DSO improvement through this automated approach.

Behalf: A Historical Reference (Ceased Operations January 2023)

Behalf operated as a B2B financing platform from 2011 until ceasing operations in January 2023. The company had raised approximately $325M in funding before shutting down after operational challenges that began in 2022.

Historical Business Model

Unlike Resolve Pay's seller-focused approach, Behalf operated a buyer-side financing model. The platform provided credit directly to business buyers for purchases from participating vendors. Buyers could access extended payment terms and repay Behalf over time under its buyer-side financing model.

This model served buyers seeking purchase financing rather than sellers seeking to offer terms and maintain cash flow. The fundamental difference in approach meant Behalf addressed a different use case than Resolve Pay's seller-centric platform.

Migration Path for Former Users

The company closed without issuing a public statement explaining the reasons for shutdown. Former Behalf users must now migrate to alternative platforms for their B2B financing needs.

For businesses that previously relied on Behalf's buyer-side credit model, Resolve Pay offers:

• Comprehensive AR automation not available in Behalf's historical financing-only model
• Non-recourse invoice advances on eligible approved invoices
• Native US ERP integrations with QuickBooks, NetSuite, Xero, and Sage Intacct
• Fast implementation typically completing in 1-2 weeks

The shutdown underscores the importance of evaluating platform stability and operational track record when selecting B2B payment solutions.

Two: European B2B Payment Platform

Two operates as a B2B payment platform with primary focus on European markets. The company has processed over $1.1 billion USD in B2B payment volume and handles 100,000+ monthly B2B orders across 19 markets including European countries, the Nordics, and expanding US presence.

Speed-Focused Credit Decisioning

Two's primary differentiator centers on credit decision speed. The platform delivers credit approvals in under 2 seconds through its Delphi AI engine, enabling seamless checkout experiences for B2B e-commerce transactions. This instant decisioning supports high-volume online purchasing scenarios.

Fraud Prevention Capabilities

Two's Frida AI engine focuses on fraud detection, with the company reporting approximately $77 million USD in fraud losses prevented during 2023. The platform achieves 98% buyer verification completion rates through its identity and fraud screening processes.

Geographic and Market Focus

Two's strength lies in European market coverage with operations across 19 countries. The platform supports multi-channel B2B sales including online, direct, and in-store net terms. US businesses should note that Two's accounting and ERP integrations are less prominently featured compared to Resolve Pay's native QuickBooks, NetSuite, Xero, and Sage Intacct connections.

Risk Transfer Structure

Two generally describes its financing as non-recourse, though specific terms may vary by market or solution. Businesses should carefully evaluate risk transfer provisions when considering Two for their operations, particularly when comparing to Resolve Pay's clear non-recourse structure on eligible approved invoices.

Feature Comparison Across Platforms

Understanding the specific capabilities of each platform helps B2B companies make informed decisions.

Operational Status

• Resolve Pay: Active platform serving 15,000+ businesses, with continued product development across B2B payments, net terms, credit, and AR automation
• Behalf: Ceased operations January 2023, no longer available for new implementations
• Two: Active platform with European focus, expanding to US market

Financing and Payment Terms

Resolve Pay offers:

• Up to 90-100% advance on approved invoice value
• Funding within 1-2 business days
• Non-recourse invoice advances on eligible approved invoices
• Net 15, 30, 60, and 90 day terms with custom options

Two offers:

• Merchant paid upfront model
• Instant or same-day funding reported
• Non-recourse terms that may vary by market
• Net 30, 60, and 90 day terms

AR Automation Depth

Resolve Pay provides comprehensive automation:

• Invoice generation synced from ERP systems
• Multi-channel agentic collections with AI calling capabilities
• Automated reconciliation and payment matching
• Real-time AR dashboards and reporting

Two provides:

• Invoicing and payment reminder automation
• Dunning sequences for past-due accounts
• Payment processing capabilities

Integration Ecosystem

Resolve Pay's Integration Depth:

Resolve Pay offers native integrations with major business systems including:

• QuickBooks Online with bi-directional sync
• Xero with automated reconciliation
• Sage Intacct for mid-market enterprises
• Oracle NetSuite for larger operations
• Shopify with embedded checkout
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2 with native module
• REST API with webhooks for custom integrations

Two's Integration Approach:

Two provides e-commerce platform integrations including Shopify, WooCommerce, and Magento, along with connections to European platforms. The platform emphasizes API-first architecture for custom implementations, though accounting system integrations are less prominently featured.

Implementation Timeline

Resolve Pay typically completes implementations in 1-2 weeks, with some teams launching in under one week. The platform provides dedicated onboarding support and comprehensive documentation. Two emphasizes its developer-friendly API approach for custom development work.

Why Resolve Pay Fits B2B Suppliers

Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to offer flexible payment terms while improving cash-flow predictability and reducing receivables administration.

Resolve Pay Capabilities

• North American B2B support for manufacturers, distributors, and wholesalers
• Non-recourse invoice advances on eligible approved invoices
• Complete AR automation spanning credit decisions, invoicing, collections, and reconciliation
• ERP and accounting integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct
• White-label buyer experiences that help sellers maintain their customer relationships
• Flexible ecommerce connectivity through Shopify, BigCommerce, Magento 2, WooCommerce, APIs, and webhooks

Support for Businesses Replacing Legacy Financing Workflows

Businesses moving away from legacy buyer-financing or manual AR processes can use Resolve Pay to combine net terms, credit assessment, invoice advances, payment workflows, collections, and reconciliation in one B2B platform. This seller-focused model helps suppliers extend payment flexibility to approved buyers while keeping their own receivables operations more predictable.

Documented Business Outcomes

Resolve Pay customers report measurable improvements across key metrics:

Revenue Growth:

• ConEquip achieved 30% year-over-year growth through net terms expansion
• Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours

Operational Efficiency:

• Manufacturing clients report 50-60% DSO improvement on average
• Businesses see significant reductions in manual AR workload

Sales Impact:

• Companies offering net terms through Resolve Pay report increased average order values
• Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently

These outcomes demonstrate how Resolve Pay's combination of financing and automation creates compound benefits beyond simple cash flow improvement.

Frequently Asked Questions

What Does Resolve Pay Do for B2B Sellers?

Resolve Pay combines net terms, credit underwriting, invoice advances, accounts receivable automation, payment collection, and reconciliation in one B2B payments platform. It is designed primarily for manufacturers, distributors, wholesalers, and other businesses that sell to business customers on invoice terms.

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay can provide non-recourse advances on eligible approved invoices. Resolve evaluates the buyer, determines eligibility and available credit, and can advance funds to the seller while the buyer keeps its approved payment terms. Coverage remains subject to applicable program terms and transaction requirements.

Which Accounting and ERP Systems Integrate With Resolve Pay?

Resolve Pay integrates with major systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. It also connects with ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce, with API options available for custom workflows.

How Quickly Does Resolve Pay Make Credit Decisions?

Resolve Pay's AI-driven credit process can provide real-time decisions for qualifying buyers, while other applications may require additional review. Resolve states that buyers generally receive responses within hours or within one business day, depending on the transaction and information available.

How Does Resolve Pay Help Automate Accounts Receivable?

Resolve Pay's AR automation platform supports invoicing, payment reminders, collections workflows, payment reconciliation, bookkeeping synchronization, and receivables visibility. These workflows reduce manual tasks while keeping credit, payment, and collection activity connected in one system.

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.