If you're evaluating B2B net terms platforms in 2026, you're likely dealing with a real cash flow problem: buyers expect 30, 60, or 90 days to pay, while your business still needs predictable working capital, accurate receivables, and a scalable way to manage credit risk. That challenge becomes more complex when sales happen across ecommerce, ERP, invoice, and offline channels, because each added workflow can create more manual reconciliation for finance teams.
Resolve Pay, Billie, and Balance Payments all support B2B payment flexibility, but they are built around different operating models. Resolve Pay's net terms platform is designed for North American B2B suppliers that want to offer terms, get paid upfront on approved invoices, reduce credit exposure, and automate accounts receivable workflows. Billie focuses on European B2B buy now, pay later checkout experiences. Balance Payments focuses on embedded B2B checkout and payment infrastructure for ecommerce-led businesses.
This comparison explains how the platforms differ across positioning, payment terms, risk model, integrations, and use cases. The goal is not to choose the broadest platform on paper, but to identify the platform that best matches how your business sells, invoices, collects, and reconciles payments in 2026.
B2B suppliers are evaluating dedicated net terms financing platforms because traditional net terms create a gap between when revenue is earned and when cash is collected. A buyer may want to pay later, but the supplier still needs to fund inventory, payroll, shipping, and operating costs.
That gap is especially difficult for businesses with high order values, repeat wholesale buyers, seasonal demand, or large receivables balances. When net terms are managed manually, the finance team also has to handle credit checks, invoice reminders, payment follow-up, and reconciliation between systems.
Three pressures are pushing more teams toward automated B2B payment platforms:
When suppliers offer Net 30, Net 60, or Net 90 manually, they often carry the receivable until the buyer pays. That can constrain inventory purchases, vendor payments, and growth planning. Platforms like Resolve Pay help suppliers offer buyer-friendly terms while receiving upfront payment on approved invoices.
Business buyers often expect payment terms as part of the purchasing relationship. Flexible terms can make larger orders easier to place, especially for buyers managing their own working capital cycles.
Traditional receivables management often requires spreadsheets, invoice emails, payment reminders, manual credit review, and reconciliation across accounting systems. That creates avoidable work for finance teams and increases the risk of mismatched records. Resolve Pay addresses this through accounts receivable automation that connects credit, invoicing, collections, payment acceptance, and reconciliation.
B2B net terms financing is a payment model that lets business buyers purchase now and pay later, while the supplier receives payment faster through a financing or payments platform.
In a traditional net terms setup, the supplier invoices the buyer and waits for payment. In a financed net terms setup, the platform evaluates the buyer, approves eligible purchases, advances payment to the supplier, and collects from the buyer later.
For suppliers, this can support:
Resolve Pay combines this financing layer with B2B payments, buyer credit decisioning, branded payment portals, payment reminders, collections workflows, and accounting integrations.
Resolve Pay is a B2B payments and net terms platform for suppliers that want to offer terms while improving cash flow and reducing receivables risk. It supports credit decisioning, invoice advancement, collections, branded payment workflows, and reconciliation.
The platform is built for manufacturers, wholesalers, distributors, and B2B merchants that need to serve buyers across ecommerce, invoice, and offline sales channels. Resolve Pay supports net terms such as Net 30, Net 45, Net 60, and Net 90, subject to buyer verification and approval.
Resolve Pay also connects with systems such as QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento through its integration options. This makes it a strong fit for suppliers that want net terms to work inside their existing finance and ecommerce stack.
Billie is a Berlin-based B2B buy now, pay later platform focused on buyer-facing checkout experiences for European merchants. Its model is centered on invoice-based B2B payment flexibility at checkout and post-purchase buyer payment management.
Billie is most relevant for merchants operating in European markets where invoice terms and B2B checkout financing are common. It is often evaluated by businesses that prioritize a checkout-based BNPL experience for buyers rather than a broader supplier-side AR automation workflow.
Balance Payments provides B2B payment infrastructure for ecommerce brands, marketplaces, and platforms. Its focus is embedded checkout, payment method flexibility, invoicing, and payment workflows for digital B2B transactions.
Balance Payments is often evaluated by teams that want to embed multiple B2B payment options into a checkout or platform experience. This can include ACH, wire, check, card, net terms, installments, or milestone-style payment flows depending on the program and implementation.
Resolve Pay, Billie, and Balance Payments all support B2B payment flexibility, but they are not interchangeable. Resolve Pay is strongest for North American suppliers that need non-recourse net terms, upfront payment, and AR automation. Billie is focused on European B2B BNPL checkout. Balance Payments is focused on embedded B2B payment infrastructure.
|
Feature |
Resolve Pay |
Billie |
Balance Payments |
|---|---|---|---|
|
Primary focus |
Supplier-side net terms, AR automation, and payment workflows |
European B2B BNPL checkout |
Embedded B2B checkout and payment infrastructure |
|
Core customer |
Manufacturers, wholesalers, distributors, and B2B merchants |
European B2B merchants |
Ecommerce brands, marketplaces, and platforms |
|
Geographic fit |
United States and Canada |
Europe-focused |
US and international ecommerce use cases |
|
Net terms support |
Net 30, Net 45, Net 60, Net 90, subject to approval |
Deferred B2B invoice payment options |
Net terms, installments, and other embedded payment options |
|
Credit decisioning |
AI-driven buyer credit decisions |
Automated buyer checks |
Automated risk and payment workflows |
|
Supplier payment |
Upfront payment on approved invoices |
Program-dependent merchant settlement |
Program-dependent payment flow |
|
Risk model |
Non-recourse on approved advances |
Program-dependent |
Program-dependent |
|
AR automation |
Credit, invoicing, collections, payment reminders, and reconciliation |
Checkout and buyer payment management |
Invoice-to-cash and checkout payment workflows |
|
ERP and accounting integrations |
QuickBooks, NetSuite, Sage Intacct, Xero, and others |
European commerce and payment stack integrations |
API-first and connector-based workflows |
|
Ecommerce integrations |
Shopify, BigCommerce, WooCommerce, Magento, and flexible APIs |
European ecommerce and payment integrations |
Ecommerce and platform integrations |
|
Payment methods |
ACH, wire, credit card, check, and net terms |
Invoice and deferred payment flows |
ACH, wire, check, card, installments, and other payment methods |
|
Buyer portal |
Branded payment portal |
Buyer-facing portal experience |
Embedded and portal-style workflows |
Resolve Pay is built around the supplier-side problem: how to offer business buyers flexible payment terms without forcing the supplier to wait weeks or months for cash.
Through Resolve Pay accounts receivable, suppliers can manage credit decisioning, net terms, invoice workflows, collections, and reconciliation in one platform. This makes Resolve Pay especially relevant for B2B sellers that already have repeat buyers, negotiated order flows, and a finance team responsible for keeping receivables clean.
Resolve Pay is best for North American B2B suppliers that want to offer net terms while improving cash flow and reducing manual AR work. It is especially relevant for:
For suppliers currently managing buyer credit, invoice reminders, and reconciliation manually, Resolve Pay provides a more connected way to run net terms.
Billie is focused on B2B buy now, pay later checkout experiences for European merchants. It is commonly evaluated by businesses that want to add deferred invoice payment options to online checkout and provide buyers with a more flexible payment experience.
Billie is best suited for European merchants that want to add B2B BNPL at checkout and serve buyers in markets where invoice-based payment is common. It is most relevant when the main requirement is a buyer-facing checkout financing experience rather than a broader North American supplier-side receivables workflow.
Balance Payments is focused on B2B payment infrastructure for ecommerce brands, marketplaces, and platforms. Its strength is embedded payment flexibility, helping companies offer multiple payment methods and invoice flows inside digital purchasing experiences.
Balance Payments is best suited for ecommerce-led B2B businesses, marketplaces, and platforms that need payment method flexibility in a digital checkout environment. It is especially relevant when the business wants infrastructure for multiple payment types across a product-led or platform-led purchasing experience.
Resolve Pay is the strongest fit when the core business problem is supplier-side cash flow and receivables management. If your buyers want terms, your team wants faster payment, and your finance workflow depends on accurate accounting records, Resolve Pay is built for that full cycle.
Resolve Pay is designed for North American suppliers that sell to business buyers and need to offer terms without carrying unnecessary receivables risk. This includes manufacturers, wholesalers, distributors, and B2B merchants.
If your team already runs receivables through QuickBooks, NetSuite, Sage Intacct, Xero, or another accounting system, Resolve Pay's financial integrations help keep payment records connected to your source of truth.
Resolve Pay's non-recourse structure is important for suppliers that want to offer buyer credit without taking on the full credit risk themselves. Approved advances are designed so the supplier keeps the advance while Resolve Pay manages repayment risk and collections.
B2B ecommerce sellers can use Resolve Pay to embed terms into checkout and support buyers who prefer invoice-based payment. This matters as digital B2B commerce continues to grow, with the U.S. Census Bureau tracking ecommerce activity across major sectors of the economy.
Suppliers that have considered factoring often want faster cash flow, but not necessarily the operational experience of traditional invoice factoring. Resolve Pay positions itself as a modern alternative by combining credit, invoice advancement, payments, and AR automation.
Resolve Pay is not only a checkout payment option. It is designed to support the complete net terms lifecycle.
Resolve Pay evaluates business buyers using AI-driven credit decisioning and available business data. This reduces the need for suppliers to run manual credit reviews for every buyer request.
Approved buyers can receive terms such as Net 30, Net 45, Net 60, or Net 90, depending on the program, buyer profile, and approval.
Resolve Pay advances payment on approved invoices so suppliers can access cash faster while buyers keep their agreed payment schedule.
Resolve Pay handles payment workflows, reminders, and collections, helping suppliers avoid turning their internal teams into a manual collections function.
Resolve Pay syncs payment and invoice activity back into connected accounting and ERP systems, helping finance teams reduce manual entry and keep receivables records accurate.
Resolve Pay is the best fit for North American B2B suppliers that want to offer net terms, get paid faster on approved invoices, reduce credit exposure, and automate receivables workflows.
For manufacturers, wholesalers, distributors, and B2B merchants, Resolve Pay provides the strongest supplier-side platform in this comparison because it connects net terms, credit decisioning, non-recourse invoice advancement, payment workflows, collections, and reconciliation in one system.
If your business wants to offer buyer-friendly terms without building a larger credit and AR operation internally, Resolve Pay is the most aligned choice.
The main difference is market focus and workflow. Resolve Pay is built for North American B2B suppliers that want net terms, upfront payment on approved invoices, non-recourse risk transfer, and AR automation. Billie focuses on B2B BNPL checkout experiences for European merchants.
Resolve Pay focuses on supplier-side net terms financing and accounts receivable automation. Balance Payments focuses on embedded B2B payment infrastructure for ecommerce brands, marketplaces, and platforms that need multiple payment methods inside checkout and invoice workflows.
Yes. Resolve Pay supports net terms such as Net 30, Net 45, Net 60, and Net 90, subject to buyer verification and approval. The platform helps suppliers offer those terms while receiving upfront payment on approved invoices.
Yes. Resolve Pay provides non-recourse advances on approved invoices, which means Resolve Pay takes on the credit risk for approved buyers while the supplier keeps the advance.
Resolve Pay is best suited for North American B2B suppliers, including manufacturers, wholesalers, distributors, and B2B merchants that want to offer net terms, improve cash flow, reduce manual AR work, and connect payment workflows with their ecommerce, ERP, or accounting systems.
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.