Resolve Pay vs Billtrust vs FundThrough: 2026 Comparison

Resolve Pay vs Billtrust vs FundThrough compares three different B2B finance models: buyer-facing net terms financing with AR automation, enterprise receivables operations, and receivables funding. The better starting point is not which platform has the longest feature list, but which workflow your team needs to improve first. For suppliers that want to offer terms, approve buyers faster, protect cash flow, and reduce manual accounts receivable work, Resolve Pay is the strongest overall fit because it connects B2B net terms, credit decisions, invoice funding, collections, and reconciliation in one workflow.

That distinction matters because many B2B payment problems look similar from the outside. A supplier waiting on invoices may need better terms infrastructure, a large finance team may need broader invoice-to-cash controls, and a business with issued invoices may need receivables funding. The Federal Reserve notes that B2B payments still involve complex workflows, multiple payment methods, and reconciliation challenges. Electronic invoice adoption also remains important for improving payment efficiency, as shown by the U.S. Faster Payments Council. In that environment, Resolve Pay gives suppliers a practical way to offer terms while keeping cash flow, credit risk, and receivables operations under control.

Key Takeaways

• Resolve Pay supports supplier-side growth: Resolve Pay helps suppliers offer net terms while connecting buyer credit decisions, invoice funding, collections, and AR automation in one workflow.
• Billtrust is more receivables-operations focused: Billtrust is best understood as an enterprise invoice-to-cash and receivables operations platform for larger finance teams.
• FundThrough is more funding focused: FundThrough is most relevant when a business wants to accelerate cash from invoices that have already been issued.
• Workflow timing matters most: Resolve Pay starts earlier in the sale by supporting buyer approvals and payment terms before an invoice becomes a collection issue.
• AR automation is central to Resolve Pay: Resolve Pay helps teams reduce manual receivables work through accounts receivable automation, payment reminders, collections support, and reconciliation.
• Resolve Pay is the best fit for suppliers: For manufacturers, wholesalers, distributors, and B2B ecommerce teams, Resolve Pay is the most direct fit when the goal is to offer terms confidently and get paid faster.

Quick Overview

Resolve Pay: Resolve Pay is built for suppliers that want net terms financing, non-recourse support on approved transactions, AR automation, and faster supplier payment in one B2B workflow. It helps merchants offer flexible payment terms, manage buyer credit decisions, automate invoicing and collections, and connect payment data into ecommerce, ERP, and accounting systems.

Billtrust: Billtrust is best understood as an enterprise receivables operations platform. It fits finance teams that want to improve invoice delivery, payment capture, remittance handling, cash application, and collections across a larger order-to-cash environment.

FundThrough: FundThrough is best understood as a receivables funding option for businesses that want faster access to cash from invoices that already exist. It fits teams focused on post-invoice liquidity rather than buyer-facing net terms at checkout or order approval.

At a Glance

A useful way to compare these platforms is to separate buyer-approval workflows from post-invoice liquidity workflows. Resolve Pay sits closest to the commercial workflow because it helps suppliers offer terms and still improve cash flow. Billtrust is more aligned with enterprise finance teams managing receivables at scale. FundThrough is more aligned with businesses that already have invoices and want to access cash sooner.

Feature-by-Feature Comparison

Instead of treating these platforms as direct substitutes, it is more accurate to compare how each one supports the order-to-cash process.

This comparison shows why the category can become confusing. All three platforms touch cash flow, but they do not solve the same problem at the same point in the transaction. Resolve Pay is the stronger fit when the supplier wants to offer buyer-friendly terms and keep receivables under control from the start.

Strengths by Workflow

Every buyer evaluating Resolve Pay vs Billtrust vs FundThrough should compare the platforms at the workflow level rather than as interchangeable finance tools.

1. Resolve Pay: Net Terms Financing with AR automation

Resolve Pay is built for suppliers that want to offer B2B buyers net terms without creating a cash-flow gap for the seller. The product combines automated buyer credit checks, net terms financing, accounts receivable automation, and collections workflows, so finance teams do not need to stitch together separate tools for trade credit, invoicing, reminders, and reconciliation.

That matters because Resolve Pay changes the operating model earlier in the customer journey. Instead of waiting until an invoice exists and then deciding how to collect or finance it, a supplier can make terms available at the point of sale. The same workflow supports approved exposure, payment reminders, collections, and reconciliation. For B2B ecommerce teams, manufacturers, wholesalers, and distributors, this is often more useful than adding a downstream funding product.

Resolve Pay also fits the way modern B2B commerce is moving. Its B2B payments platform supports net terms, invoicing, payment workflows, and integrations in one system. For teams that sell online, Resolve Pay can also support net terms checkout experiences that let buyers apply for terms in the purchasing flow.

Key features

• Buyer credit decisioning through Resolve Pay’s smart credit workflows.
• Non-recourse support on approved transactions, helping suppliers reduce buyer default exposure.
• Faster supplier payment on approved invoices compared with waiting through the full invoice term.
• AR automation for invoicing, reminders, collections, and reconciliation.
• A branded buyer payment portal that can support ACH, wire, credit card, and check payments.
• ERP, accounting, and ecommerce integrations through Resolve Pay integrations.
• Credit and AR visibility through dashboards and workflow automation.
• Support for sellers that want a modern factoring alternative.

Strengths

• Resolve Pay is positioned earlier in the buyer approval and invoicing workflow.
• The platform brings credit decisioning, cash-flow support, and receivables workflow into one product.
• Resolve Pay’s non-recourse structure on approved transactions gives CFOs and controllers a clearer way to support sales growth without taking on the same exposure as self-managed trade credit.
• The platform is especially relevant for suppliers that want to offer terms without turning finance teams into a manual credit and collections department.
• Resolve Pay is a strong fit for teams that want to improve DSO, automate AR, and preserve buyer experience in one workflow.

Best for

Resolve Pay is the best fit for suppliers that want trade credit to become part of their growth motion, not just a back-office financing decision. It is especially relevant for wholesalers, manufacturers, distributors, and B2B ecommerce teams that need to extend terms confidently, preserve customer experience, and reduce manual AR work.

If your priority is offering terms upfront while keeping collections and reconciliation under control, Resolve Pay is the strongest match in this comparison. Teams evaluating deployment details can review Resolve Pay’s AR automation resources and integration options to see how the workflow connects with existing finance systems.

2. Billtrust

Billtrust is a receivables operations platform for finance teams that need more control across invoicing, payment acceptance, remittance handling, cash application, collections, and customer credit workflows. In this comparison, it stands apart because it is primarily a software and process-automation decision rather than a buyer-facing net terms financing decision.

That scale matters for buyers evaluating operational maturity. Billtrust is the kind of platform teams consider when invoice volume, payment complexity, and reconciliation discipline are already meaningful challenges. A Billtrust release describes the company as processing a large volume of invoice dollars annually, which supports its enterprise receivables positioning.

That does not make Billtrust a direct substitute for Resolve Pay. It makes Billtrust more relevant when the center of the project is improving invoice-to-cash operations across a larger finance organization. Resolve Pay is more relevant when the center of the project is offering buyer-facing terms while improving supplier cash flow and AR control.

Key features

• Receivables workflow coverage across invoicing, payments, remittance, cash application, and collections.
• Enterprise-oriented receivables operations for finance teams with larger invoice volumes.
• Support for invoice presentment, payment capture, and customer payment workflows.
• Workflow controls for teams modernizing receivables operations.

3. FundThrough

FundThrough is the most straightforward to understand in this comparison because it is built around receivables funding. The product helps businesses accelerate cash from receivables they have already created rather than helping them offer buyer-facing terms at the start of the sale.

That distinction makes FundThrough relevant when a business does not need a broader AR transformation or a full net terms workflow. If the immediate objective is to get cash out of approved invoices more quickly, the funding model can be easier to map to a single use case.

For suppliers comparing FundThrough with Resolve Pay, the main question is where the cash-flow problem begins. If the problem starts after invoices already exist, receivables funding may be relevant. If the problem starts when buyers ask for terms, or when sales teams need a faster way to approve buyers and preserve cash flow, Resolve Pay is the more complete supplier-side workflow.

Key features

• Receivables funding focused on existing invoices.
• Accounting-system-connected funding workflows.
• Qualification tied to receivables and customer payment expectations.
• A narrow use case centered on cash acceleration after invoice creation.

Security, Compliance, and Documentation

Security and documentation matter in Resolve Pay vs Billtrust vs FundThrough because these platforms touch invoices, buyer data, payment instructions, and receivables workflows.

Billtrust is more often evaluated through an enterprise receivables operations lens, where formal process documentation, audit readiness, and system controls may be part of the buying process. That makes it relevant for larger finance teams that need a broad invoice-to-cash platform.

FundThrough is more funding-oriented. The documentation review usually focuses on invoice eligibility, customer payment redirection, funding workflow, and accounting-system connections.

Resolve Pay should be evaluated through a supplier-side trade credit lens. The key question is whether the business wants credit controls, non-recourse support on approved transactions, and ERP-connected workflow data in one environment. For many suppliers, that operating simplicity is the more important risk-control advantage because it keeps credit decisions, payment timing, collections, and reconciliation tied to the same workflow.

Connectors, Integrations, and Onboarding

Connectors matter because a product that fits financially but does not fit your ERP, accounting, or ecommerce environment can create hidden implementation work.

Billtrust is generally evaluated for broader enterprise receivables workflows. That can make sense for finance teams with complex invoice delivery, payment acceptance, remittance, and cash application requirements.

FundThrough has a narrower integration story because the workflow centers on receivables funding and accounting-system connectivity. That can be useful when a business wants to fund invoices that already exist without changing the full customer payment workflow.

Resolve Pay is strongest when the team wants onboarding tied to the selling workflow. Resolve Pay supports ecommerce, ERP, accounting, and API-based workflows through financial stack integrations. It is especially relevant when a supplier wants buyer approvals, invoicing, collections, and reconciliation connected across the systems that already manage orders and payments.

How to Evaluate Workflow Fit

Evaluate each platform by where the most expensive friction starts in your order-to-cash process: buyer approvals, receivables operations, or post-invoice funding.

Many buying teams compare these products side by side because all three touch cash flow. That is understandable, but it can flatten three distinct problems into one shortlist. A cleaner way to evaluate them is to ask what your team is really trying to improve first.

If the bottleneck starts at checkout

If the core problem starts at checkout or buyer onboarding, the platform needs to help sales offer terms without slowing approvals or forcing finance to absorb more credit exposure. That points to Resolve Pay.

The commercial benefit is not just faster funding. It is the ability to turn trade credit into a controlled growth lever through buyer approvals, net terms, and supplier payment in one connected motion. Teams that sell online can see how that motion works in practice through Resolve Pay’s ecommerce net terms resources.

If the bottleneck starts after invoicing

If the core problem starts after invoices are already going out, the workflow usually looks different. The finance team may already have buyer policies and payment processes in place, but the day-to-day work around invoice delivery, payment capture, remittance matching, and collections may still be too manual.

That is where Billtrust becomes a relevant comparison point. Its workflow is more aligned with invoice-to-cash operations and receivables process control. For teams focused on enterprise AR modernization, Billtrust belongs in the evaluation set, but it should not be confused with Resolve Pay’s supplier-side net terms and payment workflow.

If the bottleneck starts after the receivable is booked

If the core problem starts after the receivable is already booked and the team simply wants cash faster, focus on funding workflow, invoice eligibility, buyer notification, and how often the business expects to fund invoices.

That points to FundThrough as a receivables funding comparison. It is most relevant when the real job is converting existing invoices into working capital. Resolve Pay becomes the stronger fit when the team wants to solve the problem earlier by offering terms, automating buyer credit decisions, and improving receivables from the start.

Who Should Choose Resolve Pay?

Resolve Pay is the strongest choice when your business wants to offer B2B terms confidently and still keep cash moving at supplier speed.

Choose Resolve Pay when most of these statements describe your situation:

• You want to offer buyers net terms without waiting through the full payment period to improve cash flow.
• You want non-recourse support on approved transactions instead of carrying buyer default exposure alone.
• You want a platform that combines trade credit, invoicing, collections, and reconciliation.
• You want buyer credit workflows that support sales instead of slowing the customer experience.
• You need ERP, accounting, and ecommerce integrations that keep buyer, invoice, and payment data connected.
• You are comparing receivables funding with a broader supplier workflow and want a platform built to support DSO improvement.
• You want a modern B2B payment workflow that can scale across ecommerce, sales-assisted, and offline channels.

For this use case, Resolve Pay is not just another finance tool in the stack. It is a way to make B2B buy-now-pay-later and trade credit part of the selling motion while still protecting cash flow.

Final Verdict

Resolve Pay, Billtrust, and FundThrough all support B2B cash-flow workflows, but they do not solve the same problem in the same way. Billtrust is a relevant comparison point for enterprise receivables operations, and FundThrough is a relevant comparison point for post-invoice funding. For suppliers evaluating this category, however, the higher-value question is usually how to offer terms, approve buyers, automate receivables, and get paid faster without building a fragmented AR stack.

That is where Resolve Pay is the strongest fit. It helps suppliers turn payment terms into a controlled growth lever by connecting credit decisions, net terms, invoice funding, collections, and reconciliation in one workflow. For manufacturers, wholesalers, distributors, and B2B ecommerce teams, Resolve Pay is the most practical choice when the goal is to offer buyer-friendly terms while keeping cash flow and AR operations under control.

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Frequently Asked Questions

How do Resolve Pay and Billtrust differ on net terms?

Resolve Pay makes net terms part of a buyer-facing supplier payment workflow, while Billtrust is more focused on receivables operations after a company has already defined its credit and invoicing processes. Resolve Pay starts earlier in the sale by supporting buyer approvals, terms, and supplier payment. Billtrust goes deeper into invoice-to-cash operations for finance teams managing receivables at scale.

How is Resolve Pay different from FundThrough’s receivables funding model?

Resolve Pay supports buyer approvals, net terms, supplier payment, and AR automation before invoices become a cash-flow problem. FundThrough is more focused on receivables funding after invoices already exist. That makes Resolve Pay the stronger fit when the goal is to enable sales and credit growth, not just fund receivables after issuance.

How fast can Resolve Pay help suppliers get paid?

Resolve Pay is designed to help suppliers get paid faster on approved invoices instead of waiting through the full buyer payment term. Its workflow supports buyer credit decisions, approved invoice funding, payment reminders, collections, and reconciliation, which helps suppliers improve cash flow while still offering customers flexible terms.

Which integrations matter most when comparing these platforms?

The most important integrations are the systems closest to your bottleneck, usually ERP, accounting, ecommerce, and checkout tools. Resolve Pay is especially relevant when you need integrations tied directly to buyer approvals, invoicing, collections, and reconciliation. Billtrust is more relevant for enterprise receivables operations, while FundThrough is more focused on accounting-connected funding workflows.

Why would a supplier choose Resolve Pay instead of traditional factoring?

Suppliers choose Resolve Pay when they want buyer approvals, net terms, non-recourse support on approved transactions, faster supplier payment, and AR automation in a single workflow. That makes it a stronger option when the goal is to offer terms confidently and improve the buyer experience, rather than only financing invoices after they are issued.

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.