Selecting the right B2B payment solution can determine whether your business maintains healthy cash flow or struggles with tied-up capital and credit risk. The B2B payments landscape includes distinct solution categories, each designed for different business objectives and operational models. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that aligns with their operational needs, growth objectives, and risk tolerance.
Resolve Pay delivers non-recourse net terms financing with complete AR automation for mid-market B2B sellers. BlueVine provides business banking services including checking accounts and working capital access. Apruve, now fully integrated into TreviPay following a December 2022 acquisition, provides managed B2B payments and trade credit programs for organizations with varying requirements.
B2B payment platforms fall into three primary categories based on their core functionality and target market.
Net terms financing platforms enable sellers to offer deferred payment terms (Net 30/60/90) to business buyers while receiving immediate cash advances. These platforms:
The value proposition centers on improving seller cash flow while reducing exposure to customer non-payment.
Business banking platforms provide checking accounts, savings products, payment processing, and working capital credit lines. These platforms serve general business banking needs rather than specifically addressing B2B trade credit or invoice financing requirements. BlueVine operates in this category, offering business banking infrastructure with high-yield checking and lines of credit for qualified businesses.
Managed B2B payment programs deliver invoicing, trade credit, accounts receivable automation, and settlement services. TreviPay operates in this space following its acquisition of Apruve in December 2022. At the time of that acquisition announcement, TreviPay reported processing $7 billion in transaction volume across 32 countries and 19 currencies. These solutions support organizations with complex payment, credit, and settlement requirements.
Traditional invoice factoring requires sellers to retain liability if buyers default on payments. This recourse model means businesses remain financially exposed even after receiving advances. Resolve Pay takes a different approach with non-recourse financing.
Invoice factoring involves selling accounts receivable to a third party at a discount in exchange for immediate cash. Two primary models exist:
Non-recourse advances help reduce bad debt exposure from approved transactions. When Resolve Pay advances funds on an approved invoice, Resolve Pay manages the buyer credit assessment and assumes the applicable non-payment risk covered by the approved advance. According to Federal Reserve data on trade credit, nonfinancial businesses are major borrowers and lenders of trade credit, making credit risk management an important consideration for B2B sellers.
This structure enables businesses to:
Resolve Pay's non-recourse model works through the platform's AI Credit Engine, which evaluates buyer data including cash flow trends, payment history, and behavioral signals. Buyers who pass this evaluation receive approved credit lines. When sellers invoice these approved buyers, Resolve Pay can advance up to 90% of eligible approved invoice value within 24 hours and manages the applicable non-payment risk.
BlueVine's line of credit operates differently. Businesses borrow against a credit line and remain fully liable for repayment regardless of whether their customers pay invoices. This recourse debt structure places risk on the borrowing business. TreviPay can provide guaranteed settlement and credit-risk management within its managed B2B payment programs, with implementation requirements varying according to program complexity.
Manual accounts receivable management consumes significant resources while creating inconsistent customer experiences. Resolve Pay's AR automation platform addresses these challenges through AI-powered workflows.
Resolve Pay automates the complete invoice-to-cash cycle:
Customer-reported results demonstrate automation's impact:
BlueVine offers invoicing and payment-management capabilities within its business banking platform. TreviPay provides managed accounts receivable, invoicing, credit, collections, and settlement capabilities.
Resolve Pay's technology stack includes:
B2B Buy Now Pay Later (BNPL) enables sellers to offer deferred payment terms while receiving immediate payment. This capability transforms competitive positioning for manufacturers and distributors.
Business buyers increasingly expect the same payment flexibility they experience in consumer transactions. Sellers offering Net 30/60/90 terms win orders over competitors requiring payment on delivery. Resolve Pay emerged as a spinout from Affirm, the consumer BNPL pioneer, translating consumer BNPL principles into B2B commerce with backing from executives who previously worked at Affirm, PayPal, and Amazon.
Seller Benefits:
Buyer Benefits:
Resolve Pay's B2B Payment Portal provides white-labeled buyer experiences with branded dashboards showing invoices, credit lines, and payment history. Multiple payment rails include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging through a mobile-responsive checkout experience.
Working capital determines operational capacity. The U.S. Small Business Administration notes that access to working capital helps small businesses fund orders and projects, manage cash flow, and pursue growth opportunities.
Working capital equals current assets minus current liabilities. For B2B sellers, accounts receivable often represent the largest current asset. When customers take 30-90 days to pay, cash remains trapped in receivables rather than available for operations.
Effective working capital optimization includes:
Resolve Pay's Advance Pay directly addresses the receivables challenge. Sellers receive up to 90% of eligible approved invoice value within 24 hours while buyers pay on Net 30/60/90 terms. This structure:
BlueVine's working capital solutions include lines of credit where businesses borrow funds and remain liable for repayment. This approach provides flexible working capital access but maintains full repayment liability.
Integration capabilities determine operational friction. Platforms requiring manual data transfer create inefficiencies and error risks.
Resolve Pay provides native integrations across the B2B technology stack:
Ecommerce Platforms:
Accounting and ERP Systems:
Bi-directional integration eliminates manual processes:
Most Resolve Pay teams launch in under one week with native integrations, while custom implementations accommodate unique workflows through REST API with webhooks and sandbox environments.
Collections present a delicate balance between recovering payments and preserving customer relationships. Aggressive tactics damage relationships while passive approaches extend DSO and increase bad debt.
Resolve Pay's Agentic Collections combines AI automation with relationship preservation:
Resolve Pay provides real-time dashboards showing DSO trends and aging buckets, collection sequence performance, payment velocity by customer segment, and portfolio health indicators. Customers report an average DSO reduction of 15-20 days through automated collections workflows.
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to connect financing and receivables operations in one platform. The solution serves mid-market B2B sellers (typically $1M+ annual revenue) who want to offer competitive net terms without cash flow strain and need to reduce credit exposure through non-recourse advances on eligible approved invoices.
Key capabilities that make Resolve Pay well-suited for B2B net terms include:
Customer outcomes demonstrate tangible business impact:
Revenue Growth:
Operational Efficiency:
Margin Improvement:
These results share common patterns: rapid time to value, sustained performance improvements, and efficiency gains that compound as teams focus on strategic activities rather than manual AR work.
Resolve Pay provides non-recourse advances on eligible approved invoices. Resolve Pay manages the buyer credit assessment and credit decision and assumes the applicable non-payment risk covered by the approved advance, helping sellers offer net terms without carrying the same receivables exposure themselves. Advances of up to 90% are available within 24 hours for eligible approved invoices.
Most Resolve Pay teams launch in under a week. Implementation timing depends on the seller's workflow, ecommerce or ERP environment, and integration requirements. Resolve Pay supports prebuilt integrations with major B2B platforms and flexible APIs designed to simplify deployment without lengthy custom development cycles.
Resolve Pay supports ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, along with flexible APIs for other commerce environments. Resolve Pay was recognized with the 2025 BigCommerce Innovative Integration Award. These integrations enable embedded net terms checkout experiences where buyers can apply for credit directly during the purchasing process.
Resolve Pay uses AI-enhanced credit decisioning to evaluate business buyers quickly. Some workflows can generate real-time credit decisions, while ecommerce applicants generally receive a response within hours or within a day depending on the verification required. This enables streamlined checkout experiences without lengthy manual underwriting delays.
Resolve Pay can automate credit workflows, invoicing, payment reminders, reconciliation, bookkeeping synchronization, collections, and payment tracking. These capabilities connect with Resolve Pay's net terms financing and buyer payment experience so finance teams can manage more of the credit-to-cash process in one integrated 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.