In 2026, B2B companies need to accelerate cash flow while offering competitive payment terms, making the right financing solution a critical business decision. Resolve Pay, Capchase, and Apruve, now part of TreviPay, represent different approaches to this challenge. Capchase focuses on vendor financing and flexible payment options for B2B software and hardware purchases, while Apruve became part of TreviPay’s global B2B payments and invoicing network. Resolve Pay delivers an integrated solution for B2B suppliers that want to offer net terms, receive faster payment on approved invoices, automate accounts receivable, and reduce repayment risk through a single platform. The Small Business Credit Survey tracks how businesses access financing and manage cash flow challenges, while Federal Reserve payments research shows the evolving landscape of B2B payment activity. For manufacturers, distributors, wholesalers, and B2B sellers seeking growth without cash flow constraints, understanding which platform aligns with specific business needs can make the difference between operational efficiency and unnecessary complexity.
The B2B payments landscape includes several platform types: embedded net terms financing, accounts receivable automation, revenue-based financing, vendor financing, and enterprise trade credit programs. Each serves different business models, buyer experiences, and cash flow needs.
Resolve Pay operates as a unified B2B commerce platform that integrates net terms financing with advance pay options, AI-powered accounts receivable workflows, credit decisioning, and branded payment portals. The platform supports common B2B payment methods, including ACH, wire, credit card, and check payments, while also offering ecommerce and accounting integrations.
Capchase focuses on flexible payment options and financing workflows for B2B software and hardware purchases. Its platform supports vendor financing, CRM workflows, and payment options that can help sellers structure deals where buyers want payment flexibility.
Apruve became part of TreviPay after a December 2022 acquisition. TreviPay operates as a global B2B payments and invoicing network that supports trade credit, merchant invoicing, and order-to-cash technology for larger buyer and seller networks.
The fundamental difference lies in the operating model. Resolve Pay is built for B2B sellers that want net terms, faster cash flow, credit workflows, and receivables automation in one connected system. Capchase focuses on flexible buyer payment options for B2B deals, while Apruve now sits within TreviPay’s broader global trade credit and invoicing infrastructure.
Best For: B2B businesses with established revenue that need integrated net terms, invoice financing, payment workflows, and AR automation.
Resolve Pay is built for B2B suppliers that need to offer competitive payment terms while maintaining healthy cash flow. The platform combines credit decisioning, invoice advancement, payment processing, collections workflows, and accounting reconciliation into one integrated system, reducing the need to manage separate tools for credit, payments, receivables, and collections.
Resolve Pay’s net terms and Advance Pay options help B2B suppliers manage the cash flow gap created by extended payment terms. Instead of waiting through the full buyer repayment period, merchants can receive advances on approved invoices while buyers keep the agreed payment window.
The non-recourse structure is central to Resolve Pay’s value. When Resolve Pay approves a buyer for credit and advances an eligible invoice, the seller keeps the advance even if the approved buyer later fails to pay, subject to program terms, buyer verification, and valid invoice requirements. This helps sellers offer terms with more confidence instead of carrying the full repayment risk internally.
A typical Resolve Pay workflow includes:
Resolve Pay’s business credit checks help sellers evaluate buyers before extending terms. The platform combines AI, behavioral signals, and credit expertise to support faster, data-rich decisions.
For many B2B suppliers, this matters because traditional trade credit can slow down sales. Manual credit applications, reference checks, and delayed approvals create friction for buyers and extra work for finance teams. Resolve Pay helps streamline that process by supporting discreet business credit checks, buyer verification, and credit recommendations tied to the seller’s terms program.
Credit decisions, limits, and advance amounts are subject to buyer eligibility and Resolve Pay approval. This keeps the process structured while still giving sellers a faster path to qualified net terms.
Beyond financing, Resolve Pay supports the operational side of accounts receivable. Its platform helps automate invoicing workflows, payment reminders, collections activity, reconciliation, and buyer payment experiences.
Resolve Pay’s AR automation can support:
This makes Resolve Pay useful for businesses that do not only need financing. Many sellers also need a cleaner credit-to-cash workflow that reduces repetitive manual follow-up and helps finance teams focus on exceptions.
Resolve Pay connects with ecommerce, accounting, and ERP systems through payment integrations. Supported systems include QuickBooks Online, Xero, NetSuite, Sage Intacct, Magento 2, Shopify, BigCommerce, WooCommerce, and custom API workflows.
For ecommerce sellers, Resolve Pay can help embed net terms into the buying experience. Buyers can apply for terms during checkout or through a seller-branded process, while approved customers can complete purchases with flexible payment terms. This is especially valuable for distributors and wholesalers that want to bring offline trade credit workflows into digital buying channels.
For finance teams, integrations help reduce duplicate entry. Invoice data, payment activity, buyer records, and reconciliation workflows can stay connected across the tools the business already uses.
Traditional factoring is often treated as a separate financing event after invoices are created. Resolve Pay takes a more embedded approach by combining buyer approval, net terms, payment workflows, invoice advancement, and AR automation.
This structure helps B2B sellers offer terms earlier in the sales process rather than waiting until receivables become a cash flow constraint. It also preserves the customer relationship through branded portals and seller-centered workflows.
Resolve Pay is especially relevant for companies that want:
Resolve Pay customer stories show how net terms and AR automation can support growth across industries. Case studies include ConEquip, Archipelago, Shields, and SSSI.
These examples show a consistent pattern: B2B sellers often need to say yes to qualified buyers that want terms, but they also need to keep cash moving. Resolve Pay helps connect those goals by combining credit decisioning, advance pay options, receivables workflows, and payment automation.
Resolve Pay serves established B2B companies with meaningful annual B2B revenue. It is particularly relevant for manufacturers, distributors, wholesalers, ecommerce sellers, and suppliers that sell physical goods or services on invoice-based terms.
The platform fits companies that:
Resolve Pay is not only a financing tool. It is a connected B2B payments and AR platform designed for sellers that want to turn net terms into a structured growth channel.
Resolve Pay was spun out from Affirm’s B2B payments work and was built to help merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payment workflows. The company’s team includes experience from organizations such as Amazon, PayPal, Affirm, and Fortune 500 financial institutions.
Resolve Pay is trusted by thousands of businesses and supports a wide range of B2B industries through embedded credit, invoice financing, payment processing, and receivables automation.
Capchase focuses on flexible payment options and financing workflows for B2B sellers, particularly where larger contracts or payment timing create friction for buyers. Its platform helps sellers offer payment flexibility while collecting contracted value upfront through Capchase-supported workflows.
Capchase is best suited for B2B companies that sell contract-based products or services and want a vendor financing option embedded into the sales process. It can support sellers that need flexible buyer payment structures, CRM-connected deal workflows, and financing tied to contracted purchases.
For companies whose primary need is a full seller-side net terms and AR workflow, Resolve Pay provides a more complete fit because it combines buyer credit decisions, invoice advancement, payment portals, collections workflows, and receivables automation in one platform.
Apruve is now part of TreviPay following a December 2022 acquisition. TreviPay operates a global B2B payments and invoicing network with capabilities across trade credit, order-to-cash technology, merchant invoicing, and managed payment programs.
Apruve and TreviPay are most relevant for enterprises that operate across larger buyer networks, multiple markets, and more complex invoicing requirements. These organizations may need managed services, global infrastructure, and custom program design.
For mid-market B2B sellers operating primarily around domestic net terms, ecommerce checkout, invoice advancement, and AR automation, Resolve Pay provides a more focused seller-side platform that can be implemented around existing finance and commerce workflows.
In 2026, mid-market B2B businesses face a specific challenge: buyers expect flexible terms, but sellers still need predictable cash flow. US Census Bureau ecommerce data continues to track the growth of digital commerce, while the Boston Fed has highlighted payment speed, costs, and management as ongoing challenges for small businesses.
These companies often do not need global enterprise infrastructure or a financing program designed only around contract-based software sales. They need practical tools that help them approve buyers, offer terms, collect faster, reconcile payments, and reduce manual AR work.
Resolve Pay’s integrated approach addresses several pain points at once:
The branded payment portal is especially important for B2B sellers that want to preserve trust. Buyers interact with a seller-branded payment experience rather than feeling pushed into an unfamiliar third-party process. That supports payment flexibility without weakening the customer relationship.
For manufacturers, distributors, and wholesalers selling physical goods on invoice-based terms, Resolve Pay provides a practical path to stronger cash flow, cleaner AR operations, and more confident term offerings.
The right B2B payment solution in 2026 depends on the company’s business model, sales motion, and cash flow needs. Capchase supports flexible payment options and vendor financing workflows for B2B deals. Apruve, now part of TreviPay, fits within a global B2B payments and invoicing network designed for larger and more complex programs.
For B2B suppliers, manufacturers, distributors, wholesalers, and merchants that want to offer net terms while protecting cash flow, Resolve Pay is the most aligned option. It combines non-recourse invoice advancement, AI-supported credit decisions, branded buyer payment portals, AR automation, collections workflows, and integrations into one seller-focused platform.
The main advantage is simplicity. Instead of managing separate vendors for credit checks, invoice financing, collections, payment processing, and reconciliation, Resolve Pay connects the full credit-to-cash workflow. For B2B companies that want to grow through flexible payment terms without turning receivables into a cash flow bottleneck, Resolve Pay provides the strongest fit.
Resolve Pay helps B2B sellers evaluate buyers, offer approved payment terms, advance eligible invoices, process payments, manage reminders, and automate AR workflows. This lets sellers provide buyer-friendly terms while keeping cash flow and receivables operations more structured.
Resolve Pay focuses on seller-side net terms, invoice advancement, payments, and AR automation. Capchase supports vendor financing and flexible buyer payment options for B2B deals. Apruve is now part of TreviPay’s global B2B payments and invoicing network.
Yes. Resolve Pay supports ecommerce workflows through integrations with platforms such as Shopify, BigCommerce, Magento 2, and WooCommerce. Buyers can apply for terms through connected checkout or seller-branded payment experiences, depending on setup and eligibility.
Resolve Pay is built for established B2B sellers, including manufacturers, distributors, wholesalers, and ecommerce merchants. It is especially useful for companies that sell on invoice terms, need faster cash flow, and want to reduce manual credit and AR work.
No. Resolve Pay is designed to connect with existing finance and commerce systems rather than replace them. Its integrations help sync invoice, payment, buyer, and reconciliation workflows across accounting, ERP, and ecommerce tools.
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.