Jul 16, 2026
When B2B companies need to improve cash flow while offering flexible payment terms, selecting the right platform becomes an important operational decision. Resolve Pay, Capchase, and Gaviti address different parts of the credit-to-cash cycle. Capchase provides vendor financing for software and hardware purchases, while Gaviti offers invoice-to-cash and accounts receivable automation. Resolve Pay combines net terms financing, credit decisioning, invoice advancement, payments, reconciliation, and collections automation in one platform built for manufacturers, distributors, wholesalers, and other B2B sellers.
Key Takeaways
- Resolve Pay unifies the credit-to-cash workflow: Merchants can manage buyer credit, net terms, invoice advancement, payments, reconciliation, and collections through one connected platform.
- Non-recourse advances protect seller cash flow: Merchants keep advances on approved invoices even when an approved buyer later defaults.
- Capchase focuses on vendor financing: Its platform helps software and hardware vendors offer flexible installment schedules while accessing booked contract revenue sooner.
- Gaviti supports invoice-to-cash automation: Its platform includes collections management, cash application, credit management, analytics, and customer payment workflows.
- Resolve Pay supports online and offline B2B sales: Sellers can offer terms through ecommerce checkout, sales-assisted transactions, marketplaces, and traditional invoicing workflows.
- Embedded integrations reduce manual finance work: Resolve Pay connects with ecommerce, accounting, and ERP systems to synchronize transaction and payment information.
- Resolve Pay is the most complete option for integrated net terms: It is designed for B2B sellers that want financing, credit risk management, payments, and AR automation in one system.
Understanding B2B Payment Solutions for Better Cash Flow
B2B sellers often need to balance two competing priorities. Buyers want time to pay, but sellers need predictable cash flow to purchase inventory, pay suppliers, fund payroll, and accept new orders.
Managing net terms internally can require several separate processes:
- Reviewing credit applications
- Setting and monitoring credit limits
- Creating and delivering invoices
- Tracking invoice aging
- Matching payments to invoices
- Sending payment reminders
- Escalating overdue accounts
- Managing collection risk
Modern B2B payment platforms address different portions of this workflow. Some provide contract or revenue financing. Others automate accounts receivable processes. An integrated platform connects credit, payments, financing, bookkeeping, and collections so information can move through one workflow.
The Federal Reserve’s small business research continues to track financing conditions and operational challenges among employer firms. Meanwhile, the Federal Reserve’s payments research documents the continuing evolution of noncash payment activity. Together, these resources illustrate why access to capital and efficient payment operations remain important for growing businesses.
Understanding Each Platform’s Market Position
Resolve Pay
Resolve Pay is a B2B payments and net terms platform that connects credit underwriting, invoice advancement, payment acceptance, reconciliation, and collections automation.
The company originated from the B2B payments work developed within Affirm before becoming an independent platform in 2018. Its product is designed around a central idea: merchants should be able to increase buyer purchasing power without becoming the bank for their customers.
Resolve Pay supports the entire net terms workflow through:
- AI-powered credit decisioning
- Non-recourse advances on approved invoices
- Net 30, Net 45, Net 60, Net 90, and customized terms
- Automated invoicing and reconciliation
- Branded buyer payment portals
- Payment reminders and collections workflows
- Ecommerce, accounting, and ERP integrations
- Embedded checkout and custom API options
Its accounts receivable platform can manage net terms, cash-on-delivery invoices, and invoices due upon receipt. This gives finance teams a centralized system for different transaction types rather than restricting automation to financed invoices.
Capchase
Capchase provides vendor financing for B2B software and hardware transactions. Its platform allows vendors to offer buyers monthly, quarterly, or other installment schedules while accessing booked revenue from annual or multiyear agreements sooner.
Capchase is closely associated with recurring-revenue businesses, but its current positioning also includes hardware vendors, channel partners, resellers, finance teams, and technology buyers.
Its platform emphasizes:
- Financing for annual and multiyear contracts
- Flexible installment schedules for buyers
- Upfront access to booked contract revenue
- Automated underwriting and workflows
- CRM and finance-system integrations
- Cross-border vendor financing in supported markets
Capchase is most relevant when contract financing is the primary requirement, particularly for businesses selling software, technology, or hardware through annual and multiyear agreements.
Gaviti
Gaviti is an invoice-to-cash and accounts receivable automation platform. It helps finance teams standardize collections activities, monitor outstanding invoices, manage customer communications, apply cash, and improve visibility into receivables.
Its current product suite covers more than reminder automation. Gaviti also supports:
- Collections management
- Cash application
- Credit management and monitoring
- Disputes and deductions
- Invoice distribution
- Customer self-service
- AR analytics and reporting
- Connections with one or multiple ERP systems
Gaviti is positioned for organizations that want to improve their existing invoice-to-cash processes through workflow automation and centralized AR visibility.
1. Resolve Pay for Integrated Net Terms and AR Automation
Integrations: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and custom systems through API connections
Best For: B2B manufacturers, distributors, wholesalers, ecommerce sellers, and service providers that want integrated net terms, invoice advancement, payments, and AR automation
Resolve Pay addresses the broader credit-to-cash cycle rather than treating financing and accounts receivable as separate workflows. Merchants can evaluate buyers, offer appropriate payment terms, receive advances on approved invoices, accept payments, reconcile transactions, and coordinate collections from one platform.
Non-Recourse Invoice Advances
Resolve Pay’s non-recourse structure is central to its value for sellers. When an approved invoice qualifies for an advance, the merchant keeps the amount advanced even if the approved buyer later defaults.
Resolve Pay handles the credit assessment, credit decision, and the majority of the risk associated with late payments or defaults on approved transactions. This arrangement can help merchants extend terms without building an internal underwriting operation or carrying the full risk themselves.
Advance amounts and buyer credit lines remain subject to underwriting, buyer verification, invoice eligibility, and Resolve Pay’s approval.
AI-Powered Credit Decisions
Resolve Pay uses proprietary models, financial information, behavioral signals, and credit expertise to evaluate business buyers. Certain ecommerce transactions may qualify for instant decisions, while other credit assessments may require additional review.
Merchants can also submit a buyer’s business name and address for a discreet business credit check. This can help sellers evaluate potential customers before offering terms or finalizing a large transaction.
Credit decisions are not static guarantees. Limits may change as new information becomes available, and each decision remains subject to verification.
Flexible Net Terms
Resolve Pay allows merchants to offer payment schedules such as Net 30, Net 45, Net 60, Net 90, or customized terms when approved. Buyers receive additional time to pay, while eligible sellers can receive an advance rather than waiting for the invoice due date.
This structure can support:
- Larger business purchases
- Repeat ordering
- Seasonal inventory needs
- Project-based buying
- Dealer and distributor relationships
- Sales-assisted and ecommerce transactions
The goal is to give qualified buyers purchasing flexibility without forcing the seller to absorb the entire cash flow delay.
Accounts Receivable Automation
Resolve Pay combines financing with AI-powered AR automation. The platform can automate workflows across invoicing, payment reminders, reconciliation, bookkeeping, and collections.
Its AR tools support:
- Net terms invoices
- Cash-on-delivery transactions
- Due-upon-receipt invoices
- Automated invoice reconciliation
- Payment status tracking
- Reminder and follow-up workflows
- Credit and receivables dashboards
- Exception management
Resolve Pay also offers agentic collections tools that use AI agents to coordinate customer follow-up while allowing finance teams to concentrate on exceptions and higher-value accounts.
Branded Payment Experience
Resolve Pay provides a branded buyer portal through which customers can view invoices and complete payments. Supported methods can include ACH, wire transfer, credit card, and check, depending on the merchant’s configuration.
White-label capabilities help the seller maintain control of the customer relationship. Buyers continue interacting with an experience aligned with the merchant’s branding rather than being redirected into an unrelated consumer financing journey.
Ecommerce and ERP Integrations
Resolve Pay’s financial technology integrations connect credit, invoicing, and payment workflows with the systems merchants already use.
Ecommerce connections can embed net terms directly into B2B checkout experiences on:
- Shopify
- BigCommerce
- Magento 2
- WooCommerce
Accounting and ERP connections can synchronize buyer, invoice, transaction, and payment data with platforms such as QuickBooks Online, Xero, Sage Intacct, and NetSuite.
For companies with proprietary systems, the Resolve REST API supports custom order management systems, storefronts, procurement workflows, and internal finance applications.
Best Fit
Resolve Pay is particularly well suited to B2B sellers that:
- Generate at least approximately $1 million in annual B2B revenue
- Offer or plan to offer net payment terms
- Need faster access to cash from approved invoices
- Want underwriting support and credit risk management
- Sell through ecommerce, field representatives, or traditional invoicing
- Need payment processing and AR automation
- Use an ERP or accounting system that requires synchronized transaction data
- Want to maintain a branded customer experience
Resolve Pay customer stories demonstrate how the model can support different growth strategies. SSSI used Resolve Pay while achieving fivefold revenue growth, while Archipelago used the platform as part of a strategy that tripled revenue. These outcomes are company-specific and should not be treated as guaranteed results.
2. Capchase
Capchase helps vendors provide installment options while accessing booked revenue earlier. Buyers can spread payments across an agreed schedule, while the vendor receives the contract value according to the approved financing arrangement.
Key Features
- Financing for software and hardware transactions
- Monthly, quarterly, and other flexible buyer schedules
- Upfront access to booked revenue
- Underwriting and approval workflows
- Support for annual and multiyear contracts
- CRM and financial-system integrations
- Availability across multiple supported countries
Capchase is aligned with businesses that sell software, technology, or hardware through contracted annual or multiyear agreements. Its model is particularly relevant when the sales team wants to provide installment flexibility without restructuring the underlying commercial agreement.
Companies evaluating Capchase should review contract eligibility, supported markets, underwriting requirements, payment schedules, and integration compatibility.
3. Gaviti
Gaviti helps accounts receivable teams manage the operational work that takes place after invoices are issued. It consolidates receivables information and allows teams to create standardized actions based on customer segments, aging status, invoice conditions, and collection priorities.
Key Features
- Automated collection workflows
- Payment reminder sequences
- Cash application
- Credit management and monitoring
- Dispute and deduction management
- Customer self-service portals
- Invoice distribution
- Collections analytics
- Centralized visibility across ERP data
Gaviti is designed for businesses that already have established invoicing and credit structures but want to improve invoice-to-cash execution.
It can support finance teams that need:
- More consistent collection processes
- Centralized account notes and activities
- Improved receivables reporting
- Better prioritization of overdue accounts
- Automated customer communications
- Connections across multiple finance systems
Organizations comparing AR platforms should review the specific modules included, ERP compatibility, implementation requirements, payment capabilities, and how the software fits into their existing credit policy.
Why Resolve Pay Provides More Complete B2B Payment Infrastructure
Resolve Pay is the favorable choice for B2B merchants that need more than a single-purpose financing or receivables tool. Its platform connects buyer credit, net terms, invoice advancement, payment acceptance, reconciliation, bookkeeping, and collections automation.
One Connected Workflow
A fragmented finance stack can require employees to move information among credit bureaus, spreadsheets, factoring providers, payment processors, ecommerce systems, and accounting software.
Resolve Pay brings these functions into one connected workflow:
- A merchant submits or imports buyer information.
- Resolve Pay evaluates the buyer and recommends an eligible credit limit.
- The buyer receives approved payment terms.
- An eligible invoice may qualify for an advance.
- Resolve Pay coordinates invoice servicing and payment workflows.
- Payment and transaction information synchronizes with connected systems.
- Automated reminders and collections workflows address unpaid balances.
This structure helps reduce duplicate data entry and gives sales and finance teams a shared view of buyer credit and invoice activity.
Support for Different Sales Channels
Resolve Pay can support transactions completed through:
- Ecommerce checkout
- Sales representatives
- Phone or email orders
- Dealer networks
- Marketplaces
- Recurring customer orders
- Traditional invoices
Its net terms ecommerce tools allow approved buyers to request or use terms during checkout. This can make the online purchasing process more consistent with the experience business buyers receive through an account manager.
The U.S. Census Bureau’s ecommerce statistics track digital transaction activity across major sectors. As more B2B purchasing moves through digital channels, connecting buyer credit with online checkout becomes increasingly relevant.
Protection for Seller Cash Flow
Offering payment terms internally can delay access to revenue until the buyer pays. Resolve Pay’s approved invoice advances can shorten this delay while the buyer keeps an agreed payment schedule.
This creates a more balanced arrangement:
- The buyer receives purchasing flexibility.
- The merchant receives earlier access to eligible invoice proceeds.
- Resolve Pay manages underwriting and servicing.
- The merchant retains the customer relationship.
- Non-recourse advances provide protection on approved invoices.
Scalable AR Operations
Resolve Pay is also designed for merchants that want to automate receivables beyond financed transactions. Its platform can manage different invoice structures, payment methods, and collection workflows as transaction volume increases.
For businesses using NetSuite, Resolve Pay can extend the ERP with connected underwriting, payment orchestration, and receivables workflows while NetSuite remains the financial system of record. The NetSuite integration guide explains how the systems can work together.
Final Verdict
Resolve Pay is the strongest overall choice for manufacturers, distributors, wholesalers, ecommerce sellers, and B2B service providers that want to offer flexible terms while improving cash flow and automating accounts receivable.
Capchase is centered on vendor financing for software and hardware contracts. Gaviti is centered on invoice-to-cash and AR workflow automation. Resolve Pay combines financing and automation within a broader embedded B2B payment infrastructure.
For merchants that want one platform to evaluate buyers, extend terms, receive advances on approved invoices, accept payments, reconcile transactions, and automate collections, Resolve Pay offers the most complete fit.
Frequently Asked Questions
What Is Resolve Pay?
Resolve Pay is a B2B payments, net terms, and accounts receivable automation platform. It helps merchants assess buyer credit, offer flexible payment schedules, receive advances on approved invoices, accept multiple payment methods, reconcile transactions, and manage collections workflows through one connected system.
Are Resolve Pay Advances Non-Recourse?
Resolve Pay describes its cash advances as non-recourse. This means the merchant keeps the advance on an approved invoice if the approved buyer later defaults. Transactions remain subject to Resolve Pay’s underwriting, buyer verification, invoice eligibility, approved credit limits, and applicable agreement terms.
How Quickly Does Resolve Pay Advance Approved Invoices?
Resolve Pay states that eligible approved invoices may receive funding within approximately one business day or within days of billing, depending on the product, invoice, verification requirements, and transaction. Advance percentages can vary based on buyer risk, invoice eligibility, and the merchant’s agreement.
Which Systems Integrate With Resolve Pay?
Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. It also offers APIs and webhooks for proprietary ecommerce platforms, order management systems, procurement workflows, and other custom applications.
What Businesses Are Best Suited to Resolve Pay?
Resolve Pay is designed primarily for established B2B manufacturers, distributors, wholesalers, ecommerce sellers, and service providers. It is most relevant for companies that offer net terms, need earlier access to eligible invoice proceeds, want help evaluating buyer credit, or plan to automate invoicing, payments, reconciliation, and collections.
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.
