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.
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:
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.
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:
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 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:
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 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:
Gaviti is positioned for organizations that want to improve their existing invoice-to-cash processes through workflow automation and centralized AR visibility.
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.
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.
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.
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:
The goal is to give qualified buyers purchasing flexibility without forcing the seller to absorb the entire cash flow delay.
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:
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.
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.
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:
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.
Resolve Pay is particularly well suited to B2B sellers that:
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.
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.
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.
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.
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:
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.
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.
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:
This structure helps reduce duplicate data entry and gives sales and finance teams a shared view of buyer credit and invoice activity.
Resolve Pay can support transactions completed through:
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.
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:
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.
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.
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.
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.
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.
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.
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.