When B2B companies need to optimize cash flow while offering flexible payment terms, selecting the right platform becomes a critical business decision. Resolve Pay, Capchase, and Invoiced approach B2B payments from different angles. Capchase focuses on SaaS contract financing, Invoiced focuses on accounts receivable automation software, and Resolve Pay delivers an integrated B2B payments platform that combines net terms, credit decisioning, invoice advancement, payment workflows, collections support, and receivables automation for B2B suppliers. For manufacturers, distributors, wholesalers, and B2B ecommerce businesses, Resolve Pay is built to help sellers offer flexible payment terms, get paid faster on approved invoices, and reduce the operational burden of managing receivables.
The B2B payments landscape has changed as more businesses move invoicing, payments, credit, and collections into digital workflows. The Federal Reserve Payments Study tracks aggregate trends in noncash payments in the United States, showing why payment infrastructure remains a key operating issue for businesses that manage invoices, bank transfers, card payments, and other payment methods.
Companies offering Net 30, Net 60, or Net 90 terms face a practical challenge: buyers often expect time to pay, while sellers need predictable cash flow. This tension has created several types of solutions, including net terms financing platforms, revenue-based financing providers, and accounts receivable automation software.
Resolve Pay operates as an embedded net terms and accounts receivable platform for B2B sellers. The platform helps merchants underwrite buyers, extend terms, receive advance payment on approved invoices, automate invoicing and reminders, support collections workflows, and sync payment activity with accounting or ERP systems. Resolve Pay is especially relevant for physical goods suppliers and hybrid B2B sellers that manage both ecommerce and offline invoice workflows.
Capchase takes a different approach. It focuses on software and SaaS businesses that want to offer flexible payment options on recurring revenue contracts. Capchase is best understood as a financing platform for software contract payment flexibility rather than a receivables operating system for physical goods suppliers.
Invoiced operates as AR automation software. Flywire announced its acquisition of Invoiced in August 2024, describing Invoiced as a SaaS platform that helps B2B finance teams automate the order-to-cash process. Invoiced supports billing, invoicing, collections, customer portals, and payments workflows, but its core positioning is software automation rather than non-recourse net terms financing.
The distinction matters. Resolve Pay is designed for sellers that want one coordinated system for credit decisions, net terms, payment acceptance, invoice advancement, AR automation, and collections workflows. The CFPB small business lending data resources also highlight why transparent credit access and financing visibility remain important in the broader business finance environment.
Integrations: QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API support
Best for: US B2B businesses with established revenue seeking integrated net terms, payment workflows, and AR automation
Resolve Pay delivers the strongest fit when the business priority is accelerating cash conversion while offering flexible buyer payment terms. The platform is built for suppliers that want to extend net terms, manage buyer credit risk through non-recourse structures, and receive advance payment on approved invoices.
Resolve Pay helps US B2B sellers offer competitive payment terms while maintaining healthier cash flow through advance payment on approved invoices. The platform connects credit decisioning, invoice advancement, payment processing, collections workflows, and accounting reconciliation in one integrated workflow.
The solution supports collaboration across sales, finance, ecommerce, and operations teams with unified data and workflows. This enables sellers to use flexible payment terms as a growth lever without expanding in-house credit and collections operations.
Resolve Pay’s Smart Credit Engine uses AI, behavioral signals, business data, and credit expertise to evaluate buyers. For some ecommerce transactions, instant approvals may be available for qualified purchases, helping reduce checkout friction for approved buyers. The platform also supports quiet pre-approval checks using basic business information, helping sellers evaluate potential buyers without creating unnecessary friction.
The business credit check capabilities help sellers evaluate buyers more efficiently than traditional manual review processes. This matters for sales teams that want to approve qualified buyers faster while maintaining disciplined credit policies.
For B2B companies selling through online channels, Resolve Pay offers native checkout integrations that allow buyers to apply for net terms during the purchasing process. This helps ecommerce teams offer a more familiar B2B buying experience while keeping finance teams connected to underwriting, approval, and payment workflows.
Resolve Pay also supports bidirectional syncing with accounting, ERP, and ecommerce systems. That means invoice, payment, and receivables data can move through the seller’s existing financial stack with less manual entry. For finance teams managing high invoice volumes, this can reduce repetitive work and improve visibility across the credit-to-cash process.
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in US markets that want to win larger orders through net terms while maintaining healthy cash flow. The platform is especially strong when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
Resolve Pay is also a strong fit for sellers that want a modern alternative to managing separate tools for factoring, credit checks, AR automation, payment portals, and collections workflows. Instead of stitching together multiple systems, sellers can use Resolve Pay as a centralized credit-to-cash platform.
Capchase focuses on revenue-based financing and vendor financing for SaaS and software companies. The platform helps software vendors offer flexible payment terms on contracts, which can support buyers that prefer extended payment schedules while giving vendors more predictable cash flow.
Capchase is most relevant for software companies with recurring revenue models. Its workflow is designed around SaaS contracts, annual recurring revenue, vendor financing, and software buyer payment flexibility. For companies selling software subscriptions or multi-year software contracts, this model can align well with how revenue is booked and collected.
For physical goods suppliers, distributors, and wholesalers, the operating requirements are different. These sellers often need credit decisioning, ecommerce checkout terms, invoice advancement, payment acceptance, collections, and reconciliation tied to product shipments, invoices, and ERP data. That is where Resolve Pay’s B2B payments and AR automation model is more closely aligned with the credit-to-cash workflow.
Invoiced operates as accounts receivable automation software. Flywire announced its acquisition of Invoiced in August 2024 to expand its B2B payment network and AR software capabilities. Invoiced supports finance teams that want to automate billing, collections, and order-to-cash workflows.
Invoiced is most relevant for companies that want software to organize invoices, collections, and customer payment workflows. It can support finance teams looking to reduce manual AR tasks and improve customer payment experiences.
Resolve Pay addresses a broader B2B payments need for sellers that want AR automation plus net terms and advance payment on approved invoices. This makes Resolve Pay a stronger fit when the business goal includes offering buyer credit, accelerating cash flow, managing receivables, and reducing credit risk in one connected workflow.
For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, Resolve Pay’s integrated approach provides a clear operational advantage. The Small Business Credit Survey tracks business performance, financing conditions, and credit access across US small businesses, reinforcing why working capital and payment flexibility remain important for growing companies.
Resolve Pay’s unified platform helps reduce vendor complexity by bringing together credit checks, net terms, payment workflows, AR automation, collections support, and reconciliation. Sellers do not need to manage separate systems for underwriting, invoice advancement, payment acceptance, and receivables follow-up.
The platform’s non-recourse structure is also important. For approved invoices, Resolve Pay helps sellers offer terms while reducing the risk that a buyer default will directly create repayment exposure for the seller. This allows sellers to extend payment flexibility more confidently while protecting cash flow.
Resolve Pay also helps sellers deliver a better buyer experience. Buyers can apply for terms through ecommerce checkout, pay through a branded portal, and use payment methods such as ACH, wire transfer, credit card, or check. Sellers can keep the customer relationship consistent while Resolve Pay supports the behind-the-scenes credit and AR workflows.
The US Census Bureau tracks ecommerce activity across the economy, and B2B sellers increasingly need payment systems that support digital purchasing, offline sales, and hybrid buying journeys. Resolve Pay’s ecommerce, ERP, accounting, and API integrations help sellers meet those expectations without creating disconnected finance processes.
For physical goods B2B companies evaluating Resolve Pay, Capchase, and Invoiced, the best fit depends on the core business model. Capchase is oriented around software financing. Invoiced is oriented around AR automation software. Resolve Pay is built for B2B sellers that want to offer net terms, advance payment on approved invoices, automate receivables, and keep credit-to-cash workflows connected.
Resolve Pay is the strongest choice for B2B suppliers that want to offer net terms without turning receivables management into a manual, fragmented process. Its platform brings credit decisioning, invoice advancement, branded payment portals, AR automation, collections workflows, and integrations into one system built for modern B2B commerce.
For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, Resolve Pay helps turn net terms from a cash flow burden into a growth tool. Sellers can give qualified buyers more time to pay, receive advance payment on approved invoices, streamline receivables, and manage the full credit-to-cash process through a platform designed around B2B payment relationships.
Resolve Pay is best for B2B suppliers, distributors, manufacturers, wholesalers, and ecommerce sellers with established B2B revenue that want to offer net terms, automate receivables, and get paid faster on approved invoices.
Resolve Pay’s non-recourse structure helps sellers reduce repayment exposure on approved invoices if an approved buyer does not pay. This supports more confident net terms programs while protecting cash flow.
Yes. Resolve Pay integrates with major ecommerce, ERP, and accounting systems, including Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, Oracle NetSuite, Xero, and Sage Intacct.
AR automation software helps organize invoicing, reminders, portals, and collections workflows. Resolve Pay includes those capabilities while also supporting credit decisioning, net terms, and advance payment on approved invoices.
Resolve Pay can provide advance payment on approved invoices within a short funding window, depending on buyer approval, verification, invoice status, and the seller’s program setup.
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.