When B2B companies need to offer flexible payment terms while maintaining healthy cash flow, selecting the right financing platform becomes a pivotal business decision. Resolve Pay, Capchase, and Mondu support different payment and financing use cases. Capchase primarily serves technology vendors and buyers through vendor financing, while Mondu provides deferred-payment solutions across European markets. Resolve Pay combines accounts receivable automation, credit underwriting, payment workflows, and non-recourse invoice advances for manufacturers, distributors, wholesalers, and other B2B suppliers.
Resolve Pay is the strongest fit for North American B2B suppliers that want to manage the complete credit-to-cash process in one platform. It helps sellers approve buyers, offer net terms, receive advances on approved invoices, automate collections, accept multiple payment methods, and synchronize receivables data with existing business systems.
Although all three companies operate within B2B payments and financing, they are designed around different commercial relationships.
Resolve Pay is an AI-powered B2B payments platform for sellers that need to offer trade credit without placing additional pressure on cash flow or internal finance teams. It combines embedded net terms, buyer underwriting, invoice advances, payment processing, reconciliation, and collections.
The platform is used by more than 15,000 businesses and is particularly relevant to manufacturers, distributors, wholesalers, and other companies that sell goods or services through invoices. Approved buyers can receive Net 30, Net 60, Net 90, or customized payment terms, while sellers may receive an advance on eligible invoices.
Capchase provides vendor financing for the technology ecosystem, particularly B2B software and hardware purchases. Its payment products allow vendors to receive the value of an approved contract upfront while buyers repay Capchase according to an agreed schedule.
Capchase also offers financing products for eligible SaaS companies. Its underwriting and payment experience are commonly connected to annual or multi-year technology contracts, recurring revenue, and sales workflows.
Mondu is a European B2B payments platform serving sellers and buyers. Its solutions include invoice payments, installments, digital trade accounts, instant payments, and buyer-focused working capital products.
The company operates across several European markets and holds an Electronic Money Institution license issued by De Nederlandsche Bank. Mondu can support online and offline transactions, with real-time credit checks available for qualifying purchases.
The primary distinction is therefore one of use case and geography. Resolve Pay centers on credit-to-cash automation for traditional B2B suppliers, Capchase centers on financing technology purchases, and Mondu centers on flexible B2B payments in Europe.
Resolve Pay provides a connected platform for businesses that want to extend payment terms without building an internal credit, financing, and collections infrastructure.
Resolve Pay underwrites business buyers and can advance up to 90% of eligible invoice value within 24 hours. The buyer then pays Resolve Pay according to the approved terms.
The advances are non-recourse on approved invoices. This means sellers retain the advance if an approved buyer later defaults, subject to the applicable agreement and transaction requirements. Resolve Pay manages the underwriting and assumes the covered credit risk.
This structure helps suppliers offer buyers more time to pay while protecting near-term working capital. It can be particularly useful when a supplier must purchase inventory, pay employees, or fund production well before customer invoices become due.
Resolve Pay supports common B2B payment arrangements, including:
Businesses can also use net terms management tools to coordinate credit checks, invoicing, reminders, payments, and collections.
Resolve Pay helps sellers evaluate buyers through its business credit checks and underwriting workflows. The platform combines business data, behavioral signals, payment information, and human credit expertise to support credit decisions.
For some applications, a seller can begin a discreet preliminary assessment using the buyer’s business name and address. Final approval, credit limits, and available terms remain subject to verification and Resolve Pay’s underwriting criteria.
The credit workflow can support:
Real-time or rapid decisions can help qualified buyers complete purchases without waiting through a manual credit review. More complex applications may require additional documentation and review.
Resolve Pay’s AR automation platform helps finance teams manage invoices from issuance through payment and reconciliation.
Its capabilities include:
These workflows can reduce repetitive data entry and follow-up tasks. Finance teams can focus on exceptions and customer relationships instead of manually checking every open invoice.
Resolve Pay can manage net terms invoices as well as invoices that are due upon receipt or paid under other arrangements. This makes it possible to centralize more of the receivables portfolio rather than limiting automation to financed invoices.
Resolve Pay provides a branded portal where buyers can view invoices, check account activity, and submit payments. Supported payment methods include ACH, wire transfer, credit card, and check.
A branded portal helps the seller remain visible throughout the payment experience. Buyers interact with an interface aligned with the supplier’s business instead of being redirected into an unfamiliar consumer-finance process.
The portal can support:
Resolve Pay can also embed applications and payment options into ecommerce checkout flows through its net terms ecommerce capabilities.
Resolve Pay offers financial system integrations for widely used accounting, ERP, and ecommerce platforms.
Supported systems include:
Integration capabilities vary by system and implementation. Resolve Pay can import relevant customer and invoice information, synchronize transaction records, and return payment or reconciliation data to connected systems.
For NetSuite implementations, Resolve Pay can synchronize customer and invoice data while supporting payment and receivables workflows. APIs and webhooks are also available for custom integrations and specialized commerce environments.
Traditional B2B suppliers often face a timing mismatch between operating expenses and customer payments. Inventory, materials, freight, and labor may need to be funded weeks before an invoice is collected.
Resolve Pay is structured around this trade-credit cycle. Its seller payment tools allow suppliers to extend terms while receiving earlier access to cash on approved invoices.
This approach can support:
The platform therefore functions as more than a financing product. It provides infrastructure for managing the operational work that surrounds B2B credit.
Capchase serves software and hardware vendors that want to offer buyers flexible payment schedules while receiving contract value upfront.
Capchase Pay is designed around B2B technology transactions. A software or hardware seller can present monthly, quarterly, or extended payment options to an approved buyer. Capchase pays the vendor upfront, and the buyer repays Capchase over the selected schedule.
The model is commonly used for:
Capchase also provides capital products for qualifying SaaS companies, using business and recurring-revenue information during underwriting.
Capchase can connect with sales and finance processes used by technology companies. Its platform supports quoting, buyer applications, payment-status visibility, and integrations with systems such as Salesforce.
This makes Capchase relevant to technology vendors seeking to remove the tension between a buyer’s preference for periodic payments and a seller’s preference for upfront contract collection.
Its focus is primarily contract financing rather than complete receivables management across every invoice type.
Mondu provides payment products for European sellers and business buyers through online and offline channels.
Mondu enables participating sellers to offer several payment methods, including:
For approved transactions, Mondu manages credit and fraud checks and can support payment reminders and collections.
Mondu also provides products directly to business buyers. MonduFlex can extend the payment period for eligible supplier invoices, while MonduCard provides a business payment option with deferred repayment.
This two-sided approach allows Mondu to support buyers even when a supplier does not offer Mondu directly at checkout.
Mondu’s European positioning is supported by an Electronic Money Institution license from De Nederlandsche Bank. The license can be passported across the European Economic Area, and the company is also registered for relevant activities in the United Kingdom.
Mondu supports qualifying purchases with real-time credit assessments and offers terms such as Net 30, Net 45, Net 60, and Net 90. Availability, limits, and payment products depend on the country, merchant, buyer, and underwriting outcome.
The Small Business Credit Survey continues to document the importance of financing access and cash-flow management for small businesses. The Federal Reserve Payments Study also tracks changes in how businesses and consumers exchange payments, while Census ecommerce data provides broader context on digital commercial activity.
Resolve Pay addresses these conditions through an integrated set of tools rather than treating credit approval, invoice funding, payment acceptance, and collections as separate processes.
Resolve Pay can support the complete receivables lifecycle:
This connected workflow can reduce handoffs between financing providers, payment processors, spreadsheets, accounting systems, and collection tools.
Many B2B buyers expect payment terms because they must resell inventory, complete a project, or collect from their own customers before paying suppliers.
Resolve Pay lets approved buyers receive additional time while eligible sellers receive funds much sooner. This helps preserve the commercial benefits of trade credit without requiring the supplier to finance the entire payment period from its own balance sheet.
Resolve Pay evaluates buyers, recommends credit lines, monitors receivables, and assumes covered credit risk on approved non-recourse invoices. Sellers retain control over their customer relationships while using Resolve Pay as an embedded credit and AR resource.
This combination can help businesses expand credit programs more consistently than a process based only on personal judgment, static bureau reports, or manually maintained spreadsheets.
As invoice volume grows, manual receivables processes can create bottlenecks. More customers mean more applications, invoices, reminders, payment records, and reconciliation work.
Resolve Pay’s automation helps finance teams scale these workflows without increasing manual effort at the same rate. The platform can be especially valuable for businesses selling through multiple channels, including ecommerce, field sales, inside sales, and purchase orders.
Resolve Pay, Capchase, and Mondu address different areas of B2B financing and payments. Capchase supports technology vendors and buyers through contract-based financing, while Mondu offers deferred-payment products for European sellers and business buyers.
Resolve Pay provides the most aligned option for North American manufacturers, distributors, wholesalers, and other traditional B2B suppliers that need a unified credit-to-cash platform. Its combination of embedded net terms, non-recourse invoice advances, credit underwriting, payment acceptance, AR automation, collections, and system integrations helps businesses offer flexible terms without sacrificing cash-flow visibility or adding unnecessary manual work.
For suppliers that want to modernize trade credit while maintaining control of the buyer relationship, Resolve Pay offers an infrastructure designed around the complete B2B receivables lifecycle.
Resolve Pay combines buyer underwriting, net terms, invoice advances, payments, reconciliation, and collections for traditional B2B suppliers. Capchase primarily finances software and hardware purchases, allowing technology vendors to receive contract value upfront. Mondu provides deferred-payment options for sellers and buyers across European markets.
Resolve Pay can advance funds on invoices from approved buyers. When an eligible advance is non-recourse, the seller keeps the advanced amount if the approved buyer later defaults, subject to the transaction terms and the seller meeting its contractual obligations. Resolve Pay handles the covered credit risk and collection process.
Resolve Pay states that eligible sellers may receive up to 90% of an approved invoice within 24 hours. Actual advance availability and timing depend on buyer approval, invoice verification, transaction eligibility, banking schedules, and the seller’s agreement with Resolve Pay.
Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also provides APIs and webhooks for custom implementations. Available data flows and implementation requirements depend on the systems and workflows being connected.
Resolve Pay is designed for established B2B sellers, particularly manufacturers, distributors, wholesalers, and suppliers that offer invoice terms. It is most relevant to businesses that want to approve buyers, offer flexible terms, receive faster payment on eligible invoices, automate receivables, and reduce exposure to covered buyer defaults.
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.