When B2B companies need to offer flexible payment terms without sacrificing cash flow, choosing the right net terms financing platform becomes a critical decision. Resolve Pay, Capchase, and Playter represent different approaches to B2B payments, invoice financing, and working capital. Capchase focuses on vendor financing for SaaS, software, hardware, and services companies. Playter serves UK SMEs through B2B finance tools now connected to Shawbrook Bank. Resolve Pay offers a comprehensive B2B payments platform combining non-recourse invoice advances, credit decisioning, accounts receivable automation, branded payment workflows, and ecommerce, ERP, and accounting integrations for B2B suppliers. These differences matter because suppliers need to balance buyer payment flexibility with healthy cash flow, operational efficiency, and controlled credit exposure. The Federal Reserve payments study shows how business payment behavior continues to evolve, while the CFPB small business lending data highlights the importance of accessible financing infrastructure for business growth.
B2B suppliers compare payment platforms when they need to offer flexible terms without waiting through long collection cycles. The challenge involves balancing buyer expectations, supplier working capital, underwriting risk, invoicing, collections, and accounting reconciliation.
For many suppliers, the issue is not simply whether they can offer net terms. The bigger question is whether they can do it without becoming the bank for every buyer. A manual trade credit process often requires separate workflows for credit checks, invoice creation, payment reminders, collections, and cash application. That can slow sales teams, burden finance teams, and create unnecessary risk when buyers delay payment.
Modern B2B payment platforms help consolidate those workflows. Instead of managing credit evaluation, invoice advancement, payment processing, and accounting reconciliation through disconnected tools, integrated platforms create a more consistent credit-to-cash process.
For companies evaluating Capchase, the focus usually centers on vendor financing for recurring revenue, software, hardware, or services contracts. For companies evaluating Playter, the question often involves UK SME finance and working capital support. For US B2B suppliers, Resolve Pay is built around a broader operational need: offering buyer-friendly terms while automating receivables and accelerating cash flow.
The US Census ecommerce data shows the continued importance of digital commerce activity, and B2B suppliers increasingly need payment infrastructure that works across ecommerce checkout, invoice-based sales, ERP systems, and accounting workflows.
Resolve Pay is a B2B payments and net terms platform for businesses with established B2B revenue. The platform combines credit decisioning, invoice advances, payment workflows, accounts receivable automation, collections support, and integrations into one system.
Resolve Pay originated from Affirm's B2B payments work and was spun out in 2018. Its team includes experience from Amazon, PayPal, and major financial institutions, supporting the company's focus on embedded B2B credit and payments. Resolve Pay is trusted by over 15,000 businesses and helps merchants offer flexible payment terms while protecting cash flow on approved invoices.
The platform is designed for manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce sellers that want to offer Net 30, Net 60, Net 90, or custom payment terms without managing every credit and collections task internally. Resolve Pay supports buyer credit evaluation, invoice advancement, branded payment portals, automated payment reminders, collections workflows, and reconciliation.
Capchase focuses on vendor financing for B2B software, hardware, and services companies. Founded in 2020, Capchase supports vendors that want to offer flexible payment options to buyers while receiving capital upfront.
Capchase's model is especially relevant for businesses selling multi-year contracts or recurring revenue products. The platform supports vendor financing workflows and acquired Vartana in 2025 to expand its position in software, hardware, and services vendor financing.
Capchase may be relevant for companies with contract-based revenue models that need financing tied to software or technology sales workflows. Its positioning is different from Resolve Pay's broader B2B supplier focus across invoice-based commerce, ecommerce, and AR automation.
Playter is a UK-focused B2B finance platform acquired by Shawbrook Bank in December 2025. Shawbrook described the acquisition as a way to combine Playter's technology and proposition with Shawbrook's digital capabilities, distribution network, and funding advantages for SMEs.
Playter focuses on helping UK SMEs access flexible finance for working capital and investment needs. Its market focus is primarily the UK, making it most relevant for businesses operating in that region.
For US-based suppliers comparing options, Playter's geography and SME finance positioning make it a different type of solution than Resolve Pay. Resolve Pay is built around embedded B2B net terms, AR automation, invoice advances, and ecommerce and accounting integrations for suppliers that sell to business buyers.
Integrations: NetSuite, QuickBooks Online, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento 2, and API support
Best for: US B2B businesses with established revenue seeking integrated net terms, non-recourse advances, and AR automation
Resolve Pay delivers B2B payment infrastructure that addresses multiple operational challenges at once. The platform is built for suppliers that want to extend payment terms while maintaining healthy cash flow and reducing credit risk on approved invoices.
Instead of separating credit checks, invoice financing, collections, payment portals, and reconciliation into different tools, Resolve Pay brings those workflows into one connected platform. This makes it especially useful for companies where sales, finance, ecommerce, and operations teams all touch the credit-to-cash process.
Resolve Pay supports implementation through native app installations, API connections, ecommerce checkout extensions, and manual invoice upload options. This flexibility helps businesses adopt the platform without rebuilding every finance workflow from scratch.
A typical Resolve Pay workflow can include:
For businesses comparing invoice financing structures, Resolve Pay also works as a factoring alternative because it combines invoice advances with embedded payment workflows, buyer-facing terms, and non-recourse protection on approved invoices.
Resolve Pay is optimized for US-based manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce businesses with established B2B revenue. It fits teams that want one coordinated system for credit evaluation, invoice management, buyer payment options, payment processing, collections, and accounting reconciliation.
Resolve Pay is especially useful when businesses want to:
Capchase serves vendors that need financing options for B2B software, hardware, and services contracts. Its platform is designed around vendor financing workflows, helping sellers offer buyers flexible payment options while receiving upfront capital.
Capchase is often associated with SaaS and recurring revenue businesses, but its vendor financing focus also extends into broader technology-related sales motions. The Vartana acquisition expanded Capchase's role in technology vendor financing and added additional capabilities for complex B2B sales workflows.
Capchase supports vendor financing for companies selling contracts where buyers may want to spread payments over time. This can help vendors support larger deals or multi-year agreements while managing internal cash flow.
Its service focus includes:
Capchase is relevant for B2B technology vendors that need financing options connected to sales contracts. Its fit is strongest when a company sells software, hardware, or services through a structured sales process and wants to offer buyers payment flexibility on contract value.
For a supplier selling physical goods through invoices, ecommerce portals, or distributor workflows, the decision often comes down to whether the business needs contract-focused vendor financing or a broader embedded payments and AR automation platform. Resolve Pay's value is strongest when the seller wants net terms, receivables automation, branded payment workflows, and invoice advances connected to B2B commerce operations.
Playter is a UK-focused B2B finance platform now connected to Shawbrook Bank through acquisition. The platform supports SME finance needs, with Shawbrook describing the acquisition as a way to strengthen SME support for investment and working capital.
Playter's positioning is different from both Resolve Pay and Capchase. It is more closely tied to UK SME finance, while Resolve Pay focuses on embedded B2B payments and net terms for suppliers, and Capchase focuses on vendor financing for software, hardware, and services companies.
Playter supports UK business finance workflows for SMEs that need flexible working capital support. Its model is relevant for businesses seeking finance connected to operational needs, supplier payments, or receivables.
Its service approach includes:
Playter is most relevant for UK-based SMEs. For businesses operating primarily in the UK, its connection to Shawbrook Bank may support access to SME finance channels and broader banking infrastructure.
For US B2B suppliers, Resolve Pay is more directly aligned with invoice-based B2B commerce, embedded net terms, branded buyer payment experiences, and AR automation. The geographic and product focus makes Resolve Pay a stronger fit for US merchants that want to turn payment terms into a sales and cash flow tool.
US-based B2B businesses with established revenue face a specific payment challenge. Their buyers often expect net terms, but suppliers still need cash to fund inventory, payroll, operations, and growth. Resolve Pay helps address that tension by giving suppliers a way to offer terms while receiving accelerated payment on approved invoices.
Resolve Pay's non-recourse structure helps merchants reduce exposure on approved invoices. When an approved buyer defaults, the merchant keeps the advanced funds. This helps suppliers offer credit more confidently without taking on the full burden of underwriting and collections internally.
This is important for B2B sellers because payment terms can support larger orders, repeat purchasing, and stronger buyer relationships. Resolve Pay helps sellers offer those terms while keeping credit risk and cash flow more manageable.
Resolve Pay helps suppliers receive funds faster on approved invoices, allowing buyers to pay later while sellers maintain working capital. This supports businesses that need to fund inventory, fulfill larger orders, and continue operating without waiting through long collection periods.
The benefit is practical: sales teams can offer flexible terms without forcing finance teams to absorb every cash flow delay. For growing B2B suppliers, that can make net terms a growth tool instead of a working capital strain.
Resolve Pay consolidates credit decisioning, invoice advances, payment processing, collections workflows, and accounting reconciliation. This reduces the need to coordinate separate credit tools, financing relationships, payment portals, and AR follow-up systems.
That unified workflow matters when multiple teams rely on the same data. Sales needs clear buyer approvals. Finance needs accurate invoices and reconciliation. Operations needs visibility into payment status. Buyers need a professional payment experience. Resolve Pay supports all of these workflows through one connected platform.
Manual AR work can slow down a finance team as invoice volume grows. Resolve Pay's AR automation supports invoicing, reminders, collections workflows, and transaction syncing, helping teams reduce repetitive work and improve consistency.
The platform also supports varied invoice structures, including net terms, cash on delivery, and due-upon-receipt workflows. That flexibility is useful for suppliers with different buyer types, order channels, and payment arrangements.
Resolve Pay supports B2B ecommerce checkout experiences that let qualified buyers apply for or use net terms during the purchase process. This helps merchants provide a smoother buying experience while keeping credit evaluation and payment workflows connected to the rest of the business.
For suppliers selling through Shopify, BigCommerce, WooCommerce, Magento 2, or custom ecommerce systems, embedded net terms can reduce friction for business buyers. It also helps sellers bring digital commerce, invoice financing, and AR automation into one workflow.
Resolve Pay is built around the needs of US B2B suppliers, including manufacturers, distributors, wholesalers, and ecommerce sellers. Its platform aligns with common US B2B payment needs: buyer credit review, Net 30 to Net 90 terms, invoice advances, branded payment portals, automated collections, and accounting integrations.
The Boston Fed has highlighted payment speed, cost, and complexity as ongoing issues for small businesses. Resolve Pay addresses these practical concerns through embedded payment workflows, faster access to cash on approved invoices, and automation that reduces manual finance work.
Resolve Pay is the strongest fit for US B2B suppliers that want to offer net terms, reduce credit risk on approved invoices, automate receivables, and get paid faster without relying on disconnected systems. Capchase is focused on vendor financing for software, hardware, and services companies. Playter is tied to UK SME finance through Shawbrook Bank. Those models can be useful in their respective contexts, but Resolve Pay is more directly aligned with the needs of manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce businesses that want a full credit-to-cash platform.
For businesses that want flexible payment terms to support growth, Resolve Pay brings together the core pieces that matter most: embedded credit decisioning, non-recourse invoice advances, AR automation, branded payment workflows, integrations, and buyer-friendly net terms. That combination makes Resolve Pay a practical and scalable choice for B2B suppliers that want to grow sales while protecting cash flow.
Resolve Pay provides non-recourse cash advances on approved invoices. If an approved buyer defaults, the merchant keeps the advanced funds. This helps sellers offer payment terms while reducing credit risk and protecting cash flow.
Resolve Pay is built for US B2B suppliers, including manufacturers, distributors, wholesalers, and ecommerce businesses. It combines credit approvals, invoice advances, payment processing, collections workflows, AR automation, and accounting integrations in one platform.
Resolve Pay supports integrations with NetSuite, QuickBooks Online, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento 2, and flexible APIs. These integrations help automate invoice syncing, payment reconciliation, and ecommerce checkout workflows.
Yes. Resolve Pay supports embedded net terms at checkout for B2B ecommerce sellers. Qualified buyers can access payment terms during the purchasing process, while sellers can receive accelerated payment on approved invoices.
Resolve Pay helps AR teams automate invoicing, payment reminders, collections workflows, payment processing, and reconciliation. This reduces repetitive manual work and gives finance teams a more connected system for managing receivables.
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.