Resolve Pay vs Capchase vs Two: 2026 Comparison

When B2B companies need to offer flexible payment terms while maintaining healthy cash flow, choosing the right B2B payment solution becomes a critical decision. Resolve Pay, Capchase, and Two represent different approaches to net terms financing, vendor financing, and accounts receivable management. Capchase focuses on vendor financing for SaaS and software purchases, while Two supports embedded B2B payment terms across Europe, the US, and the Nordics. Resolve Pay gives manufacturers, distributors, wholesalers, and B2B ecommerce sellers a more unified way to offer net terms, automate receivables, manage credit decisions, and receive advance payment on approved invoices. The Federal Reserve Payments Study tracks developments across the US payments system, while the Federal Reserve business payments study reviews business payment practices, pain points, and payment behavior across US firms.

Key Takeaways

• Resolve Pay supports seller cash flow: Resolve Pay helps sellers offer flexible payment terms while receiving advance payment on approved invoices, reducing the cash flow strain that often comes with Net 30, Net 60, or longer payment cycles.
• Resolve Pay combines credit, payments, and AR workflows: The platform connects credit checks, net terms, invoicing, payment reminders, collections workflows, and reconciliation in one system.
• Resolve Pay is built for B2B sellers: Manufacturers, distributors, wholesalers, and B2B ecommerce businesses can use Resolve Pay to support invoice-based trade credit across online and offline sales channels.
• Capchase focuses on software financing: Capchase Pay is designed around flexible payment terms for SaaS and software purchases, with vendor financing workflows built for recurring revenue businesses.
• Two supports embedded B2B payment terms: Two provides instant credit decisioning and flexible payment infrastructure for merchants across Europe, the US, and the Nordics.
• Resolve Pay protects the buyer relationship: Resolve Pay offers branded payment portals and embedded checkout workflows so sellers can keep the payment experience aligned with their own brand.
• Integrations matter for finance teams: Resolve Pay connects with major ecommerce, ERP, and accounting systems, helping teams reduce manual payment tracking and reconciliation work.

Why Businesses Compare Capchase And Two Alternatives

Businesses compare Capchase and Two alternatives when supplier cash flow, payment flexibility, or operational efficiency becomes a limiting factor. For seller-led businesses, the challenge is clear: they want to offer net terms to win larger orders and build stronger buyer relationships, but they also need predictable cash flow and manageable accounts receivable operations.

Modern payment platforms change this operating model by connecting credit checks, invoice follow-up, payment processing, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help sellers manage the complete credit-to-cash process from a unified system.

For businesses evaluating Capchase, the focus often centers on SaaS-specific requirements, software contract financing, and payment flexibility for annual or multi-year software purchases. For businesses evaluating Two, the question often involves embedded payment terms, instant credit decisioning, and regional payment infrastructure across Europe, the US, and the Nordics. For businesses evaluating Resolve Pay, the priority is usually broader seller-side net terms management, advance payment on approved invoices, AR automation, and payment workflows built around traditional B2B commerce.

Understanding Each Platform's Market Position

Resolve Pay

Resolve Pay positions itself as a comprehensive B2B payments platform that combines embedded net terms financing, accounts receivable automation, payment workflows, and B2B Buy Now, Pay Later capabilities in one integrated system. The platform helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, credit decisions, invoicing, collections, and payments.

Resolve Pay serves manufacturers, distributors, wholesalers, and B2B ecommerce companies across industries such as construction, industrial supplies, medical supplies, specialty wholesale, and other invoice-based B2B markets. Its approach emphasizes a simple, relational, and embedded payment experience that helps sellers offer flexible buyer terms without turning finance teams into manual credit and collections departments.

Capchase

Capchase focuses on vendor financing for software and SaaS companies. Capchase Pay helps software sellers offer flexible payment terms to buyers while the seller receives payment upfront through a financing workflow. The platform is built around software purchasing and recurring revenue use cases, with workflows designed to reduce friction in software buying and contract negotiation.

Capchase can be a relevant fit for SaaS companies and software vendors that want to support annual or multi-year software purchases with flexible payment terms. Its market position is tied closely to software sales, vendor financing, and recurring revenue operations.

Two

Two is a B2B payments provider that powers flexible payment terms for enterprise and SMB merchants across Europe, the US, and the Nordics. The company emphasizes instant credit decisioning, embedded checkout experiences, upfront merchant payments, and banking-grade risk management.

Two's model is designed for merchants and platforms that need embedded B2B payment infrastructure with regional payment method support. Its positioning is especially relevant for businesses that need localized payment terms infrastructure across multiple markets.

1. Resolve Pay For Integrated B2B Payments And Financing

Integrations: QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API support

Best For: US and North American B2B sellers with established revenue seeking integrated net terms, payment workflows, and AR automation

Resolve Pay is the strongest fit when the business priority is accelerating cash conversion while offering flexible buyer payment terms. The CFPB small business lending resource highlights the importance of transparent small business credit data, and B2B sellers face a practical version of that challenge every day: they need to decide which buyers qualify for terms, how much credit to extend, and how to collect without slowing down sales.

Resolve Pay consolidates multiple workflows into one operating model. Sellers use Resolve Pay for buyer credit approvals, payment workflows, collections support, invoice advancement, and accounting reconciliation. This matters for finance teams that want to reduce manual invoice follow-up, payment matching, and repetitive month-end close work.

Resolve Pay also occupies a different risk position compared with traditional receivables management. The platform provides non-recourse cash advances on approved invoices, meaning approved seller advances are structured so the seller can protect cash flow while Resolve Pay manages repayment workflows with the buyer.

Key Features

• Net terms with advance pay: Resolve Pay helps sellers offer Net 30, Net 60, Net 90, or custom terms while receiving advance payment on approved invoices.
• Agentic AR automation: AI-powered accounts receivable workflows support invoicing, payment reminders, collections, reconciliation, and ERP-connected processes.
• Business credit checks: Resolve Pay uses AI, behavioral signals, and human expertise to support credit decisions and buyer credit line recommendations.
• Branded B2B payment portal: Sellers can accept ACH, wire, credit card, and check payments through a branded payment experience.
• Ecommerce integrations: Checkout extensions support embedded net terms across ecommerce channels.
• Non-recourse advance structure: Resolve Pay takes on the credit assessment, credit decisioning, and repayment risk management for approved financed invoices.
• Accounts receivable automation: The platform manages invoice workflows, reminders, collections, reconciliation, and payment visibility from one system.

Strengths

Resolve Pay helps B2B sellers offer competitive payment terms while maintaining healthier cash flow through structured advance payment on approved invoices. The platform connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one workflow.

The solution supports collaboration across sales, finance, ecommerce, and operations teams with shared payment and receivables data. Sellers can use flexible payment terms as a growth lever without expanding in-house credit and collections operations.

Implementation can be especially practical for ecommerce sellers using supported platforms, while ERP, accounting, and API-based workflows give finance teams more structured paths for connecting payment activity to existing systems. The white-label approach also preserves supplier-buyer relationships by keeping the payment experience aligned with the seller's brand.

Best Fit

Resolve Pay is designed for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses that want to win larger orders through net terms while maintaining healthy cash flow. The platform particularly serves businesses operating on invoice-based payment terms across construction, industrial equipment, medical supplies, specialty wholesale, and related B2B sectors.

The solution is especially valuable when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.

2. Capchase

Capchase is built for SaaS and software companies that want to support flexible payment terms for buyers. Capchase Pay helps software sellers receive payment upfront while buyers pay over time, which can help reduce friction during software purchase negotiations and support annual or multi-year contract workflows.

Capchase's services are oriented around software purchasing, vendor financing, and SaaS revenue operations. The platform supports software companies that sell to businesses and want to provide financing options within the buying journey.

Key Features

• Vendor financing for SaaS and software companies
• Flexible payment terms for software purchases
• Workflows designed for annual and multi-year software contracts
• Integrations and automations connected to the software buying journey
• Multi-country availability for supported markets
• Payment tracking and invoice management for financed software purchases

Capchase typically serves SaaS and software companies with recurring revenue models. The platform is designed for businesses operating around subscription-based contracts rather than traditional invoice-based trade credit for physical goods, wholesale distribution, or mixed B2B ecommerce sales.

3. Two

Two is a B2B payments provider headquartered in Norway with a strong foundation in European markets. The company powers flexible payment terms for enterprise and SMB merchants across Europe, the US, and the Nordics, supported by instant credit decisioning and risk management infrastructure.

Two's platform supports embedded B2B payment experiences, upfront merchant payments, and localized payment workflows. Its market position is relevant for merchants and platforms that need regional payment infrastructure and instant B2B checkout decisions across supported markets.

Key Features

• Embedded B2B payment terms for merchants and platforms
• Instant credit decisioning for business buyers
• Upfront payment options for approved merchant transactions
• European and Nordic market expertise
• Regional payment infrastructure support
• API-first architecture for embedded payment experiences

Two is designed for businesses and platforms that need embedded B2B payment infrastructure with regional payment method support and instant checkout capabilities across supported geographies.

Why Resolve Pay Delivers Strong Value For B2B Sellers

B2B sellers with established revenue face specific challenges that make Resolve Pay's approach especially relevant. US Census ecommerce data reflects the continued importance of digital commerce measurement, and B2B companies increasingly need payment workflows that work across ecommerce, field sales, invoices, and ERP-connected operations.

Resolve Pay's integrated approach addresses multiple challenges at the same time. The non-recourse advance model helps reduce seller exposure on approved financed invoices. Advance payment on approved invoices helps sellers offer net terms without waiting through the full buyer repayment period.

The platform combines credit decisions, invoice advancement, payment processing, collections, and accounting sync in one system, reducing complexity from managing disconnected tools. AI-powered automation for invoicing, reminders, collections, and reconciliation also reduces manual workload that often burdens finance teams.

Resolve Pay's focus on seller-side net terms aligns with B2B businesses that need embedded credit, risk management, payment workflows, and AR automation in one system. For companies selling through ecommerce, sales reps, marketplaces, or invoice-based channels, Resolve Pay provides a practical way to improve buyer payment flexibility while keeping receivables operations more controlled.

For seller-side net terms, faster cash conversion, structured risk management on approved invoices, and integrated AR automation, Resolve Pay delivers a focused solution. The platform connects buyer approvals, seller payment advances, collections workflows, and accounting reconciliation in one unified system built for traditional B2B commerce operations.

Conclusion

Resolve Pay is the strongest choice for B2B sellers that want flexible buyer payment terms, advance payment on approved invoices, branded payment experiences, and accounts receivable automation in one platform. Capchase is oriented toward SaaS and software vendor financing, while Two supports embedded B2B payment terms across supported European, US, and Nordic markets. For manufacturers, distributors, wholesalers, and B2B ecommerce sellers that need practical net terms management without building a larger credit and collections function internally, Resolve Pay offers the most complete seller-side workflow.

The most important difference is operational fit. Resolve Pay is not just a payment option at checkout or a financing tool for a narrow contract type. It supports the full credit-to-cash process: credit checks, buyer approvals, invoice advancement, payment acceptance, collections workflows, and reconciliation. That makes Resolve Pay a strong fit for B2B companies that want to grow sales with net terms while keeping cash flow, risk, and AR operations under control.

Frequently Asked Questions

What Makes Resolve Pay's Non-Recourse Financing Useful For B2B Sellers?

Resolve Pay's non-recourse structure helps sellers protect cash flow on approved financed invoices. Sellers can offer buyers more time to pay while Resolve Pay supports credit assessment, repayment workflows, collections, and risk management for approved transactions.

How Quickly Can Businesses Receive Funding From Resolve Pay?

Resolve Pay supports advance payment on approved invoices, with timing depending on buyer approval, invoice details, and the seller's implementation setup. This helps sellers reduce the cash flow delay that usually comes with Net 30, Net 60, or longer payment terms.

What AR Workflows Does Resolve Pay Automate?

Resolve Pay automates key accounts receivable workflows such as invoicing, payment reminders, collections activity, payment acceptance, reconciliation, and accounting sync. The goal is to reduce manual follow-up while giving finance teams better visibility across the invoice lifecycle.

What Types Of Businesses Use Resolve Pay?

Resolve Pay is built for B2B sellers such as manufacturers, distributors, wholesalers, suppliers, and B2B ecommerce companies. It is especially relevant for businesses that sell on invoice terms and need stronger cash flow, buyer credit workflows, and AR automation.

How Do Resolve Pay's Ecommerce Integrations Work?

Resolve Pay supports ecommerce checkout extensions and integrations that let approved buyers access net terms during the purchase process. Sellers can connect payment terms, buyer approvals, and accounting workflows through supported ecommerce, ERP, and accounting systems.

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.