Resolve Pay vs Coupa Pay vs Gaviti

Selecting the right B2B payment and accounts receivable solution can determine whether your business thrives with healthy cash flow or struggles with delayed payments and credit risk. While Coupa Pay delivers enterprise procurement and spend management tools and Gaviti provides AR automation software, Resolve Pay offers non-recourse net terms financing combined with AR automation that helps protect sellers from covered buyer default risk while accelerating cash flow. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers choose the platform that matches their operational needs and growth objectives.

Key Takeaways

• Resolve Pay provides upfront funding on eligible approved invoices with non-recourse protection, while Coupa Pay offers no seller financing and Gaviti provides pure AR automation without funding capabilities
• Resolve Pay maintains a 5.0/5 rating on both G2 and Capterra, demonstrating exceptional customer satisfaction compared to Coupa Pay's 4.2/5 G2 rating and Gaviti's 4.4/5 G2 rating
• Implementation takes hours to one week with Resolve Pay versus weeks to months for Coupa Pay's enterprise deployments, enabling faster time to value for growing B2B sellers
• Resolve Pay includes native ecommerce integrations with Shopify, BigCommerce, Magento, and WooCommerce for embedded net terms at checkout, a capability neither Coupa Pay nor Gaviti provides
• The platform serves 15,000+ businesses across manufacturing, distribution, and wholesale industries with AI-powered credit decisioning and automated collections
• Resolve Pay reduces manual AR work by up to 90% through automated invoice generation, smart payment reconciliation, and multi-channel collections workflows

Understanding B2B Payment Solutions: Three Distinct Approaches

The B2B payment technology market encompasses three distinct categories, each serving different operational models and business objectives. Cash flow management remains a critical challenge for businesses managing customer payments, with payment terms and collection arrangements affecting the challenges firms experience.

Enterprise spend management platforms like Coupa Pay serve as comprehensive source-to-pay systems for large organizations. These platforms provide procurement capabilities, AP automation, virtual cards, and supplier management that help enterprise finance teams control spending across global operations. The value proposition centers on consolidating procurement workflows and achieving spend visibility, with a primary focus on the buyer side.

AR automation software like Gaviti represents a category focused on streamlining invoice-to-cash processes. These tools typically provide collections workflows, payment reminders, cash application, and credit monitoring that help AR teams manage outstanding receivables more efficiently. The platform works well for companies seeking pure automation without financing needs.

Net terms financing platforms like Resolve Pay represent a different approach that combines AR automation with cash flow acceleration. Rather than just automating invoice management, Resolve Pay provides upfront funding on eligible approved invoices while assuming covered credit risk on approved buyers. The system handles credit decisioning, payment collection, and reconciliation while sellers receive access to working capital.

Resolve Pay

Resolve Pay's Approach to Net Terms Financing and AR Automation

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving upfront funding and offloading covered credit risk on eligible approved transactions. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and collections management in a single integrated solution.

The non-recourse model distinguishes Resolve Pay from traditional factoring and pure AR software. When a seller extends approved net terms, eligible invoices can qualify for upfront funding. Advance percentages vary based on the buyer, transaction, and Resolve Pay's credit decision, with some approved invoices qualifying for up to 100%. Resolve Pay's non-recourse structure protects sellers from covered buyer default risk on eligible funded invoices.

Key capabilities include:

• AI credit engine that delivers credit decisions in under 24 hours, analyzing thousands of buyer data points including cash flow trends, payment history, and behavioral signals
• Quiet credit checks that do not notify buyers or impact their credit scores
• AR automation that handles invoice generation synced from ERP systems, smart payment reconciliation using machine learning, and real-time dashboards showing DSO, aging, and portfolio health
• Agentic collections that deploy multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation
• Native ecommerce integrations with Shopify, BigCommerce, Magento, and WooCommerce for embedded net terms at B2B checkout
• Integration with QuickBooks, Xero, Sage Intacct, and NetSuite for automated bookkeeping sync

Enterprise Compliance and Team Expertise

Resolve Pay is SOC 2 Type II attested, reflecting an independently audited approach to security controls. The platform traces its origins to a B2B payments business spun out from Affirm, and its team includes credit and payments expertise from companies including Amazon and PayPal.

Customer Results

Documented customer outcomes demonstrate the platform's impact on mid-market B2B sellers:

• Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours while offering 20x higher credit lines
• ConEquip achieved 30% year-over-year growth in their construction equipment business
• Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours
• Elston Materials increased margins from 25% to 30% through improved cash flow management

Industries Served

Resolve Pay focuses on B2B product distribution and manufacturing including HVAC parts distribution, electrical and plumbing supplies, industrial fasteners and hardware, building materials and construction supplies, medical devices and pharmaceutical distribution, safety equipment, commercial kitchen equipment, and packaging supplies.

Coupa Pay

Coupa Pay's Role in Enterprise Spend Management

Coupa Pay positions itself as part of a comprehensive source-to-pay platform designed for enterprise procurement and AP automation. The platform serves organizations with complex global operations requiring supplier management, spend visibility, and payment processing across multiple currencies and countries.

The platform provides AP automation capabilities including invoice processing, payment workflows, virtual card programs, and supplier portal functionality. Coupa maintains a network of over 10 million buyers and suppliers with a dataset spanning $7 to $8 trillion in transaction data. This scale supports enterprise use cases requiring global reach and deep analytics.

Key Features

• E-invoicing compliance: Supports 50+ countries and 124+ currencies, making Coupa Pay suitable for multinational organizations with international supplier relationships.
• ERP integrations: Connects with SAP, Oracle, NetSuite, and Microsoft Dynamics for enterprise-grade data synchronization.

Coupa Pay is oriented toward enterprise procurement, accounts payable, spend management, and supplier payments. It also supports eligible supplier access to third-party invoice financing within the Coupa Supplier Portal. The platform focuses primarily on buyer-side operations rather than seller-side receivables management.

With a G2 rating of 4.2/5, Coupa Pay serves enterprise organizations with dedicated procurement teams, global supplier networks, and complex spend management requirements.

Gaviti

Gaviti's Focus on AR Automation

Gaviti operates as an AR automation platform focused on invoice-to-cash workflows, collections management, and credit monitoring. The platform targets companies seeking to streamline their existing AR processes without adding financing capabilities.

Key Features

The platform provides:

• Collections automation with customizable workflow sequences
• Credit management tools for monitoring buyer risk
• A payer portal for customer self-service
• Dispute management features
• Cash application capabilities with claims of 90% automated payment matching before the workday starts

With a G2 rating of 4.4/5 from 190 reviews and a Capterra rating of 4.5/5 from 91 reviews, Gaviti demonstrates solid market validation for its AR automation approach. The platform offers flexible workflow customization, allowing businesses to build collection sequences tailored to their specific AR processes. Multi-ERP connections enable simultaneous integration with multiple accounting systems.

Gaviti is focused on invoice-to-cash automation, including collections workflows, credit management, payment portals, dispute management, and cash application. The platform provides pure AR automation without financing or non-recourse protection.

Comparing AR Automation Capabilities

All three platforms support accounts receivable-related workflows, but their capabilities differ based on their core focus.

Invoice Management

• Resolve Pay syncs invoice generation with QuickBooks, Xero, Sage Intacct, and NetSuite through two-way integrations. Machine learning automatically matches payments to invoices.
• Coupa Pay focuses primarily on buyer-side AP invoice processing within procurement workflows rather than seller-side AR management.
• Gaviti connects with multiple ERPs to automate invoice delivery, tracking, and receivables workflows.

Collections Workflows

• Resolve Pay uses agentic collections across email, SMS, and voice AI, with configurable outreach thresholds, intelligent escalation, and automatic pauses when payments or disputes are detected.
• Coupa Pay does not provide collections automation because its focus is buyer-side AP.
• Gaviti supports customizable collections sequences and automated reminders.

Cash Application

• Resolve Pay uses ML-powered payment matching to reconcile payments with outstanding invoices, reducing manual AR work by up to 90%.
• Coupa Pay supports buyer-side payment execution and supplier payment workflows rather than seller-side reconciliation.
• Gaviti claims 90% automated cash application before the workday starts using AI-powered payment recognition.

Integration Ecosystems Compared

Ecommerce Platform Support

• Resolve Pay integrates natively with Shopify, BigCommerce, Magento, and WooCommerce, enabling embedded net terms and real-time credit decisions at B2B checkout. This capability received the 2025 BigCommerce Innovative Integration Award.
• Coupa Pay does not focus on ecommerce integrations, targeting enterprise ERP and procurement environments instead.
• Gaviti focuses on ERP connectivity rather than native ecommerce integrations.

ERP and Accounting Connections

• Resolve Pay provides two-way integrations with NetSuite, QuickBooks Online, Xero, and Sage Intacct, plus a REST API, webhooks, and sandbox for custom integrations.
• Coupa Pay connects with enterprise systems including SAP, Oracle, NetSuite, and Microsoft Dynamics, supporting complex global data flows.
• Gaviti supports simultaneous connections to multiple ERPs across divisions or regions.

Credit Risk and Financing Models

Non-Recourse Protection

• Resolve Pay offers non-recourse financing on eligible approved invoices. Covered credit risk transfers to Resolve Pay, allowing sellers to retain their advance if an approved buyer fails to pay an eligible invoice.
• Coupa Pay does not provide seller financing or direct credit-risk transfer. Supplier financing may be available through third-party partners.
• Gaviti offers credit monitoring and risk assessment but no financing or credit-risk protection, leaving sellers responsible for customer payment risk.

Cash Flow Acceleration

• Resolve Pay provides upfront funding on eligible approved invoices, with the advance based on the applicable credit decision and program.
• Coupa Pay may provide early-payment programs through its buyer network but does not directly advance funds to sellers extending customer terms.
• Gaviti relies on collections efficiency rather than financing to improve cash flow.

Credit Decisioning

• Resolve Pay uses an AI credit engine to evaluate buyers and return decisions in under 24 hours. It analyzes cash flow trends, payment history, and behavioral signals without affecting buyer credit scores.
• Coupa Pay uses transaction data for supplier risk assessment but focuses on buyer-side processes rather than seller customer approvals.
• Gaviti monitors payment behavior and risk indicators, while initial credit decisions remain the seller's responsibility.

Implementation Timelines

Resolve Pay deploys in hours to one week for most implementations. Native integrations with major ecommerce and accounting platforms enable self-serve setup with support available. White-label deployment options exist for larger partners requiring branded experiences.

Coupa Pay implementations typically require weeks to months depending on organizational complexity. Professional services teams handle configuration, change management, and training for enterprise deployments.

Gaviti offers guided setup with implementation timelines ranging from days to weeks based on workflow complexity and ERP integration requirements.

Why B2B Sellers Choose Resolve Pay

For mid-market manufacturers, distributors, and wholesalers, Resolve Pay delivers a comprehensive platform that addresses the interconnected challenges of credit risk, cash flow, and AR operations in a single solution. Rather than choosing between financing or automation, businesses access both through one integrated workflow.

The platform creates distinct advantages:

• Cash flow transformation: Upfront funding on eligible approved invoices helps sellers convert 30 to 90-day payment cycles into faster access to working capital, enabling inventory purchases and growth investments
• Risk protection: Non-recourse structure on eligible transactions transfers covered buyer default risk to Resolve Pay, allowing sellers to offer competitive terms without balance sheet exposure
• Operational efficiency: 90% reduction in manual AR work frees finance teams for strategic activities
• Exceptional satisfaction: Perfect 5.0/5 ratings on both G2 and Capterra demonstrate product-market fit and customer experience
• Rapid deployment: Implementation in hours to days means faster ROI realization

Resolve Pay's approach combines the automation benefits of software platforms with the cash flow advantages of financing, while adding non-recourse protection that traditional factoring cannot match.

For B2B sellers with $1M+ annual revenue who extend net terms to commercial buyers, Resolve Pay brings credit decisioning, payments, AR automation, and collections into a connected seller-focused workflow.

Frequently Asked Questions

How Does Non-Recourse Financing Differ From Traditional Factoring?

Traditional factoring typically involves recourse agreements where sellers must repay advances if customers default. Resolve Pay's non-recourse model transfers covered credit risk on eligible approved invoices to Resolve Pay. If an approved buyer fails to pay an eligible invoice, the seller keeps their advance with no repayment obligation, eliminating bad debt exposure on those transactions.

Can Resolve Pay Integrate With My Existing Ecommerce Platform?

Yes. Resolve Pay supports ecommerce integrations including Shopify, BigCommerce, Magento, and WooCommerce. These integrations can bring net terms into B2B ecommerce workflows while connecting credit, payment, and receivables processes.

How Long Does Resolve Pay Implementation Take?

Implementation depends on the systems and workflow involved. Resolve Pay provides pre-built integrations and flexible APIs designed to help businesses connect ecommerce, accounting, and ERP systems without rebuilding their entire payments workflow.

How Does Resolve Pay Improve Cash Flow?

Resolve Pay can provide upfront funding on eligible approved invoices while allowing qualified buyers to retain approved net terms. This helps sellers access working capital sooner instead of waiting for the full customer payment cycle.

What Types of Businesses Use Resolve Pay?

Resolve Pay is designed primarily for B2B sellers such as manufacturers, distributors, wholesalers, and other businesses that extend payment terms to commercial buyers. It combines credit decisioning, net terms, payments, AR automation, and collections in a connected workflow.

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.