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.
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 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:
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.
Documented customer outcomes demonstrate the platform's impact on mid-market B2B sellers:
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 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.
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 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.
The platform provides:
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.
All three platforms support accounts receivable-related workflows, but their capabilities differ based on their core focus.
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.
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:
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.
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.
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.
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.
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.
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.