Selecting the right B2B payments platform determines how effectively your business manages cash flow, extends credit to buyers, and scales operations. While Coupa Pay serves enterprise procurement teams and Kriya is a UK-founded provider of embedded B2B credit and working capital, Resolve Pay delivers non-recourse net terms financing specifically designed for mid-market US manufacturers, distributors, and wholesalers.
Understanding these fundamental differences in business models, geographic focus, and core capabilities helps B2B sellers choose the platform that aligns with their revenue goals and operational requirements. Each platform serves different stakeholders: Resolve Pay focuses on helping sellers extend credit while protecting cash flow, Coupa Pay manages enterprise buyer-side procurement processes, and Kriya provides embedded finance solutions with particular strength in UK and European working capital markets.
The B2B payments market encompasses distinct platform categories serving different operational models. Federal Reserve payment research tracks how businesses and consumers use major noncash payment methods, providing context for evaluating different payment workflows and technologies.
Seller-side net terms financing platforms like Resolve Pay help B2B sellers offer payment terms to buyers while receiving immediate cash advances. The platform handles credit decisioning, invoice financing, accounts receivable automation, and collections management so sellers can compete with larger enterprises offering Net 30, 60, or 90 terms without straining their own cash flow.
Buyer-side procurement platforms like Coupa Pay serve enterprise purchasing teams managing supplier payments, spend visibility, and procurement workflows. These systems focus on the buying organization's perspective rather than helping sellers extend credit to their customers.
Embedded finance providers like Kriya deliver B2B buy now pay later solutions and invoice financing products, often through partnerships with ecommerce platforms and payment processors. These solutions typically focus on specific geographic regions and work within existing checkout flows.
The distinction matters because each model serves different stakeholders. Manufacturers and distributors extending credit to business buyers benefit from seller-focused platforms, large enterprises managing complex procurement processes need buyer-side solutions, and businesses operating in specific geographic markets may find regional specialists valuable.
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers offering net payment terms to business buyers. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and collections management in a single integrated solution.
The core value proposition centers on non-recourse financing. When sellers offer Net 30, 60, or 90 terms through Resolve Pay, the platform advances up to 90-100% of approved invoice value within 24-48 hours. For eligible approved financed invoices, Resolve Pay's non-recourse structure means the seller keeps the advance if the buyer later defaults, subject to the applicable program terms.
This non-recourse model on eligible approved financed transactions helps protect sellers from buyer-default exposure while allowing them to offer payment terms. The platform's AI credit engine evaluates thousands of buyer data points to deliver credit decisions in 10-30 seconds, enabling instant approvals at checkout rather than multi-day underwriting processes.
Net Terms Financing:
AI Credit Engine:
AR Automation:
The accounts receivable automation platform eliminates manual invoice tracking and reconciliation work:
Agentic Collections:
Resolve Pay's agentic collections capability uses multi-channel automated sequences to manage payment follow-ups:
Payment Portal:
A white-labeled buyer dashboard maintains seller brand identity throughout the payment experience:
Documented outcomes demonstrate the revenue impact for B2B sellers. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours. SS&SI Dealer Network achieved 5x revenue growth through the platform. ConEquip generated 30% year-over-year growth using net terms financing. Elston Materials increased margins from 25% to 30% through improved cash flow management. Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours.
Resolve Pay provides native integrations across ecommerce and accounting platforms. Ecommerce integrations include Shopify, BigCommerce, Magento 2, and WooCommerce. Accounting and ERP connections support QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The REST API with webhooks and sandbox environment enables custom integrations. Most teams launch in under one week with two-way data sync ensuring accurate payment reconciliation.
Coupa Pay operates within the broader Coupa spend-management platform, serving enterprise organizations with procurement, spend management, and supplier payment capabilities. Coupa's broader network includes more than 3,500 buyers and 10 million suppliers.
The fundamental business model differs from Resolve Pay's seller-side approach. Coupa Pay focuses on the buyer side of transactions, helping procurement teams manage outgoing payments to suppliers rather than helping sellers extend credit to their customers.
Spend Management:
Coupa provides a full source-to-pay ecosystem covering procurement through payment:
Payment Orchestration:
Enterprise Integration:
Coupa Pay provides deep connections with major enterprise resource planning systems including SAP integration for large enterprise deployments, Oracle NetSuite and Dynamics connectivity, Workday financial management sync, and custom API options for complex environments.
Coupa Pay serves enterprise procurement teams managing complex, multi-entity purchasing across global operations. The implementation model reflects enterprise complexity. Deployments can require weeks to months depending on organizational size, ERP landscape, and process customization requirements.
Coupa Pay operates globally with multi-country support for international payment rails and currency handling, regional compliance requirements, multinational supplier networks, and cross-border transaction management.
Kriya is a UK-founded B2B credit and embedded finance provider. Its working-capital business has deep roots in the UK, while its PayLater product is available to buyers across 45 countries. The platform has advanced more than £4 billion in credit since 2011 and processed £28 billion in B2B payments.
Originally founded as MarketInvoice, Kriya has evolved to offer multiple working capital products serving UK and European business buyers.
PayLater:
Invoice Finance:
Working Capital Solutions:
In October 2025, Allica Bank acquired Kriya in a move to deliver £1 billion of SME working capital finance by 2028. This acquisition combines Kriya's fintech capabilities with banking infrastructure and regulatory compliance. Kriya also serves as Stripe's official B2B BNPL partner in the UK, integrating PayLater options directly into Stripe checkout flows for UK merchants.
Kriya integrates with multiple ecommerce platforms including BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce.
Resolve Pay focuses on seller-side net terms with non-recourse financing and AR automation. The platform targets B2B sellers with annual revenue of $1M or more. Resolve Pay's non-recourse advances can reduce seller exposure to buyer default on eligible approved financed invoices.
Coupa Pay centers on buyer-side procurement with spend management and procurement capabilities. The platform targets enterprise procurement teams. Risk models vary by solution configuration within the broader Coupa platform.
Kriya provides UK and European embedded finance through PayLater and invoice finance products. The platform targets UK and European businesses, with PayLater available across 45 countries. Risk structures vary by product within Kriya's portfolio.
Resolve Pay optimizes for US and North American B2B sellers. The platform's credit decisioning models, compliance infrastructure, and support systems focus on domestic market requirements. For businesses selling primarily to US buyers, this specialization delivers relevant buyer coverage and localized support.
Coupa Pay operates globally with multi-country payment processing, currency handling, and regional compliance capabilities. Enterprise organizations with international operations across multiple geographies benefit from this broad coverage.
Kriya combines UK-focused working-capital products with a PayLater offering available across multiple international markets. The Allica Bank acquisition strengthens UK banking relationships.
Each platform approaches credit evaluation differently. Resolve Pay delivers AI-powered credit decisions in 10-30 seconds with quiet credit checks without buyer notification, dynamic credit lines that adjust with payment history, and real-time approvals at checkout.
Coupa Pay's credit capabilities vary based on solution configuration and often rely on third-party financing partners for working capital, with a focus on payment timing rather than credit extension.
Kriya provides real-time decisions for PayLater at checkout, UK-specific credit modeling and data sources, and bank-grade underwriting through the Allica partnership.
Resolve Pay provides comprehensive accounts receivable automation as a core platform capability. The system automates invoice generation, payment reminders, reconciliation, and collections management. Customer reports indicate 90% reduction in manual AR work after implementation.
Coupa Pay focuses on accounts payable rather than accounts receivable automation. The platform helps buyers manage outgoing payments to suppliers rather than helping sellers manage incoming payments from customers.
Kriya includes automation within its PayLater and invoice finance products but positions this as part of specific financing solutions rather than standalone AR management.
Time-to-value varies across platforms. Resolve Pay launches in hours to days for most implementations with turnkey integrations. Coupa Pay enterprise deployments typically require weeks to months depending on complexity. Kriya implementation varies case-by-case based on integration requirements and product selection.
Resolve Pay integrates with ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. Accounting and ERP integrations support QuickBooks, Xero, Sage Intacct, and NetSuite. Payment options include ACH, wire, card, and check. A REST API with webhooks is available for custom integrations.
Coupa Pay offers limited ecommerce integrations but comprehensive enterprise ERP connections including SAP, Oracle, Workday, and Dynamics. The platform supports global payment rails and provides a comprehensive enterprise API.
Kriya integrates with BigCommerce, Magento, WooCommerce, and PrestaShop for ecommerce. The platform emphasizes Stripe as its UK B2B BNPL partner and offers API-based integrations.
Resolve Pay offers white-labeled payment portals that maintain seller brand identity throughout the buyer payment experience. Buyers see the seller's branding rather than Resolve Pay's, preserving customer relationships.
Coupa Pay focuses on enterprise procurement workflows where the buying organization's processes take precedence over supplier branding considerations.
Kriya provides branded experiences within its checkout integrations, though the specific branding approach varies by product and platform.
A key difference in B2B financing is who carries the credit risk if a buyer does not pay. According to U.S. Small Business Administration guidance, businesses should consider funding needs, repayment obligations, and their ability to service debt when choosing a working-capital option.
With Resolve Pay:
With recourse financing:
Funding terms also vary by platform:
Resolve Pay is SOC 2 Type II attested, reflecting an independent assessment of relevant security and control practices. The platform serves regulated industries including medical devices, pharmaceutical distribution, and financial services equipment.
Coupa Pay supports global enterprise compliance requirements across multiple jurisdictions, including GDPR, regional data privacy regulations, and industry-specific standards.
Kriya operates under UK financial services regulation with additional banking oversight following the Allica Bank acquisition.
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to extend payment terms without forcing their own cash flow to follow the buyer's payment schedule.
The platform brings credit decisioning, non-recourse advances on eligible approved invoices, invoicing, reconciliation, payments, and collections into a connected workflow. Key capabilities include:
The platform's ecommerce, ERP, accounting, and API integrations allow these processes to fit into the systems B2B sellers already use. Implementation typically completes in hours to days rather than weeks or months.
For businesses focused on improving the seller-side credit-to-cash process while offering buyers flexible terms, Resolve Pay provides a purpose-built approach centered on B2B receivables and cash-flow management.
Resolve Pay combines net terms financing, buyer credit decisioning, accounts receivable automation, payment workflows, reconciliation, and collections for B2B sellers. Eligible approved financed invoices can also receive non-recourse advances, helping sellers improve cash-flow predictability while buyers retain their payment terms.
Implementation depends on the seller's systems and workflow. Resolve Pay offers supported ecommerce integrations, ERP and accounting connections, and API-based options. Ecommerce implementations can range from minutes to a few hours for supported setups, while broader account and system configuration may take several days.
When sellers extend credit through Resolve Pay, the platform assumes the credit risk on eligible approved financed invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss subject to program terms. This non-recourse structure on eligible approved financed invoices helps reduce seller exposure to buyer default while allowing businesses to offer competitive payment terms.
Resolve Pay delivers a comprehensive approach for mid-market B2B sellers managing receivables. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and agentic collections in a single solution. Customer reports indicate 90% reduction in manual AR work along with documented revenue outcomes like Archipelago's tripled revenue and SS&SI's 5x growth.
Yes, Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also offers a REST API with webhooks for custom integrations. Most teams launch within one week with bi-directional data sync ensuring accurate payment reconciliation without manual entry.
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.