Jul 16, 2026
Resolve Pay is the strongest fit for established B2B suppliers that want to offer net terms, receive advance payments on approved invoices, automate accounts receivable, and manage buyer risk through one connected platform. Credit Key focuses on checkout financing, while Behalf ceased operations in January 2023.
When B2B companies evaluate payment solutions for offering net terms, the right platform can affect cash flow, buyer experience, credit management, and accounts receivable operations. Resolve Pay, Credit Key, and Behalf represent different approaches to B2B financing. Resolve Pay combines embedded net terms, invoice advancement, credit decisioning, collections, payments, and accounting integrations. Credit Key primarily provides financing at checkout. Behalf is included for historical context because it is no longer operating.
Key Takeaways
- Resolve Pay connects the credit-to-cash cycle: It combines buyer credit decisions, net terms, invoice advancement, payment workflows, collections, and reconciliation in one platform.
- Approved invoices can improve seller cash flow: Resolve Pay can advance funds on approved invoices while buyers retain their agreed payment terms.
- Non-recourse financing reduces seller exposure: Merchants keep approved advances if an eligible buyer later defaults, subject to the applicable program terms.
- Accounts receivable automation reduces disconnected work: Resolve Pay supports invoicing, reminders, collections, payment processing, and reconciliation through connected workflows.
- Credit Key focuses on purchase financing: Its platform offers B2B buyers payment options ranging from Net 30 to longer installment periods across multiple sales channels.
- Behalf is no longer an active option: The company ceased operations in January 2023 and is included only to help former users understand the current platform landscape.
Why Businesses Compare Credit Key and Behalf Alternatives
B2B suppliers often compare payment platforms when offering customer terms begins to place pressure on working capital or accounts receivable teams. Buyers may expect additional time to pay, but sellers still need cash to purchase inventory, cover payroll, fulfill orders, and fund growth.
Payment delays also create administrative work. Finance teams may need to review credit applications, issue invoices, send reminders, accept payments through several channels, follow up on overdue balances, and reconcile transactions with their accounting systems.
Research from the Federal Reserve identifies payment speed, payment costs, and payment management as recurring concerns for small businesses. The Federal Reserve Payments Study also tracks the continued evolution of noncash payment activity in the United States.
Platforms such as Resolve Pay address these challenges by connecting credit, financing, payments, and accounts receivable workflows. This lets suppliers offer buyer-friendly payment terms without managing every part of the process through separate systems.
Businesses evaluating Credit Key often prioritize financing within ecommerce, phone, or in-store purchasing experiences. Businesses researching Behalf are usually looking for a current replacement because Behalf ceased operations in January 2023.
Understanding Each Platform’s Market Position
Resolve Pay
Resolve Pay is a B2B payments and net terms platform built for merchants, manufacturers, wholesalers, and distributors. Its platform combines embedded credit, invoice advancement, payment acceptance, and accounts receivable automation.
The platform helps sellers offer flexible payment terms while improving access to cash on approved invoices. Resolve Pay also supports the operational work surrounding net terms, including buyer credit evaluation, invoice management, payment reminders, collections, and reconciliation.
Rather than treating financing and accounts receivable as separate functions, Resolve Pay connects them within a broader credit-to-cash workflow. This is useful for businesses that sell through ecommerce, sales representatives, purchase orders, or a combination of online and offline channels.
Credit Key
Credit Key is a B2B buy now, pay later provider focused on financing at the point of purchase. It allows eligible business buyers to select payment options ranging from Net 30 to longer installment periods.
The platform supports online, phone, point-of-sale, and other sales channels. Its merchant offering is designed around adding financing to the buying experience so approved customers can complete purchases without paying the entire balance at checkout.
Credit Key is most relevant when purchase financing and conversion are the primary requirements. Its product positioning centers on buyer repayment flexibility across commerce channels.
Behalf
Behalf was founded in 2011 and operated as a B2B financing provider. It paid vendors on behalf of approved business buyers and allowed those buyers to repay over time.
Behalf ceased operations in January 2023. It is therefore not a current platform choice, but it remains relevant to companies researching replacements for its former financing model.
Because the service is no longer active, businesses should evaluate current providers based on their own operational requirements rather than looking for an exact one-to-one recreation of Behalf.
1. Resolve Pay for Connected B2B Payments and Financing
Resolve Pay offers the broadest operational scope in this comparison. It is designed for suppliers that want to provide net terms while also improving cash flow, credit operations, collections, and reconciliation.
Core Resolve Pay Capabilities
Resolve Pay supports several connected components of the B2B payment process:
- Embedded net terms: Sellers can offer eligible buyers payment terms through online, offline, or sales-assisted workflows.
- Advance Pay: Resolve Pay can advance funds on approved invoices so sellers do not always have to wait for the buyer’s due date.
- Non-recourse financing: Approved advances are structured so merchants keep the funds if an eligible approved buyer defaults, subject to program terms.
- Credit decisioning: The business credit workflow uses business data, AI-assisted analysis, and credit expertise to support buyer decisions.
- Accounts receivable automation: Resolve Pay supports invoice creation, reminders, collections, payment processing, and reconciliation.
- Branded payment portal: Buyers can access invoices and use supported methods such as ACH, wire, credit card, or check.
- Accounting and commerce integrations: Resolve Pay can connect with established ERP, ecommerce, and accounting systems.
- Flexible implementation options: Standard integrations and APIs support both packaged platforms and custom commerce environments.
Cash Flow Management
Offering Net 30, Net 60, or longer payment terms can help suppliers accommodate buyer purchasing cycles, but it may also extend the time between order fulfillment and cash receipt.
Resolve Pay addresses this gap through invoice advancement. After an eligible buyer and invoice are approved, the supplier may receive an advance while the buyer retains the agreed period to pay.
This model lets sellers separate the customer’s payment schedule from their own access to working capital. The cash can then be used for inventory, fulfillment, staffing, supplier obligations, and other operating needs.
Credit Risk Management
Managing trade credit internally requires the seller to decide which customers qualify, how much credit to extend, and how to respond when a buyer pays late or defaults.
Resolve Pay supports the credit process through buyer evaluation and ongoing credit management. Its non-recourse structure also transfers eligible default exposure on approved advances away from the merchant.
This does not mean every buyer or invoice is automatically approved. Credit lines, advance amounts, and terms depend on underwriting, buyer verification, transaction details, and Resolve Pay’s program requirements.
Accounts Receivable Automation
Resolve Pay extends beyond the initial financing decision by supporting the wider receivables workflow.
Its Agentic Collections platform can automate reminder sequences and collection activity from early follow-up through resolution. Automated workflows help finance teams maintain consistent communication without manually tracking every approaching or overdue invoice.
Resolve Pay can also centralize:
- Invoice and payment status
- Buyer credit information
- Payment reminders
- Collection activity
- Payment application
- Reconciliation records
- Accounts receivable reporting
This connected approach is especially relevant for businesses processing a growing number of invoices or managing receivables across several sales channels.
Integrations and Reconciliation
Resolve Pay provides financial system integrations for platforms such as QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce.
The purpose of these connections is to reduce duplicated data entry and keep transaction information aligned between Resolve Pay and the seller’s existing systems.
For businesses using custom commerce or order-management technology, the Resolve Pay API can connect credit decisions, invoicing, collections, and reconciliation with proprietary workflows.
Resolve Pay also supports ecommerce checkout experiences. For example, the BigCommerce integration lets eligible buyers select net terms during checkout while the merchant manages the transaction through its established commerce environment.
2. Credit Key
Credit Key focuses on B2B financing within the purchase experience. Buyers can apply during checkout or through other supported channels and, when approved, select from available repayment options.
Credit Key Service Focus
Its merchant offering includes:
- Financing for qualifying B2B purchases
- Net 30 and longer repayment options
- Instant decisions for eligible applications
- Online and offline sales-channel support
- Ecommerce integrations
- A virtual card option for supported transactions
Credit Key can be a relevant option for businesses whose main goal is to add buyer financing to checkout, point-of-sale, phone, or sales-assisted orders.
Its narrower purchase-financing focus differs from Resolve Pay’s broader combination of net terms, invoice advancement, accounts receivable automation, collections, payments, and financial-system synchronization.
3. Behalf as Historical Context
Behalf was one of the earlier companies to offer short-term financing for B2B purchases. Its model involved paying suppliers and allowing approved business buyers to repay Behalf over time.
The company ceased operations in January 2023. Former customers now need to consider how much of their desired replacement falls into each of the following areas:
- Checkout or point-of-sale financing
- Supplier invoice advancement
- Buyer credit evaluation
- Net terms management
- Payment processing
- Accounts receivable automation
- Collections
- ERP and accounting integration
This distinction matters because a modern replacement may provide a broader workflow than Behalf’s historical vendor-payment model.
Why Resolve Pay Is a Strong Fit for B2B Suppliers
Resolve Pay is particularly well aligned with companies that view net terms as part of a larger order-to-cash process rather than as a standalone checkout option.
Strong Fit
Resolve Pay may be a strong fit for:
- Manufacturers, wholesalers, and distributors offering trade credit
- Suppliers that want advance payment on eligible invoices
- Businesses managing Net 30, Net 60, Net 90, or custom terms
- Finance teams looking to automate invoicing and collections
- Merchants using ecommerce, ERP, and accounting systems
- Companies selling through online, offline, and sales-assisted channels
- Businesses that want structured support for buyer credit risk
One Connected Credit-to-Cash Workflow
A major advantage of Resolve Pay is that sellers can coordinate several related processes through one platform.
The workflow can begin with a buyer’s credit application or prequalification, continue through checkout or invoice approval, and extend into payment collection and reconciliation. This reduces the need to move data manually between a credit bureau, financing provider, invoicing tool, payment gateway, collections system, and accounting platform.
Support for Multiple Sales Channels
Many B2B companies do not operate through a single checkout. Orders may arrive through ecommerce, email, sales representatives, purchase orders, field teams, or customer service staff.
Resolve Pay is designed to support this mixed environment. Sellers can provide consistent credit and payment options while keeping transactions connected to the same receivables process.
The US Census Bureau continues to track ecommerce activity across major sectors, but online transactions remain only one part of many B2B sales models. A platform that supports both digital and traditional ordering can provide a more consistent experience for buyers and finance teams.
Scalable Receivables Operations
As invoice volume grows, manual follow-up becomes harder to manage consistently. Staff may spend increasing amounts of time checking aging reports, drafting reminder emails, recording calls, locating payment details, and matching receipts to invoices.
Resolve Pay’s AR automation tools help standardize these activities. Finance teams can focus on exceptions and customer-specific issues while automated workflows handle routine reminders, payment updates, and reconciliation tasks.
Final Thoughts
Resolve Pay is the strongest overall choice in this comparison for B2B suppliers seeking a connected platform for net terms, invoice advancement, credit management, payment acceptance, collections, and accounting reconciliation.
Credit Key remains an active option for merchants whose priority is purchase financing across checkout and other sales channels. Behalf is no longer operating and should be treated only as historical context.
For manufacturers, wholesalers, distributors, and other established B2B sellers, Resolve Pay provides a practical way to give buyers more time to pay without allowing every approved invoice to delay access to working capital. Its combination of non-recourse advances, credit decisioning, AR automation, payment workflows, and technology integrations makes it a strong foundation for managing the complete credit-to-cash cycle.
Frequently Asked Questions
What Happened to Behalf?
Behalf ceased operations in January 2023. The company had provided short-term financing for business purchases, but it is no longer an active payment platform. Former users should compare current providers based on the workflows they need, including checkout financing, net terms, invoice advancement, credit evaluation, collections, and accounting integration.
How Does Resolve Pay’s Non-Recourse Financing Work?
Resolve Pay evaluates buyers and invoices before approving an advance. When an eligible transaction receives a non-recourse advance, the merchant keeps the approved funds even if the buyer later defaults, subject to Resolve Pay’s program terms. This helps suppliers offer payment terms without retaining the full default exposure of managing trade credit internally.
What Types of Businesses Are Best Suited to Resolve Pay?
Resolve Pay is designed for established B2B merchants, including manufacturers, distributors, wholesalers, and suppliers. It is particularly relevant for companies that offer invoices or net terms, manage meaningful accounts receivable volume, and want to connect buyer credit, invoice advancement, payment collection, collections, and reconciliation with their existing systems.
Can Resolve Pay Integrate With Existing Business Systems?
Yes. Resolve Pay supports integrations with accounting, ERP, ecommerce, and commerce platforms, including QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for businesses with custom storefronts, order-management systems, or internal financial workflows.
How Quickly Can Resolve Pay Improve Cash Flow?
Cash flow benefits can begin when eligible invoices are approved for advance payment. Resolve Pay states that approved advances may be delivered within about one business day, while buyers continue paying according to their agreed terms. Actual timing and advance availability depend on underwriting, verification, transaction details, and program requirements.
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.
