Jul 16, 2026
Resolve Pay is the strongest fit for B2B sellers that want net terms financing, credit underwriting, payment workflows, and accounts receivable automation in one platform. Credit Key focuses on embedded buyer financing, while Invoiced focuses on invoice-to-cash automation.
Manufacturers, distributors, wholesalers, and other B2B sellers often compare these platforms because each addresses a different part of the payment cycle. Credit Key provides financing at checkout and through sales-assisted channels. Invoiced helps finance teams automate invoicing, collections, payments, and cash application. Resolve Pay brings these functions together through a supplier-focused platform that combines net terms financing, AI-supported credit decisions, non-recourse invoice advances, payment processing, and AR automation. This broader credit-to-cash approach makes Resolve Pay especially relevant for businesses that want to offer flexible terms without placing additional pressure on working capital.
Key Takeaways
- Resolve Pay connects the full credit-to-cash cycle: Sellers can manage buyer credit, net terms, invoice advances, payments, collections, and reconciliation through one coordinated platform.
- Non-recourse advances help protect cash flow: Resolve Pay advances funds on approved invoices while allowing qualified buyers to pay according to their agreed terms.
- Credit Key centers on embedded buyer financing: Its platform supports instant financing decisions and flexible payment options across ecommerce, phone, and in-person sales channels.
- Invoiced centers on AR automation: Its software supports invoice delivery, payment collection, cash application, customer portals, and related finance workflows.
- The platforms serve different operational priorities: The right fit depends on whether a business primarily needs financing at checkout, invoice-to-cash automation, or an integrated net terms and AR platform.
- Resolve Pay is built for established B2B sellers: Manufacturers, wholesalers, distributors, and ecommerce merchants can use it to extend terms while reducing manual receivables work.
The Federal Reserve Payments Study documents the continued evolution of payment activity in the United States. The Federal Reserve has also identified payment speed, payment costs, and payment management as recurring small-business payment challenges. For B2B sellers, these issues become more complex when invoices remain outstanding for 30, 60, or 90 days.
Understanding Each Platform’s Market Position
Resolve Pay
Resolve Pay is an AI-powered B2B payments and net terms platform for manufacturers, distributors, wholesalers, and other established sellers. It combines embedded credit expertise, invoice financing, payment workflows, and AR automation in one system.
The company originated from a B2B payments initiative created by members of the Affirm team. Resolve Pay was later established as an independent platform focused specifically on the operational and financial requirements of business-to-business commerce.
Its supplier-focused model helps sellers:
- Assess business buyers for credit
- Offer Net 30, Net 60, Net 90, or other approved terms
- Receive advances on qualified invoices
- Process ACH, wire, card, and check payments
- Automate reminders and collections workflows
- Reconcile transaction data with connected systems
- Maintain a branded buyer payment experience
Resolve Pay’s non-recourse structure means that advances on approved invoices are generally kept by the seller even if an approved buyer later defaults, subject to the applicable agreement and transaction requirements. This allows sellers to extend terms without managing the same level of buyer credit exposure internally.
Credit Key
Credit Key provides embedded B2B financing at the point of sale. Merchants can present financing options through ecommerce checkout, phone orders, sales-assisted transactions, and certain in-person workflows.
Its platform is designed around instant buyer applications and flexible repayment options. Depending on the program and buyer approval, terms can range from traditional net terms to longer installment structures.
Credit Key is therefore most relevant when the main objective is adding a financing method to the purchasing experience. Its workflow is centered on helping buyers finance transactions while merchants receive payment after approved purchases.
Invoiced
Invoiced is an accounts receivable automation platform that helps businesses manage the invoice-to-cash process. Flywire acquired Invoiced in August 2024, adding its workflow automation capabilities to Flywire’s wider B2B payments operations.
Invoiced supports invoice delivery, automated reminders, payment collection, customer self-service, cash application, subscription billing, and reporting. Its CashMatch technology helps finance teams associate incoming payments with the appropriate invoices.
The platform is primarily designed for organizations seeking software-based AR process automation. Its central use case is improving the administration of receivables rather than advancing funds against approved invoices.
1. Resolve Pay for Integrated B2B Payments and Financing
Core Platform Capabilities
Resolve Pay is the broadest option in this comparison for sellers that need both working-capital support and receivables automation. Instead of treating credit checks, financing, payments, collections, and reconciliation as separate projects, it connects them within a coordinated workflow.
Its main capabilities include:
- AI-supported business credit decisions: Resolve Pay evaluates business information and other relevant signals to help sellers assess buyers and assign appropriate credit limits.
- Non-recourse invoice advances: Sellers may receive up to the approved portion of eligible invoice value while the buyer retains their payment terms.
- Flexible net terms: Businesses can offer approved Net 30, Net 60, Net 90, or customized payment structures.
- Automated invoicing and collections: Workflows can generate invoices, issue reminders, track payment activity, and support collection outreach.
- Payment processing: A branded B2B payment portal can accept ACH, wire transfers, credit cards, and checks.
- Automated reconciliation: Payment and invoice information can be matched and synchronized with connected financial systems.
- Embedded ecommerce terms: Sellers can add ecommerce net terms to eligible checkout and account-based purchasing workflows.
- API support: Flexible APIs help businesses incorporate credit, payment, and terms functionality into custom commerce environments.
Resolve Pay also provides business credit checks that can begin with basic company information. This helps sellers evaluate potential buyers without relying entirely on manual credit applications and reference checks.
Integrations
Resolve Pay supports connections with widely used accounting, ERP, and ecommerce systems. Its integration capabilities include platforms such as:
- QuickBooks Online
- Xero
- Oracle NetSuite
- Sage Intacct
- Shopify
- BigCommerce
- Magento
- WooCommerce
Integration requirements vary based on the seller’s systems and desired workflow. Ecommerce implementations may focus on presenting terms during checkout, while ERP implementations may synchronize customers, invoices, payments, and reconciliation data.
For NetSuite users, Resolve Pay can connect invoice and payment information to reduce duplicate entry and support a more consistent receivables process. The platform also provides APIs and technical support for custom configurations.
Cash Flow and Risk Management
Offering payment terms can improve the buyer experience, but it also requires the seller to fund operating expenses while waiting for invoices to mature. Resolve Pay addresses this timing gap through advances on approved invoices.
The process generally follows four steps:
- The seller submits or synchronizes a buyer for credit review.
- Resolve Pay evaluates the business and establishes an approved credit limit.
- The seller issues an eligible invoice under the approved terms.
- Resolve Pay advances the approved amount while managing the related payment workflow.
Because advances are non-recourse on approved invoices, Resolve Pay assumes the applicable buyer credit risk under the program terms. Sellers remain responsible for matters outside normal buyer credit default, including contractual disputes, invalid invoices, fraud, or other exclusions described in their agreement.
This model differs from a conventional recourse factoring arrangement in which the seller may be required to repurchase an unpaid invoice. Resolve Pay positions its platform as a modern factoring alternative that combines financing with customer-facing payment and AR workflows.
Accounts Receivable Automation
Resolve Pay’s AR capabilities cover more than invoice reminders. The platform supports multiple invoice structures, including net terms, cash on delivery, and invoices due upon receipt.
Automation can help finance teams manage:
- Invoice creation and delivery
- Buyer payment reminders
- Collection sequences
- Payment-status updates
- Cash application
- Bookkeeping synchronization
- Credit exposure and utilization
- Receivables reporting
AI-supported workflows can prioritize accounts, coordinate outreach, and reduce repetitive administrative work. Resolve Pay also offers AI-powered collections for businesses that want to automate more of the follow-up process while preserving escalation paths for their internal teams.
2. Credit Key
Core Platform Capabilities
Credit Key is designed for merchants that want to present financing options at or near the point of sale.
Its capabilities include:
- Embedded applications during checkout
- Instant or rapid buyer decisions
- Net terms and installment options
- Ecommerce financing
- Phone and sales-assisted transactions
- In-person purchasing support
- Merchant payment after approved transactions
- Buyer account and repayment management
The platform can support traditional Net 30 arrangements as well as repayment periods extending beyond standard trade terms. Available terms and limits depend on underwriting, transaction details, and the specific merchant program.
Its focus remains buyer financing and transaction conversion. Companies that also need broader invoice management, non-recourse invoice advancement, bookkeeping synchronization, and end-to-end AR automation may prefer a more comprehensive credit-to-cash platform.
3. Invoiced
Core Platform Capabilities
Invoiced helps finance teams automate recurring AR tasks and provide customers with digital payment tools.
Its capabilities include:
- Electronic invoice delivery
- Automated payment reminders
- Online customer portals
- ACH and card payment acceptance
- Cash application
- Collections workflows
- Dispute and communication management
- Subscription billing
- ERP and accounting integrations
- Receivables reporting
CashMatch helps associate incoming payments and remittance information with outstanding invoices. This is particularly useful for companies processing a high volume of payments across multiple customer accounts.
Its role differs from Resolve Pay’s supplier financing model. Resolve Pay combines AR automation with buyer credit decisions, net terms infrastructure, and non-recourse advances on approved invoices. Invoiced is primarily positioned as receivables software within Flywire’s broader payments portfolio.
Why Resolve Pay Is the Strongest Fit for B2B Sellers
A Unified Credit-to-Cash Workflow
Resolve Pay provides a single operating model for credit review, terms management, invoice advances, payment collection, and reconciliation. This is valuable for businesses that otherwise rely on separate tools for credit reports, financing, payment portals, collections, and accounting updates.
A connected workflow can also improve coordination between sales and finance. Sales teams can understand available buyer credit, while finance teams can monitor invoice status, payment activity, and portfolio exposure.
Flexible Terms Without the Full Cash Flow Delay
Resolve Pay enables qualified buyers to receive approved terms while sellers receive an advance on eligible invoices. This helps businesses use payment flexibility as a sales tool without waiting through the entire collection period before replenishing inventory, paying suppliers, or funding operations.
The CFPB lending resources reflect the broader importance of accessible and transparent business credit. Resolve Pay applies credit infrastructure directly to seller-buyer transactions, allowing approved purchasing power to be embedded within the commercial relationship.
Supplier-Focused Risk Support
Resolve Pay conducts buyer underwriting and provides dynamic credit recommendations based on available business data. For invoices approved under its non-recourse program, the platform assumes the covered buyer default risk.
This structure is especially useful for sellers entering new markets, onboarding unfamiliar accounts, or expanding order sizes with existing buyers. It gives finance teams another way to support sales growth without relying solely on internal credit limits.
Branded Buyer Experience
Resolve Pay can operate behind the seller’s brand. Buyers interact with a branded portal for invoices, payment methods, and account information rather than being redirected into an unrelated consumer-style lending experience.
This relational approach is important in B2B commerce, where suppliers may serve the same accounts for many years. The seller can offer modern credit and payment tools while retaining ownership of the customer relationship.
Support for Ecommerce and Traditional Sales
Resolve Pay can support transactions originating from ecommerce checkout, sales representatives, marketplaces, ERP-generated invoices, or traditional offline orders. This makes the platform relevant for hybrid businesses that cannot rely on a checkout-only financing workflow.
Manufacturers, wholesalers, and distributors can use the same infrastructure across multiple order channels while maintaining consistent credit and AR policies.
Final Verdict
Resolve Pay, Credit Key, and Invoiced address different parts of the B2B payment cycle. Credit Key focuses on embedded financing at the point of sale. Invoiced focuses on automating invoice-to-cash processes. Resolve Pay combines net terms, buyer underwriting, non-recourse invoice advances, payment processing, collections, and reconciliation in one supplier-focused platform.
For established B2B manufacturers, distributors, wholesalers, and ecommerce sellers, Resolve Pay provides the most complete path from credit approval to final payment. Its integrated model helps businesses offer flexible terms, protect cash flow, reduce covered credit risk, and automate receivables without piecing together multiple systems.
Frequently Asked Questions
How Does Resolve Pay’s Non-Recourse Financing Work?
Resolve Pay reviews a business buyer and establishes an approved credit limit. When a seller issues an eligible invoice to that approved buyer, Resolve Pay can advance the approved amount while the buyer receives the agreed payment terms. The advance is non-recourse for covered buyer credit default, subject to the seller’s agreement, invoice validity, and applicable program requirements.
What Types of Businesses Are a Strong Fit for Resolve Pay?
Resolve Pay is designed for established B2B sellers, including manufacturers, distributors, wholesalers, commercial suppliers, and ecommerce merchants. It is especially relevant for companies that offer invoice-based payment terms and want to improve cash flow, automate AR work, or expand buyer purchasing power without building a larger internal credit and collections department.
Can Resolve Pay Integrate With Existing Accounting or Ecommerce Systems?
Yes. Resolve Pay supports integrations with accounting, ERP, and ecommerce platforms including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also provides APIs for custom implementations. The exact integration scope depends on the seller’s systems, transaction channels, and desired synchronization workflow.
How Quickly Can Resolve Pay Advance an Approved Invoice?
Resolve Pay states that approved invoice advances can be initiated within approximately one business day. The time required for funds to appear in the seller’s bank account may depend on the payment method, banking network, submission time, verification requirements, and the terms of the seller’s program.
Is Resolve Pay Only for Ecommerce Transactions?
No. Resolve Pay can support ecommerce checkout, sales-assisted orders, ERP-generated invoices, marketplaces, and traditional offline B2B sales. This makes it suitable for businesses operating across several channels that want to apply consistent credit, payment, financing, and receivables workflows.
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.
