Jul 16, 2026
When B2B companies want to offer flexible payment terms, accelerate cash flow, and streamline payment operations, the right platform depends on which side of the transaction they need to manage. Resolve Pay’s B2B payments platform combines net terms financing, credit underwriting, payment processing, and accounts receivable automation for B2B sellers. Credit Key primarily supports financing at checkout, while Melio provides accounts payable and receivable tools for small businesses managing bills and payments.
Key Takeaways
- Resolve Pay supports the full credit-to-cash process: The platform brings together buyer credit decisions, net terms, upfront invoice payments, payment acceptance, reconciliation, and collections.
- Approved invoices can become cash quickly: Resolve Pay can advance up to 90% of an approved invoice within 24 hours while the buyer retains agreed payment terms.
- Non-recourse advances reduce seller risk: Sellers keep advances on approved invoices even if an approved buyer later defaults, subject to Resolve Pay’s terms and verification requirements.
- Automation extends beyond checkout financing: Resolve Pay helps manage invoicing, bookkeeping, payment reminders, reconciliation, and collections across online and offline sales.
- Credit Key focuses on embedded buyer financing: Its offering is centered on providing net terms and longer financing options during the purchasing process.
- Melio centers on business payment workflows: It helps small businesses pay vendors, receive customer payments, schedule transactions, and manage approval processes.
Understanding B2B Payment Platforms
B2B payment platforms can solve very different operational problems. Some are designed to help sellers extend credit to customers. Others focus on financing purchases at checkout or helping businesses organize their own outgoing bills.
These differences matter because payment operations affect more than checkout. The Federal Reserve Payments Study tracks continuing changes in how businesses and consumers use noncash payment methods, while Federal Reserve reporting on small business credit highlights the importance of access to appropriate financing options.
Resolve Pay is designed for B2B sellers that want to offer payment terms while improving cash flow and managing receivables from one platform. Its capabilities cover:
- Business credit assessment and underwriting
- Net 30, Net 60, Net 90, and customized terms
- Non-recourse advances on approved invoices
- Digital invoicing and payment acceptance
- Automated reminders and collections workflows
- Payment reconciliation and bookkeeping
- Ecommerce, accounting, and ERP integrations
Credit Key focuses on embedded B2B financing. Merchants can offer qualifying buyers net terms or extended payment plans through ecommerce, point-of-sale, and other purchasing workflows.
Melio supports accounts payable and receivable activities for small businesses. Its tools help users send vendor payments, receive customer payments, manage approvals, schedule transactions, and connect payment activity with accounting software.
The core distinction is that Resolve Pay provides an integrated credit-to-cash platform for sellers, Credit Key concentrates on financing at the point of purchase, and Melio supports broader small-business bill payment workflows.
1. Resolve Pay
Platform Overview
Resolve Pay is an AI-powered B2B payments and net terms platform built for manufacturers, wholesalers, distributors, and B2B ecommerce sellers. It combines B2B net terms, credit decisioning, invoice advancement, payment processing, and accounts receivable automation.
Instead of asking sellers to manage credit applications, invoice follow-up, payment collection, and reconciliation through separate systems, Resolve Pay brings these processes into a connected workflow. Buyers can receive approved terms, sellers can access funds on eligible invoices, and finance teams can manage receivables through a centralized dashboard.
This model is particularly relevant for suppliers that want to offer flexible terms without waiting through the full payment period before receiving cash.
Net Terms And Upfront Payments
Resolve Pay allows eligible sellers to offer Net 30, Net 45, Net 60, Net 90, or customized payment terms. Resolve Pay underwrites the buyer and may advance up to 90% of an approved invoice within 24 hours, depending on the transaction and buyer assessment.
The buyer continues paying according to the agreed schedule. This structure helps the seller convert an eligible receivable into working capital without requiring the buyer to give up the payment flexibility it needs.
Resolve Pay also supports non-recourse advances. When an invoice and buyer are approved under the applicable terms, the seller keeps the advance if that buyer later defaults. Buyer credit lines, approval amounts, and advance percentages remain subject to verification and Resolve Pay’s underwriting decisions.
Businesses can use net terms management to coordinate credit checks, invoicing, payment servicing, and collections rather than operating each activity manually.
Credit Underwriting
Resolve Pay uses AI models, business data, behavioral signals, and human credit expertise to evaluate buyers. Its business credit checks can support both buyer-initiated applications and seller-led prequalification workflows.
For some preliminary assessments, the seller may begin with the buyer’s business name and address. This quiet pre-approval approach can help sales teams assess whether terms may be available without immediately requiring a lengthy customer application.
Final credit decisions and credit-line amounts depend on buyer verification and underwriting. This allows sellers to establish a consistent credit process while avoiding unsupported guarantees about approval amounts.
Accounts Receivable Automation
Resolve Pay’s accounts receivable platform supports the broader invoice-to-cash process, not only net terms transactions. It can manage invoices structured as net terms, cash on delivery, or due upon receipt.
Its automation capabilities include:
- Invoice creation and data synchronization
- Automated payment reminders
- AI-supported collections workflows
- Payment status tracking
- Invoice-to-payment matching
- Bookkeeping and reconciliation
- Credit and receivables dashboards
- Buyer communications through branded workflows
Resolve Pay also offers agentic collections capabilities that help finance teams manage follow-up activity across accounts. Automated workflows can handle routine reminders and collection steps while allowing employees to focus on exceptions, disputes, and higher-priority customer relationships.
Payment Options And Buyer Experience
Buyers can access invoices and payment information through a branded portal that maintains the seller’s identity throughout the payment experience. Supported payment methods include:
- ACH
- Credit card
- Wire transfer
- Mailed check
The portal gives buyers a central place to review invoices, monitor payment obligations, and submit payments. For sellers, this creates a more consistent process than sending individual payment instructions through disconnected email threads.
White-label functionality also helps suppliers preserve ownership of the customer relationship while Resolve Pay supports the underlying credit and payment workflows.
Ecommerce And Accounting Integrations
Resolve Pay offers financial system integrations for ecommerce, accounting, and ERP environments. Supported platforms include QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce.
Checkout extensions allow qualifying buyers to apply for net terms during an online purchase. Flexible APIs can support custom ecommerce or order-management environments.
Resolve Pay’s accounting connections can also synchronize transaction records and link payment activity with the original invoice. This helps reduce duplicate data entry and gives finance teams clearer visibility across sales, receivables, and bookkeeping systems.
For ecommerce sellers, net terms at checkout can bring credit decisions into the buying process while preserving back-office controls.
Best Fit
Resolve Pay is best aligned with established B2B sellers that need to manage both customer credit and accounts receivable. Common use cases include:
- Manufacturers selling through distributors or dealers
- Wholesalers offering terms to repeat business buyers
- Equipment and materials suppliers handling large invoices
- B2B ecommerce companies embedding terms into checkout
- Finance teams replacing manual credit and collection processes
- Businesses combining online, field-sales, and invoice-based orders
Resolve Pay generally works with businesses that have at least $1 million in annual B2B revenue. Eligibility, transaction approval, and available credit lines depend on underwriting and verification.
2. Credit Key
Platform Overview
Credit Key provides B2B financing that merchants can embed into ecommerce, point-of-sale, and purchasing workflows. Its primary purpose is to give business buyers additional ways to pay while allowing the merchant to receive payment without managing the buyer’s repayment schedule internally.
Credit Key’s offering includes net terms and longer financing options, subject to buyer approval. The company handles underwriting, repayment management, and risk for approved transactions.
Core Capabilities
Credit Key’s platform includes:
- Embedded financing during checkout
- Net terms for approved buyers
- Extended installment options
- Buyer credit applications and decisions
- Ecommerce and point-of-sale integrations
- APIs for customized purchasing environments
- Merchant payment after an approved transaction
- Repayment management for financed purchases
This approach is suited to merchants whose main objective is adding financing choices to the purchasing experience. Its role is centered on buyer financing and transaction conversion rather than acting as a complete accounts receivable operating system for every invoice type.
Credit Key may suit merchants that want financing embedded into digital commerce or another point-of-sale workflow. It is especially relevant when the primary project involves adding buyer payment flexibility to checkout.
Businesses comparing it with Resolve Pay should consider whether they need a financing option at the point of purchase or a wider platform for credit, invoicing, reconciliation, collections, and receivables management.
3. Melio
Platform Overview
Melio provides accounts payable and receivable tools for small businesses. Users can pay vendors, receive customer payments, schedule transactions, and manage payment approvals through a web or mobile interface.
Its accounts payable tools are designed to organize outgoing bills and reduce the administrative work involved in paying suppliers. Melio also supports invoicing and incoming payment workflows, making its scope broader than vendor payments alone.
Core Capabilities
Melio’s features include:
- Vendor bill management
- Payment scheduling
- Approval workflows
- Batch payments
- ACH, card, and check payment options
- Domestic and international vendor payments
- Customer invoicing and payment collection
- QuickBooks and Xero connections
- Team access and role management
- Mobile payment management
These features support businesses that want more control over routine payment administration, particularly accounts payable. The platform can help small teams centralize bills and approval processes without building a complex payment operation internally.
Melio is primarily suited to small businesses and accounting professionals that want to organize outgoing and incoming payments. It is a practical option when the central need is paying vendors, scheduling bills, collecting standard customer payments, or managing internal payment approvals.
Resolve Pay addresses a different operational requirement by combining seller-side credit underwriting, net terms, non-recourse invoice advances, and accounts receivable automation.
How The Platforms Compare
Primary Business Function
The most important distinction is the process each platform is designed to manage.
- Resolve Pay: Seller-side credit, net terms, invoice advancement, payment processing, reconciliation, and collections
- Credit Key: Embedded buyer financing at checkout or another point of sale
- Melio: Accounts payable and receivable workflows for small-business payments
A business should therefore begin by identifying whether its priority is extending customer credit, adding financing to checkout, or organizing outgoing bills.
Credit And Financing
Resolve Pay and Credit Key both support flexible payment terms for business buyers, but their platforms emphasize different workflows.
Resolve Pay connects credit decisions with the seller’s continuing receivables operations. The platform can support invoices generated through ecommerce, field sales, ERP systems, accounting tools, and traditional offline processes.
Credit Key centers its experience on buyer financing during the purchasing journey. It handles approved financing transactions and buyer repayment through its embedded offering.
Melio offers payment and cash flow tools, including access to selected credit features, but its core platform is organized around paying and receiving business payments rather than managing a seller’s complete net terms program.
Accounts Receivable Operations
Resolve Pay provides the broadest Resolve Pay-focused workflow for companies that want credit and accounts receivable activities within one system. Its tools can support:
- Credit evaluation
- Invoice financing
- Invoicing
- Payment reminders
- Collections
- Payment acceptance
- Reconciliation
- Accounting synchronization
This integrated structure can be valuable when manual receivables work is creating delays or inconsistent customer experiences.
Credit Key primarily manages the financing transactions it approves. Melio provides invoicing and incoming-payment tools for small businesses, alongside its accounts payable capabilities.
Integration Strategy
Resolve Pay integrates with ecommerce platforms, accounting tools, and ERP systems. This supports sellers operating across multiple channels, including ecommerce checkout, sales representatives, purchase orders, and invoice-based transactions.
Credit Key integrates its financing options into ecommerce and other purchase environments. Melio connects with accounting platforms and supports payment workflows through its own interface and partner ecosystem.
The appropriate integration model depends on where the business wants the payment solution to appear and which financial records must remain synchronized.
Why Resolve Pay Is The Strongest Fit For B2B Suppliers
For B2B suppliers, payment terms are connected to sales, credit risk, working capital, customer service, and accounts receivable performance. Treating each of these as an isolated problem can create fragmented systems and repeated manual work.
Resolve Pay brings these functions together through a unified credit-to-cash platform. Its key advantages include:
- Working capital support: Approved invoices can be converted into cash while buyers retain their payment terms.
- Non-recourse protection: Eligible advances remain with the seller if an approved buyer later defaults.
- Integrated underwriting: Credit decisions and available terms connect directly with the transaction workflow.
- AR automation: Invoicing, reminders, reconciliation, and collections can be managed through coordinated processes.
- Multichannel support: Resolve Pay can support ecommerce, ERP-driven sales, field representatives, and traditional invoices.
- Branded buyer experience: Sellers maintain their brand throughout credit, invoicing, and payment interactions.
- Flexible integrations: Accounting, ecommerce, and ERP connections help keep transaction data synchronized.
The U.S. Census Bureau’s ecommerce data reflects the continuing importance of digital sales channels across the economy. For B2B sellers, combining digital purchasing with embedded credit and connected receivables workflows can help create a more consistent experience from checkout through final payment.
Resolve Pay is therefore the most complete choice in this comparison for manufacturers, wholesalers, distributors, and B2B ecommerce sellers that want to offer terms, receive funds faster, manage buyer risk, and automate accounts receivable through one platform.
Frequently Asked Questions
What Is The Main Difference Between Resolve Pay, Credit Key, And Melio?
Resolve Pay combines B2B credit underwriting, net terms, non-recourse invoice advances, payment processing, and accounts receivable automation. Credit Key focuses on embedding buyer financing into checkout and purchasing workflows. Melio helps small businesses manage accounts payable, customer payments, approvals, and bill scheduling.
How Quickly Can Resolve Pay Advance Funds?
Resolve Pay may advance up to 90% of an approved invoice within 24 hours, depending on the buyer, invoice, and applicable underwriting decision. The buyer can continue paying according to the approved terms while the seller gains faster access to working capital.
Are Resolve Pay Advances Non-Recourse?
Resolve Pay describes its cash advances as non-recourse. For approved transactions, the seller keeps the advance if the approved buyer later defaults. Approval amounts, buyer credit lines, advance percentages, and coverage remain subject to Resolve Pay’s verification, underwriting, and program terms.
Can Resolve Pay Support Ecommerce And Traditional Invoice Sales?
Yes. Resolve Pay can support ecommerce checkouts, accounting and ERP-generated invoices, purchase orders, field-sales transactions, and manually submitted invoices. Its integrations and APIs help businesses connect online and offline sales with credit, payment, and receivables workflows.
Who Should Choose Resolve Pay?
Resolve Pay is designed for established B2B manufacturers, distributors, wholesalers, suppliers, and ecommerce sellers that want to offer flexible terms while improving cash flow and automating receivables. It is especially relevant when a company needs credit decisioning, invoice advancement, payment acceptance, reconciliation, and collections in one system.
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.
