Jul 16, 2026
When B2B companies want to offer flexible payment options without creating longer cash flow gaps, the right platform depends on the transaction model. Resolve Pay net terms combines buyer credit decisions, approved invoice advances, payment processing, collections workflows, and accounts receivable automation for B2B suppliers. Credit Key provides financing across ecommerce and assisted sales channels, while Payability accelerates access to marketplace earnings for online sellers. For manufacturers, distributors, wholesalers, and other suppliers managing invoice-based B2B sales, Resolve Pay provides the most complete credit-to-cash workflow of the three.
Key Takeaways
- Resolve Pay supports the complete credit-to-cash process: The platform connects credit decisioning, invoice advancement, payments, collections, and reconciliation in one B2B receivables system.
- Approved advances are non-recourse: Resolve Pay assumes the credit risk associated with approved invoices, helping sellers offer terms without carrying the same buyer default exposure.
- Cash flow can improve without removing buyer flexibility: Resolve Pay can advance eligible invoice funds quickly while approved buyers retain their assigned payment terms.
- Each platform serves a different operating model: Resolve Pay focuses on supplier-led net terms, Credit Key supports embedded B2B financing, and Payability accelerates marketplace seller payouts.
- Integrations keep finance records connected: Resolve Pay supports ecommerce, ERP, accounting, and API-based workflows so credit and payment activity can remain linked to existing systems.
- Resolve Pay is designed for established B2B sellers: Manufacturers, distributors, wholesalers, and B2B ecommerce companies can use the platform to scale terms without building larger internal credit and collections teams.
Why Businesses Compare Credit Key And Payability Alternatives
Businesses usually evaluate these platforms when payment timing begins to constrain growth. A supplier may want to offer flexible net terms to secure larger orders, but waiting through Net 30, Net 60, or longer collection periods can restrict the cash available for inventory, payroll, production, and expansion.
The Small Business Credit Survey tracks financing conditions and credit experiences among US small businesses. The Federal Reserve Payments Study also documents changes across the US payment system. Together, these resources show why access to capital and efficient payment workflows remain important business concerns.
The practical comparison depends on how revenue enters the business:
- B2B suppliers need to assess buyers, offer terms, issue invoices, collect payments, and reconcile transactions.
- Ecommerce merchants may want financing presented during checkout or through assisted sales channels.
- Marketplace sellers may need earlier access to earnings already generated through Amazon or another marketplace.
Resolve Pay is aligned with the first workflow. It helps sellers manage the full process from buyer credit evaluation through payment and reconciliation rather than addressing only the checkout or marketplace payout stage.
Understanding Each Platform’s Core Positioning
Resolve Pay
Resolve Pay is a B2B payments and net terms platform for merchants that sell to other businesses. It combines embedded credit expertise, invoice advancement, payment acceptance, collections support, and accounts receivable automation in one system.
The platform is designed for manufacturers, distributors, wholesalers, and B2B ecommerce businesses that want to extend buyer purchasing power while maintaining predictable cash flow. Instead of requiring the seller to manage underwriting, reminders, payment processing, and reconciliation through separate tools, Resolve Pay connects those workflows.
Resolve Pay can also support online, offline, field-sales, and hybrid transaction models. This makes it relevant to businesses that accept orders through ecommerce storefronts, sales representatives, purchase orders, invoices, or a combination of channels.
Credit Key
Credit Key provides B2B financing that merchants can offer through ecommerce, in-store, phone, and field-sales channels. Its hosted checkout flow lets approved buyers select financing terms while completing a purchase.
Credit Key states that merchants can offer Net 30 or longer repayment options and receive payment within 48 hours. Its focus is primarily the buyer financing and transaction-completion experience rather than serving as a complete accounts receivable operating system.
Payability
Payability provides accelerated access to marketplace earnings and funding products for ecommerce sellers. Its daily payout service is designed to help eligible sellers access marketplace revenue sooner instead of waiting through the marketplace’s standard payout schedule.
The company primarily serves Amazon and other marketplace sellers whose cash flow depends on platform disbursements. Eligibility is generally connected to marketplace account history, sales performance, and account health.
The distinction is operational: Resolve Pay manages supplier-led net terms and receivables, Credit Key embeds financing into B2B purchases, and Payability accelerates marketplace seller earnings.
1. Resolve Pay For Integrated B2B Net Terms And AR Automation
Core Purpose
Resolve Pay is built for suppliers that want to extend payment terms while reducing the cash flow and operational burden associated with business credit sales. It helps sellers evaluate customers, assign credit, advance eligible invoices, accept payments, manage follow-up, and reconcile financial records.
Resolve Pay’s B2B payments platform supports multiple invoice structures, including net terms, cash on delivery, and invoices due upon receipt. Finance teams can therefore use the platform across a broader receivables portfolio instead of restricting it to financed transactions.
Key Features
- AI-supported credit decisioning: Resolve Pay combines data analysis, behavioral signals, and credit expertise to evaluate business buyers and recommend credit decisions.
- Non-recourse approved advances: When Resolve Pay approves and advances an eligible invoice, the seller keeps the advance even if the approved buyer later defaults, subject to the applicable agreement and transaction conditions.
- Faster access to invoice funds: Resolve Pay can advance up to 90% of eligible invoice value within approximately 24 hours, while some approved structures may support higher advance amounts.
- Automated receivables workflows: The platform supports invoicing, payment reminders, collections activity, reconciliation, and transaction management.
- Branded buyer portal: Buyers can manage invoices and submit payments through a seller-branded experience.
- Multiple payment methods: The portal can support ACH, wire transfer, credit card, and check payments.
- Credit and AR visibility: Sellers can review buyer credit information, receivables activity, payment status, and transaction records from a centralized dashboard.
- Embedded checkout options: Eligible buyers can apply for terms or select approved terms within supported ecommerce workflows.
Resolve Pay’s business credit checks can also help sellers assess customers before extending terms. Credit line decisions remain subject to Resolve Pay’s verification and underwriting requirements.
Integrations
Resolve Pay connects with common ecommerce, ERP, and accounting systems through built-in integrations and flexible APIs. Supported systems include:
- QuickBooks Online
- Xero
- Oracle NetSuite
- Sage Intacct
- Shopify and Shopify Plus
- BigCommerce
- Magento 2
- WooCommerce
- Custom ecommerce, ERP, and order management systems through API connections
The integration platform helps reduce duplicate data entry by syncing relevant customer, invoice, transaction, and payment information across connected systems.
Resolve Pay’s ERP integration guidance explains how ecommerce and finance records can be connected within a combined workflow. Configuration requirements vary by platform. For example, some WooCommerce refund and cancellation actions may require updates in both WooCommerce and Resolve Pay to keep records reconciled.
Best Fit
Resolve Pay is best aligned with established B2B businesses that:
- Sell to other companies through invoices or B2B checkout
- Want to offer Net 30, Net 60, Net 90, or approved custom terms
- Need earlier access to cash from eligible invoices
- Want structured protection from approved buyer default risk
- Manage credit, invoicing, payments, and collections across separate processes
- Use an ERP, accounting system, ecommerce platform, or hybrid sales stack
- Want to scale sales without expanding manual AR work at the same rate
The platform generally serves businesses with at least $1 million in annual B2B revenue, subject to qualification and underwriting.
2. Credit Key
Core Purpose
Credit Key helps merchants offer net terms and financing within ecommerce and assisted-sales experiences. Approved business customers can select Credit Key as a payment option, complete an application, receive a decision, and choose available repayment terms.
The service can be used across:
- Ecommerce checkout
- In-store transactions
- Phone orders
- Field sales
- Orders initiated through a merchant portal
This makes Credit Key relevant to merchants whose primary goal is adding a financing option at the point of sale.
Key Features
Credit Key’s published capabilities include:
- Hosted B2B financing checkout
- Credit decisions during the application process
- Net 30 and longer repayment options for eligible buyers
- Support for ecommerce and assisted sales
- Merchant payment within 48 hours for eligible financed orders
- Merchant portals for initiating buyer applications and orders
Credit Key manages the financing component of approved transactions. The merchant can receive payment while the buyer follows the repayment schedule established through Credit Key.
Target Customers
Credit Key targets B2B merchants that want financing available during the purchase process. This may include equipment suppliers, ecommerce merchants, and businesses with sales representatives who initiate customer financing applications.
Its workflow centers on financing the transaction. Businesses that also need broader invoicing, collections, reconciliation, and AR management should evaluate how those processes will connect with their existing finance systems.
3. Payability
Core Purpose
Payability helps marketplace sellers access earnings before the marketplace’s normal payout date. Rather than financing a business buyer’s purchase, Payability connects to an eligible seller account and evaluates marketplace performance.
Its accelerated payout products are designed to help sellers use their earned marketplace revenue for inventory, advertising, supplier payments, and other operating needs.
Key Features
Payability’s current offering includes:
- Accelerated access to marketplace payouts
- Daily payout options for eligible sellers
- Funding based on marketplace sales performance
- Qualification without a traditional personal credit check for certain products
- Marketplace-connected account analysis
- A commercial seller card linked to eligible Payability funds
- International payment capabilities for supported transactions
Some products provide ongoing access to marketplace earnings, while other funding options may provide a larger amount based on sales history and account performance. Product availability and qualification depend on the seller’s marketplace activity and Payability’s approval requirements.
Target Customers
Payability is aligned with ecommerce sellers whose revenue is generated through Amazon or other supported marketplaces. These businesses may have healthy sales but face a timing gap between shipping orders and receiving marketplace disbursements.
Its service addresses marketplace payout timing rather than buyer-facing net terms, supplier credit decisions, or a complete B2B accounts receivable workflow.
Why Resolve Pay Delivers Strong Value For B2B Suppliers
Resolve Pay’s strongest advantage is the breadth of the workflow it supports. B2B suppliers do not only need a way to fund one transaction. They must determine which buyers qualify for credit, establish terms, create invoices, accept payments, follow up on overdue balances, manage collections, and reconcile the final transaction in their accounting records.
Resolve Pay connects those responsibilities through a unified platform.
Integrated Credit Management
Resolve Pay evaluates business buyers using AI-supported models, financial information, behavioral signals, and credit expertise. Sellers can use the resulting decisions to offer approved terms with more consistency than an informal or spreadsheet-based process.
For approved transactions, Resolve Pay can also assume the covered credit risk through its non-recourse structure.
Faster Cash Conversion
A supplier can offer a buyer additional time to pay while receiving an advance on an eligible approved invoice. This separates the buyer’s payment schedule from the seller’s immediate working capital needs.
Earlier access to cash can help businesses fund inventory, labor, manufacturing, logistics, and other operating expenses without waiting through the full invoice term.
Unified Receivables Workflows
Resolve Pay supports the tasks that occur before and after invoice funding:
- Buyer credit applications and decisions
- Credit line management
- Invoice creation and delivery
- Payment reminders
- Buyer payment processing
- Collections workflows
- Transaction reconciliation
- Accounting and ERP synchronization
This unified structure reduces the need to move customer and invoice information manually between unrelated systems.
Flexible Buyer Experiences
Resolve Pay can support terms through ecommerce checkout, traditional invoicing, field sales, and other B2B purchasing workflows. Sellers can maintain their branding while buyers apply for terms, review invoices, and submit payments.
The result is a payment experience that can fit both digital commerce and relationship-driven sales models.
Support For Existing Technology Stacks
Resolve Pay is designed to extend existing finance and commerce systems rather than replace them. For example, a business can continue using NetSuite as its ERP while using Resolve Pay for credit decisioning, invoice advancement, payment workflows, and receivables automation.
Connected records can then be synchronized back to the ERP or accounting system to support bookkeeping and reconciliation.
Resolve Pay Transforms Supplier Cash Flow Management
Resolve Pay is the most complete fit in this comparison for B2B suppliers that want to offer payment terms while improving cash conversion and receivables operations. Credit Key addresses embedded buyer financing across commerce and assisted-sales channels, while Payability focuses on accelerating marketplace seller earnings. Resolve Pay brings together the wider credit-to-cash process required by manufacturers, distributors, wholesalers, and B2B ecommerce businesses.
Through net terms for ecommerce, traditional invoice workflows, business credit decisioning, non-recourse advances, payment acceptance, collections support, and accounting integrations, Resolve Pay helps suppliers turn terms into a sales and customer-retention tool without creating the same internal cash flow pressure.
For established B2B sellers, the platform offers a practical way to increase buyer purchasing power, protect cash flow on approved invoices, and manage receivables through one connected system.
Frequently Asked Questions
How Does Resolve Pay’s Non-Recourse Financing Work?
Resolve Pay evaluates a business buyer and determines whether an invoice qualifies for an advance. When an approved transaction is funded under the non-recourse program, the seller keeps the advance if the approved buyer later defaults, subject to the agreement and transaction requirements. Resolve Pay manages the associated credit assessment, payment servicing, and collections workflow.
How Quickly Can Resolve Pay Advance An Approved Invoice?
Resolve Pay states that eligible approved invoices may receive an advance within approximately 24 hours or one business day. Actual timing can depend on approval, verification, invoice details, banking schedules, and the merchant’s program structure. The buyer can continue paying according to the approved net terms.
Which Systems Integrate With Resolve Pay?
Resolve Pay supports QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, WooCommerce, and API-based implementations. Available features and synchronization behavior vary by system, so businesses should map customer, invoice, payment, refund, and reconciliation workflows during implementation.
What Types Of Businesses Are Best Suited To Resolve Pay?
Resolve Pay is designed for established B2B manufacturers, distributors, wholesalers, suppliers, and ecommerce merchants that sell to business customers. It is especially useful for companies that offer invoice terms, want faster access to cash, need structured buyer credit decisions, or want to automate receivables without adding proportional finance headcount.
Can Resolve Pay Support Both Ecommerce And Offline B2B Sales?
Yes. Resolve Pay can support ecommerce checkout, invoiced transactions, purchase-order workflows, field sales, and hybrid commerce models. Sellers can use it to manage buyer credit, approved terms, invoices, payments, collections, and reconciliation across multiple sales channels while maintaining a consistent branded experience.
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.
