Resolve Pay vs Gaviti vs Billie

Selecting the right B2B payments and accounts receivable solution can determine whether your business maintains healthy cash flow or struggles with extended payment cycles. While Gaviti focuses on accounts receivable, credit management, collections, cash application, and related invoice-to-cash workflows, and Billie focuses on B2B payment terms and checkout experiences in supported European markets, Resolve Pay delivers an integrated platform combining non-recourse net terms financing with comprehensive AR automation for North American B2B sellers. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the solution that matches their cash flow needs, geographic market, and operational requirements.

According to Federal Reserve trade credit research, trade credit is an important source of short-term business financing. The research found that U.S. nonfinancial firms held approximately $4.5 trillion in outstanding trade credit in 2019. Managing extended payment terms while maintaining healthy working capital remains a critical challenge for mid-market B2B sellers.

Key Takeaways

• Resolve Pay combines non-recourse net terms financing with AR automation in a single platform, while Gaviti focuses on accounts receivable, credit management, collections, cash application, and related invoice-to-cash workflows, and Billie focuses on B2B payment terms and checkout experiences in supported European markets
• Resolve Pay serves 15,000+ businesses across the US and Canada with native integrations for Shopify, BigCommerce, WooCommerce, and Magento, whereas Billie focuses on supported European buyer markets and Gaviti provides AR automation without ecommerce checkout capabilities
• Resolve Pay holds a 5.0/5.0 G2 rating, while Gaviti holds a 4.4/5.0 G2 rating based on 190 reviews
• Resolve Pay can provide eligible approved invoices with advance funding, often within approximately 24 hours, while offering non-recourse protection on covered transactions, helping sellers improve cash-flow timing while buyers retain approved payment terms
• Billie offers payment terms for European buyers, while Resolve Pay provides Net 30, 60, and 90 options for the North American market
• Gaviti supports payment workflows including ACH alongside its broader accounts receivable automation platform, while sellers using AR-only solutions still wait for buyer payment cycles without financing

Understanding AR Automation and B2B Payments

The B2B payments technology market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their cash flow requirements and growth stage.

AR automation software streamlines the invoice-to-cash cycle by handling invoice generation, payment reminders, reconciliation, and collections management without manual intervention. These systems reduce days sales outstanding and improve cash flow predictability. B2B transactions involve longer payment cycles, higher transaction values, and more complex buyer relationships than consumer sales, making efficient receivables management critical for working capital.

The impact varies significantly by platform approach:

• Resolve Pay: Accelerates seller cash flow through advance funding on eligible approved invoices, often within approximately 24 hours, while automating receivables workflows
• Gaviti: Uses AR automation to help teams manage collections and improve receivables performance
• Billie: Pays merchants upon shipment for transactions in supported European buyer markets

Resolve Pay approaches AR automation differently than traditional software. Rather than simply automating collections workflows, Resolve Pay combines financing with automation, advancing payment to sellers while handling the entire receivables lifecycle. This changes the cash-flow timing by allowing eligible approved invoices to receive advance funding instead of requiring the seller to wait through the buyer's full payment term.

Resolve Pay

Integrated Net Terms Financing and AR Automation

Resolve Pay combines non-recourse net terms financing with comprehensive AR automation in an integrated platform for North American B2B sellers. Rather than forcing businesses to choose between cash flow solutions and AR software, Resolve Pay delivers both in a single integrated platform.

The platform serves manufacturers, distributors, and wholesalers with annual revenue typically exceeding $1M. Core capabilities include:

• Net Terms Financing: Sellers can offer approved payment terms while receiving advance funding on eligible invoices
• Non-Recourse Protection: Eligible covered transactions include non-recourse protection that can reduce seller exposure to approved buyer defaults
• AI Credit Engine: Proprietary technology delivers credit decisions within 24 hours using thousands of buyer data points
• Agentic Collections: AI-powered multi-channel sequences handle collections autonomously while preserving customer relationships
• Native Ecommerce Integration: Direct checkout integration with Shopify, BigCommerce, WooCommerce, and Magento enables buyers to apply for and receive credit approval during purchase flow

The business credit check functionality performs quiet assessments that do not alert buyers, enabling sellers to evaluate creditworthiness without impacting customer relationships

Customer Results and Use Cases

Resolve Pay customers demonstrate measurable business outcomes across diverse industries:

• Archipelago Lighting: Tripled revenue while reducing net terms approval time significantly
• ConEquip: Reported meaningful year-over-year growth while using Resolve Pay's net terms capabilities
• SS&SI Dealer Network: Achieved substantial revenue growth using Resolve Pay's net terms capabilities
• Elston Materials: Reported improved margins while using Resolve Pay to support its net terms and cash-flow strategy
• Trenchless Supply: Significantly reduced AR workload while using Resolve Pay's credit and receivables workflows

The platform serves mid-market B2B sellers across HVAC, electrical supplies, industrial equipment, medical distribution, and other industries that need both immediate cash flow improvement and automated receivables management for the US and Canadian markets.

Gaviti

AR Workflow Automation and Credit Management

Gaviti focuses on accounts receivable and invoice-to-cash automation, including collections, credit management, cash application, disputes, and payment workflows. Its platform includes AI-supported capabilities for credit review and collections, but it is not positioned as a merchant invoice-advance platform like Resolve Pay.

Core capabilities include:

• Collections Automation: Dynamic workflows with customizable sequences based on invoice age, balance, and customer status
• Cash Application: Automated matching of payments to invoices with ML-powered reconciliation
• Credit Management: AI-powered credit review, automated customer credit reviews, credit monitoring, and credit-limit workflows
• Dispute Resolution: Workflow management for handling invoice disputes
• Payment Portal: Supports ACH and other payment methods alongside Gaviti's broader accounts receivable workflows

Gaviti provides credit-management capabilities including credit applications, AI-powered credit review, automated customer credit reviews, credit monitoring, and credit-limit workflows. These capabilities support internal trade-credit management rather than Resolve Pay's model of combining buyer underwriting with eligible invoice advances.

Gaviti supports multi-ERP connectivity including NetSuite, QuickBooks, Xero, Sage Intacct, and custom ERP systems. The platform can connect to multiple systems simultaneously, accommodating complex organizational structures from acquisitions or divisional setups.

Gaviti holds a 4.4/5.0 rating on G2 based on 190 reviews, reflecting user feedback on its accounts receivable and collections workflows. The platform serves businesses that already have strong cash flow and primarily need process efficiency for AR management across global markets.

How Resolve Pay Differs From Gaviti

Gaviti centers on invoice-to-cash and accounts receivable workflows. Resolve Pay connects AR automation with buyer credit decisioning, net terms financing, payments, reconciliation, and agentic collections, giving North American B2B sellers a more unified credit-to-cash workflow.

While Gaviti helps teams manage receivables more efficiently, sellers using AR-only solutions still wait for buyer payment cycles. Resolve Pay's non-recourse structure can reduce seller exposure to buyer non-payment on eligible covered transactions, allowing sellers to receive advance funding without waiting for the buyer's full payment cycle.

Billie

European B2B Payment Terms and Checkout

Billie operates as a B2B payments provider focused on supported European buyer markets and states that its payment solutions are used by more than one million business buyers. The platform enables merchants to offer deferred payment at checkout while receiving payment upon shipment.

Core capabilities include:

• Checkout Financing: Real-time credit approval during purchase flow
• Extended Terms: Payment flexibility for approved buyers
• Platform Integration: Available through Stripe and Adyen for merchant activation
• Fraud Protection: Merchants protected from default and fraud on approved transactions
• Conversion Optimization: Billie positions its payment solution around reducing checkout friction and supporting B2B conversion

Billie focuses on supported European buyer markets, while its partner integrations can be used by merchants based in other regions that sell into those supported markets. Billie's Stripe partnership makes it accessible to merchants via Stripe in supported European markets.

Billie handles payment reminders and collections for transactions processed through its B2B payment solution. Resolve Pay takes a broader seller-side approach by combining net terms financing with invoicing, reconciliation, payments, AR automation, and agentic collections.

How Resolve Pay Differs From Billie

Billie focuses on B2B payment terms and checkout experiences in supported European buyer markets. Resolve Pay is designed around the needs of North American manufacturers, distributors, wholesalers, and other B2B sellers that want net terms financing and AR automation in the same platform.

While Billie provides checkout financing for European transactions, Resolve Pay serves the US and Canadian markets with native infrastructure, compliance, and support. Resolve Pay's ecommerce integrations allow B2B sellers to embed net terms into supported online purchasing workflows while connecting buyer credit decisions with the broader credit-to-cash process.

Credit Decisioning and Financing Models

The three platforms take fundamentally different approaches to credit decisioning and financing, reflecting their distinct value propositions.

Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions within 24 hours. The system performs quiet credit checks that do not notify buyers or impact credit scores. This approach helps Resolve Pay evaluate business buyers using a broader set of financial and behavioral signals while supporting fast credit decisions.

Resolve Pay can advance funds on eligible approved invoices, often within approximately 24 hours, while buyers retain their approved payment terms. Non-recourse protection applies to covered transactions. For eligible covered transactions, the non-recourse structure allows sellers to retain the applicable advance if a covered buyer default occurs, subject to Resolve Pay's terms and exclusions.

Gaviti's Credit Management provides credit-management capabilities including credit applications, AI-powered credit review, automated customer credit reviews, credit monitoring, and credit-limit workflows. These capabilities support internal trade-credit management rather than Resolve Pay's model of combining buyer underwriting with eligible invoice advances.

Billie's Risk Assessment uses automated risk assessment to support real-time buyer authorization at checkout for transactions in supported European markets. Billie pays merchants upon shipment confirmation for approved transactions, transferring credit risk to Billie within its coverage terms.

Collections Automation Approaches

Collections automation presents a balance between aggressive follow-up and maintaining valuable buyer relationships. Each platform approaches this challenge differently:

Resolve Pay's Agentic Collections: Combines AI-powered automation with human expertise. Multi-channel sequences adapt based on buyer response patterns and payment history. The system pauses automatically when payments or disputes are received, logging all interactions to invoice records. This approach maintains professional relationships while achieving collection results.

Gaviti's Workflow Automation: Uses AI and automation across credit management, collections, cash application, and related accounts receivable workflows. Teams can customize sequences for different buyer segments and balance levels. Gaviti positions its automation platform around helping businesses improve collections efficiency and receivables performance.

Billie's Payment Follow-Up: Billie handles payment reminders, dunning, and collections for transactions processed through its payment solution. Resolve Pay integrates collections with a broader credit-to-cash workflow that also includes credit decisioning, financing, invoicing, reconciliation, and payment processing.

ERP and Ecommerce Integration

Integration capabilities determine how smoothly B2B payment platforms fit into existing technology stacks. The depth of ERP and accounting system connectivity affects implementation time, data accuracy, and ongoing operational efficiency.

Resolve Pay Integrations:

• ERP and accounting systems: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite with two-way automatic sync
• Native ecommerce platforms: Shopify, BigCommerce, WooCommerce, Magento 2 checkout integration
• REST API with webhooks and sandbox for custom integrations
• Most teams launch in under one week

Gaviti Integrations:

• Multi-ERP support: NetSuite, QuickBooks, Xero, Sage Intacct, plus custom ERP connectivity
• Can connect to multiple systems simultaneously
• API available for custom implementations

Billie Integrations:

• Payment platforms: Stripe, Adyen embedded checkout
• Via Stripe or Adyen payment element
• Implementation timing varies depending on existing payment setup

Resolve Pay's ecommerce integrations allow B2B sellers to embed net terms into supported online purchasing workflows while connecting buyer credit decisions with the broader credit-to-cash process. The 2025 BigCommerce Innovative Integration Award recognition reflects the platform's ecommerce capabilities for B2B sellers with online channels.

Target Markets and Geographic Coverage

Geographic coverage and target market alignment represent important factors in platform selection. These three solutions serve different segments with distinct approaches.

Resolve Pay serves mid-market B2B sellers with annual revenue typically exceeding $1M, including manufacturers, distributors, and wholesalers in North America. Industries include HVAC, electrical supplies, industrial equipment, medical distribution, and other B2B sectors. The platform is purpose-built for North American B2B sellers that want to connect net terms financing, credit management, payments, and AR automation within one workflow.

Gaviti serves businesses across global markets needing AR workflow optimization. The platform addresses organizations with complex multi-ERP environments and teams wanting comprehensive accounts receivable automation across different regions and business units.

Billie focuses on supported European buyer markets and distributes its solution through integrations with payment and checkout partners. Merchants selling into supported European markets can access Billie's payment solution through partner platforms.

Why Resolve Pay Fits North American B2B Sellers

For manufacturers, distributors, wholesalers, and other B2B sellers that want to offer payment terms without separating financing, credit management, payments, and receivables workflows across multiple systems, Resolve Pay brings these functions together in one platform.

Resolve Pay combines AI-powered buyer credit decisioning, eligible invoice advances, non-recourse protection on covered transactions, invoicing, payment reconciliation, buyer payment options, and agentic collections. Its integrations with ecommerce, ERP, and accounting systems help connect these functions to the systems finance and sales teams already use.

This integrated model is especially relevant for North American B2B sellers that want to improve cash-flow timing while giving approved buyers flexible payment terms. Rather than treating financing and AR automation as separate workflows, Resolve Pay connects them across the credit-to-cash lifecycle through:

• Unified platform eliminating separate factoring arrangements and AR software vendors
• Native ecommerce integration for online B2B sales channels
• Comprehensive automation reducing manual AR work while accelerating cash flow
• Non-recourse protection on eligible covered transactions, subject to approval, applicable terms, and exclusions

For businesses evaluating how to modernize B2B net terms and receivables, Resolve Pay offers a supplier-focused approach designed to improve buyer purchasing flexibility, accelerate seller cash flow, reduce applicable credit risk, and streamline ongoing AR administration.

Frequently Asked Questions

What is the primary difference between Resolve Pay and traditional invoice factoring?

Resolve Pay provides non-recourse financing on eligible covered transactions, helping sellers reduce applicable buyer-default exposure while offering approved payment terms. Traditional factoring typically involves recourse arrangements where sellers must repay advances if buyers do not pay. Resolve Pay also combines financing with comprehensive AR automation, eliminating the need for separate factoring and AR software vendors.

Can Resolve Pay integrate with my existing accounting or ERP software?

Yes, Resolve Pay offers native two-way sync with major accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also provides REST API with webhooks for custom integrations. Most teams complete implementation in under one week.

How does Resolve Pay's AI Credit Engine benefit B2B sellers?

The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions within 24 hours. The system performs quiet credit checks that do not notify buyers, enabling sellers to assess creditworthiness without impacting customer relationships. This approach helps Resolve Pay evaluate business buyers using a broader set of financial and behavioral signals while supporting fast credit decisions.

What geographic markets does each platform serve?

Resolve Pay serves B2B sellers in the United States and Canada. Billie focuses on supported European buyer markets and can be accessed by merchants through payment partner integrations. Gaviti provides AR automation globally without geographic restrictions but does not offer financing capabilities.

Does Resolve Pay take on credit risk for financed invoices?

Yes. Resolve Pay provides non-recourse protection on eligible covered transactions, subject to approval, applicable terms, and exclusions. For covered transactions where an approved buyer defaults, the non-recourse structure allows sellers to retain the applicable advance, subject to Resolve Pay's terms and exclusions.

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.