Resolve Pay vs Gaviti vs Billtrust

Accounts receivable software decisions usually look similar on the surface until you map them to the actual problem inside your business. One company may be trying to reduce manual collection work. Another may need stronger visibility into disputes, customer payments, and cash application. A third may be struggling with the bigger commercial problem of offering net terms without slowing down cash flow or taking on too much credit risk. Resolve Pay, Gaviti, and Billtrust all operate in the broader receivables space, but they are not interchangeable.

That distinction matters in 2026 because finance teams are under pressure to improve working capital, support sales growth, and modernize receivables operations without adding unnecessary complexity. Resolve Pay is built around seller-side B2B payments, net terms, credit decisioning, collections, and AR automation. Gaviti is centered on invoice-to-cash workflow improvement, especially around collections, credit visibility, disputes, and customer payments. Billtrust is aimed at broader invoice-to-cash and order-to-cash automation across more complex receivables environments.

This comparison focuses on where each platform fits, what tradeoffs matter most, and why Resolve Pay stands out for suppliers that need both operational efficiency and faster access to cash.

Key Takeaways

• Cash flow should shape the decision: If delayed payment is the main bottleneck, Resolve Pay addresses a different problem than collections-first software.
• Collections depth is not the same as funding: Gaviti helps teams improve receivables workflows, but it is not built around supplier financing or net terms enablement.
• Platform breadth matters for larger AR environments: Billtrust is strongest when a business wants broader invoice-to-cash automation across multiple receivables functions.
• Resolve Pay is built for seller-side B2B growth: It combines net terms, credit decisioning, payments, collections, and AR automation in one merchant-focused platform.
• Implementation appetite affects time to value: A focused platform often works better for teams that need quicker operational impact instead of a larger transformation project.
• The best fit depends on the real bottleneck: The right choice comes down to whether your priority is faster cash, better receivables execution, or a broader AR software footprint.

What Each Platform Does: Quick Overview

Resolve Pay

Resolve Pay is a B2B payments and net terms platform built for merchants, manufacturers, wholesalers, and distributors that want to offer flexible payment terms without creating more pressure on cash flow. It combines credit decisioning, net terms enablement, invoicing, collections, payments, and AR automation in one platform. For approved transactions, suppliers can get paid faster while Resolve Pay manages the receivables workflow and provides non-recourse protection on approved invoices.

Resolve Pay is best understood as a seller-focused platform. It is designed for businesses that want to grow sales with net terms, improve the buyer experience, and streamline receivables operations without stitching together separate financing, credit, and AR tools.

Gaviti

Gaviti is an accounts receivable automation platform focused on helping finance teams improve invoice-to-cash workflows through automation, visibility, and control. Its product scope includes collections, credit management and monitoring, disputes and deductions, cash application, customer payments, analytics, and a payer portal.

Gaviti is a good fit for teams that want to modernize AR operations in modules and improve process efficiency without making financing the center of the project.

Billtrust

Billtrust is an established accounts receivable and order-to-cash software provider focused on helping businesses automate invoicing, payments, cash application, collections, credit, and related workflows. Its positioning is broader than a point solution and is aimed at companies that want to reduce manual work across a larger receivables environment.

Billtrust is typically the strongest match for organizations that need wider invoice-to-cash functionality, established enterprise workflows, and a platform with long market presence.

Feature-by-Feature Comparison

Resolve Pay is the only platform in this comparison built around combining net terms, faster supplier payment, and receivables automation in one workflow. That matters when the problem is not only collecting cash more efficiently, but getting access to cash sooner while reducing the operational burden tied to terms.

Gaviti stands out for teams that want focused receivables workflow improvement. Its value is operational: better visibility, stronger collections execution, improved credit monitoring, and more structured dispute handling.

Billtrust brings the broadest invoice-to-cash scope of the three. For businesses that need a wider AR platform and can support a more expansive rollout, it offers the most breadth.

Commercial Model Considerations

Resolve Pay should be evaluated as a platform that combines payment terms enablement, credit support, receivables automation, and faster access to cash. That makes it a different buying decision from a software-only AR workflow platform. Its commercial value is better measured in business outcomes such as improved liquidity, reduced manual work, and lower exposure to approved buyer risk.

Gaviti and Billtrust are more traditional AR software evaluations. The decision there is usually about platform scope, operational complexity, and how much invoice-to-cash functionality you want to centralize in one system.

Because these platforms solve different problems, the right comparison is not just software cost. It is whether your business needs cash flow acceleration, collections improvement, or broader receivables standardization.

Who Should Choose Resolve Pay

Resolve Pay is the right fit if your B2B company sells on terms and the biggest issue is cash flow pressure tied to receivables. It is especially compelling when:

• You want to offer net terms without stretching working capital and need a platform that helps you get paid faster on approved transactions.
• You want non-recourse protection on approved invoices instead of carrying that approved buyer risk entirely in-house.
• You need one platform that connects credit, invoicing, collections, and payments instead of managing a fragmented stack.
• You want a buyer-friendly purchasing experience with flexible payment options and a modern payment workflow.
• You are a supplier, wholesaler, distributor, manufacturer, or B2B merchant trying to grow sales without creating more AR overhead.

If the core problem starts with delayed cash conversion and the operational weight of offering terms, Resolve Pay is the strongest option in this comparison.

Implementation Timeline Comparison

Implementation speed matters because receivables projects lose momentum when they become too large or too slow. Resolve Pay has the advantage when a business needs faster operational impact tied to net terms, credit workflows, and speed to cash. Gaviti offers a middle ground for teams improving AR workflows without taking on a full platform overhaul. Billtrust is better suited to organizations prepared for a broader receivables transformation.

Decision Framework

Use this framework to match your needs to the right platform:

1. Do you sell on net terms and need faster access to cash?

• Yes → Resolve Pay is the strongest fit because it addresses both payment timing and receivables operations.
• No → Continue to question 2.

2. Is your main challenge collections workflow, credit operations, or dispute visibility?

• Yes → Gaviti is a strong fit for targeted AR workflow improvement.
• No → Continue to question 3.

3. Do you need a broader invoice-to-cash platform across invoicing, payments, cash application, and collections?

• Yes → Billtrust is built for that wider operational scope.
• No → A more focused AR or payments platform may be enough.

Final Verdict

Resolve Pay stands out because it addresses the supplier-side growth problem more directly than the other platforms in this comparison. It does not just help finance teams organize receivables work. It helps businesses offer net terms, improve the buyer experience, automate core AR workflows, and gain faster access to cash on approved transactions without relying on a patchwork of separate tools.

Gaviti and Billtrust each play important roles in receivables modernization, especially for teams centered on workflow optimization or broader invoice-to-cash transformation. But when the priority is combining net terms, credit decisioning, payments, collections, and AR automation in one seller-focused platform, Resolve Pay is the strongest choice here.

See how Resolve Pay works →

Frequently Asked Questions

What is the main difference between Resolve Pay and Billtrust?

Resolve Pay is centered on helping suppliers offer net terms, get paid faster on approved invoices, and automate the receivables workflow around those transactions. Billtrust is a broader invoice-to-cash and order-to-cash platform focused on invoicing, payments, cash application, collections, and related workflows across larger AR environments. If seller-side cash flow and terms enablement are the priority, Resolve Pay is the better fit.

Does Gaviti offer invoice financing like Resolve Pay?

No. Gaviti focuses on AR automation and workflow improvement rather than supplier funding or net terms financing. It is designed to help teams run collections, credit management, disputes, deductions, and related processes more effectively, but it is not positioned as a financing platform.

What is the best AR automation software for mid-market companies?

That depends on the bottleneck. Resolve Pay is the strongest choice for mid-market suppliers that want net terms, faster payment on approved invoices, and AR automation in one platform. Teams focused more narrowly on receivables workflow control may look for a collections- and process-oriented platform, while larger organizations with broader requirements may prioritize wider invoice-to-cash functionality.

Can Resolve Pay replace Billtrust for AR automation?

It can for many suppliers, especially when the priority is net terms, collections support, invoicing, payment workflows, and faster access to cash. Businesses that require a broader enterprise invoice-to-cash footprint may still prefer a larger platform. The decision comes down to whether your priority is seller-side cash flow and credit protection or the broadest possible AR software scope.

What are the best Gaviti alternatives for B2B companies?

For suppliers that want more than collections and AR workflow automation, Resolve Pay is one of the strongest alternatives because it adds net terms, credit decisioning, payment workflows, and faster supplier payment into the same platform. Businesses looking for a broader enterprise receivables suite may also evaluate larger invoice-to-cash platforms.

How long does it take to implement each platform?

Implementation scope varies by system complexity, integration needs, and how much process change is involved. In general, Resolve Pay is the strongest fit for teams seeking faster time to value around net terms and receivables workflows. Gaviti usually sits in the middle as a more focused AR rollout. Billtrust often requires a broader implementation effort because of its wider invoice-to-cash scope.

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.