Resolve Pay vs Gaviti vs Credit Key: 2026 Comparison

B2B finance teams comparing Resolve Pay, Gaviti, and Credit Key are usually trying to solve a cash flow, receivables, or checkout financing problem, but these platforms are not built for the same workflow. Resolve Pay is a net terms financing and accounts receivable automation platform for B2B suppliers that want to offer buyers flexible payment terms while getting paid faster on approved invoices. Gaviti focuses on accounts receivable collections automation, including dunning workflows, dispute management, cash application, and DSO visibility. Credit Key provides checkout-embedded B2B financing, giving business buyers a way to apply for credit and pay over time during the purchase flow.

The distinction matters because late payments and manual AR processes can create real operating pressure. PYMNTS reported that 86% of businesses have overdue monthly invoiced sales, while the Federal Reserve notes that many small businesses face challenges around getting paid fast enough. For suppliers selling to other businesses, the right platform is not simply the one with the most features. It is the one that matches how revenue is created, invoiced, financed, collected, and reconciled. This comparison explains how Resolve Pay, Gaviti, and Credit Key differ, where each platform fits, and why Resolve Pay is the stronger fit for suppliers that need net terms, faster cash flow, and connected AR workflows.

Key Takeaways

• Resolve Pay supports seller-side net terms: Resolve Pay helps B2B suppliers offer net terms to approved buyers while supporting credit decisions, invoice advancement, payment workflows, and receivables automation.
• Gaviti focuses on AR collections: Gaviti is designed for finance teams that already issue invoices and want to automate collections, disputes, cash application, and reporting.
• Credit Key supports checkout financing: Credit Key embeds B2B payment terms into ecommerce checkout, giving buyers financing options at the point of sale.
• Use case fit matters most: A supplier extending payment terms needs a different workflow than a finance team optimizing collections or an ecommerce merchant adding checkout financing.
• Resolve Pay connects cash flow and AR automation: Resolve Pay combines net terms, AI-powered underwriting, invoice advancement, collections workflows, and integrations in one platform.
• Integrations shape scalability: Resolve Pay connects with ecommerce, ERP, and accounting systems so sellers can keep credit, invoicing, reconciliation, and payment activity aligned.

Why finance teams are evaluating these platforms in 2026

Cash flow pressure from extended payment cycles

B2B suppliers often offer net 30, net 60, or longer payment terms because buyers expect time to pay after receiving goods or services. That can help close larger deals, but it can also create a gap between revenue recognition and cash availability.

For manufacturers, wholesalers, distributors, and other B2B sellers, that gap affects inventory purchasing, payroll planning, supplier payments, and growth. Allianz Trade’s 2025 working capital report highlights how days sales outstanding remains a major working capital consideration for companies managing customer credit and receivables.

Resolve Pay addresses this problem by helping suppliers offer flexible net terms while receiving advance payment on approved invoices. That makes it easier to support buyers without turning the seller’s balance sheet into the source of customer financing.

Scaling AR without proportional headcount

Manual accounts receivable work grows quickly as invoice volume increases. Credit checks, invoice follow-up, payment reminders, dispute handling, and reconciliation can consume finance team time that would be better spent on exceptions and strategic cash planning.

The U.S. Census Bureau tracks the continued importance of digital commerce across ecommerce sectors, including manufacturing and wholesale trade. As more B2B sales activity moves across ecommerce, marketplace, field sales, and hybrid channels, finance teams need systems that keep payment workflows connected across every transaction type.

Resolve Pay supports this by combining credit, net terms, payments, collections, and integrations into a connected B2B payments workflow.

Reassessing traditional factoring

Invoice factoring has long been used by businesses that want early access to invoice cash. However, many suppliers want a more integrated option that supports buyer credit decisions, net terms, collections, and reconciliation in the same workflow.

Resolve Pay positions itself as a modern factoring alternative for B2B suppliers that want to get paid faster while offering buyers more flexible terms. Instead of treating financing as a standalone transaction, Resolve Pay connects financing to the broader receivables lifecycle.

Growth in B2B ecommerce

As B2B purchasing becomes more digital, merchants are evaluating checkout financing, embedded net terms, and integrated payment options. Credit Key is relevant in this context because it helps ecommerce merchants offer financing at checkout.

Resolve Pay also supports digital commerce through B2B ecommerce integrations and net terms workflows that can support online, offline, and hybrid sales motions.

Platform overviews

Resolve Pay: Net terms financing and AR automation

Resolve Pay is a B2B payments and net terms platform built for sellers that want to offer payment terms while improving cash flow and reducing credit risk. It helps manufacturers, wholesalers, distributors, and other B2B merchants manage the full net terms workflow, including credit checks, invoice advancement, payment collection, and receivables automation.

Resolve Pay supports net 30, net 60, net 90, and custom terms, subject to buyer verification and approval. Its AI-powered underwriting helps evaluate buyers, while Advance Pay can provide upfront payment on approved invoices. Resolve Pay’s platform also supports automated reminders, payment workflows, reconciliation, and integrations with accounting, ERP, and ecommerce systems.

Resolve Pay is especially relevant for suppliers that want to extend buyer purchasing power without waiting the full payment term to collect cash. The platform has served 15,000+ businesses and is built around a seller-side workflow: offer buyers terms, get paid faster on approved invoices, and keep receivables activity connected.

Key features of Resolve Pay

• Advance Pay: Supports upfront payment on approved invoices, helping suppliers reduce the cash flow gap created by extended terms.
• Net terms management: Helps suppliers offer net 30, net 60, net 90, and custom terms based on buyer approval.
• AI-powered underwriting: Uses buyer data and credit workflows to support faster credit decisions.
• Non-recourse structure: Approved advances are structured so suppliers can reduce credit exposure on eligible invoices.
• Payment Chaser workflows: Automates payment reminders, follow-up, and collections activity.
• AR automation: Supports invoicing, payment tracking, cash application, and reconciliation.
• B2B payment portal: Lets buyers pay through supported payment methods such as ACH, wire, credit card, or check.
• ERP and accounting integrations: Connects with tools such as QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento 2, WooCommerce, and API-based workflows.
• Omnichannel support: Works across ecommerce, marketplace, field sales, traditional sales, and hybrid B2B transaction models.
• White-label experience: Helps sellers preserve customer relationships while Resolve Pay supports credit and receivables workflows.

Gaviti: AR collections and dunning automation

Gaviti is an accounts receivable automation platform focused on collections management. It helps finance teams automate invoice follow-up, manage disputes, apply cash, monitor aging, and improve visibility into collections performance.

Gaviti is best understood as an AR workflow platform for companies that already have invoice infrastructure in place. It can support collections execution, cash application, dispute workflows, and reporting, but its role is different from net terms financing. Finance teams using Gaviti are typically trying to improve how invoices are collected after they have already been issued.

Key features of Gaviti

• Collections management: Supports automated dunning sequences, reminders, and escalation workflows.
• Cash application: Helps match incoming payments to open invoices.
• Dispute management: Provides workflows for tracking and resolving invoice disputes.
• Credit management: Supports credit visibility and risk tracking for customer accounts.
• Dashboards and reporting: Provides visibility into DSO, aging, collector activity, and cash flow forecasting.
• Payment portal: Gives buyers a way to settle invoices through a self-service payment experience.
• ERP connectivity: Integrates with finance systems to support AR workflow automation.

Credit Key: Checkout-embedded B2B financing

Credit Key is a B2B buy now, pay later platform that embeds financing into the ecommerce checkout flow. Buyers can apply for terms at checkout and pay over time, while merchants receive payment after the sale based on Credit Key’s settlement workflow.

Credit Key is relevant for B2B ecommerce merchants that want to add a financing option directly into online purchasing. Its core use case is checkout conversion and buyer financing at the point of sale rather than full receivables lifecycle management.

Key features of Credit Key

• Checkout financing: Offers B2B payment terms inside the ecommerce purchase flow.
• Instant credit decisions: Supports buyer credit decisions during checkout.
• Installment options: Gives approved buyers flexible payment options.
• Merchant settlement: Helps merchants receive payment after checkout while buyers pay over time.
• Risk handling: Credit Key manages credit and fraud risk tied to approved financed purchases.
• Ecommerce integrations: Supports B2B merchants selling through ecommerce channels.
• Omnichannel options: Can support online and other sales-assisted B2B purchase flows.

Feature-by-feature comparison

How each platform fits into the B2B payment lifecycle

Resolve Pay supports the full seller-side net terms workflow

Resolve Pay is built for suppliers that want to offer payment flexibility without carrying the entire operational burden of credit checks, payment reminders, collections, and reconciliation.

A typical Resolve Pay workflow can include:

• A buyer applies for or is evaluated for payment terms.
• Resolve Pay supports the credit decisioning process.
• The seller offers approved net terms to the buyer.
• Resolve Pay advances payment on eligible approved invoices.
• The buyer pays later through the payment portal.
• Resolve Pay supports reminders, collections workflows, reconciliation, and reporting.

This makes Resolve Pay especially useful for businesses that want to turn net terms into a growth tool rather than a drain on working capital. Suppliers can use B2B net terms to increase buyer purchasing power while using automation to reduce manual AR work.

Gaviti supports collections execution after invoices are issued

Gaviti fits later in the AR lifecycle. It is useful for finance teams that already issue invoices through an ERP or accounting system and want to improve collections performance.

A typical Gaviti workflow may include:

• Invoices are generated in the company’s existing finance system.
• Gaviti helps segment accounts and automate collections outreach.
• Buyers receive reminders or access a payment portal.
• Finance teams monitor aging, disputes, and collector performance.
• Cash application workflows help match payments to invoices.

This makes Gaviti relevant for companies that want stronger collections operations and visibility across existing receivables.

Credit Key supports financing at checkout

Credit Key fits at the point of purchase. It is designed for B2B ecommerce merchants that want to add a financing option to the checkout flow.

A typical Credit Key workflow may include:

• A buyer selects Credit Key at checkout.
• Credit Key evaluates the buyer for financing.
• The buyer receives approved terms.
• The merchant receives settlement after the transaction.
• The buyer pays Credit Key over time.

This makes Credit Key relevant for online B2B merchants that want a checkout financing option without managing every part of the credit process in-house.

Why Resolve Pay is a strong fit for B2B suppliers

It connects payment terms to cash flow

Payment terms can help sellers win and retain customers, but they also delay cash collection. Resolve Pay helps suppliers offer terms while receiving faster payment on approved invoices. That combination is especially valuable for businesses that need to buy inventory, fulfill larger orders, or support seasonal demand.

With Advance Pay, suppliers can convert approved net terms invoices into faster cash flow while buyers still receive time to pay. That gives sellers a more scalable way to offer payment flexibility.

It reduces credit risk on approved advances

Offering net terms means evaluating whether a buyer can pay later. That is difficult for many suppliers to manage internally, especially as buyer volume grows.

Resolve Pay supports underwriting, credit recommendations, and non-recourse advance structures for approved invoices. This helps suppliers extend payment terms with more confidence while keeping credit workflows connected to receivables operations.

It automates AR work beyond the invoice

A supplier that only solves checkout financing may still need to handle invoicing, reminders, payment tracking, disputes, and reconciliation separately. Resolve Pay is designed to support those workflows in one platform.

The accounts receivable platform helps automate invoice-to-payment workflows, including reminders, payment collection, reconciliation, and cash application. This matters for finance teams trying to scale without adding manual work at the same pace as revenue growth.

It supports online, offline, and hybrid sales

Many B2B suppliers do not sell through a single channel. A distributor may take orders online, through sales reps, by phone, by email, or through recurring account relationships. Resolve Pay is built for those hybrid B2B transaction models.

Through payment integrations, sellers can connect ecommerce, ERP, and accounting systems so customer, invoice, and payment activity stay aligned across channels.

It preserves the seller’s customer relationship

Resolve Pay’s white-label and embedded workflows help suppliers offer credit and payment flexibility while keeping the buyer experience connected to the seller’s brand. That matters in B2B industries where repeat purchasing, account relationships, and trust are central to revenue growth.

Who should use Resolve Pay

Manufacturers, wholesalers, and distributors

Resolve Pay is a fit for suppliers that regularly sell on payment terms and need a more scalable way to manage buyer credit, invoice funding, payment reminders, and reconciliation. These businesses often need to support larger orders without waiting the full payment term to collect cash.

Suppliers expanding net terms programs

Companies that want to offer net terms to more buyers can use Resolve Pay to support credit decisioning and receivables workflows. That helps teams expand payment flexibility without relying entirely on manual approvals or spreadsheet-based tracking.

Businesses replacing disconnected AR workflows

Some suppliers use one tool for invoicing, another for payment collection, another for reminders, and a manual process for reconciliation. Resolve Pay brings these workflows together so finance teams can manage credit, terms, payments, and collections from a connected system.

B2B sellers evaluating factoring alternatives

Suppliers that want early payment but do not want a traditional factoring workflow can consider Resolve Pay’s factoring alternative. Resolve Pay connects invoice advancement to net terms management, customer payment workflows, and AR automation.

Ecommerce and omnichannel B2B sellers

Resolve Pay also fits merchants that want net terms at checkout or across multiple sales channels. With support for net terms ecommerce and ERP connectivity, sellers can offer payment flexibility without isolating checkout financing from the rest of the finance workflow.

Final verdict

Resolve Pay is the strongest fit for B2B suppliers that want to offer net terms, get paid faster on approved invoices, reduce credit risk, and automate receivables workflows from one connected platform. It supports the seller’s full payment terms lifecycle, from buyer credit evaluation to invoice advancement, collections workflows, reconciliation, and integrations.

For manufacturers, wholesalers, distributors, and B2B merchants that want net terms to support growth rather than strain cash flow, Resolve Pay offers the most complete path forward.

Get started with Resolve Pay

Frequently Asked Questions

What is the difference between Resolve Pay and Gaviti?

Resolve Pay is a net terms financing and AR automation platform for B2B suppliers. It helps sellers offer payment terms, get paid faster on approved invoices, reduce credit risk, and automate receivables workflows. Gaviti is an AR collections automation platform focused on invoice follow-up, dunning, dispute management, cash application, and reporting.

What is the difference between Resolve Pay and Credit Key?

Resolve Pay supports the broader seller-side net terms and AR workflow, including credit decisioning, invoice advancement, payment collection, reconciliation, and integrations. Credit Key is primarily a checkout-embedded B2B financing option that lets approved buyers pay over time during ecommerce purchases.

What does non-recourse mean in B2B net terms financing?

Non-recourse means the financing provider takes on the repayment risk for approved financed invoices, subject to the provider’s terms and eligibility rules. With Resolve Pay, approved advances are structured to help suppliers reduce credit exposure while offering payment terms to buyers.

How fast can suppliers get paid with Resolve Pay?

Resolve Pay can provide upfront payment on approved invoices, with timing depending on the product workflow, buyer approval, and invoice eligibility. Resolve Pay’s net terms and B2B payments pages describe advance payment workflows designed to help sellers get paid faster instead of waiting through the full buyer payment term.

Can Resolve Pay support both online and offline B2B sales?

Yes. Resolve Pay supports ecommerce, marketplace, traditional sales, field sales, and hybrid B2B transaction models. Sellers can use Resolve Pay to offer net terms and manage receivables across online and offline channels while keeping payment, credit, and reconciliation workflows connected.

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.