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.
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.
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.
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.
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.
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.
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.
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.
|
Feature |
Resolve Pay |
Gaviti |
Credit Key |
|---|---|---|---|
|
Primary use case |
Net terms financing and AR automation for B2B sellers |
AR collections and invoice-to-cash automation |
Checkout-embedded B2B financing |
|
Supplier advance payment |
Yes, on approved invoices |
Not the core workflow |
Yes, tied to financed checkout purchases |
|
Net terms support |
Net 30, net 60, net 90, and custom terms |
Supports AR workflows after invoicing |
Supports checkout financing and installment terms |
|
Buyer credit decisioning |
AI-powered underwriting and credit workflows |
Credit management module |
Checkout credit decisioning |
|
Credit risk support |
Non-recourse structure for approved advances |
Credit visibility and collections workflows |
Risk handling for approved financed purchases |
|
Invoice management |
Full receivables workflow support |
Collections and invoice-to-cash workflow support |
Checkout-level transaction scope |
|
Automated collections |
Payment Chaser workflows and reminders |
Collections workflows and dunning |
Not the primary workflow |
|
Dispute workflows |
Supported within receivables management |
Supported through dispute management |
Not the primary workflow |
|
Cash application |
Supported through AR automation |
Supported through cash application workflows |
Not the primary workflow |
|
Payment portal |
Branded B2B payment portal |
Buyer payment portal |
Checkout financing experience |
|
ERP and accounting integrations |
QuickBooks Online, NetSuite, Xero, Sage Intacct, and others |
ERP and finance system integrations |
Ecommerce-focused integrations |
|
Ecommerce support |
Shopify, BigCommerce, Magento 2, WooCommerce, and API options |
Depends on implementation |
Ecommerce checkout integrations |
|
Best-fit buyer |
B2B suppliers offering terms and managing receivables |
Finance teams optimizing collections |
B2B ecommerce merchants adding checkout financing |
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:
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 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:
This makes Gaviti relevant for companies that want stronger collections operations and visibility across existing receivables.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.