Oct 09, 2026
Selecting the right B2B payment and accounts receivable solution can determine whether your business thrives with healthy cash flow or struggles with manual processes and payment delays. While Gaviti focuses on AR automation and Kriya serves primarily UK and European businesses with invoice finance and embedded payment solutions, Resolve Pay delivers non-recourse net terms combined with comprehensive AR automation for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose the platform that matches their cash flow objectives, geographic footprint, and operational requirements.
Key Takeaways
- Resolve Pay combines non-recourse net terms financing with AR automation, offering advances of up to 90% of eligible approved invoice value, typically within 1-2 business days, while reducing sellers' exposure to covered buyer credit defaults
- Gaviti operates as an AR automation platform with credit management, collections workflows, and cash application features, serving companies that need invoice-to-cash software rather than working capital acceleration
- Kriya focuses primarily on UK and European markets across invoice finance and embedded B2B payment solutions
- Resolve Pay maintains a 5.0 out of 5 G2 rating with customers reporting up to 90% reduction in AR workload, while Gaviti holds a 4.4 rating from 190 reviews
- Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento distinguish Resolve Pay for B2B sellers operating online storefronts
- Resolve Pay serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries with AI-powered credit decisions delivered in seconds to 24 hours
Understanding B2B Payment Solutions
The B2B payments and AR automation market encompasses fundamentally different solution categories, each serving distinct operational models and business objectives. The Federal Reserve Payments Study tracks how businesses and consumers use ACH transfers, checks, and cards, highlighting the variety of payment methods involved in modern commerce.
Net terms financing platforms like Resolve Pay serve as complete working capital solutions for B2B sellers. These platforms enable sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving immediate cash advances. The value proposition centers on accelerating cash flow, transferring credit risk, and automating the entire AR lifecycle from credit decisioning through collections.
AR automation platforms like Gaviti improve collections efficiency for existing receivables through:
- Invoice management and tracking
- Payment reminders and collections workflows
- Cash application and reconciliation features
- Credit management and monitoring tools
These systems help AR teams manage workload more effectively but do not solve the fundamental cash flow timing problem.
Invoice finance and embedded payment solutions like Kriya provide financing against outstanding invoices with geographic and structural variations tailored to specific regional markets. UK-focused platforms serve those regions with compliance frameworks and funding sources suited to European commerce.
The fundamental distinction lies in outcome delivery. Resolve Pay provides both immediate cash and operational automation, Gaviti provides operational automation with credit management, and Kriya provides financing and embedded payment solutions primarily for UK and European businesses.
Resolve Pay
Resolve Pay's Integrated Platform
Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving immediate cash and transferring credit risk. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and agentic collections in a single solution.
The non-recourse financing model distinguishes Resolve Pay from traditional factoring and AR-only tools:
- Sellers receive advances of up to 90% of invoice value within 1-2 business days
- Advance amounts and any remaining settlement balances depend on the approved transaction and applicable financing terms
- Resolve Pay assumes covered buyer credit-default risk on eligible approved invoices
- Sellers retain their advances if covered approved buyers default, subject to the applicable agreement
Credit decisioning happens through a proprietary AI engine that evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. The system delivers real-time credit decisions with response times ranging from seconds to under 24 hours. Dynamic credit lines adjust based on payment history, enabling growing relationships with reliable buyers.
The AR automation capabilities include automated invoice generation, smart payment reconciliation using ML, and real-time dashboards showing DSO, aging, and portfolio health. Resolve Pay integrates with major ERP and accounting systems, including QuickBooks Online, Xero, Sage Intacct, and NetSuite, helping automate data syncing and reconciliation workflows.
Agentic collections automates multi-channel follow-up sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system pauses automatically when payments or disputes arrive, logs all interactions, and preserves customer relationships through professional communication.
Native e-commerce integrations support embedded checkout for Shopify, BigCommerce, Magento 2, and WooCommerce, enabling instant net terms offers during online B2B purchasing. The platform won the 2025 BigCommerce Innovative Integration Award for its checkout capabilities.
Proven Customer Results
Customer outcomes demonstrate the platform's impact:
- Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
- SS&SI Dealer Network achieved 5x revenue growth through expanded net terms offerings
- ConEquip generated 30% year-over-year growth in the construction equipment sector
- Trenchless Supply reduced AR workload by 90% with credit approvals in under 24 hours
- Elston Materials increased margins from 25% to 30%
When Resolve Pay Fits Best
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. Companies seeking to offer competitive net terms without cash flow strain or credit risk find the integrated platform approach most valuable.
Gaviti
Gaviti's AR Automation Platform
Gaviti positions itself as an AR automation platform designed to streamline collections workflows and credit management. The platform focuses on invoice management, collections sequences, cash application, and analytics for companies managing their own receivables.
The ERP-agnostic architecture represents a notable technical capability. Gaviti connects to proprietary and custom ERP systems that other platforms may not support, making it suitable for enterprises with legacy or homegrown accounting infrastructure. Documented support includes QuickBooks, Xero, NetSuite, Sage Intacct, and custom ERPs.
Collections automation includes multi-channel outreach capabilities with configurable sequences. The platform helps AR teams prioritize accounts, track communications, and coordinate follow-up activities. The platform helps AR teams reduce manual collections work and improve visibility into outstanding receivables.
Cash application features include AI-assisted matching to help reconcile payments to invoices. This capability supports AR teams processing numerous transactions. This capability reduces manual reconciliation work for high-volume AR teams processing numerous transactions.
The platform holds a 4.4 out of 5 G2 rating from 190 reviews. Common praise highlights user-friendly interfaces and time savings from automation. Common concerns include slow performance under heavy load and limited advanced reporting capabilities.
Gaviti's Role in AR Workflows
Gaviti centers its offering on invoice-to-cash automation. Its platform includes:
- Collections management with automated sequences
- Cash application and payment reconciliation
- Credit management with automated scoring and approvals based on configured policies
- Dispute workflows and resolution tracking
- Payment functionality and buyer portals
- ERP connectivity for data synchronization
This approach serves businesses primarily seeking software to manage and automate existing receivables. Resolve Pay takes a broader seller-focused approach by combining AR automation with net terms, buyer underwriting, payment advances on approved invoices, and credit-risk management in the same workflow.
Kriya
Kriya's UK-Focused Platform
Kriya operates as an invoice finance and embedded payment platform serving primarily UK and European businesses. Originally operating as MarketInvoice, the business launched in 2012, later rebranded as Kriya, and was acquired by Allica Bank in October 2025.
Kriya reports having advanced more than £4 billion in credit since launch, reflecting its established history in UK business financing. Invoice finance capabilities include advances of up to 90% of invoice value with 24-hour funding timelines.
Selective invoice financing allows businesses to choose specific invoices to fund rather than committing their entire ledger. This flexibility suits companies with sporadic or seasonal cash flow needs who want to finance only particular transactions.
E-commerce integrations include BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce, supporting online B2B merchants in supported regions. A Stripe partnership positions Kriya as an embedded B2B BNPL option for UK merchants using Stripe checkout.
Kriya's Regional Market Focus
Kriya offers invoice finance, working-capital products, and embedded PayLater solutions, with a strong focus on businesses operating in the UK and Europe.
Its acquisition by Allica Bank in October 2025 strengthened its access to funding and supports its continued expansion in those markets. Resolve Pay, by comparison, is designed around the needs of North American B2B sellers that want to combine net terms, credit management, receivables automation, and faster access to cash.
AR Automation Comparison
All three platforms address accounts receivable management, though with different approaches.
Resolve Pay supports invoicing and receivables workflows connected with ERP and accounting systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite. Resolve Pay supports Net 30, 45, 60, and 90 payment terms, alongside flexible term structures where applicable. Integration capabilities help reduce manual data entry across connected financial workflows.
Agentic collections automates multi-channel sequences across email, SMS, and voice AI with intelligent escalation. The system pauses automatically when payments arrive and logs all interactions. Customers report 90% reduction in AR workload through this automation. ML-powered payment matching automatically reconciles payments to invoices with real-time AR dashboards.
Gaviti focuses on invoice management for existing receivables, helping teams track, organize, and follow up on outstanding invoices. The ERP-agnostic architecture supports connections to proprietary systems. Collections workflow automation includes configurable sequences and multi-channel outreach. Automated collections workflows help teams manage outstanding invoices and improve follow-up consistency. AI-assisted cash application helps high-volume AR teams reduce manual reconciliation work.
Kriya does not position collections automation or cash application as primary capabilities. The platform focuses on financing and embedded payment solutions rather than managing the collections process.
Credit Decisioning and Risk Management
Credit evaluation and risk transfer represent critical differentiators between these platforms.
Resolve Pay's proprietary AI evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions in seconds to under 24 hours, enabling instant approvals during checkout or sales conversations. Dynamic credit lines adjust based on payment history. Resolve Pay's non-recourse model transfers covered buyer credit-default risk on eligible approved invoices, reducing bad-debt exposure and supporting more predictable financial planning.
Gaviti provides credit management capabilities that include credit applications, automated scoring and approvals based on configured policies, credit-limit management, and ongoing risk monitoring. These capabilities are part of its AR automation platform rather than a Resolve Pay-style net terms financing model.
Kriya's underwriting approach varies by product. Its invoice finance offering provides funding against eligible receivables, while its Embedded PayLater product includes buyer decisioning for B2B transactions. The structure and allocation of credit risk therefore depend on the specific Kriya product being used.
E-Commerce and Integration Capabilities
Resolve Pay provides native integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, enabling embedded checkout experiences where buyers can apply for net terms during online purchasing. White-label deployment maintains seller branding throughout the buyer journey. Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, with automated transaction syncing and reconciliation workflows.
Gaviti does not focus on e-commerce checkout integration, positioning instead as an AR automation solution for invoiced business. The ERP-agnostic architecture supports custom and proprietary systems alongside standard platforms, accommodating enterprises with legacy infrastructure.
Kriya supports BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce integrations for UK and European merchants. The Stripe partnership enables embedded PayLater for UK Stripe users. The platform integrates with QuickBooks, Xero, and Sage for invoice data access in supported regions.
All three platforms provide API access for custom integrations. Resolve Pay offers REST API with webhooks and sandbox environments for development.
Geographic Coverage and Market Focus
Regional focus significantly impacts platform relevance for different businesses.
Resolve Pay targets US and Canadian B2B sellers with compliance frameworks, funding sources, and operational models tailored to North American commerce. The platform's 15,000+ business user base consists primarily of manufacturers, distributors, and wholesalers operating in these markets. Industry verticals include HVAC parts distribution, electrical supplies, industrial equipment, medical devices, pharmaceutical distribution, and construction materials.
Gaviti operates globally with ERP-agnostic architecture that accommodates diverse regional requirements. The platform serves companies managing receivables across multiple markets without geographic restrictions on AR automation capabilities.
Kriya concentrates on UK and European markets with funding sources, regulatory compliance, and operational infrastructure designed for those regions. The Allica Bank acquisition reinforces the UK focus.
Security and Compliance
Resolve Pay is SOC 2 Type II attested and independently audited. Resolve Pay also highlights credit and payments expertise from team members with experience at companies including Amazon and PayPal, while its founders worked closely with Affirm before building Resolve Pay.
Gaviti supports enterprise deployments with standard security practices for AR automation platforms.
Kriya operates under UK financial regulations with Allica Bank backing providing institutional compliance oversight.
Why Resolve Pay Fits B2B Sellers
Resolve Pay brings net terms, buyer credit decisioning, AR automation, payment workflows, and collections together for B2B sellers that want to improve cash flow without separating these functions across multiple systems.
Resolve Pay is especially relevant for manufacturers, distributors, wholesalers, and other B2B sellers that need:
- Non-recourse advance payments on eligible approved invoices that reduce exposure to covered buyer credit defaults
- Integrated buyer credit decisioning and dynamic credit management
- Automated invoicing, reconciliation, and collections workflows that reduce AR workload by up to 90%
- B2B ecommerce support across major commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento
- ERP and accounting integrations for connected financial operations
- A North American-focused platform for managing the credit-to-cash lifecycle
Gaviti and Kriya represent different approaches to receivables automation and business financing. Resolve Pay's distinction is its ability to combine net terms, liquidity, credit management, payments, and AR automation within one seller-focused B2B platform.
Frequently Asked Questions
What is the main difference between Resolve Pay's non-recourse financing and traditional invoice factoring?
Non-recourse financing through Resolve Pay means sellers keep their advance payment even if approved buyers default on covered transactions. Traditional invoice factoring typically operates on a recourse basis where sellers must repay advances if buyers fail to pay. This risk transfer reduces sellers' exposure to covered buyer credit defaults on eligible approved invoices, subject to the applicable agreement.
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 in seconds to under 24 hours. This speed enables instant approvals during checkout or sales conversations. Dynamic credit lines adjust based on payment history, and quiet credit checks do not notify buyers.
Can Resolve Pay integrate with my existing ERP and accounting systems?
Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also provides API-based integration options for custom workflows, helping businesses connect Resolve Pay with their existing finance and commerce stack. Most teams launch in under one week.
What types of businesses are best suited for Resolve Pay's platform?
Resolve Pay targets mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers.
How does Resolve Pay reduce manual workload for accounts receivable teams?
The platform automates invoice generation, provides ML-powered payment matching for automatic reconciliation, and deploys agentic collections with multi-channel follow-up sequences across email, SMS, and voice AI. Customers report up to 90% reduction in AR workload through these automation capabilities.
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.
