Selecting the right B2B payment solution can determine whether your business accelerates growth or remains stuck waiting 30 to 90 days for customer payments. While Gaviti focuses on accounts receivable automation and collections workflows, and Mondu serves European markets with B2B payment capabilities, Resolve Pay delivers non-recourse financing 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 needs, geographic operations, and growth objectives.
The B2B payments market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps revenue and finance leaders select tools aligned with their growth stage, geographic operations, and execution capacity.
AR automation platforms like Gaviti serve as workflow management systems for accounts receivable teams. These platforms provide collections automation, invoice tracking, payment reminders, and analytics dashboards that help AR professionals manage their outstanding invoices more efficiently. The value proposition centers on improving human productivity through better workflow management and visibility.
B2B payment providers like Mondu represent a payment financing approach in European markets, enabling business buyers to purchase on credit terms. These platforms typically focus on payment processing and financing, generating revenue through transaction services.
Integrated net terms platforms like Resolve Pay represent a comprehensive approach that combines financing with AR automation. Rather than just helping teams manage receivables more efficiently, Resolve Pay's B2B payments platform enables sellers to offer competitive net terms while improving cash-flow predictability and reducing covered buyer credit risk through non-recourse financing. The system handles credit decisioning, advances funds, manages collections automatically, and integrates with existing business systems.
The fundamental distinction lies in the outcome delivered: traditional AR platforms improve efficiency, payment providers enable buyer financing in specific markets, and integrated platforms like Resolve Pay transform the entire order-to-cash cycle for North American sellers.
The spectrum of B2B payment approaches spans from basic invoicing to comprehensive financed net terms, with profound implications for working capital and growth capacity.
Traditional invoicing requires sellers to extend credit from their own balance sheet, waiting 30-90 days for payment while absorbing all credit risk. The Federal Reserve's payment systems research tracks developments in business payment methods and infrastructure. For B2B sellers, extended payment terms can create working capital pressure when operating expenses come due before customers pay.
Factoring arrangements can be structured as either recourse or non-recourse financing. Under recourse factoring, the seller may remain responsible if the buyer fails to pay, while non-recourse arrangements transfer specified credit risk to the financing provider. Resolve Pay offers a modern non-recourse approach for eligible approved invoices while integrating financing with B2B payment and AR workflows.
Non-recourse net terms financing through Resolve Pay's Advance Pay helps sellers improve cash-flow predictability. Sellers can offer approved buyers flexible payment terms while receiving eligible invoice advances within 1-2 business days.
The cash flow advantage compounds across multiple dimensions:
Gaviti operates in the AR efficiency space, helping teams manage collections more effectively through workflow automation. Mondu provides B2B payment solutions across European markets, including the UK. Resolve Pay is focused on North American B2B sellers that want to combine net terms, faster access to cash, credit decisioning, AR automation, and collections.
Resolve Pay operates as a B2B payments platform focused on enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. Rather than just assisting AR teams, Resolve Pay executes complete order-to-cash cycles with financing, automation, and collections integrated into a single solution.
The platform combines several core capabilities:
Net Terms Financing enables sellers to offer Net 30, 60, or 90 day terms to approved buyers. Resolve Pay can advance eligible approved invoices within 1-2 business days on a non-recourse basis, reducing the seller's exposure to covered buyer-default risk.
AI Credit Engine provides real-time credit decisions by evaluating thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit approvals happen in under 24 hours, with instant approvals available for qualifying purchases. The business credit check process runs quietly without notifying buyers or impacting their credit scores.
AR Automation handles invoice generation synced from ERP systems, smart payment reconciliation using ML to match payments to invoices automatically, real-time AR dashboards showing DSO and portfolio health, and automated bookkeeping sync to accounting systems. Customers report significant AR workload reduction after implementing Resolve Pay.
Agentic Collections uses multi-channel automated sequences including email, SMS, and voice AI outbound calls with intelligent escalation based on buyer response and payment history. The system pauses automatically when payment or disputes are received and logs all interactions to invoice records. This AI-powered collections approach preserves customer relationships while reducing DSO.
B2B Payment Portal provides a white-labeled buyer dashboard showing all invoices, credit lines, and payment history with flexible payment options including ACH transfers, wire transfer, credit card, and check.
The native integrations with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite enable rapid deployment. Most teams launch in under one week, with e-commerce integrations often going live in hours to days.
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries who need:
Gaviti positions itself as an accounts receivable automation platform focused on collections workflows, credit management, and cash application. The platform provides features for AR teams to manage invoices, automate collection sequences, track disputes, and connect with multiple ERP systems.
The platform demonstrates strength in several areas:
Gaviti earned a 4.4/5 G2 rating from 190 reviews, demonstrating market validation with a substantial user base. The platform works well for enterprises requiring AR efficiency improvements.
Gaviti's platform is centered on invoice-to-cash automation, including collections workflows, credit management, dispute management, cash application, payment workflows, and ERP connectivity. Gaviti states that customized rollout and onboarding averages 4-6 weeks, although timing can vary with configuration requirements.
This positioning differs from Resolve Pay's model. Resolve Pay combines AR automation with eligible non-recourse invoice advances, buyer credit decisioning, payment workflows, and collections in a platform designed for B2B sellers that want to connect receivables management with faster access to cash.
Mondu operates as a B2B payments provider focused on European markets, including the UK. The platform enables merchants to offer payment terms to business buyers while receiving payment separately from the buyer's eventual payment date.
Mondu brings several notable capabilities to European markets:
The platform has established partnerships including J.P. Morgan Payments Partner Network membership and Stripe native integration, supporting enterprise-scale European deployments.
Mondu's geographic focus creates operational considerations. Mondu focuses on European and UK B2B payment markets, with availability depending on merchant location, legal entity requirements, and supported buyer markets. Resolve Pay primarily serves US and Canadian B2B sellers seeking integrated net terms financing and AR automation. Mondu combines B2B payment processing with invoice management, reconciliation, merchant reporting, and dunning workflows, reflecting its primary focus on financed B2B payment transactions.
Mondu provides payout reporting and reconciliation tools for transactions processed through its platform. Mondu supports several ecommerce platforms through ready-made plugins, REST API connectivity, and PSP integrations. Resolve Pay provides its own ecommerce integrations alongside ERP and accounting connectivity for B2B sellers.
The accounts receivable capabilities across these platforms reflect their different core missions and target markets.
Resolve Pay provides automated invoice generation synced from ERP and accounting systems, smart payment reconciliation using ML to match payments to invoices automatically, and real-time AR dashboards showing DSO, aging, and portfolio health. The accounts receivable management integrates directly with QuickBooks, Xero, Sage Intacct, and NetSuite through two-way sync.
Gaviti offers invoice tracking, automated workflows, and ERP connectivity. Direct connections are available for several major systems, while API, file-transfer, and other data-exchange methods can support additional ERP environments. Gaviti also provides credit management and cash application capabilities.
Mondu combines B2B payment processing with invoice management, reconciliation, merchant reporting, and dunning workflows, reflecting its primary focus on financed B2B payment transactions.
Resolve Pay's agentic collections uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system preserves customer relationships through professional, friendly communication while handling collections autonomously. Configurable day thresholds enable customized sequences like Day 1 email, Day 7 SMS, Day 14 call, and Day 21 escalation.
Gaviti provides collections automation with customizable workflows, automated reminders, and dispute management tracking. The platform's collections capabilities help teams manage outstanding receivables through structured workflows.
Mondu manages collections and dunning for supported transactions as part of its B2B payment workflow.
Resolve Pay uses ML-powered payment matching to automatically reconcile incoming payments with outstanding invoices, reducing manual reconciliation work.
Gaviti provides cash application capabilities integrated with its ERP connectivity, helping enterprises match payments across complex system environments.
Mondu provides payout reporting and reconciliation tools for transactions processed through its platform.
Credit decisioning capabilities determine how quickly sellers can extend terms to new buyers and how well protected they remain against defaults.
Resolve Pay's AI Credit Engine delivers credit decisions in under 24 hours, with instant approvals available for qualifying purchases. The system evaluates thousands of data points including cash flow trends, payment history, and behavioral signals without impacting buyer credit scores through quiet credit checks.
Gaviti provides credit management modules with scoring capabilities, helping AR teams assess customer creditworthiness through integrated workflows.
Mondu offers real-time approval for transactions up to approximately $1.1M USD, enabling immediate purchasing decisions at checkout.
Resolve Pay provides non-recourse financing on eligible approved invoices, helping sellers access cash faster while reducing exposure to covered buyer-default risk.
Gaviti provides credit management tools for setting and monitoring customer credit limits within existing AR workflows.
Mondu offers merchants payment processing with risk management on approved transactions in European markets.
The integration capabilities and deployment timelines significantly impact time-to-value for businesses evaluating these platforms.
Resolve Pay provides native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce, enabling embedded net terms directly at checkout. The platform won the 2025 BigCommerce Innovative Integration Award recognizing excellence in B2B e-commerce integration.
Gaviti focuses on ERP connectivity for enterprise receivables workflows. B2B e-commerce sellers would need to evaluate their specific integration requirements.
Mondu supports several ecommerce platforms through ready-made plugins, including Shopify, Magento 2, WooCommerce, Shopware, and JTL, along with REST API and PSP integration options.
Resolve Pay offers two-way sync with QuickBooks Online, Xero, Sage Intacct, and NetSuite for automatic payment reconciliation and bookkeeping updates.
Gaviti supports direct connections with several ERP and accounting platforms, including NetSuite, QuickBooks Online, Xero, and Sage Intacct. Its ERP-agnostic architecture also provides other data-exchange methods for businesses using additional systems.
Mondu offers ERP and CRM integrations for European deployments through various connectivity methods.
Resolve Pay launches in hours to days for native e-commerce integrations and 1-2 weeks for ERP implementations, representing fast time-to-value.
Gaviti states that customized rollout and onboarding averages 4-6 weeks, with timelines varying based on configuration requirements.
Mondu implements through various methods depending on integration complexity for European merchants.
Resolve Pay is designed for eligible B2B sellers that want to connect buyer credit, net terms, faster access to invoice cash, payment workflows, reconciliation, and collections within one platform.
For manufacturers, distributors, wholesalers, and other B2B sellers operating in the US and Canada, Resolve Pay provides:
Gaviti and Mondu serve different portions of the broader receivables and B2B payments market. Gaviti focuses on invoice-to-cash automation, including collections, credit management, cash application, dispute management, and ERP-connected workflows. Mondu focuses on B2B payment solutions across European markets, including the UK.
Resolve Pay's distinction is its combination of net terms financing, credit decisioning, AR automation, payment workflows, and collections for North American B2B sellers looking to transform their order-to-cash cycle.
Factoring can be structured with either recourse or non-recourse provisions depending on the agreement. Resolve Pay provides non-recourse financing on eligible approved invoices, allowing sellers to receive an advance while Resolve Pay assumes the applicable covered buyer-default risk. This approach combines financing with integrated B2B payment, credit decisioning, and AR automation workflows designed specifically for North American manufacturers, distributors, and wholesalers.
Yes, Resolve Pay provides two-way sync with QuickBooks, NetSuite, Sage Intacct, and Xero. The integration pulls invoice data automatically and writes back payment information for automated reconciliation. Native e-commerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce enable embedded net terms at checkout. Most implementations launch in under one week.
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 supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers operating in the US and Canada.
The AI Credit Engine evaluates thousands of data points including cash flow trends, payment history, and behavioral signals to provide real-time credit decisions. Approvals happen in under 24 hours with instant decisions available for qualifying purchases. The process runs as a quiet credit check that does not notify buyers or impact their credit scores.
Resolve Pay's agentic collections use multi-channel automated sequences with intelligent escalation based on buyer response and payment history. The system employs professional, friendly communication and pauses automatically when payments or disputes are received. All interactions are logged to invoice records, helping reduce DSO while maintaining positive buyer relationships.
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.