Selecting the right B2B financial platform can determine whether your business accelerates growth or struggles with cash flow constraints and manual AR processes. While Gaviti provides invoice-to-cash AR automation and Settle primarily serves CPG brands with procurement, accounts payable, inventory, and working-capital workflows, Resolve Pay delivers non-recourse net terms financing combined with AR automation for manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B sellers choose the solution that matches their operational needs, risk tolerance, and growth objectives.
The B2B payments landscape continues to evolve as sellers seek ways to offer competitive payment terms while maintaining healthy cash flow. The Federal Reserve Payments Study tracks business and consumer payment activity across ACH, checks, and cards, highlighting the importance of efficient payment workflows and receivables management. Each platform in this comparison addresses different aspects of B2B financial operations, from software-based automation to integrated financing solutions.
The B2B financial technology market includes three distinct categories, each built for different operational needs.
Seller-side AR automation with financing, as offered by Resolve Pay, combines:
Sellers can offer net terms to qualified buyers while receiving advance payments. Resolve Pay's non-recourse structure also shifts covered buyer default risk on approved transactions, supporting working capital while protecting against covered bad debt.
Invoice-to-cash AR automation software, such as Gaviti, focuses on managing receivables through collections automation, credit management, payment portals, dispute management, and cash application. These platforms improve AR efficiency but do not advance seller payments or assume payment risk.
Procure-to-pay platforms, such as Settle, primarily support CPG brands with purchasing, vendor payments, inventory workflows, and working capital. While Settle includes selected AR functionality, its broader focus is helping brands plan, purchase, and pay for inventory rather than providing seller-side non-recourse net terms financing.
The key distinction is business impact:
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving advance cash and transferring covered credit risk. Rather than simply automating existing processes, Resolve Pay's AR automation fundamentally transforms how B2B sellers manage receivables.
Resolve Pay can provide advance payment on approved invoices within 24 hours while buyers retain flexible net terms. The non-recourse structure means sellers keep advances on approved, covered transactions even if the buyer later defaults. For approved, covered transactions, Resolve Pay's non-recourse structure allows sellers to keep the advance if the buyer defaults.
The AI-powered credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions are generally delivered within hours, with instant approvals available for some qualifying purchases. This replaces manual trade reference calls and spreadsheet tracking with automated, real-time decisioning.
Agentic collections capabilities include multi-channel automated sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response patterns, automatically pausing when payments or disputes arrive. This automation preserves customer relationships while reducing Days Sales Outstanding.
Enterprise compliance capabilities include SOC 2 Type II certification, supporting deployments at regulated enterprises requiring robust security standards. The platform provides:
Resolve Pay provides native integrations with major ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento 2. Resolve Pay received the 2025 Innovative Integration Award in BigCommerce's Americas region technology partner awards.
Accounting and ERP integrations include QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Resolve Pay supports automated syncing and reconciliation workflows, with capabilities varying by integration, while REST APIs support custom implementations. The branded payment portal gives buyers multiple ways to settle invoices while maintaining the seller's customer experience.
Resolve Pay serves B2B sellers who need:
Gaviti positions itself as an AI-powered accounts receivable automation platform covering credit management, collections, cash application, disputes, and customer payment workflows. The platform was established in 2018 with headquarters in Tel Aviv, Israel, focusing on invoice-to-cash process automation.
Unlike Resolve Pay's integrated financing model, Gaviti operates as software-only, helping organizations automate their existing receivables operations without providing working capital advances or assuming payment risk.
The collections management module provides automated reminder sequences, workflow organization, and task prioritization for AR teams. Users report that the platform delivers workflow visibility and organization improvements, with ease of use highlighted after initial configuration.
Gaviti provides credit management capabilities including credit applications, automated credit reviews, credit-limit management, monitoring, and risk alerts. These tools help finance teams manage customer credit internally, while Resolve Pay combines credit decisioning with non-recourse net terms financing on approved, covered transactions.
Additional capabilities include:
Gaviti offers modular functionality across Collections Management, Cash Application, Dispute Management, Credit Management, and payment workflows. Organizations can configure the platform around the AR functions relevant to their operations.
Multi-ERP connectivity allows organizations to connect multiple enterprise resource planning systems simultaneously. This feature serves companies with fragmented finance stacks across subsidiaries or acquisitions needing unified AR visibility.
Implementation timelines depend on the number of connected ERP systems, data requirements, workflow configurations, and organizational complexity. Businesses deploying AR automation across multiple financial systems should account for integration, configuration, testing, and team onboarding.
Gaviti is designed for organizations managing invoice-to-cash workflows across functions such as credit management, collections, cash application, disputes, and multi-system AR operations. Its model centers on software automation rather than Resolve Pay's combination of AR automation and non-recourse net terms financing.
Settle primarily functions as a procure-to-pay and inventory operations platform for CPG brands, with functionality spanning accounts payable, procurement, working capital, and selected accounts receivable workflows. Founded in 2019, the platform targets Shopify sellers, Amazon brands, and ecommerce businesses managing vendor relationships and inventory.
The core functionality addresses buyer-side financial operations rather than seller-side receivables. Purchase order management, bill pay automation, and inventory tracking help CPG brands streamline procurement workflows. The platform offers automated landed cost tracking, positioning itself for calculating SKU-level costs for consumer goods operations.
This operational focus differs significantly from Resolve Pay's seller-side net terms financing, credit decisioning, and receivables automation, as Settle primarily helps brands manage what they purchase and pay rather than what they sell and collect.
Integration with 60+ platforms includes warehouses, 3PLs, and marketplaces serving the CPG ecosystem. Connections to ShipBob, Flexport, Walmart, and TikTok Shop support omnichannel consumer brands managing complex supply chains.
The platform provides:
Settle offers different product tiers for CPG brands, with functionality spanning accounts payable, procurement, inventory workflows, landed cost management, and working capital for approved businesses. More advanced capabilities include automated 3-way matching, multiple shipments per purchase order, and additional operational support.
Working capital options are available for approved customers across plan tiers, though this financing focuses on paying vendors rather than collecting from customers. The orientation remains fundamentally different from Resolve Pay's seller-side invoice advances.
Settle primarily supports CPG brands managing procurement, inventory, vendor payments, landed costs, and working-capital workflows. Its operational focus differs from Resolve Pay's seller-side net terms, credit, receivables, and collections workflow.
Resolve Pay provides non-recourse net terms financing with advance payment available on approved invoices within 24 hours. Sellers can improve cash flow while buyers retain flexible payment terms. For approved, covered transactions, Resolve Pay assumes the covered buyer default risk under its non-recourse structure. This helps sellers protect cash flow while offering qualified buyers flexible payment terms.
Gaviti operates as software-only without any financing component. The platform improves collection efficiency but does not provide working capital or assume credit risk. Organizations using Gaviti must manage their own credit exposure and wait for customer payments to improve cash flow.
Settle offers working capital for approved customers, but this financing helps brands pay their vendors rather than accelerating receivables. The funding flows in the opposite direction, supporting purchase financing rather than invoice advances.
Resolve Pay's credit engine provides AI-powered buyer evaluation with real-time decisioning. Credit decisions are generally delivered within hours, with instant approvals available for some qualifying purchases. Resolve Pay provides fast, quiet business credit checks that do not notify buyers or affect their personal credit scores, with decisions often available within hours. Dynamic credit decisions can adjust as buyer information changes, while Resolve Pay's non-recourse structure protects sellers from covered default risk on approved transactions.
Gaviti provides credit management capabilities including credit applications, automated credit reviews, credit-limit management, monitoring, and risk alerts. These tools help finance teams manage customer credit internally, while Resolve Pay combines credit decisioning with non-recourse net terms financing on approved, covered transactions.
Settle primarily focuses on procurement, accounts payable, inventory operations, and working capital. Its customer receivables functionality serves a different workflow from Resolve Pay's integrated buyer credit decisioning and non-recourse net terms financing.
Resolve Pay's agentic collections system uses multi-channel automated sequences including email, SMS, and voice AI outbound calls. Intelligent escalation adjusts based on buyer response patterns with configurable day thresholds. The system automatically pauses when payments or disputes arrive, preserving customer relationships while reducing DSO.
Gaviti provides automated reminder sequences and collections workflows with the ability to customize communication timing and channels. The dispute management module handles claims and deductions through dedicated workflows. Users can configure day thresholds for escalation and manage collections on invoices through the software platform.
Settle also provides accounts receivable invoicing functionality, although procurement, accounts payable, and inventory management remain central to its product positioning. Resolve Pay combines receivables management with dedicated AI-powered collections workflows, payment processing, and net terms financing for B2B sellers.
Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento 2 for ecommerce, plus QuickBooks Online, Xero, Sage Intacct, and NetSuite for accounting. Resolve Pay's BigCommerce integration received the 2025 Innovative Integration Award in the Americas region technology partner awards. REST API access with webhooks supports custom implementations.
Gaviti provides multi-ERP connectivity allowing simultaneous connections to multiple enterprise systems. This capability serves organizations with complex subsidiary structures needing unified AR visibility across fragmented finance stacks.
Settle offers 60+ integrations focused on the CPG ecosystem including warehouses, 3PLs, and marketplaces. Shopify, Amazon, QuickBooks, and NetSuite connections support omnichannel consumer brand operations.
Resolve Pay includes a branded payment portal accepting ACH, wire transfer, credit card, and check payments.
Gaviti provides a customer self-service portal for collecting payments on receivables, including ACH, credit card, and other supported payment methods.
Settle supports outgoing vendor payments through methods including ACH, wires, and checks as part of its procure-to-pay workflow.
Resolve Pay maintains perfect 5.0/5 ratings on G2 across 17 reviews and 5.0/5 on Capterra with 17 reviews. Users consistently highlight:
The review sample size reflects Resolve Pay's focused positioning in the mid-market B2B segment rather than mass-market adoption, with quality of experience prioritized over volume of reviews.
Gaviti maintains 4.4/5 on G2 with over 190 reviews and 4.5/5 on Capterra with 91 reviews, providing a substantial review base. The platform earned recognition in G2's 2026 Top 50 Accounting and Finance Products. Users appreciate:
Settle has 4.2/5 on TrustPilot with 7 reviews, reflecting its focus on CPG brands. Users highlight time savings in procurement and AP workflows and appreciate accessible entry options for startup brands.
For manufacturers, distributors, and wholesalers extending net terms to business buyers, Resolve Pay addresses challenges that software-only tools and procure-to-pay platforms cannot solve.
Cash flow transformation can begin quickly because approved invoices can be funded within 24 hours. Rather than waiting for the full customer payment term, sellers can receive advance payment on approved invoices within 24 hours while buyers retain flexible net terms. The U.S. Census ecommerce report tracks the growth and contribution of online retail sales. For B2B sellers operating online storefronts, connected credit and payment workflows can help support efficient purchasing experiences. This working capital unlocks growth opportunities without requiring separate financing arrangements.
Credit risk protection is built into Resolve Pay's non-recourse structure for approved, covered transactions. Sellers keep the advance if a covered buyer later defaults, helping businesses extend payment terms while protecting cash flow. Research shows that B2B payment terms influence accounts receivable uncertainty and cash flow, highlighting the value of offering flexible payment terms while managing credit risk.
Operational efficiency improves through integrated automation. The same platform handling credit decisions also supports invoice financing, payment processing, and collections. This consolidation reduces the need for separate tools, simplifies accounts receivable workflows, and helps B2B sellers manage credit, payments, and collections more efficiently.
Customer experience improves through the white-label payment portal and professional communication sequences. Buyers access self-service payment options while receiving consistent, branded interactions throughout the payment cycle. The business credit management capabilities support growth without sacrificing customer relationships.
The over 15,000 businesses using Resolve Pay have demonstrated results including:
Gaviti and Settle address different portions of business finance operations, while Resolve Pay brings seller-side credit, net terms financing, receivables automation, payment workflows, and collections together for B2B suppliers.
These platforms serve fundamentally different business needs. Resolve Pay provides seller-side net terms financing with non-recourse protection, helping B2B sellers offer payment terms while receiving advance cash. Gaviti offers software-based invoice-to-cash automation including credit management, collections, disputes, and cash application. Settle primarily focuses on buyer-side procurement, accounts payable, inventory workflows, and working capital for CPG brands. For B2B sellers focused on extending customer payment terms, accelerating receivables, managing buyer credit, and automating collections, Resolve Pay brings these seller-side workflows together within one platform.
Non-recourse financing through Resolve Pay means sellers receive invoice advances and keep those funds on approved, covered transactions even if the buyer later defaults. For approved, covered transactions, Resolve Pay assumes the covered buyer default risk under its non-recourse structure. This helps sellers protect cash flow while offering qualified buyers flexible payment terms. The protection removes a constraint on extending competitive payment terms and transforms accounts receivable from a collection challenge into a growth enabler.
Yes. Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, supporting automated syncing and reconciliation workflows depending on the system and implementation. Ecommerce integrations include Shopify, BigCommerce, WooCommerce, and Magento 2. The BigCommerce integration won the 2025 Innovative Integration Award. REST API access with webhooks supports custom integrations for complex tech stacks. Most teams launch within one week using native connections.
Implementation typically completes in hours to days with native integrations, and most teams launch within one week. Cash flow improvement can begin quickly because approved invoices can be funded within 24 hours. Credit decisions are generally delivered within hours, with instant approvals available for some qualifying purchases. This contrasts with AR software implementations that can require months of configuration. Customer results include credit approvals reduced from 10 days to hours at Archipelago Lighting and 90% reduction in AR workload at Trenchless Supply.
The AI credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions are generally delivered within hours, with instant approvals available for some qualifying purchases. Quiet business credit checks do not notify buyers or affect their personal credit scores. Dynamic credit decisions adjust based on payment history and updated information. This automation replaces manual trade reference calls and spreadsheet tracking with real-time decisioning.
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.