Resolve Pay vs Gaviti vs Slope: 2026 Comparison

B2B finance teams comparing Resolve Pay, Gaviti, and Slope are usually trying to solve the same broad issue: payment timing. Buyers often expect flexible terms, sellers need predictable cash flow, and finance teams want fewer manual receivables tasks. The challenge is that these three platforms approach issues from different points in the payment lifecycle. Resolve Pay focuses on B2B net terms and receivables automation for sellers that want to offer buyers flexible payment terms while getting paid faster. Gaviti focuses on accounts receivable workflows and collections automation after invoices have been issued. Slope focuses on embedded B2B payment infrastructure for platforms and marketplaces that want to offer payment terms inside their checkout experience.

That distinction matters because a collections tool, an embedded payment API, and a net terms financing platform are not interchangeable. A supplier waiting 30, 60, or 90 days for payment needs a different solution from a software platform embedding credit into its product flow. This comparison explains how Resolve Pay, Gaviti, and Slope differ across positioning, cash flow impact, credit decisioning, integrations, and use case fit, with a Resolve Pay-focused view for B2B sellers that want to improve receivables, reduce credit exposure, and support buyer growth.

Key Takeaways

• Resolve Pay supports seller cash flow: Resolve Pay helps B2B sellers offer flexible payment terms while advancing funds on approved invoices, reducing the wait between invoice creation and cash availability.
• Net terms require more than collections: Collections automation can improve follow-up, but sellers that want faster access to cash need a platform that supports credit decisions, invoice advancement, and receivables workflows together.
• Credit risk management matters: Resolve Pay supports non-recourse invoice advances on approved transactions, helping sellers protect cash flow while offering buyers more flexible ways to pay.
• Integrations reduce manual AR work: Resolve Pay connects with ecommerce, ERP, and accounting systems so teams can keep checkout, invoicing, reconciliation, and payment records aligned.
• Use case fit should guide comparison: Gaviti is centered on AR collections workflows, Slope is centered on embedded payment infrastructure, and Resolve Pay is centered on seller-side net terms and receivables automation.
• Resolve Pay is built for B2B sellers: Manufacturers, wholesalers, distributors, and B2B merchants can use Resolve Pay to offer payment flexibility without managing every part of credit, collections, and receivables manually.

Why B2B Finance Teams Compare These Platforms

B2B suppliers evaluating AR and cash flow tools in 2026 are often responding to the same pressure: net terms create a timing gap between when revenue is earned and when cash arrives. The AR automation market continues to grow as finance teams look for better cash flow visibility, fewer manual workflows, and more efficient order-to-cash processes.

Three pain points drive most of these comparisons:

• Cash flow unpredictability: Net 30, Net 60, and Net 90 payment cycles can make working capital harder to plan. The Federal Reserve has also highlighted that delayed payments remain a common payments challenge for small businesses.
• Collections overhead: Finance teams that spend time sending reminders, tracking overdue invoices, and reconciling payments often look for automation that reduces manual follow-up.
• Embedded payment requirements: B2B marketplaces and SaaS platforms may need payment terms at checkout, which requires embedded infrastructure rather than a standalone AR tool.

These three pain points map directly to the three platforms in this comparison. Each solves a different version of the B2B payment problem.

What Does Each Platform Actually Do?

Resolve Pay, Gaviti, and Slope each address a different phase of the B2B payment lifecycle: net terms financing, collections automation, and embedded checkout infrastructure.

Resolve Pay

Resolve Pay is a B2B payments and net terms platform that helps sellers offer payment terms to business buyers while improving cash flow and reducing credit risk. B2B suppliers can offer buyers Net 30, Net 60, Net 90, or custom terms, subject to approval. Resolve Pay supports credit decisions, invoice advancement, payment workflows, receivables automation, collections support, and integrations across ecommerce, ERP, and accounting systems.

For approved invoices, Resolve Pay can advance funds to the seller while buyers keep the time they need to pay. Resolve Pay also supports non-recourse invoice advances, meaning sellers can protect cash flow on approved transactions instead of carrying the full default risk themselves.

Gaviti

Gaviti is an AR automation and collections management platform. Its focus is on helping finance teams manage the invoice-to-payment lifecycle after invoices have already been issued. Gaviti supports structured collections workflows, payment reminders, customer communication, and AR visibility for teams that want to improve collections discipline across open receivables.

This makes Gaviti most relevant when the seller’s primary need is to organize and automate collections activity within existing payment terms.

Slope

Slope is an embedded B2B payment platform built for marketplaces, software platforms, and businesses that want to offer payment terms inside a product or checkout flow. Its API-first model is oriented toward teams with engineering resources that need to embed buyer financing and payment workflows into a broader platform experience.

This makes Slope most relevant for platform-level payment infrastructure rather than traditional seller-side receivables management.

Resolve Pay vs Gaviti vs Slope: Features Compared

1. Resolve Pay: Net Terms Financing with Built-In AR

Resolve Pay helps B2B sellers offer buyers flexible payment terms while improving cash flow, automating receivables, and reducing credit exposure. Instead of treating net terms as a manual back-office process, Resolve Pay combines credit decisioning, invoice advancement, payments, collections support, and AR automation in one platform.

Here is how it works in practice: a supplier connects Resolve Pay to its ecommerce, ERP, or accounting stack. When a buyer requests terms, Resolve Pay supports the credit decisioning process using AI-driven workflows and available buyer data. Approved buyers can receive flexible payment terms, while the seller can receive an advance on eligible invoices. Resolve Pay then supports payment reminders, collections workflows, reconciliation, and transaction syncing.

This model is especially useful for B2B sellers that want to offer flexible payment terms without waiting weeks or months for cash to arrive. It also helps sellers avoid building a full internal credit and collections operation from scratch.

Key Features

• AI-driven credit decisions: Resolve Pay supports faster business credit decisions so sellers can evaluate buyers with less manual review.
• Non-recourse invoice advances: Approved invoice advances are structured to help sellers reduce buyer default exposure.
• Flexible net terms: Sellers can offer Net 30, Net 60, Net 90, and custom terms, subject to buyer approval.
• Integrated AR workflows: Resolve Pay supports invoicing, reminders, collections workflows, and reconciliation from one connected platform.
• Branded buyer portal: Buyers can pay through a branded portal using supported payment methods such as ACH, wire, credit card, and check.
• ERP and ecommerce integrations: Resolve Pay connects with platforms such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce.
• Seller-focused cash flow support: Resolve Pay helps sellers get paid faster on approved invoices while preserving buyer payment flexibility.

Resolve Pay is particularly relevant for manufacturers, wholesalers, distributors, and B2B merchants that want to grow sales by offering terms while keeping receivables and cash flow under control.

2. Gaviti: Collections-First AR Automation

Gaviti is an accounts receivable automation platform centered on collections workflows. It helps finance teams organize invoice follow-up, automate reminder sequences, segment accounts, and improve visibility into collection activity.

For businesses that already offer payment terms and mainly need better follow-through on open invoices, Gaviti can support a more structured AR process. Its value is strongest when the goal is to improve communication, reduce manual outreach, and make collections activity easier to manage.

Key Features

• Collections workflow automation: Gaviti helps teams automate reminder sequences and organize outreach around invoice status.
• Customer communication tools: Finance teams can manage customer follow-up across structured workflows.
• AR visibility: The platform helps teams monitor outstanding invoices and prioritize collection activity.
• ERP and accounting connectivity: Gaviti connects with financial systems to support receivables workflows.

Gaviti is best understood as a collections automation platform. It can help finance teams manage existing payment terms more efficiently, while Resolve Pay addresses a broader seller-side workflow that includes net terms, credit decisioning, invoice advancement, and receivables automation.

3. Slope: Embedded B2B Payments Infrastructure

Slope is an embedded B2B payments platform designed for companies that want to build payment terms into a marketplace, SaaS platform, or checkout flow. Its API-first model is most relevant for product and engineering teams that need credit and payment workflows embedded directly into a customer-facing platform.

Rather than focusing on a traditional seller’s AR department, Slope focuses on infrastructure for platforms that want to offer buyer payment flexibility as part of their own product experience.

Key Features

• Embedded checkout workflows: Slope supports payment terms inside platform and marketplace checkout experiences.
• API-first deployment: The platform is built for technical teams integrating B2B payment workflows into their product.
• Credit decisioning support: Slope supports buyer evaluation within embedded payment flows.
• Platform payment workflows: Slope is most relevant for businesses building payment terms into a larger software or marketplace experience.

Slope can be a fit for platform operators with the technical resources to embed payment infrastructure. For B2B sellers that want to improve cash flow from customer invoices, Resolve Pay is more directly aligned with seller-side AR and net terms workflows.

Cash Flow Impact: Upfront Payment vs Collections

The most meaningful distinction across these three platforms is how each model affects a seller’s actual cash position.

Resolve Pay

Resolve Pay is designed to help sellers get paid faster on approved invoices while buyers keep flexible payment terms. A seller offering Net 60 or Net 90 can use Resolve Pay to reduce the cash flow gap created by delayed buyer payments. That matters because the Atradius Payment Practices Barometer tracks how B2B payment behavior can affect cash flow, credit management, and working capital planning.

Resolve Pay’s non-recourse structure on approved invoice advances also helps sellers reduce exposure when offering credit to buyers. For businesses that want to increase buyer purchasing power without managing every credit and collections task internally, this is the core advantage.

Gaviti

Gaviti helps finance teams improve collections within the terms already extended to buyers. If a seller offers Net 30, Gaviti can help organize reminders and follow-up so invoices are less likely to slip through manual processes. The seller still operates within the original payment timeline, but the collections process becomes more structured.

Slope

Slope supports flexible payment terms at the platform or marketplace level. Its cash flow impact depends on the payment flow, buyer terms, and platform configuration. It is most relevant for companies embedding payment options into a product experience rather than sellers trying to manage receivables from traditional B2B invoices.

ERP Integration and Implementation

Integrations matter because net terms, invoice payments, and receivables records can quickly become difficult to manage when systems do not sync.

Resolve Pay offers ERP integrations and ecommerce connectivity across tools used by B2B merchants, including QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. These integrations help sync invoice status, payment records, customer information, and reconciliation workflows. Resolve Pay also supports flexible APIs for custom ecommerce environments.

Gaviti connects with ERP and accounting systems to support AR collections workflows. Its integration value is tied to helping finance teams manage open invoices and collection activity from connected financial data.

Slope’s integrations are primarily API-based. That makes it a stronger fit for platform builders that have engineering resources and want payment terms embedded into their own product infrastructure.

For B2B sellers with established ecommerce or ERP systems, Resolve Pay offers the most direct path to connecting B2B payments, net terms, and AR automation into the seller’s existing workflow.

Who Should Choose Resolve Pay?

Resolve Pay is built for B2B sellers that want to offer flexible payment terms, improve cash flow, and reduce the operational burden of managing receivables manually.

Resolve Pay works particularly well when:

• Your business sells to other companies on Net 30, Net 60, Net 90, or custom terms.
• You want to offer payment flexibility without waiting the full term period for cash.
• Your finance team spends time on credit checks, invoice follow-up, collections, and reconciliation.
• You want non-recourse support on approved invoice advances.
• Your tech stack includes QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, or a custom ecommerce platform.
• You want a seller-focused platform that combines business credit checks, invoice advancement, payments, and AR automation.

The key differentiation is that Resolve Pay supports the full seller-side net terms workflow. It does not only help teams chase payments. It helps sellers offer terms, make credit decisions, get paid faster on approved invoices, and keep receivables connected across systems.

Resolve Pay for Ecommerce and B2B Sellers

B2B ecommerce sellers often need more than a basic payment method. Buyers may expect terms at checkout, sales teams may need offline order support, and finance teams need payment records to reconcile cleanly.

Resolve Pay supports net terms for ecommerce by helping merchants embed payment terms into checkout and connect those workflows to AR systems. This is useful for sellers that operate across online storefronts, field sales, invoice-based sales, or hybrid B2B commerce models.

For sellers comparing Resolve Pay with collections or embedded payment infrastructure platforms, the question should be practical: does the business need better collections follow-up, an API for platform payments, or a full net terms and AR workflow for B2B sales? For sellers that need the third option, Resolve Pay is the most relevant fit in this comparison.

Resolve Pay as a Modern Alternative to Factoring

Some B2B suppliers compare net terms platforms with factoring because both relate to receivables and cash flow. However, Resolve Pay is positioned as a factoring alternative for sellers that want to offer buyer-friendly terms without relying on traditional invoice factoring workflows.

Traditional factoring can introduce a separate financing process that sits outside the buyer experience. Resolve Pay is built around embedded B2B payments, credit workflows, branded buyer payment experiences, and AR automation. That makes it better aligned with sellers that want cash flow support and a customer-friendly payment process in the same platform.

Final Verdict

Resolve Pay is centered on seller-side net terms, invoice advancement, and AR automation. It helps B2B sellers offer payment flexibility to buyers while improving cash flow, reducing credit exposure on approved invoices, and keeping receivables workflows connected across systems.

For B2B suppliers, wholesalers, manufacturers, distributors, and merchants that want to offer Net 30, Net 60, Net 90, or custom terms without carrying the full operational burden of credit and receivables, Resolve Pay provides the most complete fit in this comparison.

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Frequently Asked Questions

How does Resolve Pay help B2B sellers offer net terms?

Resolve Pay helps sellers offer flexible payment terms to approved business buyers while supporting credit decisions, invoice advancement, payment workflows, collections support, and receivables automation. This allows sellers to give buyers more time to pay while improving cash flow on approved invoices.

Is Resolve Pay a form of invoice factoring?

Resolve Pay is positioned as a modern alternative to traditional factoring. It supports non-recourse invoice advances on approved transactions and integrates with AR, payment, and buyer workflows, making it different from a standalone factoring process.

What payment terms can sellers offer with Resolve Pay?

Resolve Pay supports common B2B payment terms such as Net 30, Net 60, Net 90, and custom terms, subject to buyer verification and approval.

Does Resolve Pay integrate with ecommerce and accounting platforms?

Yes. Resolve Pay integrates with ecommerce, ERP, and accounting systems such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also supports flexible APIs for custom workflows.

Who is Resolve Pay best suited for?

Resolve Pay is best suited for B2B sellers, including manufacturers, wholesalers, distributors, and merchants, that want to offer flexible buyer payment terms while improving cash flow, reducing manual AR work, and managing credit risk more effectively.

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.