Choosing between Resolve Pay, Gaviti, and VersaPay starts with a simple question: are you trying to improve collections workflows, create a better buyer payment experience, or remove the cash flow gap that comes with selling on terms? These platforms sit in related parts of the B2B payments market, but they are built around different operational priorities. That distinction matters because the right fit depends less on feature overlap and more on how each system changes the day-to-day realities of credit, invoicing, collections, and payment timing.
For many suppliers, the pressure point is not just getting paid eventually. It is being able to offer terms confidently, approve buyers quickly, keep receivables organized, and avoid tying up working capital for weeks or months. That is where Resolve Pay stands apart. Its platform combines B2B net terms, credit decisioning, invoicing, collections support, and accounts receivable automation in one workflow. Gaviti is more focused on collections orchestration, while VersaPay centers its approach on collaborative receivables and buyer communication. If your team wants one platform that supports growth, cash flow, and receivables operations together, Resolve Pay is the strongest place to begin.
These three platforms occupy different positions in the B2B payments ecosystem, and understanding that distinction is the first step toward a useful comparison.
Resolve Pay is a B2B payments platform built for suppliers that want to offer net terms without taking on the full operational burden that usually comes with trade credit. It combines underwriting, invoice advancement on approved invoices, collections support, reconciliation workflows, and a branded payment experience. Resolve Pay also supports net terms management for businesses that need a more structured credit-to-cash process.
Gaviti focuses on collections automation. Its core use case is helping finance teams run structured follow-up workflows, prioritize overdue accounts, and manage invoice communications in one place. The platform is best understood as a collections-centered AR tool rather than a financing or net terms platform.
VersaPay is built around collaborative accounts receivable. Its portal-based model emphasizes communication between suppliers and buyers, with tools for invoice visibility, dispute handling, and payment interactions. Its scale claims around customer count and payment network activity have been highlighted in company coverage.
|
Feature |
Resolve Pay |
Gaviti |
VersaPay |
|---|---|---|---|
|
Core model |
Net terms + AR automation + payments |
Collections automation |
Collaborative AR portal |
|
Upfront payment on approved invoices |
Yes |
No |
No |
|
Credit decisioning |
Yes |
No |
No |
|
Credit risk support |
Non-recourse structure on approved invoices |
Software workflow focus |
Software workflow focus |
|
Dunning automation |
Yes, through reminders and collection workflows |
Yes, multi-step collections workflows |
Yes, reminder and portal-based workflows |
|
Payment portal |
Yes, branded portal with multiple payment methods |
Yes |
Yes |
|
Dispute handling |
Supports receivables workflows |
Centralized workflow management |
Strong buyer-supplier collaboration focus |
|
Cash application and reconciliation |
Included in platform workflows |
Supported through AR automation features |
Supported through AR collaboration tools |
|
ERP and accounting integrations |
QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento |
ERP-flexible approach |
Major ERP integrations |
|
Best fit |
Suppliers that want terms, faster cash flow, and AR automation in one platform |
Teams prioritizing collections efficiency |
Teams prioritizing buyer communication and dispute collaboration |
The biggest difference in this comparison is that Resolve Pay addresses both growth and operations at the same time. It is not just an AR dashboard. It is not just a payment portal. It is not just a collections workflow engine. Resolve Pay is designed to help suppliers extend terms, assess buyers, streamline receivables, and accelerate access to cash through a single embedded workflow.
That matters because B2B payment friction rarely comes from one issue alone. Suppliers often need to:
Resolve Pay addresses that full chain. The platform’s positioning as a factoring alternative is also important. Instead of forcing businesses into a separate, fragmented financing process, it connects underwriting, receivables operations, and payment workflows in one place.
Resolve Pay occupies a distinct category because it helps suppliers offer terms while still keeping working capital moving. That is the core reason many businesses compare it with traditional AR software in the first place.
A supplier connects its systems, configures its receivables workflows, and uses Resolve Pay to support buyer approvals and invoice management. When a buyer is approved, the supplier can offer net terms while Resolve Pay helps manage the downstream process across invoicing, collections, and payments. On approved invoices, Resolve Pay can advance payment and support a non-recourse structure based on the merchant program and buyer profile.
This model is especially useful for businesses that want to grow sales without turning their finance team into a manual credit department. Resolve Pay describes this approach across its net terms product, integrations, and seller workflows.
Resolve Pay is the strongest fit for:
Gaviti is best understood as a collections-focused tool for finance teams that want more structure around follow-ups and payment reminders.
Gaviti connects invoice data to automated workflows that help teams manage outreach, overdue accounts, and payment follow-up. Its emphasis is on improving collections discipline rather than financing receivables. The platform has also been described in third-party software directories as ERP-flexible, which can appeal to teams with non-standard environments or mixed systems, as shown in its GetApp profile.
Gaviti is often a fit for teams that already have their credit process, buyer terms policy, and cash flow strategy in place, but want stronger collections execution. In that sense, it overlaps more with one part of Resolve Pay than with the whole platform.
That is the key distinction: Resolve Pay supports the broader net terms lifecycle, while Gaviti is centered more narrowly on the collections side of AR.
VersaPay approaches AR from the collaboration angle. Its central idea is that payments move faster when buyers and suppliers share visibility into invoices, disputes, and payment status.
VersaPay uses a portal model that allows buyers to review invoices, communicate with suppliers, and manage disputes in a shared environment. That makes it particularly relevant for businesses where payment delays are often caused by invoice exceptions, back-and-forth communication, or fragmented billing conversations.
VersaPay is generally best suited to organizations that want to make receivables more interactive for buyers and centralize customer-facing AR communication. That is a different priority from Resolve Pay’s focus on embedded credit, terms, and cash flow support. Businesses evaluating both are usually deciding whether their biggest opportunity is collaboration around receivables or a more complete payment and working-capital infrastructure.
This is where the comparison becomes most practical.
Gaviti and VersaPay can improve how receivables are managed. Better reminders, cleaner workflows, and more transparent invoice communication can all help finance teams move payments along. Broader AR automation markets are also growing as businesses modernize receivables operations, a trend reflected in industry analysis.
Resolve Pay changes the equation more directly for suppliers that sell on terms. Rather than only improving follow-up after an invoice is issued, it helps businesses structure the transaction from the start: buyer approval, payment terms, invoice workflows, payment collection, and access to cash on approved invoices. That is a materially different outcome for companies managing inventory cycles, payroll pressure, and long buyer payment windows.
For suppliers that want to offer terms without letting receivables drag on cash flow, Resolve Pay is the most aligned option in this comparison.
Software fit is not just about feature lists. It is about how quickly a platform can plug into existing workflows and reduce manual work.
Resolve Pay’s integration story is one of its strongest advantages. Based on the Resolve Pay product and context materials, the platform connects with systems such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento. That gives businesses a path to unify credit, receivables, and payments instead of layering separate tools across the stack.
This is especially valuable for teams trying to improve:
If your priority is to streamline the full receivables process rather than add another standalone AR tool, Resolve Pay offers the most complete operational fit.
Resolve Pay is the right choice when your business needs more than a collections tool or a buyer portal.
Choose Resolve Pay when you want to:
For suppliers that want a practical way to grow B2B revenue while tightening receivables operations, Resolve Pay is the strongest overall fit in this comparison.
Resolve Pay, Gaviti, and VersaPay all sit within the broader AR and B2B payments landscape, but they are built around different priorities.
Gaviti is centered on collections execution. VersaPay is centered on collaborative receivables communication. Resolve Pay is built for suppliers that want to connect terms, underwriting, payments, and receivables operations in one platform.
That broader scope is why Resolve Pay stands out. It supports the workflows that actually shape B2B growth: extending terms, approving buyers, accelerating payment access on approved invoices, reducing manual AR work, and improving the customer payment experience without splitting those jobs across multiple systems.
If your goal is simply to organize collections, there are tools for that. If your goal is to modernize buyer communication, there are tools for that too. But if your goal is to offer terms confidently, improve cash flow, and run a cleaner credit-to-cash process from one platform, Resolve Pay is the best choice here.
Resolve Pay combines net terms, credit workflows, payments, and receivables automation in one platform. Gaviti is more focused on collections workflows, while VersaPay is more focused on collaborative AR and buyer-supplier communication.
Yes. Resolve Pay offers business credit check capabilities and credit workflow support so suppliers can make faster decisions about extending terms to buyers.
Yes. Resolve Pay’s accounts receivable platform is designed to support invoicing, reminders, reconciliation, collections workflows, and payment operations across different invoice structures.
For many suppliers, yes. Resolve Pay is positioned as a modern alternative to factoring because it combines terms enablement, receivables workflows, and non-recourse support on approved invoices within a single platform.
Resolve Pay is especially well suited to B2B suppliers, manufacturers, wholesalers, distributors, and merchants that want to offer flexible terms, improve cash flow, and reduce manual receivables work through a connected payment infrastructure.
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.