Jul 02, 2026
B2B companies need to manage net terms, automate accounts receivable, and improve cash flow without creating operational bottlenecks or expanding credit risk exposure. Resolve Pay, HighRadius, and Behalf represent different approaches to B2B payments and financing. HighRadius operates as an enterprise accounts receivable automation platform for large finance teams. Behalf was acquired by Enova International and is not commonly evaluated as an independent current B2B payments platform. Resolve Pay delivers embedded net terms, credit decisioning, invoice advancement, payment workflows, and AR automation for B2B suppliers that want to extend payment terms while protecting cash flow.
That distinction matters because payment flexibility and receivables performance directly affect growth. The Small Business Credit Survey tracks credit access challenges across US small businesses, while Federal Reserve payments research shows how business payment activity continues evolving across noncash channels. For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, the practical question is which platform helps them offer terms, reduce manual AR work, manage buyer risk, and get paid faster.
Key Takeaways
- Resolve Pay combines net terms and AR automation: Resolve Pay connects credit decisions, invoice advancement, collections workflows, payment processing, and reconciliation in one platform.
- Resolve Pay helps sellers protect cash flow: Approved invoices can qualify for advance payment, helping suppliers offer terms without waiting through the full buyer repayment period.
- Resolve Pay supports non-recourse structures: Cash advances on approved invoices are non-recourse, so sellers can reduce exposure to approved buyer nonpayment.
- HighRadius focuses on enterprise AR operations: HighRadius is designed for large organizations that need advanced invoice-to-cash automation across credit, collections, cash application, deductions, and analytics.
- Behalf is not a current standalone option: Behalf previously served buyer-side B2B financing use cases, but businesses evaluating payment platforms today should focus on currently available alternatives.
- Resolve Pay is built for seller-side growth: Resolve Pay is a strong fit for B2B suppliers that want to offer flexible payment terms, improve receivables workflows, and preserve customer relationships through embedded payment experiences.
Why businesses compare HighRadius and Behalf alternatives
Businesses compare HighRadius and Behalf alternatives when supplier cash flow, buyer payment flexibility, or receivables efficiency becomes a limiting factor. For seller-led businesses, the challenge is straightforward: they want to offer net terms to win larger orders and build stronger buyer relationships, but they cannot afford to wait through long collection cycles or manage every reminder manually.
Modern B2B payment platforms change the operating model by connecting credit checks, invoice follow-up, payment processing, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help sellers manage the credit-to-cash process from a more unified system.
For businesses previously evaluating Behalf, the question now involves finding currently available alternatives for B2B payment flexibility. For businesses evaluating HighRadius, the focus typically centers on enterprise-scale receivables automation. The right decision starts with understanding which workflow, implementation model, and cash flow strategy best match the business need.
Understanding each platform’s market position
Resolve Pay
Resolve Pay positions itself as a modern B2B payments and net terms platform for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce sellers. Resolve Pay combines embedded credit expertise, invoice advancement, payment workflows, and accounts receivable automation into one operating model.
The platform supports buyer credit decisions, invoice advancement, collections workflows, branded payment portals, and reconciliation tools. For US-based sellers, Resolve Pay’s focus is practical: offer terms, accelerate cash flow, reduce risk on approved invoices, and simplify AR operations across ecommerce, ERP, and accounting systems.
Resolve Pay is especially relevant for companies that sell to business buyers on invoice terms and want a more scalable way to handle the full credit-to-cash process. Instead of managing buyer underwriting, invoice reminders, payment tracking, and reconciliation across separate tools, sellers can centralize these workflows in a platform built around B2B payment terms.
HighRadius
HighRadius takes a different approach as an enterprise invoice-to-cash and accounts receivable automation platform. It supports large organizations with modules across credit management, collections, cash application, deductions management, electronic invoicing, payments, and analytics.
HighRadius is generally evaluated by companies with established finance departments, large transaction volumes, and complex enterprise receivables workflows. Its value is tied to automating and optimizing existing AR operations across large teams and systems.
This makes HighRadius relevant for organizations that need enterprise AR process automation. Resolve Pay is more focused on seller-side net terms, invoice advancement, embedded payment experiences, and cash flow support for B2B suppliers that want payment flexibility without expanding internal credit and collections work.
Behalf
Behalf previously operated as a buyer-side B2B financing platform, offering purchase financing and virtual card capabilities for business buyers. Its model was focused on helping buyers finance purchases rather than giving suppliers a complete seller-side AR automation and net terms platform.
After its acquisition by Enova International, Behalf is not commonly considered a standalone current option for businesses evaluating B2B payment platforms. Companies that previously looked at Behalf now need to assess currently available solutions based on whether they need buyer financing, seller-side net terms, AR automation, or a combination of these workflows.
The fundamental difference is clear: Resolve Pay combines seller-side net terms, invoice advancement, payment workflows, and AR automation; HighRadius provides enterprise AR automation for large organizations; and Behalf is not a current independent platform for new evaluations.
1. Resolve Pay for integrated B2B payments and financing
Integrations: QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API support
Best for: US B2B businesses with established revenue seeking integrated net terms, payment workflows, and AR automation
Resolve Pay is built for suppliers that want to extend net terms, manage buyer credit risk through non-recourse structures, and receive advance payment on approved invoices. The platform consolidates multiple workflows into one operating model, enabling sellers to use Resolve Pay for buyer credit approvals, invoice advancement, payment workflows, collections support, and accounting reconciliation.
Resolve Pay’s agentic collections platform supports automated AR recovery through AI-powered workflows. The system can build outreach sequences, coordinate reminders, respond to payment status changes, and help finance teams manage follow-up more consistently. This helps sellers reduce manual collections work while maintaining a professional buyer experience.
The platform also occupies a different risk position compared with traditional receivables management. Resolve Pay provides non-recourse financing on approved invoices and can advance payment on eligible invoices. Combined with ERP and ecommerce integrations, business credit checks, and positioning as a factoring alternative, Resolve Pay provides strong depth for supplier cash flow management.
Key features
- AI-powered buyer credit decisioning using business data, payment signals, and underwriting workflows
- Non-recourse financing on approved invoices, helping sellers extend terms with reduced balance sheet exposure
- Advance payment on approved invoices, helping sellers preserve cash flow while buyers receive time to pay
- Collections automation across reminders, follow-up workflows, and escalation paths
- AR dashboards for payment tracking, receivables visibility, and portfolio monitoring
- Bidirectional ERP and accounting integrations for automated sync and reconciliation
- Native ecommerce integrations with BigCommerce, Shopify, Magento 2, and WooCommerce
- Branded B2B payment portals that support ACH, wire transfer, credit card, or check
- Quiet pre-approval checks that can assess buyers with limited required information
- Automated reconciliation tools that help finance teams reduce manual invoice-to-cash work
Strengths
- Helps US B2B sellers offer competitive payment terms while maintaining healthier cash flow through structured advance payment on approved invoices
- Connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one integrated workflow
- Supports collaboration across sales, finance, ecommerce, and operations teams with shared data and workflows
- Enables sellers to offer flexible payment terms without building a larger in-house credit and collections operation
- Supports ecommerce deployments through native integrations and embedded checkout workflows
- Preserves merchant branding through white-label payment experiences
- Supports both online and offline sales motions, including ecommerce checkout, invoice-based sales, and traditional sales-led transactions
Best fit
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in US markets that want to win larger orders through ecommerce net terms while maintaining healthy cash flow. The platform is especially relevant when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
Resolve Pay also fits companies that want to replace fragmented tools with a more complete B2B payments workflow. A seller can use Resolve Pay to evaluate buyer credit, offer payment terms, receive advance payment on approved invoices, automate collections, and sync transactions back into accounting systems.
2. HighRadius
HighRadius is built for enterprise-scale organizations requiring comprehensive AR automation capabilities. Its platform supports invoice-to-cash workflows across credit, collections, cash application, deductions, electronic invoicing, payments, and analytics.
For large organizations, HighRadius can help standardize receivables workflows across teams, business units, and global systems. Its focus is enterprise process automation rather than seller-side net terms financing. This makes HighRadius more relevant for companies with established AR departments that want to improve receivables execution across a large operating environment.
Key features
- Credit management workflows for enterprise finance teams
- Collections automation for large customer portfolios
- Cash application automation for matching payments to open invoices
- Deductions and dispute management workflows
- Electronic invoice presentment and payment capabilities
- AR analytics and reporting for finance visibility
- ERP and enterprise system integration capabilities
- Workflow automation for large invoice-to-cash teams
HighRadius serves companies with different needs than mid-market suppliers seeking embedded net terms and working capital support. Its platform is strongest when a business needs enterprise AR process automation across complex receivables operations.
3. Behalf
Behalf previously operated as a buyer-side B2B financing platform. Its model focused on helping business buyers finance purchases, including use cases involving virtual card payments and purchase financing.
That model differed from seller-side receivables automation. Behalf was not primarily positioned as an AR automation platform for suppliers. It focused more on buyer financing than on helping sellers manage credit decisioning, invoice advancement, collections, and reconciliation in one system.
After its acquisition by Enova International, Behalf is not generally evaluated as a current standalone B2B payments option. Businesses seeking buyer financing or seller payment solutions should assess currently available platforms based on their specific workflow requirements.
Why Resolve Pay delivers strong value for US B2B businesses
US-based B2B businesses with established revenue face specific challenges that make Resolve Pay’s approach particularly relevant. Many do not need a global enterprise receivables system spanning many countries and business units. They need practical cash flow support, manageable risk structures, and integration paths that fit existing ecommerce, ERP, and accounting systems.
Resolve Pay’s integrated approach addresses multiple operational needs at once. The platform provides structured support against approved buyer default risk through non-recourse financing on approved invoices. This helps sellers extend credit with greater confidence while keeping customer relationships intact.
Advance payment on approved invoices helps sellers offer net terms without waiting through the full buyer repayment period. That changes the traditional trade-off between growing sales and maintaining cash flow. Sellers can give buyers more payment flexibility while keeping working capital available for inventory, payroll, supplier payments, and growth initiatives.
The platform also reduces the complexity of managing disconnected tools. Credit decisions, invoice advancement, payment processing, collections, and accounting sync can work from a coordinated system. AI-powered automation for invoicing, reminders, collections, and reconciliation helps reduce the manual workload that often burdens finance teams managing receivables.
This matters as digital commerce continues to shape B2B selling. The US Census Bureau tracks ecommerce activity across the economy, while the CFPB provides small business lending data that highlights the importance of transparent business credit access. For suppliers, flexible payment options are no longer just a finance function. They can influence buyer conversion, order size, repeat purchasing, and customer retention.
Resolve Pay integrates through:
- Native ecommerce apps
- API connections
- Accounting integrations
- Manual invoice upload
The platform connects with major systems, including:
- QuickBooks Online
- Oracle NetSuite
- Xero
- Sage Intacct
Resolve Pay also supports ecommerce workflows across:
- BigCommerce
- Shopify
- Magento 2
- WooCommerce
Resolve Pay also preserves customer relationships through white-label deployment. Buyers can interact with a branded payment portal while the seller keeps the relationship front and center. This is important for B2B suppliers that rely on repeat orders, negotiated terms, and long-term customer trust.
Conclusion
The practical decision centers on matching each platform’s core strengths to the workflow challenges that matter most for the business. HighRadius serves large organizations that need enterprise-scale AR automation across complex invoice-to-cash operations. Behalf previously served buyer-side financing use cases but is not a current standalone platform for new evaluations.
For seller-side net terms, faster cash conversion, structured risk management on approved invoices, and integrated AR automation, Resolve Pay offers a focused B2B payments platform built for suppliers. It connects buyer approvals, seller payment advances, collections workflows, payment processing, and accounting reconciliation in one unified system.
Businesses ready to use net terms as a competitive advantage should explore Resolve Pay’s seller workflows and evaluate how its credit, invoice advancement, payment, collections, and integration capabilities fit their current finance and commerce technology stack.
Frequently Asked Questions
What is the main difference between Resolve Pay, HighRadius, and Behalf?
Resolve Pay combines net terms, invoice advancement, payment workflows, and AR automation for B2B sellers. HighRadius focuses on enterprise invoice-to-cash automation for large finance teams. Behalf previously focused on buyer-side B2B financing and is not commonly evaluated as a current standalone platform.
How does Resolve Pay help sellers offer net terms?
Resolve Pay helps sellers evaluate buyer credit, offer approved buyers flexible payment terms, receive advance payment on eligible invoices, and automate collections workflows. This lets sellers offer terms without managing the entire credit and collections process internally.
Can Resolve Pay integrate with existing ERP or accounting systems?
Yes. Resolve Pay supports integrations with major ERP, accounting, and ecommerce systems, including QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, BigCommerce, Shopify, Magento 2, and WooCommerce. It also supports API-based workflows for custom setups.
What kind of businesses are best suited for Resolve Pay?
Resolve Pay is best suited for B2B manufacturers, distributors, wholesalers, suppliers, and ecommerce sellers that invoice business buyers and want to offer flexible payment terms while improving cash flow and reducing manual receivables work.
Is Resolve Pay a factoring alternative?
Yes. Resolve Pay is positioned as a modern alternative to traditional factoring because it combines net terms, non-recourse advance payment on approved invoices, credit decisioning, collections workflows, and payment reconciliation in one seller-focused platform.
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.
