When B2B companies evaluate solutions for net terms financing and accounts receivable automation, the choice between platforms can significantly affect cash flow, operational efficiency, and growth trajectory. Resolve Pay combines B2B payments, credit underwriting, invoice advancement, payment workflows, and accounts receivable automation into a unified platform designed for suppliers that want to offer flexible terms without turning receivables into a cash flow bottleneck.
The Small Business Credit Survey from the Federal Reserve System tracks how businesses access credit and manage cash flow challenges, while Federal Reserve payments research shows how payment methods continue evolving across the economy. For suppliers, the practical question is which platform helps extend payment terms to buyers while maintaining healthier cash flow, reducing manual receivables work, and supporting long-term customer relationships.
Businesses compare B2B payment platforms when supplier cash flow, buyer payment flexibility, or operational efficiency becomes a limiting factor. The pressure point is often clear: suppliers want to offer net terms to win larger orders and build stronger buyer relationships, but they cannot afford to wait through extended collection cycles or manage every payment reminder manually.
Modern payment platforms change the operating model by connecting credit checks, invoicing, payment acceptance, follow-up, collections, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help sellers manage the complete credit-to-cash process from a more unified system.
This matters because B2B payments are not only about moving money. They also shape customer experience, credit policy, working capital, sales conversion, and finance team workload. The CFPB small business lending data resources highlight why transparent credit access remains important for business financial health, while the Federal Reserve Bank of Boston has discussed how payment speed, payment costs, and payment management remain common business challenges.
For suppliers, the strongest fit usually depends on four questions:
Resolve Pay is designed around those supplier-side questions, especially for B2B companies that need both payment flexibility and receivables control.
Each platform occupies a distinct position in the B2B payments ecosystem based on target market, geographic focus, and operating model.
Resolve Pay operates as a B2B payments and net terms platform for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce companies. The platform helps sellers offer flexible terms, underwrite buyers, advance payment on approved invoices, automate accounts receivable workflows, and manage collections support through a more integrated process.
Resolve Pay emerged from Affirm's venture studio and was built by teams with experience across ecommerce, payments, credit, and financial technology. Its platform is positioned as a modern credit-to-cash solution for suppliers that want to grow sales, reduce receivables friction, and get paid faster without managing every credit and collections process in-house.
HighRadius positions itself as an enterprise finance automation platform for the Office of the CFO. Its company materials describe a platform with AI agents across Order-to-Cash, close and reconciliation, consolidation and reporting, accounts payable, B2B payments, and treasury. HighRadius states that it serves more than 1,300 enterprises and mid-sized organizations, with large enterprise customers using the platform for global finance operations.
For this comparison, HighRadius is most relevant as an enterprise Order-to-Cash and receivables automation platform. It is typically evaluated by organizations with complex finance operations, multiple systems, large AR teams, and enterprise-scale transformation goals.
Hokodo was a UK-based B2B Buy Now Pay Later provider incorporated in 2018 that served European markets. Industry reports in 2026 stated that Hokodo had shut down after eight years, after raising significant funding and financing a large volume of invoices across multiple countries.
The company had focused on embedded trade credit and B2B BNPL for European buyers and merchants. Following its reported shutdown, businesses that previously evaluated Hokodo have had to consider active alternatives for embedded trade credit, net terms, and B2B payment flexibility.
Integrations: QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento 2, and API support
Best for: B2B suppliers, distributors, manufacturers, wholesalers, and ecommerce companies that want integrated net terms, payment workflows, and AR automation
Resolve Pay is built for suppliers that want to extend net terms, manage buyer credit risk, and receive advance payment on approved invoices. The platform consolidates multiple workflows into one operating model, allowing sellers to use Resolve Pay for buyer credit approvals, payment workflows, collections support, invoice advancement, branded buyer payment experiences, and accounting reconciliation.
That makes Resolve Pay especially relevant for companies where sales and finance teams need to work together. Sales teams want payment flexibility to help close larger orders, while finance teams need predictable cash flow, clear credit controls, and less manual follow-up. Resolve Pay brings those priorities into one workflow.
Resolve Pay delivers capabilities across the B2B payment and financing lifecycle:
Resolve Pay's integrated approach addresses multiple pain points simultaneously for B2B suppliers:
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in North American markets that want to win larger orders through flexible payment terms while maintaining healthier cash flow.
The platform is especially strong when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
Resolve Pay is a practical fit for B2B companies with established revenue that need more sophisticated payment solutions than basic invoicing tools, but do not want the complexity of a large enterprise finance transformation project.
HighRadius provides finance automation software designed for enterprise and mid-sized organizations with large-scale finance operations. Its platform covers areas such as Order-to-Cash, close and reconciliation, consolidation and reporting, accounts payable, B2B payments, and treasury.
In the receivables context, HighRadius is commonly associated with credit management, electronic billing and payment processing, collections, deductions, cash application, and cash forecasting. These capabilities are relevant for large organizations managing high invoice volumes, multiple entities, global finance teams, and complex ERP environments.
HighRadius can be a fit for companies that need broad enterprise finance automation across several CFO-led functions. Its implementation model is generally more aligned with larger organizations that have dedicated finance transformation teams, IT support, and formal change management processes.
For suppliers comparing it with Resolve Pay, the distinction is mainly about use cases. HighRadius is oriented toward enterprise finance automation. Resolve Pay is focused on helping B2B sellers offer net terms, advance payment on approved invoices, reduce credit risk exposure, and automate AR workflows through one supplier-friendly platform.
Hokodo was a B2B Buy Now Pay Later provider headquartered in the United Kingdom. The company was incorporated in 2018 and built its platform around embedded trade credit infrastructure for European B2B buyers and sellers.
During its operations, Hokodo served European markets and supported embedded payment terms for B2B commerce. Industry reports in 2026 stated that Hokodo had shut down after eight years of operations, after financing a large volume of invoices and serving buyers across multiple countries.
For businesses that had evaluated Hokodo, the practical question is now continuity. Sellers still need ways to offer payment terms, support buyer purchasing flexibility, manage credit risk, and keep receivables moving. Resolve Pay addresses those needs for businesses focused on North American B2B commerce, especially where ecommerce, ERP, accounting, and AR workflows need to work together.
US-based B2B businesses with established revenue face specific challenges that make Resolve Pay's approach particularly relevant. These companies often need practical cash flow solutions, manageable risk structures, and implementation paths that fit existing ecommerce, ERP, and accounting systems.
Resolve Pay's integrated approach addresses multiple pain points at once.
Resolve Pay combines credit underwriting, invoice advancement, payment workflows, branded buyer payment experiences, collections support, and AR automation. This reduces the need to manage disconnected factoring relationships, credit review processes, payment tools, and standalone receivables software.
A unified platform can also improve internal alignment. Sales teams can offer payment terms with more confidence, finance teams can view receivables activity more clearly, and operations teams can reduce the manual handoffs that often slow down payment workflows.
Resolve Pay helps suppliers offer net terms without waiting through the full customer payment cycle. Sellers can receive advance payment on approved invoices while buyers retain flexible payment terms. This structure helps suppliers protect working capital, fund inventory, support payroll, and keep growth initiatives moving.
The non-recourse structure is also important. On approved invoices, Resolve Pay helps reduce seller exposure to buyer default risk, allowing merchants to extend terms without handling the same level of credit risk internally.
Many B2B suppliers do not have the time or technical resources for lengthy finance transformation projects. Resolve Pay is designed to connect with common ecommerce, ERP, and accounting platforms, making it easier to embed net terms and AR workflows into existing systems.
The platform supports checkout-based applications, invoice-based workflows, and back-office sync, giving sellers flexibility across online, offline, sales-led, and hybrid B2B transactions.
Resolve Pay fits B2B companies that need more than basic invoicing but do not want enterprise software overhead. It is relevant for suppliers that are growing order volume, extending credit to more buyers, expanding ecommerce channels, or trying to reduce receivables workload without adding headcount.
The platform can support manufacturers, wholesalers, distributors, and B2B ecommerce sellers that need a practical way to offer terms while keeping control over cash flow.
AI-powered collections and receivables automation help reduce manual reminders, follow-up tasks, payment tracking, and reconciliation work. For finance teams managing many invoices across different buyers and payment methods, this can make AR operations more scalable.
Resolve Pay also supports a branded payment portal, giving buyers multiple ways to pay while keeping the seller's customer experience consistent.
Resolve Pay is built around the needs of North American B2B sellers. That matters for suppliers that want payment workflows aligned with common US buyer expectations, domestic accounting systems, ecommerce tools, and ERP integrations.
The US Census Bureau tracks ecommerce activity across the economy, showing why digital transaction infrastructure matters for modern sellers. Resolve Pay helps B2B companies bring net terms, financing, payments, and receivables workflows into that digital buying environment.
Resolve Pay is the strongest fit in this comparison for B2B suppliers that want to offer net terms while protecting cash flow and reducing receivables complexity. HighRadius is more focused on enterprise finance automation, while Hokodo is no longer operating as an active B2B BNPL option based on 2026 industry reports.
For manufacturers, distributors, wholesalers, and B2B ecommerce companies, Resolve Pay provides the most practical combination of flexible terms, credit underwriting, invoice advancement, branded payment workflows, collections support, and AR automation. It helps sellers say yes to more qualified buyers, support larger orders, and get paid faster without building a larger internal credit and collections team.
If the priority is modernizing B2B payments without turning the project into a full enterprise transformation, Resolve Pay offers a focused and supplier-friendly path forward.
Resolve Pay provides a modern alternative to traditional factoring by combining invoice advancement with credit underwriting, payment workflows, collections support, and AR automation. Sellers can offer approved buyers payment terms while receiving advance payment, helping preserve cash flow and customer relationships.
Yes. Resolve Pay supports integrations with major ecommerce, ERP, and accounting platforms, including Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Oracle NetSuite, Xero, and Sage Intacct. API support is also available for custom workflows.
Resolve Pay supports automated receivables workflows, including reminders, follow-up, payment tracking, and collections support. Its agentic collections capabilities help finance teams reduce repetitive manual work while keeping visibility into buyer payment activity.
Resolve Pay is best for B2B suppliers, distributors, manufacturers, wholesalers, and ecommerce sellers that want to offer net terms, improve cash flow, reduce credit risk exposure, and automate accounts receivable workflows through one connected platform.
Resolve Pay can be a strong fit for companies focused on North American B2B commerce that need embedded net terms, buyer credit checks, invoice advancement, and AR automation. Businesses serving European markets should evaluate regional requirements alongside their payment and credit needs.
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.