When B2B companies need to optimize cash flow and streamline accounts receivable, choosing the right payment platform becomes a critical business decision. Resolve Pay, HighRadius, and Kriya represent different approaches to B2B payments and AR management. HighRadius serves enterprise finance teams with autonomous finance and order-to-cash automation software, while Kriya focuses on UK business payments, invoice finance, and embedded PayLater through Allica Bank. Resolve Pay combines net terms, non-recourse invoice advances, credit decisioning, payment workflows, collections, and AR automation for B2B suppliers that want to offer flexible buyer terms while getting paid faster on approved invoices.
B2B suppliers compare HighRadius and Kriya alternatives when cash flow pressure, credit risk exposure, or manual AR workload starts limiting growth. The challenge is clear: businesses want to offer competitive net terms to win larger orders and build stronger buyer relationships, but they also need to protect working capital instead of waiting 30, 60, or 90 days for payment.
Modern B2B payment platforms change the operating model by connecting credit decisions, invoice advancement, payment processing, collections, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help suppliers manage the full credit-to-cash process from one workflow.
For businesses evaluating HighRadius, the focus typically centers on enterprise-scale requirements, complex AR workflows, global operations, and IT-supported deployments. For businesses evaluating Kriya, the question often involves UK or European market operations, invoice finance, and embedded PayLater. For businesses evaluating Resolve Pay, the priority is usually faster seller payment, flexible buyer terms, embedded credit workflows, and AR automation without adding enterprise complexity.
Small business payments research highlights how payment speed, cash flow, and access to modern payment tools remain important operating issues for smaller businesses. For B2B suppliers, these issues often become more visible when customer orders grow but receivables remain slow to collect.
Resolve Pay positions itself as a B2B payments and net terms platform that helps suppliers grow B2B sales, get paid faster, and reduce credit risk. Built by the team that spun out the B2B version of Affirm, Resolve Pay supports sellers that want to offer net terms while improving cash flow and automating accounts receivable workflows.
The platform brings together embedded credit expertise, invoice advances, payment acceptance, collections workflows, branded payment portals, and accounting reconciliation. Resolve Pay supports sellers that want to offer Net 30, Net 60, Net 90, or custom terms to qualified buyers while receiving faster payment on approved invoices.
Resolve Pay is especially relevant for B2B suppliers, manufacturers, distributors, wholesalers, and ecommerce businesses that want one system for:
The platform also supports a branded buyer experience, so sellers can offer flexible payment options without handing the customer relationship to a traditional factoring provider.
HighRadius operates as an enterprise finance automation platform for the office of the CFO. Its product suite includes order-to-cash, treasury, record-to-report, AP automation, payment gateway capabilities, cash application, deductions, collections, credit management, e-invoicing, and financial close automation.
HighRadius is commonly evaluated by large enterprises and finance teams that manage complex global operations, multiple systems, large transaction volumes, and advanced automation needs. Its current positioning emphasizes AI agents, finance workflow orchestration, and enterprise-scale automation across multiple finance functions.
For B2B companies with extensive enterprise requirements, HighRadius can support broad finance operations. For mid-market suppliers primarily focused on embedded net terms, invoice advances, and supplier-side cash flow acceleration, Resolve Pay is more directly aligned with the credit-to-cash workflow.
Kriya serves UK business payments and finance needs through invoice finance, SME lending, and embedded PayLater products. The company was acquired by Allica Bank, which positions Kriya as part of its broader effort to support established SMEs with working capital and embedded finance.
Kriya is relevant for businesses operating in the UK or regional European markets that need invoice finance, working capital options, or PayLater at checkout. Its model is tied to regional banking infrastructure and UK-focused SME finance.
For US B2B suppliers that want integrated net terms, non-recourse invoice advances, AR automation, and ecommerce or accounting integrations in one system, Resolve Pay offers a more focused supplier-side platform.
Integrations: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Shopify, BigCommerce, Magento 2, WooCommerce, REST API, and webhooks
Best for: B2B suppliers with established revenue that want integrated net terms, faster payment on approved invoices, credit risk support, and AR automation
Resolve Pay is the strongest fit in this comparison when the business priority is accelerating cash conversion while offering flexible buyer payment terms. The platform combines net terms financing with AR automation, helping suppliers offer buyer-friendly terms while reducing the cash flow strain associated with receivables.
Resolve Pay's non-recourse structure changes how suppliers manage payment risk. On approved transactions, Resolve Pay manages underwriting, repayment risk, collections, and receivables workflows. This allows sellers to offer qualified buyers more time to pay while preserving cash flow and reducing the manual burden of credit management.
The platform also consolidates several workflows into one operating model. Sellers can use Resolve Pay for buyer credit approvals, accounts receivable automation, payment processing, collections support, invoice advancement, and accounting reconciliation. This matters for finance teams that want to reduce manual follow-up, payment matching, and repetitive close work.
Resolve Pay is best for B2B suppliers, manufacturers, distributors, wholesalers, and B2B ecommerce businesses that want to offer flexible payment terms while keeping cash flow healthy. The platform is especially useful when finance, sales, and operations teams need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
Companies that sell through ecommerce storefronts, field sales, marketplaces, or traditional invoicing workflows can use Resolve Pay to embed terms into the buyer journey. Its customer stories show how suppliers across industries use net terms and faster payment workflows to support larger orders, stronger buyer relationships, and more consistent receivables management.
HighRadius is built for enterprise-scale organizations requiring finance automation across complex global operations. The platform supports large finance teams with order-to-cash, treasury, record-to-report, AP, and payment automation capabilities.
HighRadius serves organizations with significant transaction volumes, global operating models, and dedicated finance transformation teams. It is a strong fit for companies that need broad enterprise finance automation across multiple functions.
For suppliers whose main priority is embedded buyer terms, faster seller payment, and non-recourse invoice advances, Resolve Pay provides a more focused model around B2B payments, credit, and receivables.
Kriya is headquartered in the UK and serves businesses through invoice finance, SME lending, and embedded PayLater capabilities. Now owned by Allica Bank, Kriya supports businesses that need regional finance options and working capital tools tied to the UK market.
Kriya serves companies with UK or European market requirements and businesses that want invoice finance or embedded PayLater options connected to regional banking support. For US-centered B2B suppliers that need integrated net terms, credit decisions, invoice advances, AR automation, and accounting integrations, Resolve Pay is the better-aligned option.
B2B suppliers often do not need enterprise infrastructure spanning multiple countries and multi-function finance transformation. They need a practical platform that helps them approve qualified buyers, offer flexible terms, get paid faster, and reduce manual receivables work.
Resolve Pay addresses these needs by connecting embedded credit, invoice advances, payment acceptance, collections, and reconciliation. Instead of using separate tools for credit checks, invoicing, payment reminders, and financing, suppliers can manage the full workflow through one platform.
This matters because B2B buyers often expect flexible payment options. At the same time, suppliers need predictable cash flow to fund inventory, payroll, operations, and growth. Resolve Pay helps bridge that gap by allowing qualified buyers to pay later while sellers receive faster payment on approved invoices.
For B2B ecommerce businesses, Resolve Pay's checkout integrations can embed net terms into the purchase experience. Buyers can apply during checkout, and approved customers can complete purchases using terms that match their cash flow needs. This creates a smoother buying process without forcing sellers to manually underwrite every buyer or chase every payment.
Small business credit access remains a persistent concern for growing companies, especially when working capital needs increase. Resolve Pay helps suppliers turn payment terms into a structured growth tool rather than a cash flow burden.
The right choice depends on the workflow a business needs to improve. HighRadius is built for enterprise finance teams that need broad automation across complex order-to-cash and CFO workflows. Kriya supports UK businesses with invoice finance, SME lending, and embedded PayLater connected to regional banking infrastructure.
Resolve Pay is the most aligned choice for B2B suppliers that want to offer buyer-friendly terms while improving cash flow and reducing manual AR work. It brings together credit decisions, non-recourse invoice advances, payment acceptance, collections workflows, and reconciliation in one platform designed for supplier-side growth.
For B2B companies ready to turn net terms into a revenue and cash flow advantage, Resolve Pay offers a focused way to help buyers purchase more easily while giving sellers faster access to funds on approved invoices.
Resolve Pay combines net terms, non-recourse invoice advances, credit decisioning, payment workflows, collections, and AR automation in one platform. HighRadius focuses on enterprise finance automation, while Kriya focuses on UK invoice finance and embedded PayLater.
Yes. Resolve Pay helps suppliers offer Net 30, Net 60, Net 90, or custom terms to qualified buyers. It also supports faster payment on approved invoices, so sellers can offer terms without carrying the full cash flow burden.
Resolve Pay uses underwriting and credit decisioning to evaluate buyers before terms are approved. On approved non-recourse transactions, Resolve Pay assumes repayment risk and manages collections workflows, helping sellers reduce exposure to buyer nonpayment.
Resolve Pay integrates with ecommerce, ERP, and accounting systems such as QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. It also supports API and webhook-based custom integrations.
Resolve Pay is best for B2B suppliers, manufacturers, distributors, wholesalers, and ecommerce sellers with established B2B revenue. It fits businesses that want embedded net terms, faster payment on approved invoices, reduced credit risk, and automated AR workflows.
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.