B2B companies seeking to streamline accounts receivable, offer flexible payment terms, and improve cash flow face an important platform decision. Resolve Pay, HighRadius, and Two represent distinct approaches to these challenges. Resolve Pay combines net terms financing with AR automation and non-recourse risk transfer, HighRadius offers enterprise-grade AR software with AI-powered automation, and Two provides B2B net terms and deferred payment infrastructure. For mid-market manufacturers, distributors, and wholesalers seeking both faster cash flow and operational efficiency, understanding these differences matters.
The Small Business Credit Survey tracks business performance and financing conditions across US small businesses, while Federal Reserve payments research shows how business payment activity continues to evolve. For suppliers, the practical question centers on which platform helps offer terms, receive payment faster, manage buyer risk, and reduce receivables work.
The B2B payments landscape has evolved significantly, with businesses demanding more than basic invoicing tools. Modern B2B payment solutions must address three connected challenges: extending competitive payment terms to buyers, maintaining healthy cash flow for sellers, and automating the accounts receivable process.
B2B commerce increasingly requires flexible payment options to remain competitive. Offering Net 30, Net 60, or Net 90 terms can help close deals and build customer loyalty, but it creates a fundamental tension: sellers need cash now, while buyers prefer to pay later.
Resolve Pay solves this through embedded B2B net terms and AR automation. The platform helps underwrite buyer credit, extend payment terms, automate invoicing, and provide advance payment on approved invoices. This can help transform delayed receivables into faster seller cash flow while keeping buyer payment flexibility intact.
HighRadius approaches the market through enterprise finance automation. Its accounts receivable platform supports collections, cash application, deductions, credit, electronic invoicing and payments, B2B payments, analytics, and forecasting for large and mid-market finance teams.
Two positions itself in B2B payment infrastructure, helping merchants offer instant net terms across online, direct, and in-store sales flows. It emphasizes credit and fraud engines, buyer onboarding, and embedded checkout experiences for businesses operating in European and expanding global markets.
Leading B2B payment solutions often support several important capabilities:
Resolve Pay brings these capabilities together through a unified seller-side platform. Its branded payment portal supports ACH, wire transfer, credit card, and check payments while helping sellers maintain a consistent customer experience. Its integrations support ecommerce, ERP, and accounting workflows across platforms such as QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API-based systems.
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 CFPB lending data highlights why transparent business credit access remains important for financial health.
Resolve Pay consolidates multiple workflows into one operating model. Sellers can use Resolve Pay for buyer credit approvals, payment workflows, collections support, invoice advancement, and accounting reconciliation. This matters for finance teams that want to reduce manual invoice follow-up, payment matching, and repetitive month-end close work.
Resolve Pay also occupies a different risk position compared to traditional receivables management. The platform provides non-recourse financing on approved invoices and can advance payment on approved invoice value within a short funding window. Combined with ERP and ecommerce integrations, business credit checks, and positioning as a modern alternative to factoring, Resolve Pay provides strong depth for supplier cash flow management.
Resolve Pay helps US B2B sellers offer competitive payment terms while maintaining healthier cash flow through structured advance payment on approved invoices. The platform connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one integrated workflow.
The solution supports collaboration across sales, finance, ecommerce, and operations teams with unified data and workflows. Sellers can use flexible payment terms as a growth lever without expanding in-house credit and collections operations.
Resolve Pay enables faster implementation for ecommerce platforms and more structured integration paths for ERP, accounting, and API-based workflows. Most teams can launch quickly, with ecommerce integrations designed for efficient activation.
Resolve Pay's AR automation helps reduce repetitive receivables work by automating credit checks, invoices, reminders, payment workflows, reconciliation, and collections processes. This efficiency allows finance teams to focus more time on cash strategy, customer relationships, and growth support.
Resolve Pay also shows vertical relevance through customer stories across industrial, distribution, wholesale, ecommerce, materials, and specialty manufacturing use cases. These examples show how sellers can use net terms as a sales growth tool while keeping receivables workflows more controlled.
Resolve Pay's net terms and Advance Pay model helps close the timing gap between buyer payment terms and seller cash needs:
Advance structures can vary based on buyer risk profiles and approval details, but the operational benefit is clear: sellers can offer payment flexibility without carrying the full burden of delayed receivables on their own balance sheet. That matters for companies with seasonal purchasing cycles, large purchase orders, enterprise buyers, or high-growth sales teams that need faster access to working capital.
Resolve Pay streamlines invoicing through automated invoice generation from order data, digital delivery through branded templates, payment links embedded directly in invoices, configurable reminder sequences, and simple payment options that reduce buyer friction.
The platform generates payment links that can be embedded in invoices, sends automated reminders at configurable intervals, and syncs payment data back into accounting systems. Integration methods include native ecommerce apps, ERP and accounting connections, flexible APIs, and manual invoice upload for companies transitioning from legacy processes.
Resolve Pay provides ecommerce integrations for BigCommerce, Shopify, Magento 2, and WooCommerce. These integrations help sellers embed net terms into checkout flows so qualified business buyers can apply for terms without leaving the merchant's purchasing experience.
Resolve Pay was recognized with the BigCommerce award for its B2B net terms and BNPL payment integration. For ecommerce merchants, this matters because payment terms can be offered earlier in the buying journey rather than handled later through manual emails, offline credit applications, or delayed invoicing steps.
Buyers get the payment flexibility they need, while sellers can receive advance payment through Resolve Pay on approved invoices. This makes ecommerce net terms more practical for B2B sellers that want to support larger orders, repeat purchasing, and smoother checkout experiences.
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 net terms while maintaining healthy 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 targets established B2B companies, especially manufacturers, distributors, and wholesalers selling on invoice-based payment terms. Common industry fits include construction equipment and materials, industrial distribution, medical supplies, lighting and electrical, specialty manufacturing, brewing equipment, and luxury resale and fashion.
HighRadius is built for enterprise-scale and mid-market organizations requiring sophisticated AR automation capabilities. The platform focuses on workflow automation and back-office optimization for companies with complex finance operations.
HighRadius serves organizations with substantial transaction volumes and provides broad finance software across accounts receivable, treasury, and record-to-report processes. Its accounts receivable software supports collections, cash application, deductions, credit, electronic invoicing and payments, B2B payments, analytics, and AR forecasting.
HighRadius serves enterprise organizations and larger finance teams with complex global operations, high invoice volumes, and sophisticated receivables requirements. The platform is designed for companies that need broad invoice-to-cash automation and have the internal resources to support enterprise implementation and optimization.
Two is a B2B payments provider headquartered in Oslo, Norway. The company focuses on embedded B2B net terms, deferred payment infrastructure, credit decisioning, fraud workflows, and merchant payment experiences.
Two has built its platform around embedded payment capabilities that support B2B checkout, direct sales, and in-store purchasing experiences. The company has activity across Northern Europe and has also communicated expansion initiatives in the US and select Western European markets.
Two serves merchants and platforms that want embedded B2B payment infrastructure, particularly where European market experience, payment partnerships, and API-led implementation align with business requirements.
US-based B2B businesses with established revenue face specific challenges that make Resolve Pay's approach particularly relevant. These companies 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. The platform's non-recourse financing on approved invoices provides structured support against buyer default risk, allowing sellers to extend credit with greater confidence. Advance payment on approved invoices helps sellers offer net terms without waiting through the full buyer repayment period.
Combining credit decisions, invoice advancement, payment processing, collections, and accounting sync in one platform reduces the complexity of managing disconnected tools. AI-powered automation for invoicing, reminders, collections, and reconciliation helps reduce the manual workload that often burdens finance teams managing receivables.
Resolve Pay is built around the needs of US B2B sellers that want embedded net terms, risk reduction, payment workflows, and AR automation in one system. The US Census Bureau tracks ecommerce activity across the economy, while the Boston Fed has highlighted payment speed and payment management as ongoing small business challenges.
For US B2B businesses seeking modern payment capabilities, Resolve Pay represents a practical evolution in B2B payments. The combination of structured risk management, advance payment on approved invoices, and integrated workflows addresses the core challenges mid-market domestic businesses face when trying to offer competitive payment terms.
The platform's white-label deployment helps preserve customer relationships because buyers interact with a branded payment experience aligned with the merchant. Resolve Pay powers the credit, payment, and collections infrastructure behind the scenes while sellers maintain a consistent customer-facing experience.
The practical decision centers on matching platform strengths to the workflow challenges that matter most for the business. For seller-side net terms, faster cash conversion, structured risk management on approved invoices, and integrated AR automation, Resolve Pay connects buyer approvals, seller payment advances, collections workflows, and accounting reconciliation in one unified system.
HighRadius is a fit for larger organizations that need broad enterprise receivables automation. Two is relevant for companies seeking embedded B2B net terms infrastructure, especially in European and expanding global payment contexts. Resolve Pay is the strongest fit for US B2B sellers that want payment flexibility, cash flow support, buyer credit workflows, and AR automation working together.
When the core challenge involves helping US B2B buyers access flexible payment terms without slowing seller cash flow or expanding in-house receivables operations, Resolve Pay delivers an aligned solution built specifically for these needs.
Businesses ready to turn net terms into a growth driver can explore Resolve Pay's seller workflows and evaluate how its credit, invoice advancement, payment, and integration capabilities fit their current finance and commerce technology stack.
Resolve Pay provides a modern alternative to traditional factoring for B2B sellers that want to offer net terms and receive advance payment on approved invoices. Traditional factoring centers on selling receivables for working capital. Resolve Pay combines credit checks, invoice advancement, payment workflows, collections support, and AR automation in one platform. Its non-recourse structure means sellers keep advances on approved invoices even if an approved buyer later defaults.
Resolve Pay is specifically designed for US B2B supplier net terms because it combines buyer credit approvals, advance payment on approved invoices, non-recourse financing, and receivables automation in one platform. For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, this focused approach helps align payment flexibility with working capital protection.
Yes. Resolve Pay uses AI-powered workflows to automate invoicing, payment reminders, collections processes, reconciliation, and accounting system updates. Its integrations with QuickBooks, NetSuite, Sage Intacct, Xero, and ecommerce platforms support transaction syncing and reconciliation, helping finance teams reduce repetitive AR tasks while maintaining professional buyer payment experiences.
Flexible payment terms can increase buyer purchasing power by giving customers more time to pay, supporting larger orders, repeat purchases, and stronger buyer relationships. Resolve Pay helps sellers offer these terms while using credit evaluation, advance payment, billing, collections, and risk workflows to protect cash flow.
Resolve Pay is designed for established B2B businesses with meaningful annual B2B revenue. Eligible businesses can use Resolve Pay to access net terms capabilities, credit management tools, invoice advancement, payment workflows, and AR automation without the complexity of building a large in-house credit and collections operation.
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.