Selecting the right B2B payment solution can transform how your business manages cash flow, credit risk, and accounts receivable operations. While Gaviti operates as an AR automation and collections management platform, and Hokodo previously offered European B2B buy now, pay later services before winding down in late 2025, Resolve Pay delivers a comprehensive platform combining non-recourse net terms financing with full AR automation. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the approach that matches their cash flow requirements, risk tolerance, and growth objectives.
The B2B payments landscape encompasses distinct solution categories, each serving different operational models and business objectives. Net terms financing platforms enable sellers to offer deferred payment options while receiving immediate cash advances, addressing the traditional tradeoff between competitive payment terms and healthy cash flow. AR automation platforms focus on streamlining invoice management and collections workflows, while B2B BNPL providers historically focused on enabling buyers to access payment terms at checkout.
The B2B payments landscape encompasses distinct solution categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
Net terms financing platforms like Resolve Pay enable sellers to offer deferred payment options (Net 30, 60, or 90) while receiving immediate cash advances. This model eliminates the traditional tradeoff between competitive payment terms and healthy cash flow. Sellers can extend generous terms to win deals while Resolve Pay advances funds within 1 to 2 business days.
AR automation platforms focus on streamlining invoice management, payment reminders, reconciliation, and collections workflows. Gaviti represents this category, helping finance teams reduce manual work in tracking and collecting outstanding invoices. However, these tools address operational efficiency without solving the underlying cash flow challenge of waiting 30 to 90 days for payment.
B2B BNPL (Buy Now, Pay Later) providers previously included companies like Hokodo, which operated for eight years and financed more than €500 million in purchases for over 100,000 business buyers. It began winding down in late 2025, processed its final transaction in November 2025, and its closure was publicly reported in April 2026.
B2B sellers face a fundamental dilemma: offering competitive net terms strains cash flow, while demanding upfront payment loses sales to competitors who offer terms. Traditional solutions require choosing between:
Resolve Pay addresses these challenges through an integrated approach that combines AI-powered credit decisioning, immediate funding, and automated AR management in a single platform. This consolidation eliminates the need for multiple vendors while providing comprehensive coverage across the entire order-to-cash cycle.
Accounts receivable automation represents a critical function for B2B sellers managing high invoice volumes. The approach each platform takes to automation determines both efficiency gains and overall workflow integration.
Resolve Pay's AR automation platform leverages artificial intelligence across multiple functions:
Customer results demonstrate the impact of this automation. Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours. This efficiency gain allows finance teams to redirect time toward strategic activities rather than manual invoice tracking.
Gaviti also provides AR automation capabilities including collections management, cash application, and credit monitoring. The platform focuses on these operational functions without extending into financing.
The agentic collections capability within Resolve Pay automates multi-channel follow-up sequences through email, SMS, and voice AI outbound calls. This intelligent escalation system:
Gaviti offers collections management with advanced workflows and dispute tracking. The platform provides time savings and visibility into AR workflows.
The key distinction lies in what happens after automation identifies an outstanding invoice. Resolve Pay can advance funds on eligible invoices on a non-recourse basis while handling collections, whereas Gaviti automates the collection process without providing financing capabilities.
Credit decisioning represents a critical bottleneck in B2B transactions. Manual trade reference calls and spreadsheet-based tracking consume significant staff time while slowing down sales cycles.
Resolve Pay's proprietary AI Credit Engine evaluates buyer creditworthiness using thousands of data points including:
The system delivers credit decisions in under 24 hours, with instant approvals available for qualified purchases. This speed transforms the sales process. Archipelago Lighting reduced net terms approval time from 10 days to 24 hours while offering credit lines significantly higher than previously possible.
Resolve Pay supports discreet credit assessment and quiet pre-approval checks that can be completed without requiring the buyer to fill out a traditional credit application, maintaining positive buyer relationships throughout the evaluation process according to business credit assessment best practices.
The distinction between platforms becomes most apparent in risk handling:
Resolve Pay: Provides non-recourse advances of up to 100% on approved invoices. If an approved buyer defaults on a covered invoice, the seller keeps the funded advance.
Gaviti: Provides credit monitoring capabilities to track buyer risk, but the seller retains all credit exposure. Collection outcomes directly impact the seller's receivables.
Hokodo (Historical): Hokodo previously offered European B2B trade credit and BNPL services. The company began winding down in late 2025 and processed its final transaction in November 2025.
For businesses concerned about bad debt, Resolve Pay's non-recourse model can reduce seller exposure on covered approved invoices. Dynamic credit lines adjust automatically based on payment history, enabling growing relationships with proven buyers.
Cash flow constraints represent one of the most significant barriers to B2B growth. Waiting 30 to 90 days for payment limits inventory investment, staffing decisions, and market expansion opportunities.
Resolve Pay's Advance Pay program transforms the cash conversion cycle:
The non-recourse structure distinguishes this model from traditional factoring, where sellers often remain liable if buyers fail to pay. With Resolve Pay, approved invoice financing carries no seller recourse obligation.
Customer outcomes demonstrate the strategic value of accelerated cash flow:
RentAll Construction reported that "quicker receivables directly contribute to healthier cash flow management," highlighting the operational benefits beyond simple financing.
Gaviti does not offer invoice financing or advances. Businesses using Gaviti for AR automation must secure working capital through separate channels such as bank lines of credit, traditional factoring, or other financing arrangements.
While Resolve Pay focuses on accounts receivable, integration capabilities determine how well the platform fits within broader financial workflows.
Resolve Pay's integration ecosystem connects with major accounting and ERP platforms:
Two-way sync capabilities ensure invoice and payment data flows automatically between systems. Most teams launch in under one week using pre-built connectors, minimizing implementation complexity.
Gaviti offers integrations with QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics for ERP connectivity. The platform connects with ERPs, billing systems, and payment providers through its API.
Hokodo operated with an API-focused approach that enabled checkout integration but required custom development for ERP connectivity.
For mid-market businesses managing complex financial operations, integration depth matters. Resolve Pay provides:
Gaviti provides native credit bureau integrations for credit searches and strong payment matching capabilities for cash application.
Invoice management represents a daily operational challenge for B2B finance teams. Automation capabilities directly impact staff productivity and collection effectiveness.
Resolve Pay Features:
Gaviti Features:
Resolve Pay's approach combines automation with financing. When the system identifies an outstanding invoice, it can both initiate collection sequences and provide immediate cash through invoice advances. This dual capability eliminates the waiting period that exists even in highly automated AR environments.
Resolve Pay is designed for B2B sellers that want net terms financing, credit management, payments, AR automation, and collections in one connected workflow. Gaviti is an invoice-to-cash platform centered on functions such as collections automation, cash application, credit management, disputes, and receivables analytics.
Resolve Pay users highlight dedicated customer support and streamlined invoicing efficiency. Gaviti user reviews discuss its AR automation, workflow visibility, collections functionality, and cash application capabilities.
General-purpose billing tools serve broad markets but may not address specialized B2B payment requirements. Understanding when dedicated solutions outperform general tools helps finance leaders make informed decisions.
Standard billing platforms like Zoho Invoice or Salesforce Billing handle invoice creation, sending, and basic payment tracking. However, these tools typically require separate solutions for:
Resolve Pay's integrated platform combines these functions:
This consolidation reduces vendor management complexity while providing end-to-end coverage that general billing tools cannot match.
B2B transactions involve unique requirements absent from consumer billing scenarios:
Resolve Pay addresses these B2B-specific challenges through features designed for wholesale, distribution, and manufacturing environments. The platform's origins combined B2B commerce expertise with proven consumer financing technology.
Working capital optimization represents a strategic priority for growing B2B businesses. The approach to managing receivables directly impacts growth capacity, inventory decisions, and competitive positioning.
Resolve Pay's impact on cash flow manifests across multiple dimensions:
DSO Reduction: By advancing funds within 24 hours rather than waiting 30 to 90 days, Resolve Pay effectively reduces Days Sales Outstanding to near zero for advanced invoices. Traditional collection-focused tools can improve DSO through faster collections but cannot eliminate the waiting period entirely.
Working Capital Liberation: Funds previously tied up in receivables become available for:
Credit Risk Management: Resolve Pay's non-recourse structure shifts covered buyer default risk away from the seller on eligible approved invoices, helping businesses protect cash flow while extending payment terms.
Beyond immediate cash benefits, Resolve Pay's automation enables better forecasting:
Gaviti provides AR visibility and analytics that support cash flow planning from a collections perspective. The platform helps teams understand payment patterns and collection effectiveness but does not provide the immediate liquidity that financing enables.
Resolve Pay brings several connected capabilities into one B2B payments platform:
Resolve Pay offers rapid implementation with hours to days using existing connectors for QuickBooks, Xero, Sage Intacct, Oracle NetSuite, Shopify, BigCommerce, Magento, and WooCommerce.
Gaviti provides implementation support during onboarding with integrations for QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics.
Resolve Pay provides:
Gaviti provides:
Both platforms offer API access for custom integrations beyond standard connectors.
Resolve Pay earns a 5.0/5 rating on G2 with 17 reviews, with users consistently praising dedicated customer support responsiveness and streamlined invoicing efficiency.
Gaviti earns a 4.4/5 rating on G2 with 190 reviews. User feedback highlights time savings from automation, ease of use, and visibility into AR workflows.
The B2B payments landscape has experienced consolidation, with Hokodo's wind-down representing a significant market event. When evaluating providers, consider:
Financial Backing and Market Recognition:
For businesses evaluating a long-term B2B payments provider, Resolve Pay offers an established platform supported by a substantial customer base and a broad set of integrated payment and receivables capabilities.
Resolve Pay combines key B2B payment and receivables functions in one platform:
Its non-recourse structure protects sellers from buyer default risk on approved invoices, while rapid funding can turn 30–90 day payment terms into working capital available within 24 hours.
For mid-market manufacturers, distributors, and wholesalers, Resolve Pay also provides:
This integrated approach helps growing B2B sellers offer competitive payment terms while maintaining cash flow flexibility and operational efficiency.
Resolve Pay combines net terms financing with AR automation in one platform, advancing funds within 24 hours while handling credit risk and collections. Gaviti operates as an invoice-to-cash and AR automation platform focused on collections management, cash application, and credit monitoring without providing financing. Hokodo is no longer operating, having begun winding down in late 2025. For businesses seeking both cash flow acceleration and AR automation in one platform, Resolve Pay brings these capabilities together within its B2B payments offering.
Traditional invoice factoring often involves recourse agreements where sellers remain liable if buyers fail to pay. Resolve Pay's non-recourse model allows sellers to keep the funded advance on covered approved invoices if the buyer defaults. This structure helps protect seller balance sheets from unpredictable bad debt exposure while enabling more confident growth strategies and the ability to extend competitive payment terms without traditional credit risk concerns.
Resolve Pay serves mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies companies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. Businesses offering net terms to customers while needing faster cash conversion benefit most from the platform's combined financing and automation capabilities that address both working capital and operational efficiency needs.
Resolve Pay advances up to 100% of invoice value within 1 to 2 business days. Credit decisions typically complete within 24 hours, with instant approvals available for qualified purchases. This speed transforms 30 to 90 day payment cycles into near-immediate working capital, enabling inventory investment and growth without cash flow constraints while sellers continue offering competitive payment terms to their buyers.
Resolve Pay provides B2B sellers with net terms financing, credit underwriting, payments, AR automation, and collections within one connected platform. Sellers can offer approved buyers flexible payment terms while receiving non-recourse advances of up to 100% on eligible invoices, helping accelerate cash flow without taking on covered buyer default risk. The integrated approach eliminates the need for separate financing, credit management, and AR automation vendors.
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.