Sep 11, 2026
Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles with tied-up capital and manual AR processes. While Hokodo processed its final transaction in November 2025 as it wound down operations and Payability focuses on marketplace seller payout acceleration, Resolve Pay delivers comprehensive net terms financing with non-recourse protection and full AR automation for US-based manufacturers, distributors, and wholesalers.
Understanding these fundamental differences between market focus, operational status, and service models helps B2B suppliers select the solution that matches their invoice-based sales operations and growth objectives. This comparison examines how each platform approaches B2B payments, financing structure, and operational capabilities to help manufacturers and distributors make informed decisions about their payment infrastructure.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, helping protect sellers from covered credit-related buyer defaults while accelerating cash flow
- Hokodo processed its final transaction in November 2025 as part of its wind-down and has since ceased trading, making it unavailable for new customers
- Payability serves a fundamentally different market, focusing primarily on marketplace sellers who need faster access to earnings from platforms such as Amazon and Walmart rather than B2B invoice-based net terms financing
- Resolve Pay can advance funds on eligible approved invoices within 1-2 business days while supporting Net 30, 60, and 90 day terms for buyers
- Over 15,000 businesses actively use Resolve Pay's platform, which combines credit decisioning, net terms financing, AR automation, and collections in a single integrated solution
- Resolve Pay maintains a 5.0/5 rating on G2 from verified users who highlight dedicated customer support and improved cash flow management
- The platform offers native integrations with QuickBooks, NetSuite, Oracle, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento 2
Understanding B2B Payment Solutions and Invoice Financing
The B2B payment landscape encompasses distinct categories of financial services, each serving different business models and operational needs. Invoice financing solutions help suppliers convert outstanding receivables into immediate working capital, while net terms platforms enable businesses to offer deferred payment options to their customers without bearing the associated credit risk.
For manufacturers, distributors, and wholesalers selling on invoice terms, the core challenge remains consistent: buyers expect Net 30, 60, or 90 day payment terms, but sellers need cash flow to fund operations, inventory, and growth. According to the U.S. Small Business Administration, healthy cash flow is essential for maintaining operations and supporting business growth. Traditional solutions force businesses to choose between competitive payment terms and healthy cash positions.
Modern B2B payment platforms address this gap through different approaches:
- Net terms financing platforms advance invoice value to sellers immediately while managing buyer credit assessment and collections
- Marketplace payout solutions accelerate earnings disbursement for sellers on e-commerce platforms like Amazon and Walmart
- AR automation tools streamline invoice generation, payment tracking, and reconciliation processes
The critical distinction lies in whether a solution addresses B2B invoice-based sales (where businesses sell to other businesses on credit terms) or marketplace transactions (where sellers receive payouts from platform sales). These represent fundamentally different financial workflows requiring specialized approaches.
Resolve Pay: Non-Recourse Net Terms for B2B Suppliers
Platform Overview and Target Market
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers who sell on invoice terms. The platform enables sellers to offer competitive Net 30, 60, or 90 day payment terms to business buyers while receiving immediate cash advances and offloading credit risk and collections management.
The target market focuses on mid-market B2B sellers, typically those generating over $1M in annual revenue across industries including:
- HVAC parts distribution
- Electrical supplies
- Plumbing supplies
- Industrial equipment manufacturing
- Medical device distribution
- Construction materials supply
Core Capabilities
Net Terms Financing (Advance Pay)
Sellers can offer standard payment terms to approved buyers while Resolve Pay advances funds on eligible invoices, helping suppliers access cash before the buyer's payment date. The non-recourse structure helps protect sellers from covered credit-related defaults on eligible approved advances. If an eligible approved buyer defaults for a covered credit reason, the seller generally retains the advance subject to Resolve Pay's applicable terms.
AI Credit Engine
The proprietary credit decisioning system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive within 24 hours, with instant approvals available for certain purchases. The quiet credit check approach means buyers are not notified and their credit scores remain unaffected.
AR Automation Platform
The accounts receivable automation suite handles:
- Invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match payments to invoices automatically
- Real-time AR dashboards showing DSO and aging data
- Automated bookkeeping sync to major accounting platforms
Agentic Collections
Resolve Pay's agentic collections system uses multi-channel automated sequences across email, SMS, and AI-powered voice calls. The intelligent escalation system adapts based on buyer response patterns and payment history, pausing automatically when payments or disputes are received. This approach preserves customer relationships while systematically reducing days sales outstanding.
White-Label Payment Portal
Buyers access a branded payment dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging available through the mobile-responsive interface.
Integration Ecosystem
Resolve Pay maintains native integrations with:
- Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
- E-commerce: Shopify, BigCommerce (2025 Innovative Integration Award winner), Magento 2, WooCommerce
- Payment Processing: BlueSnap partnership for global payment processing
The REST API with webhooks and sandbox environment supports custom integrations, with most teams launching within one week.
Documented Customer Results
Multiple Resolve Pay customers have reported measurable business improvements:
- ConEquip reported strong year-over-year growth through its partnership with Resolve Pay
- Archipelago Lighting tripled revenue while reducing net terms approval time significantly
- Trenchless Supply reported a significant reduction in AR workload while benefiting from faster credit approvals
- Elston Materials reported improved margins after implementing Resolve Pay
Hokodo: European B2B BNPL (Ceased Operations)
Critical Status Update
Hokodo decided to wind down in late 2025 and processed its final transaction in November. By April 2026, the company had ceased trading and was no longer available to new customers.
Historical Context
Before shutting down, Hokodo operated as a pan-European B2B BNPL platform with an EMI license enabling operations across the UK, France, and Lithuania. The company had financed over €500M in invoices across 10 countries for more than 100,000 business buyers.
The founders cited several factors in their closure announcement:
- Scaling the business too early before achieving product-market fit
- Taking too long to narrow the company's focus
- Building too much product complexity without sufficient market validation
Market Implications
Hokodo's closure means businesses that previously relied on the platform need to reassess their B2B credit and payment infrastructure based on geography, transaction model, and operational requirements.
For US-based manufacturers, distributors, wholesalers, and other B2B suppliers selling on invoice terms, Resolve Pay provides an active platform built around credit management, net terms, receivables automation, payments, and collections.
Payability: Marketplace Seller Payout Acceleration
Different Market, Different Model
Payability operates in a fundamentally different market segment than B2B invoice financing. The platform focuses on ecommerce marketplace sellers, particularly businesses selling through Amazon and Walmart, providing accelerated payouts rather than net terms financing for invoice-based B2B sales.
Service Model
Payability's Instant Access offering advances a portion of eligible marketplace earnings daily rather than requiring sellers to wait for standard marketplace disbursement cycles. This model serves e-commerce sellers who need faster access to their marketplace earnings.
The Instant Advance product provides lump-sum capital advances based on sales history, with repayment structured as a percentage of future marketplace payouts.
Key Distinctions from B2B Invoice Financing
Several fundamental differences separate Payability's marketplace payout model from B2B net terms platforms:
Transaction Type
- Payability: Accelerates marketplace platform payouts from consumer sales
- Resolve Pay: Finances B2B invoices where businesses sell to other businesses on credit terms
Risk Structure
- Payability: Different marketplace funding structure
- Resolve Pay: Non-recourse advances help protect sellers from covered credit-related defaults on eligible approved invoices
Target Customer
- Payability: Ecommerce marketplace sellers, particularly Amazon and Walmart sellers
- Resolve Pay: B2B manufacturers, distributors, wholesalers selling on invoice terms
Different Funding Structures
Payability's marketplace funding products are structured around seller account performance and marketplace earnings. Resolve Pay addresses a different workflow by combining B2B buyer credit decisioning, net terms, invoice advances, payments, AR automation, and collections for suppliers selling directly to business customers.
Feature Comparison: B2B Invoice Financing Capabilities
Financing Structure
Non-Recourse Protection
- Resolve Pay: Available on eligible approved advances
- Hokodo: Was available (defunct)
- Payability: Different marketplace funding structure
Advance Structure
- Resolve Pay: Eligible approved invoice advances
- Hokodo: Historical trade credit financing (defunct)
- Payability: Daily marketplace payout acceleration
Funding Speed
- Resolve Pay: 1-2 business days
- Hokodo: Was immediate (defunct)
- Payability: Daily
Net Terms Support
- Resolve Pay: 30/60/90 days
- Hokodo: Was 30-120 days (defunct)
- Payability: Not applicable
Platform Capabilities
AR Automation
- Resolve Pay: Full suite included
- Hokodo: Was included (defunct)
- Payability: Not available
Credit Decisioning
- Resolve Pay: AI-powered, instant to 48hrs
- Hokodo: Was instant (defunct)
- Payability: Sales history-based
Collections Management
- Resolve Pay: Automated plus manual
- Hokodo: Was available (defunct)
- Payability: Not available
Payment Portal
- Resolve Pay: White-label, multi-rail
- Hokodo: Was available (defunct)
- Payability: Marketplace-managed
Active Vendor Status
- Resolve Pay: Yes
- Hokodo: No, ceased trading
- Payability: Yes
Integration Depth
Accounting/ERP
- Resolve Pay: QuickBooks, NetSuite, Oracle, Sage, Xero
- Hokodo: Was API-based (defunct)
- Payability: Not available
E-commerce Platforms
- Resolve Pay: Shopify, BigCommerce, WooCommerce, Magento
- Hokodo: Was API-based (defunct)
- Payability: Not applicable
Marketplaces
- Resolve Pay: Not applicable (B2B focus)
- Hokodo: Was API-based (defunct)
- Payability: Primarily Amazon and Walmart seller payouts
CRM Integration
- Resolve Pay: Available via API
- Hokodo: Was available (defunct)
- Payability: Not available
Where Resolve Pay Fits B2B Invoice Sales
US B2B Manufacturers Selling on Invoice Terms
Manufacturers who sell products to business customers and need to offer competitive payment terms benefit from Resolve Pay's non-recourse financing, which helps reduce bad debt exposure while accelerating cash flow. The AI credit engine enables faster buyer approvals than traditional credit processes.
Distributors and Wholesalers
Distribution businesses managing large customer bases with varying credit profiles gain from:
- Automated credit decisions
- Streamlined AR processes
- Integrated collections
- ERP integrations that eliminate manual data entry and reconciliation work
Growing B2B E-commerce Operations
B2B sellers expanding their online presence through platforms like Shopify and BigCommerce can embed net terms checkout directly into their e-commerce experience. The BigCommerce integration won the 2025 Innovative Integration Award.
Companies Seeking Credit Risk Transfer
B2B sellers seeking protection from credit-related buyer defaults can evaluate Resolve Pay's non-recourse advance model. For eligible approved invoices, this structure helps reduce the seller's exposure to covered buyer credit risk.
Marketplace Payouts Serve A Different Workflow
Marketplace payout acceleration is designed around ecommerce platform earnings, while Resolve Pay addresses business-to-business invoice sales. Manufacturers, distributors, wholesalers, and other suppliers extending payment terms can use Resolve Pay to connect buyer credit decisioning, net terms, invoice advances, payments, AR automation, and collections in one platform.
The Non-Recourse Advantage in B2B Financing
Understanding Credit Risk Transfer
In traditional B2B sales, extending net terms means accepting the risk that customers may pay late or default entirely. Bad debt from unpaid B2B invoices can directly affect profitability and cash flow predictability, which makes credit management and risk protection important for suppliers extending payment terms.
Research from the Federal Reserve shows that credit risk management significantly impacts business financial stability. When an eligible buyer and invoice qualify for a non-recourse advance, Resolve Pay assumes the covered credit risk associated with the approved transaction, subject to the applicable terms.
This structure provides several advantages:
- Predictable cash flow: Sellers know when they will receive funds for eligible approved transactions
- Sales enablement: Teams can extend competitive terms to new customers with appropriate credit oversight
- Credit risk protection: Non-recourse advances help reduce exposure to covered credit-related defaults on eligible approved invoices
Comparison with Different Models
Payability's marketplace funding operates differently, structured around ecommerce platform sales and earnings. For B2B suppliers weighing their options, understanding whether a solution addresses invoice-based credit sales or marketplace payouts represents one of the most significant distinctions between platforms.
Implementation and Time to Value
Resolve Pay Deployment
Resolve Pay is designed for rapid implementation with most teams launching within one week. The onboarding process includes:
- ERP and accounting system connection
- E-commerce platform integration (if applicable)
- Credit policy configuration
- Payment portal branding
- Team training and knowledge transfer
Customers like TrueCable report response times under 24 hours on credit approvals, enabling immediate value from the platform.
Ongoing Support
Resolve Pay provides dedicated support including:
- Partner Success Manager for agency and integration partners
- Developer documentation for custom integrations
- Support resources for implementation, integrations, and ongoing platform use
- Expert AR and collections team handling buyer follow-ups
Market Position and Credibility
Resolve Pay Background
Resolve Pay emerged as a spinout from Affirm, the consumer Buy Now Pay Later platform. The company raised $60M in Series A funding in June 2021 and was built by former executives from Affirm, Amazon, and PayPal who brought consumer BNPL expertise to the B2B commerce space.
The platform now serves over 15,000 businesses across manufacturing, wholesale distribution, and supply industries. Notable customers include ConEquip, Trenchless Supply, SS&SI Dealer Network, Archipelago Lighting, and DocShop Pro.
Industry Recognition
- 2025 BigCommerce Innovative Integration Award winner
- Will Reed Top 100 Class of 2023 for workplace culture
Review Performance
Resolve Pay maintains a 5.0/5 rating on G2 from verified user reviews, with users highlighting:
- Dedicated customer support and responsiveness
- Easy setup and implementation process
- Measurable cash flow improvements
- Effective AR automation reducing manual work
The platform also holds a 5.0/5 rating on BigCommerce from merchants using the e-commerce integration.
Why Resolve Pay for B2B Invoice Sales
For manufacturers, distributors, and wholesalers selling on invoice terms, Resolve Pay combines:
- Buyer credit decisioning
- Net terms financing with non-recourse protection on eligible approved advances
- White-label payment portals
- AR automation
- Collections management
This integrated approach helps B2B suppliers offer competitive payment terms, access faster cash flow, and reduce exposure to covered credit-related buyer defaults.
Native connections to major accounting, ERP, and e-commerce platforms also reduce reliance on disconnected tools and manual processes, creating scalable payment infrastructure that supports growth and financial predictability.
Frequently Asked Questions
What Does Resolve Pay Do?
Resolve Pay is a B2B payments platform that combines buyer credit decisioning, net terms financing, payments, accounts receivable automation, and collections. It is designed for manufacturers, distributors, wholesalers, and other B2B suppliers that sell to business customers on invoice terms.
How Does Non-Recourse Financing Protect B2B Suppliers?
Resolve Pay's non-recourse advances help protect sellers from covered credit-related defaults on eligible approved transactions. This allows suppliers to accelerate cash flow while reducing exposure to qualifying buyer credit risk.
Can Resolve Pay Integrate With My Existing Accounting System?
Yes. Resolve Pay offers accounting and ERP integrations with systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform supports invoice and payment synchronization as part of its broader AR workflow.
How Quickly Can Resolve Pay Advance An Approved Invoice?
Resolve Pay can provide advance funding on eligible approved invoices within approximately one to two business days, depending on the transaction and applicable requirements.
How Quickly Can A Business Launch Resolve Pay?
Resolve Pay states that most teams can launch in under one week with supported accounting, ERP, and ecommerce integrations. Implementation timing can vary depending on the systems, workflows, and custom integration requirements involved.
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.
