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.
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:
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 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:
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:
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.
Resolve Pay maintains native integrations with:
The REST API with webhooks and sandbox environment supports custom integrations, with most teams launching within one week.
Multiple Resolve Pay customers have reported measurable business improvements:
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.
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:
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 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.
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.
Several fundamental differences separate Payability's marketplace payout model from B2B net terms platforms:
Transaction Type
Risk Structure
Target Customer
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.
Non-Recourse Protection
Advance Structure
Funding Speed
Net Terms Support
AR Automation
Credit Decisioning
Collections Management
Payment Portal
Active Vendor Status
Accounting/ERP
E-commerce Platforms
Marketplaces
CRM Integration
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.
Distribution businesses managing large customer bases with varying credit profiles gain from:
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.
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 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.
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:
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.
Resolve Pay is designed for rapid implementation with most teams launching within one week. The onboarding process includes:
Customers like TrueCable report response times under 24 hours on credit approvals, enabling immediate value from the platform.
Resolve Pay provides dedicated support including:
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.
Resolve Pay maintains a 5.0/5 rating on G2 from verified user reviews, with users highlighting:
The platform also holds a 5.0/5 rating on BigCommerce from merchants using the e-commerce integration.
For manufacturers, distributors, and wholesalers selling on invoice terms, Resolve Pay combines:
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.
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.
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.
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.
Resolve Pay can provide advance funding on eligible approved invoices within approximately one to two business days, depending on the transaction and applicable requirements.
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.