Sep 11, 2026
Selecting the right B2B payment platform directly impacts your cash flow, operational efficiency, and ability to extend credit to business buyers. While Hokodo previously focused on European trade credit before closing in April 2026 and Paystand delivers blockchain-based AR and payment automation, Resolve Pay offers a complete solution combining non-recourse net terms financing, AI-powered credit underwriting, and full accounts receivable automation in one unified platform. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that matches their growth objectives, geographic focus, and cash flow requirements.
Key Takeaways
- Resolve Pay combines non-recourse net terms financing, AI-powered credit decisioning, and comprehensive AR automation within one B2B payments platform, while Hokodo previously centered on European trade credit before ceasing operations in April 2026 and Paystand focuses on AR and payment automation
- Resolve Pay advances up to 100% of invoice value within 1-2 business days with full credit risk protection, eliminating the cash flow strain that comes with extending net terms to business buyers
- The platform serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries with SOC 2 Type II certification for enterprise-grade security
- Resolve Pay's AI Credit Engine delivers credit decisions in under 24 hours by evaluating thousands of buyer data points, replacing manual trade reference calls and spreadsheet tracking
- Customer results demonstrate an estimated 90% reduction in manual AR work through automated invoicing, payment reconciliation, and intelligent collections workflows
- Native integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, NetSuite, and other major platforms enable rapid deployment with most teams launching in under one week
- Hokodo ceased operations in April 2026 after serving European B2B markets, while Paystand operates as an AR and payments platform with partner-powered financing through Lendica
Understanding the B2B Payment Processing Landscape
The B2B payments market encompasses three distinct platform categories, each serving different operational models and business requirements. 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 terms while receiving immediate cash. These platforms:
- Advance invoice value upfront
- Assume credit risk on approved buyers
- Handle collections and payment reconciliation
- Convert receivables into working capital without cash flow strain
Trade credit providers historically included platforms such as Hokodo, which provided B2B buy now, pay later functionality to European merchants before closing in April 2026. Its model combined buyer underwriting with deferred payment options for B2B transactions.
AR and payment automation platforms like Paystand concentrate primarily on receivables, payments, reconciliation, and collections workflows. Paystand also offers an Early Pay financing option through its financing partner Lendica, which manages underwriting, approval, funding, and repayment for eligible advances.
The fundamental distinction lies in execution scope. Traditional AR tools help manage existing payment workflows. Resolve Pay brings credit intelligence, non-recourse invoice advancement, payments, and AR automation together within one integrated platform, eliminating the multi-vendor complexity that slows growth and creates operational friction.
What Sets These Platforms Apart
Resolve Pay stands as an integrated solution bundling credit intelligence, non-recourse financing, and AR automation. This integrated approach means sellers can offer competitive net terms, receive same-day funding, and automate receivables management without stitching together multiple point solutions.
Before closing in April 2026, Hokodo served European merchants and business buyers with embedded trade credit and localized underwriting across multiple European markets.
Paystand takes a different approach, focusing primarily on blockchain-enabled payment processing and accounts receivable automation. It also offers Early Pay through financing partner Lendica, with the partner responsible for underwriting, approval, funding, and repayment.
Net Terms Financing: Comparing Credit Extension Capabilities
For B2B sellers, offering net payment terms often determines whether deals close. Buyers expect 30, 60, or 90-day payment flexibility, but extending that credit creates cash flow challenges and default risk exposure.
Resolve Pay's Non-Recourse Financing Model
Resolve Pay transforms net terms from a cash flow burden into a growth accelerator through its Advance Pay program. The platform:
- Advances up to 100% of invoice value within 1-2 business days
- Assumes 100% of credit risk on approved invoices through non-recourse financing
- Supports Net 15, 30, 60, and 90 day terms with custom options available
- Releases the remaining holdback percentage when buyers pay on schedule
This model means sellers receive cash immediately while buyers pay on terms. If an approved buyer defaults, Resolve Pay absorbs the loss rather than passing it back to the seller. The non-recourse structure eliminates the credit risk exposure that makes many distributors hesitant to extend payment terms.
Real customer results demonstrate the impact. Archipelago Lighting tripled revenue after implementing Resolve Pay, reducing net terms approval time from 10 days to 24 hours while offering 20x higher credit lines to qualified buyers.
Hokodo's Former European Trade Credit Model
Before ceasing operations in April 2026, Hokodo provided B2B BNPL and embedded trade credit services across European markets. Its offering included deferred payment options, buyer underwriting, and payment protection for participating merchants.
Hokodo's historical model illustrates a European-focused approach to embedded B2B trade credit. It is no longer an active option for businesses evaluating payment platforms today.
Paystand's Partner-Powered Financing
Paystand primarily operates as a payment and accounts receivable automation platform. It also offers Early Pay, a financing option powered by Lendica for eligible invoices.
Under this arrangement, Lendica manages underwriting, approval, funding, and repayment, while Paystand facilitates access to the program. This differs from Resolve Pay's integrated model, where net terms, credit decisioning, non-recourse invoice advancement, payments, and receivables workflows are part of the Resolve Pay offering.
AI Credit Underwriting: Speed and Accuracy in Buyer Evaluation
Extending credit to business buyers traditionally required manual trade reference calls, financial statement analysis, and spreadsheet-based risk assessment. Modern platforms automate this process with varying degrees of sophistication.
Resolve Pay's Smart Credit Engine
Resolve Pay's AI Credit Engine evaluates thousands of buyer data points to deliver credit decisions in under 24 hours, with instant approvals available for qualifying purchases. The system analyzes:
- Cash flow trends and payment history
- Behavioral signals and business indicators
- Real-time financial health metrics
- Industry-specific risk factors
The "quiet credit check" approach means buyers are not notified and their credit scores remain unaffected, preserving the sales relationship while providing accurate risk assessment.
Trenchless Supply reduced credit approvals to under 24 hours after implementing Resolve Pay, while TrueCable reports response times under 24 hours on credit decisions. This speed advantage means sales teams can close deals faster without waiting days for manual underwriting.
Dynamic credit lines adjust automatically based on payment history, rewarding good payment behavior with increased purchasing power. This creates a self-improving system where reliable buyers gain access to higher limits over time.
Hokodo's Former Real-Time Decisioning
Before its April 2026 closure, Hokodo used real-time underwriting to evaluate business buyers during B2B checkout flows. This capability supported its embedded trade credit model for European merchants.
Because Hokodo is no longer operating, its former credit decisioning capabilities should be viewed as historical comparison points rather than features available to new customers.
Paystand's Credit Approach
Paystand primarily focuses on payment processing and AR automation. Its Early Pay program leverages partner Lendica for buyer credit underwriting and approval decisions on eligible invoice advances.
Accounts Receivable Automation: Streamlining Financial Operations
Manual AR processes consume significant staff time through invoice generation, payment tracking, reconciliation, and collections follow-up. Automation platforms address these inefficiencies with varying approaches.
Resolve Pay's Complete AR Platform
Resolve Pay delivers comprehensive AR automation that eliminates manual work across the entire receivables lifecycle:
Automated Invoice Generation
- Syncs directly from ERP and accounting systems
- Generates professional invoices automatically
- Maintains consistent branding and payment terms
Smart Payment Reconciliation
- Machine learning matches payments to invoices automatically
- Reduces manual matching errors
- Provides real-time visibility into payment status
AR Dashboard and Reporting
- Real-time DSO tracking and aging analysis
- Portfolio health monitoring
- Cash flow forecasting capabilities
Accounting System Integration
- Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite
- Automatic bookkeeping updates
- Eliminates duplicate data entry
Customer results validate the efficiency gains. Businesses report an estimated 90% reduction in manual AR work through automation, freeing finance teams to focus on strategic activities rather than routine processing.
Hokodo's Former Payment Processing Model
Before closing, Hokodo incorporated buyer payment collection and collections management into its trade credit offering. These capabilities supported its broader European embedded-credit model.
Because Hokodo ceased operations in April 2026, these features are relevant only as historical context when comparing approaches to B2B trade credit.
Paystand's AR Automation Capabilities
Paystand provides AR automation capabilities through its payment platform:
- Automated payment acceptance across multiple rails
- Customer portal for invoice management
- Reconciliation and reporting tools
- NetSuite integration for ERP connectivity
Paystand combines AR automation with access to partner-powered Early Pay financing through Lendica. Resolve Pay takes a more integrated approach by combining its net terms financing, buyer credit decisioning, AR workflows, payments, and collections within the Resolve Pay platform.
Collections and Cash Flow Optimization
Effective collections processes reduce days sales outstanding while preserving customer relationships. The balance between payment recovery and relationship maintenance requires intelligent automation.
Resolve Pay's Agentic Collections Approach
Resolve Pay's Agentic Collections uses AI-powered multi-channel automation to recover payments while maintaining professional customer relationships:
Multi-Channel Outreach Sequences
- Automated email reminders at configurable intervals
- SMS follow-ups for urgent communications
- Voice AI for outbound collections calls
- Intelligent escalation based on buyer response
Relationship-Preserving Automation
- Professional, friendly tone throughout sequences
- Automatic pause when payment or dispute received
- Full interaction logging to invoice records
- Human oversight for complex situations
Cash Flow Acceleration
- Businesses report average DSO reduction of 15-20 days
- DSO reduced from 60+ days to as little as 1 day through advance funding
- Non-recourse protection eliminates bad debt write-offs on approved invoices
The hybrid model combining AI agents with human oversight ensures efficient collections while maintaining the customer service standards B2B relationships require.
Hokodo's Former Collections Model
Before ceasing operations, Hokodo managed collections associated with its trade credit offering, including follow-up on approved buyer obligations and merchant visibility into payment status.
These capabilities are now historical because Hokodo closed in April 2026.
Paystand's Workflow Automation
Paystand provides automated collections workflows through its AR platform:
- Configurable payment reminder sequences
- Customer self-service portal
- Integration with accounting systems
The platform handles payment reminders effectively as part of its broader AR automation capabilities.
Integration Ecosystem and Platform Connectivity
Modern B2B payment solutions must connect seamlessly with existing business systems including ecommerce platforms, ERPs, and accounting software.
Resolve Pay's Comprehensive Integration Suite
Resolve Pay provides a broad integration ecosystem spanning ecommerce, ERP, and accounting platforms:
Ecommerce Platforms
- Shopify native integration
- BigCommerce (2025 Innovative Integration Award winner)
- Magento 2 plugin
- WooCommerce support
Accounting and ERP Systems
- QuickBooks Online two-way sync
- Xero integration
- Sage Intacct connectivity
- Oracle NetSuite support
Developer Tools
- REST API with webhooks
- Sandbox environment for testing
- Comprehensive documentation
Most teams launch in under one week through these native integrations, avoiding lengthy custom development projects.
Hokodo's Former Integration Approach
Before closing in April 2026, Hokodo used an API-first integration model and supported integrations designed to embed its trade credit offering into European B2B commerce workflows.
These integrations are now relevant as historical context rather than as options available to businesses selecting a current platform.
Paystand's ERP Connectivity
Paystand emphasizes ERP integration, particularly with NetSuite:
- Deep NetSuite integration for AR automation
- API availability for custom connections
- Payment portal functionality
The platform serves NetSuite users with integration options for AR and payment workflows.
Geographic Focus and Market Positioning
The three platforms serve different primary markets, which significantly impacts feature prioritization and regulatory compliance.
Resolve Pay: US Market Leadership
Resolve Pay focuses on the US market, providing:
- Credit underwriting optimized for US business credit data
- Compliance with US financial regulations
- Integration with US-centric platforms and systems
- Support for USD transactions
This focus enables deep optimization for US B2B commerce rather than spreading resources across multiple regulatory environments.
Hokodo's Former European Focus
Before closing in April 2026, Hokodo concentrated on European B2B trade credit and embedded lending. Its platform served buyers and merchants across multiple European countries.
Hokodo is no longer an active platform, so businesses evaluating a current B2B payments solution should treat its capabilities as historical comparison points.
Paystand's International Reach
Paystand positions its platform around blockchain-enabled B2B payments, international payment workflows, and multi-currency capabilities. Its current international offering also includes cross-border payroll capabilities across a broad range of countries.
These capabilities primarily relate to payments and international financial workflows. Paystand also offers partner-powered Early Pay financing through Lendica for eligible invoices.
Why Resolve Pay Fits B2B Sellers
For manufacturers, distributors, wholesalers, and other B2B sellers, the key consideration is whether a platform can connect credit decisioning, net terms, cash flow, payments, and receivables workflows without adding unnecessary operational complexity.
Resolve Pay's Integrated Approach
Resolve Pay is designed for B2B sellers that want to combine:
- Net terms for qualified business buyers
- Non-recourse advances on approved eligible invoices
- AI-powered business credit decisioning
- Accounts receivable automation
- Payment and reconciliation workflows
- Ecommerce, ERP, and accounting integrations
The platform serves mid-market B2B sellers with 15,000+ businesses actively using the platform across manufacturing, wholesale distribution, and supply industries.
A Unified Credit-To-Cash Workflow
Hokodo's former European trade credit model is now historical because the company ceased operations in April 2026. Paystand primarily focuses on payments and AR automation, with partner-powered Early Pay financing available for eligible invoices.
Resolve Pay takes an integrated approach by bringing buyer credit decisioning, net terms financing, payment workflows, receivables automation, and collections together for B2B sellers. This unified infrastructure eliminates the multi-vendor complexity that creates operational friction and slows growth.
Customer Success and Proven Results
Real-world outcomes demonstrate platform effectiveness better than feature comparisons alone.
Resolve Pay Customer Results
- Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours, offers 20x higher credit lines
- ConEquip: Achieved 30% year-over-year growth through the construction equipment vertical
- SS&SI Dealer Network: Delivered 5x revenue growth across the dealer network
- Trenchless Supply: Reduced AR workload by an estimated 90% with credit approvals under 24 hours
- Elston Materials: Increased margins from 25% to 30% (5-point improvement)
- Nandansons: Achieved 75% growth through partnership with Hammer Commerce agency
These results share common patterns: rapid implementation, immediate cash flow improvement, and sustained operational efficiency gains.
Platform Trust Indicators
Resolve Pay has earned recognition through:
- 5.0/5 rating on G2 with exceptional customer support scores
- 2025 BigCommerce Innovative Integration Award
- SOC 2 Type II certification for enterprise security
- Backing from Affirm and PayPal leadership with funding exceeding USD 85M
Resolve Pay: The Integrated Choice for B2B Payment Infrastructure
Resolve Pay combines:
For US-based manufacturers, distributors, and wholesalers, this unified approach helps reduce multi-vendor complexity while supporting competitive payment terms and healthy cash flow.
With integrated credit, payments, financing, and receivables workflows, Resolve Pay provides a strong option for B2B sellers evaluating modern credit-to-cash infrastructure.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing differ from traditional factoring?
Traditional factoring typically involves recourse arrangements where sellers remain liable if buyers fail to pay. Resolve Pay's non-recourse model means the platform assumes 100% of credit risk on approved invoices. If a qualified buyer defaults, Resolve Pay absorbs the loss rather than passing it back to the seller, eliminating bad debt exposure while providing immediate cash flow through invoice advances.
Can Resolve Pay integrate with my existing ERP or ecommerce platform?
Yes, Resolve Pay provides native integrations with major platforms including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also offers a REST API with webhooks and sandbox environment for custom integrations. Most teams launch in under one week through these pre-built connections.
How quickly can I expect credit decisions for my business buyers?
Resolve Pay's AI Credit Engine delivers credit decisions in under 24 hours, with instant approvals available for qualifying purchases up to USD 25,000. The system uses "quiet credit checks" that do not notify buyers or impact their credit scores, preserving the sales relationship while providing accurate risk assessment.
Which types of businesses are best suited for Resolve Pay's services?
Resolve Pay serves mid-market B2B sellers, typically with USD 1M+ annual revenue, across 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. The platform works best for businesses extending net terms to buyers.
How does Resolve Pay ensure sensitive buyer data is secure?
Resolve Pay maintains SOC 2 Type II certification, demonstrating enterprise-grade security controls for handling sensitive financial data. The platform's compliance posture supports deployments across regulated industries and provides the data protection standards that mid-market and enterprise customers require.
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.
