Selecting the right B2B payment platform directly impacts your cash flow, credit risk exposure, and operational efficiency. While Hokodo is no longer operational and Slope provides enterprise B2B payments, embedded financing, and order-to-cash software, Resolve Pay delivers comprehensive net terms financing with non-recourse advances that help protect North American manufacturers, distributors, and wholesalers from buyer default risk on eligible approved invoices.
Understanding these fundamental differences helps B2B sellers choose a platform that aligns with their cash flow needs, risk tolerance, and growth objectives. The B2B payments landscape continues to evolve, with platforms serving different segments of the market. For mid-market suppliers focused on domestic trade, integrated solutions that combine credit decisioning, invoice advances, and accounts receivable automation can streamline operations while reducing manual workload.
When B2B suppliers evaluate payment platforms for net terms financing, understanding risk allocation, implementation requirements, and operational scope determines long-term financial outcomes. Hokodo's shutdown in early 2026 eliminated a major European player, while Slope continues serving enterprise organizations through embedded finance and order-to-cash infrastructure. Resolve Pay focuses on combining non-recourse financing, comprehensive AR automation, and rapid implementation for mid-market US suppliers.
This comparison explains why Resolve Pay's integrated approach delivers results for manufacturers, distributors, and wholesalers seeking cash flow acceleration with credit risk protection on eligible approved transactions.
The B2B payment terms market encompasses distinct platform categories, each serving different operational models and business requirements. The U.S. Small Business Administration notes that cash flow is critical to a healthy business, particularly when working capital is tied up in accounts receivable. Understanding platform differences helps finance leaders select tools that match their growth stage, technical capabilities, and risk appetite.
Non-recourse net terms platforms like Resolve Pay enable sellers to offer deferred payment terms while receiving advance funding on eligible approved invoices. When applicable program requirements are met, sellers retain the advanced funds if an approved buyer defaults, helping reduce exposure to bad debt. The seller ships goods, Resolve Pay advances the invoice value on approved transactions, and the platform helps manage the credit risk on covered invoices.
Embedded B2B financing providers like Slope combine payment terms with credit infrastructure and order-to-cash software. Their financing structures and risk allocation can vary by product, buyer, and merchant arrangement. These platforms focus on enterprise organizations and marketplace integrations.
Defunct platforms like Hokodo serve as cautionary examples. Despite processing over €500M in invoices and serving 100,000+ business buyers across 10 European markets, Hokodo ceased all trading in March 2026. Former customers found their APIs and dashboards permanently shut down, with outstanding debts sold to collection agencies.
The fundamental distinction centers on risk allocation and operational scope. When evaluating platforms, suppliers should consider who bears responsibility for buyer defaults on approved transactions, how quickly they can implement the solution, and whether they need comprehensive AR automation or focused payment processing.
Resolve Pay operates as a B2B payments platform built specifically for manufacturers, distributors, and wholesalers offering net payment terms. The platform combines credit decisioning, net terms financing, AR automation, and collections management into a single integrated solution.
The net terms financing product enables sellers to offer Net 30, 60, or 90 terms to business buyers while receiving cash advances within 24 hours on approved transactions. Resolve Pay's current net terms product describes advances of up to 90% of eligible approved invoice value within 24 hours. Certain Resolve Pay programs may support higher advance amounts, subject to underwriting and program terms.
Key capabilities include:
The non-recourse structure distinguishes Resolve Pay from alternative financing approaches. When Resolve Pay approves a buyer and advances invoice funds on eligible transactions, sellers retain the advanced funds if the approved buyer defaults, subject to applicable program requirements. This helps change the financial risk profile for suppliers extending trade credit.
Resolve Pay's non-recourse advances help protect suppliers from covered buyer default risk on eligible approved transactions. The model works well for:
Resolve Pay provides integrations with major ecommerce and accounting platforms. Supported ecommerce integrations include low-code and no-code options that can take minutes to a few hours depending on the existing setup. Resolve Pay also provides APIs for more customized implementations.
The platform connects with:
Ecommerce Platforms:
Accounting and ERP Systems:
The integrations support two-way sync for invoice and payment data, automatic reconciliation, and embedded checkout experiences. Teams without dedicated development resources can launch quickly using pre-built connectors.
The agentic collections feature uses AI to automate multi-channel follow-up sequences across email, SMS, and voice. The system intelligently escalates based on buyer response patterns and payment history, pausing automatically when payments or disputes arrive.
Configurable day thresholds allow sellers to customize outreach timing. All interactions log automatically to invoice records, maintaining complete audit trails while preserving customer relationships through professional, consistent communication. This automation can substantially reduce manual collections work by coordinating reminders, payment follow-up, and reconciliation within the same platform.
Hokodo, once a leading European B2B BNPL provider, ceased trading on March 23, 2026. The company had raised over €50M in equity funding and processed €500M+ in financed invoices across 10 European markets before deciding to wind down operations in late 2025.
The final customer transactions occurred in November 2025, with all APIs and dashboards permanently shut down by late March 2026. Outstanding debts were sold to collection agencies, and customers lost access to platform data and services.
Former Hokodo users faced significant disruption. API integrations stopped functioning, breaking checkout and payment workflows. Buyer credit data became inaccessible, requiring new credit evaluations elsewhere. Outstanding receivables transferred to collection agencies outside merchant control, and payment terms programs required complete platform migration under time pressure.
The shutdown highlights the importance of platform stability when selecting B2B payment infrastructure. A provider's financial backing, market position, and geographic focus all impact long-term reliability.
Businesses previously using Hokodo for European trade credit face the need to evaluate alternative providers. For US-focused suppliers, Resolve Pay offers an established platform that spun out of Affirm and has announced substantial funding, including $60M in funding in 2021.
Former Hokodo customers should evaluate geographic fit, risk model, implementation timeline, and integration depth when selecting a new platform.
Slope positions itself as a B2B payments platform for enterprise companies, combining embedded financing with order-to-cash software and APIs. The company has raised substantial equity and debt funding, focusing on enterprise marketplace integrations.
Slope has announced an embedded financing partnership with Alibaba.com and also provides financing services to eligible Walmart Marketplace sellers. This enterprise focus reflects its platform serving wholesalers, platforms, marketplaces, and other enterprise B2B organizations through embedded financing and order-to-cash workflows.
Slope offers several enterprise-focused capabilities:
The platform serves businesses needing:
Implementation requirements vary according to the product, integration scope, and level of customization. Slope provides software and APIs for enterprise integrations.
Resolve Pay: Offers non-recourse advances on eligible approved invoices, allowing sellers to retain advanced funds when applicable program requirements are met.
Hokodo: Historical platform that offered trade credit services before ceasing operations. No longer a viable comparison point.
Slope: Provides embedded financing and order-to-cash infrastructure, with specific risk allocation depending on the applicable product and financing arrangement.
Resolve Pay: Supported ecommerce integrations include low-code and no-code options that can take minutes to a few hours depending on the existing setup. Resolve Pay also provides APIs for more customized implementations.
Hokodo: Platform no longer operational.
Slope: Provides software and APIs for enterprise integrations, with implementation requirements depending on the product, workflow, and level of customization.
Resolve Pay's low-code and no-code integration options can reduce development requirements for supported ecommerce environments.
Resolve Pay: Comprehensive accounts receivable automation including invoice generation, payment reminders, reconciliation, agentic collections, and ERP sync.
Hokodo: Historical AR features are no longer accessible.
Slope: Provides an AR Automation Suite covering areas including invoicing and billing, collections, cash application, payments, risk management, and embedded financing.
Resolve Pay's integrated platform eliminates the need for multiple point solutions, reducing operational complexity.
Resolve Pay: US and Canada primary focus with deep North American buyer credit data. Serves 15,000+ businesses with specialized intelligence for domestic B2B transactions.
Hokodo: Formerly served 10 European countries before shutdown. Former customers need alternative providers for European markets.
Slope: US primary with international capabilities through cross-border payment support.
For North American suppliers, U.S. Census Bureau data provides detailed statistics on the U.S. wholesale trade sector, including industry and geographic measures that help illustrate the scale and distribution of B2B wholesale activity.
Resolve Pay: 5.0/5 rating on G2 with 17 reviews. Users consistently praise dedicated customer support, streamlined invoicing, and automated payment reminders. The BigCommerce App Store also shows a 5.0/5 rating.
Common positive themes include efficiency in payment collection processes, responsive support team, fast credit approval turnaround, and significant reduction in AR manual work.
Hokodo: Historical reviews no longer relevant as platform ceased operations.
Slope: Enterprise focus with partnerships across major B2B platforms.
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to combine net terms, non-recourse invoice advances, credit decisioning, payments, AR automation, collections, and financial-system integrations within one platform.
The platform works well when businesses need:
Industries seeing strong results:
Businesses evaluating a replacement for a discontinued provider should confirm geographic coverage, buyer eligibility, integration requirements, risk allocation, and payment-term support. For North American manufacturers, distributors, and wholesalers, Resolve Pay provides an integrated approach to net terms and accounts receivable management.
Resolve Pay customers report measurable outcomes across revenue growth, operational efficiency, and cash flow improvement:
Revenue Growth:
Operational Efficiency:
Cash Flow Improvement:
These results reflect the compound benefits of non-recourse protection, AR automation, and rapid credit decisions working together. Research from the Federal Reserve indicates that efficient payment systems and credit availability remain crucial for B2B commerce growth.
For manufacturers, distributors, and wholesalers evaluating their receivables strategy, these factors help show where Resolve Pay can support cash flow, credit management, and AR operations:
For US-based manufacturers, distributors, and wholesalers, Resolve Pay delivers a combination of non-recourse protection on eligible approved invoice advances, implementation through pre-built integrations, operational efficiency through comprehensive AR automation, and an established platform adoption with substantial announced funding and 15,000+ businesses using Resolve Pay. The platform's customer satisfaction is evidenced by perfect G2 ratings.
The platform's heritage brings consumer BNPL expertise to B2B commerce, while the focused North American market coverage provides credit intelligence for domestic transactions.
Businesses ready to evaluate Resolve Pay can assess their current state by calculating existing bad debt write-offs, AR labor costs, and days sales outstanding. Review integrations to confirm compatibility with your ecommerce platform and accounting system.
Explore the platform's capabilities and discuss your specific buyer base, transaction volumes, and implementation timeline. Resolve Pay provides low-code and no-code ecommerce integrations as well as API options, with deployment timing depending on the systems and customization involved.
With Resolve Pay, eligible approved invoice advances are non-recourse. When applicable program requirements are met, the seller retains the advanced funds if an approved buyer defaults, helping reduce exposure to covered buyer credit risk. Eligibility, advance amounts, and protection remain subject to underwriting, verification, and program terms.
Resolve Pay combines AI-supported credit decisioning, underwriting, net terms management, and non-recourse advances on eligible approved invoices. This allows sellers to extend payment terms while reducing the amount of credit assessment and receivables risk they manage internally. The platform evaluates thousands of buyer data points for credit decisions.
Resolve Pay provides low-code and no-code integrations for supported ecommerce platforms as well as ERP, accounting, and API options. Its ecommerce documentation states that supported implementations can take minutes to a few hours depending on the existing setup, while customized integrations vary based on requirements and system complexity.
Resolve Pay serves mid-market B2B sellers, typically with annual revenue over $1M, in industries including HVAC parts distribution, electrical supplies, plumbing supplies, industrial equipment manufacturing, medical and pharmaceutical distribution, construction materials, and wholesale distribution. The platform works especially well for businesses extending Net 30, 60, or 90 terms where cash flow timing creates operational challenges.
Resolve Pay offers native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting systems. These pre-built connectors enable two-way sync for invoice and payment data, automatic reconciliation, and streamlined financial reporting. The platform also provides APIs for custom ERP integrations when needed.
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.