Resolve Pay vs Invoiced vs Apruve

Selecting the right B2B payments and accounts receivable platform can determine whether your business thrives with healthy cash flow or struggles with extended payment cycles. While Invoiced focuses on AR automation and subscription billing, and Apruve (now part of TreviPay) serves enterprise-scale global operations, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation designed specifically for mid-market manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B sellers choose the approach that matches their cash flow needs, risk tolerance, and growth objectives.

Key Takeaways

• Resolve Pay provides 100% non-recourse financing, meaning sellers bear zero credit risk on approved invoices, while Invoiced focuses purely on AR automation without financing capabilities, and TreviPay offers non-recourse options for enterprise clients
• Resolve Pay advances up to 90-100% of invoice value within 1-2 business days, compared to TreviPay's 48-hour settlement and Invoiced's software-only model that still requires waiting 30-90 days for customer payment
• With 15,000+ businesses using the platform, Resolve Pay has established a substantial presence among B2B manufacturers, distributors, and wholesalers
• Resolve Pay offers native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded checkout net terms, while Invoiced provides more limited e-commerce connectivity and TreviPay focuses on enterprise commerce platforms
• Resolve Pay customers report 50-60% DSO reduction and up to 90% AR workload reduction, showing how integrated financing and AR automation can improve receivables operations
• Invoiced was acquired by Flywire in August 2024, and Apruve was acquired by TreviPay in December 2022, meaning both competitors have undergone significant corporate transitions while Resolve Pay maintains independent operations

Understanding the B2B Payments Landscape: AR Automation vs. Net Terms Financing

The B2B payments technology market encompasses distinct categories serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select solutions aligned with their growth stage, cash flow requirements, and risk management priorities.

Pure AR automation platforms like Invoiced serve as workflow optimization systems for accounts receivable teams. These platforms provide invoice generation, payment reminders, collection sequences, and reporting dashboards that help finance staff manage outstanding receivables more efficiently. The value proposition centers on reducing manual work and improving visibility into payment status. However, these systems do not provide working capital or assume credit risk. When customers pay late or default, sellers still absorb the financial impact.

Enterprise B2B payment networks like TreviPay (which acquired Apruve in December 2022) represent global infrastructure for large-scale commercial transactions. These platforms handle multi-currency payments, managed services for collections and disputes, and deep ERP integrations for complex enterprise environments. The value proposition centers on consolidating global B2B payment operations under unified management. However, the enterprise focus means longer implementation timelines and solutions designed primarily for large multinational corporations.

Integrated net terms financing platforms like Resolve Pay represent a different approach that combines credit decisioning, invoice financing, AR automation, and collections in a single solution. Rather than just helping sellers manage receivables, Resolve Pay advances cash against approved invoices within 1-2 business days while assuming credit risk through non-recourse financing. The seller gets paid immediately while buyers pay on Net 30, 60, or 90 terms.

The fundamental distinction lies in outcomes: traditional AR platforms help manage the wait for payment, enterprise networks optimize global payment infrastructure, and Resolve Pay eliminates the wait entirely while transferring credit risk away from sellers.

How Net Terms Financing is Reshaping B2B Commerce

The spectrum of B2B payment solutions spans from basic invoicing to full financing with risk transfer, with profound implications for cash flow and business growth.

Software-only approaches operate within a workflow optimization model, helping finance teams send invoices faster, automate payment reminders, and track aging receivables. These systems improve efficiency but do not change the fundamental cash flow equation. Sellers still wait 30-90 days for payment and still bear the risk of customer non-payment. While useful for organizing AR operations, software alone cannot solve working capital constraints.

Managed services approaches add human oversight to payment operations, handling buyer communications, dispute resolution, and collections on behalf of sellers. Platforms like TreviPay provide these services at enterprise scale across global operations. The managed model reduces internal staffing requirements but typically serves larger organizations with complex multi-country operations.

Non-recourse financing approaches like Resolve Pay fundamentally change the risk and cash flow equation. When a buyer is approved for net terms through Resolve Pay, the seller receives up to 90% of invoice value within 1-2 business days. If that approved buyer fails to pay, Resolve Pay absorbs the loss rather than the seller. This risk transfer enables sellers to extend generous payment terms to grow sales without exposing their business to bad debt.

The financing advantage compounds across multiple dimensions:

• Cash Flow: Receiving payment in 1-2 days versus 30-90 days dramatically improves working capital availability
• Risk Transfer: Non-recourse financing means approved invoice defaults become someone else's problem
• Sales Growth: Offering Net 30/60/90 terms wins business from competitors requiring payment upfront
• Scalability: Automated credit decisions and AR management enable growth without proportional headcount increases

Invoiced operates in the software-only category, providing AR automation that improves efficiency without changing when sellers get paid or who bears credit risk. TreviPay offers financing capabilities alongside managed services but primarily serves enterprise clients with global operations. Resolve Pay addresses the mid-market segment where manufacturers, distributors, and wholesalers need immediate cash flow and credit risk protection without enterprise complexity.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms and AR Automation

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and automated collections in an integrated solution.

The non-recourse financing model distinguishes Resolve Pay from competitors. When buyers receive credit approval, sellers can advance up to 90-100% of invoice value within 1-2 business days. If an approved buyer fails to pay, Resolve Pay assumes the default risk rather than the seller. This risk transfer enables sellers to extend competitive payment terms without exposing their balance sheet to bad debt.

Key platform capabilities include:

• AI Credit Engine that evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals
• Credit decisions typically within 24 hours, with instant approvals available for some purchases
• System requires only company name and address to begin evaluation, eliminating lengthy documentation requirements
• Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded net terms at checkout
• B2B buyers can apply for credit and check out with Net 30/60/90 terms directly on seller websites
• AR automation handling invoice generation synced from ERP systems
• Smart payment reconciliation using machine learning
• Real-time AR dashboards showing DSO, aging, and portfolio health
• Resolve Pay integrates with QuickBooks Online, NetSuite, Xero, and Sage Intacct to connect AR workflows with existing financial systems

Agentic Collections provides automated multi-channel follow-up sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response patterns, pausing automatically when payments or disputes are received. This automated approach preserves customer relationships while reducing days sales outstanding without requiring dedicated collections staff.

Platform Security and Payments

Resolve Pay combines credit, invoicing, payment workflows, and collections within its B2B payments platform. Sellers can accept ACH, wire, credit card, and check payments through a branded payment experience while managing receivables from a centralized system.

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. The platform works particularly well for:

• Companies needing to extend Net 30/60/90 terms to win business without straining cash flow
• Sellers wanting to eliminate credit risk through non-recourse financing
• B2B e-commerce businesses requiring embedded checkout net terms
• Organizations seeking to reduce AR workload through automation
• Distributors and wholesalers in HVAC, electrical, plumbing, industrial equipment, and similar verticals

Invoiced

Invoiced's Primary Focus

Invoiced positions itself as an accounts receivable automation platform focused on improving billing efficiency and collections workflows. The platform, now part of Flywire following its August 2024 acquisition, provides invoice management, payment acceptance, and AR reporting capabilities.

The platform's core strength lies in subscription and recurring billing capabilities. Invoiced offers advanced subscription billing features including custom, per-unit, tiered, and volume billing modes that serve SaaS companies and service businesses with recurring revenue models. This specialization makes Invoiced particularly relevant for companies billing on monthly or annual cycles rather than individual product shipments.

AR automation features include automated invoice generation, payment reminders, and collections sequences. The customer portal functionality enables buyers to view invoices, make payments, and manage their accounts through a branded interface. Integration with accounting systems including QuickBooks, NetSuite, Sage, and Xero keeps financial data synchronized.

Invoiced Platform Characteristics

• Financing capabilities: Invoiced does not provide invoice financing or cash advances, meaning sellers still wait for customer payment
• Credit risk: Sellers retain full credit risk for customer non-payment
• E-commerce integrations: More limited connectivity with B2B e-commerce platforms compared to Resolve Pay's native integrations
• Global capabilities: Multi-currency support through Flywire's international payment infrastructure

When Invoiced Fits Best

Invoiced serves businesses needing pure AR automation without financing requirements, particularly SaaS companies and service businesses with subscription billing models. The platform works well for organizations that:

• Need recurring billing and subscription management capabilities
• Want AR workflow automation without working capital needs
• Operate globally and need multi-currency invoice management
• Already have adequate cash flow and credit risk management processes

Apruve (Now Part of TreviPay)

TreviPay's Enterprise B2B Payment Network

Apruve, acquired by TreviPay in December 2022, now operates as part of TreviPay's enterprise B2B payments infrastructure. TreviPay brings decades of experience in commercial payments, serving large enterprises with global operations.

The combined platform focuses on enterprise-scale B2B payment networks with managed services including buyer onboarding, credit management, collections, and dispute resolution. TreviPay handles these functions as a fully managed service, reducing internal staffing requirements for large organizations processing high transaction volumes across multiple countries.

Payment settlement can occur in as little as 48 hours under TreviPay programs, depending on the program structure. Multi-currency and multi-country capabilities distinguish TreviPay for global enterprises. The platform supports international payment methods and regional compliance requirements across markets worldwide. Deep ERP integrations connect with enterprise systems including SAP and Oracle for organizations with complex technology environments.

TreviPay Platform Characteristics

• Target market: Large enterprises with global operations and high transaction volumes
• Implementation timeline: Enterprise implementations typically require longer timelines and IT resources
• Service model: Program structure is tailored to enterprise payment and receivables requirements
• Former Apruve customers: All Apruve users transitioned to TreviPay following the acquisition

When TreviPay Fits Best

TreviPay serves large enterprises requiring global B2B payment infrastructure, particularly organizations that:

• Operate across multiple countries with multi-currency requirements
• Need fully managed services for credit, collections, and dispute resolution
• Have complex ERP environments requiring deep integration
• Process high transaction volumes across enterprise payment workflows
• Previously used Apruve and transitioned to the TreviPay platform

Feature Comparison: Resolve Pay vs. Invoiced vs. TreviPay

Net Terms Financing and Cash Flow

The most significant difference among these platforms lies in how they address cash flow and credit risk.

Resolve Pay provides non-recourse financing that advances up to 90-100% of invoice value within 1-2 business days. Sellers receive immediate cash while buyers pay on Net 30, 60, or 90 terms. If approved buyers default, Resolve Pay absorbs the loss. This model fundamentally transforms cash flow by eliminating the wait for payment and transferring credit risk away from sellers.

Invoiced provides AR automation software without financing capabilities. Sellers using Invoiced still wait 30-90 days for customer payment and retain full credit risk for non-payment. The platform improves efficiency in managing receivables but does not change when cash arrives or who bears default risk.

TreviPay offers non-recourse options for enterprise clients with 48-hour settlement timeframes. The platform provides financing capabilities alongside managed services but primarily serves large organizations with global operations rather than mid-market sellers.

Credit Decisioning and Risk Assessment

Resolve Pay's AI Credit Engine evaluates buyers using company name and address, delivering decisions typically within 24 hours. The system analyzes thousands of data points including cash flow trends, payment history, and behavioral signals. Quiet credit checks do not notify buyers or impact credit scores, reducing friction in the sales process.

Invoiced includes tools such as customer credit limits and credit holds within its AR workflows. Resolve Pay takes a different approach by combining buyer credit decisioning with net terms financing and receivables management in one platform.

TreviPay offers enterprise-grade credit decisioning with real-time to near real-time approval capabilities. The platform's underwriting supports non-recourse financing for approved transactions within its enterprise programs.

AR Automation and Collections

Resolve Pay combines AR automation with agentic collections in an integrated platform. The system automates invoice generation, payment reconciliation using machine learning, and real-time AR dashboards. Multi-channel collections sequences across email, SMS, and voice AI use intelligent escalation while preserving customer relationships. Customers report up to 90% reduction in AR workload.

Invoiced focuses specifically on AR automation as its core capability. The platform provides invoice management, payment reminders, collections workflows, and customer portal functionality. The subscription billing features serve recurring revenue businesses particularly well.

TreviPay provides managed collections services where their team handles buyer communications, dispute resolution, and follow-up on behalf of sellers. This white-glove approach reduces internal staffing requirements but operates differently from automated self-service models.

E-Commerce and Integration Capabilities

Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded net terms checkout. B2B buyers can apply for credit and purchase with deferred payment terms directly on seller websites. Most teams can launch in under a week, with timing depending on the systems and integration requirements involved. Resolve Pay integrates with QuickBooks Online, NetSuite, Xero, and Sage Intacct to connect receivables data with existing accounting and ERP workflows.

Invoiced provides accounting system integrations but more limited e-commerce platform connectivity. The platform connects with QuickBooks, NetSuite, Sage, and Xero for financial data synchronization.

TreviPay integrates with enterprise commerce platforms and ERPs including SAP and Oracle. The focus on enterprise environments means deeper capabilities for complex technology stacks but longer implementation timelines.

Geographic Coverage and Currency Support

Resolve Pay focuses primarily on the US and Canada markets, serving the North American mid-market B2B segment. The platform handles the primary currencies and payment methods relevant to domestic manufacturers, distributors, and wholesalers.

Invoiced gained expanded global capabilities through its Flywire acquisition, providing multi-currency support for international invoicing and payment acceptance.

TreviPay offers the broadest global coverage with multi-currency, multi-country operations and regional payment method support worldwide.

Success Stories: Resolve Pay Customer Outcomes

Resolve Pay customers demonstrate measurable results across revenue growth, operational efficiency, and cash flow improvement.

Revenue and Pipeline Growth

• SS&SI Dealer Network achieved 5x revenue growth by leveraging Resolve Pay's net terms financing to expand customer purchasing power
• ConEquip (construction equipment) reported 30% year-over-year growth after implementing Resolve Pay's integrated platform
• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours and offering 20x higher credit lines
• Nandansons achieved 75% growth through partnership with Hammer Commerce agency using Resolve Pay

Operational Efficiency

• Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours
• Elston Materials (concrete supplier) increased margins from 25% to 30%, a 5-point improvement
• TrueCable now receives response times under 24 hours on credit approvals
• Marshall Wolf Automation streamlined B2B payments and scaled operations through the integrated platform

Cash Flow and Risk Management

• Customers report 50-60% DSO reduction through faster payment collection and non-recourse financing
• RentAll Construction noted "quicker receivables directly contributing to healthier cash flow management"
• Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently before Resolve Pay

These results demonstrate how non-recourse financing combined with AR automation enables growth that pure software solutions cannot deliver. The combination of immediate cash flow, eliminated credit risk, and reduced operational burden creates compounding benefits for B2B sellers.

Why Resolve Pay Fits Growing B2B Sellers

Resolve Pay brings net terms financing, credit decisioning, accounts receivable automation, payments, integrations, and collections into one B2B platform. This makes it especially relevant for manufacturers, distributors, wholesalers, and other B2B sellers that want to offer flexible payment terms without forcing their own cash flow to follow the buyer's payment schedule.

Key Resolve Pay capabilities include:

• Non-recourse net terms financing on approved invoices
• Fast invoice advances that can improve access to working capital
• Embedded ecommerce checkout for Shopify, BigCommerce, WooCommerce, and Magento
• AI-supported credit decisioning integrated with the sales and AR workflow
• AR automation and reconciliation across invoices and payments
• Agentic collections using coordinated email, SMS, voice, and payment-portal workflows
• ERP and accounting integrations for systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite

For growing B2B sellers, Resolve Pay's main distinction is that these capabilities operate together rather than treating financing, credit, payments, and receivables as separate workflows.

Frequently Asked Questions

How Does Resolve Pay Improve B2B Cash Flow?

Resolve Pay combines non-recourse net terms financing with accounts receivable workflows. Approved invoices can qualify for advance payments while buyers retain their agreed net terms, helping sellers improve access to working capital without waiting for the full payment period.

How does Resolve Pay's AI credit engine work?

Resolve Pay's AI Credit Engine evaluates buyer creditworthiness using only company name and address as inputs. The system analyzes thousands of data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions typically within 24 hours. Quiet credit checks do not notify buyers or impact credit scores.

Can Resolve Pay integrate with my existing ERP or accounting software?

Yes, Resolve Pay provides accounting and ERP integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Integration capabilities vary by platform, with supported syncing and API options helping reduce manual data entry and keep receivables workflows connected.

Does Resolve Pay handle collections, and how does it maintain customer relationships?

Resolve Pay's Agentic Collections uses automated multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system pauses automatically when payments or disputes are received, avoiding unnecessary follow-up that could damage relationships.

What Payment Methods Does Resolve Pay Support?

Resolve Pay supports common B2B payment methods including ACH, wire transfers, credit cards, and checks through its payment workflows and branded buyer portal. This gives business buyers several ways to settle invoices while sellers manage payment activity within the same receivables platform.

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.