Resolve Pay vs Invoiced vs Billie

Selecting the right B2B payment platform can determine whether your business thrives with healthy cash flow or struggles waiting 30 to 90 days for buyer payments. While Invoiced offers AR automation software for enterprises and Billie provides European checkout-based BNPL, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences between pure software tools, regional payment solutions, and integrated financing platforms helps mid-market B2B sellers choose the approach that matches their cash flow needs and growth objectives.

Key Takeaways

• Resolve Pay is the only North American platform combining net terms financing with AR automation, enabling sellers to offer Net 30/60/90 terms while receiving immediate cash advances up to 90-100% of invoice value within 24 hours
• Resolve Pay's 100% non-recourse model transfers credit risk entirely to the platform, meaning sellers keep their advance even if approved buyers default, while Invoiced offers no financing and Billie primarily serves supported European buyer markets
• Invoiced functions as pure AR automation software with 140+ currencies and enterprise ERP integrations, but suppliers using it still wait the full payment term for buyer payments with no cash advance option
• Billie provides checkout-embedded B2B BNPL with credit decisioning, merchant default protection, payment reminders, and post-purchase collections support, while Resolve Pay combines net terms financing with broader AR automation
• Resolve Pay achieves a 5.0/5 G2 rating with ease of use scored at 9.8/10, outperforming category averages while providing plug-and-play integrations with Shopify, BigCommerce, WooCommerce, Magento, NetSuite, and QuickBooks
• 15,000+ businesses actively use Resolve Pay's platform, with customers reporting up to 90% reduction in AR workload and 35% DSO reduction through automated credit decisioning, collections, and reconciliation

Understanding B2B Invoicing and Payments: Resolve Pay, Invoiced, and Billie

The B2B payments landscape encompasses three distinct approaches to solving cash flow and receivables challenges. Resolve Pay, Invoiced, and Billie each serve different operational models, and understanding these differences helps revenue leaders select solutions aligned with their growth stage and execution capacity.

The Role of Modern Invoicing Software

B2B sellers face a fundamental tension: buyers expect extended payment terms (Net 30, 60, or 90 days), but sellers need cash to fund operations, inventory, and growth. Traditional approaches force sellers to choose between competitive terms that strain cash flow or restrictive payment policies that lose sales.

Modern invoicing and payment platforms address this tension through different mechanisms:

• AR automation software (like Invoiced) streamlines invoice generation, payment reminders, and reconciliation, reducing manual work but not accelerating cash collection
• B2B BNPL solutions (like Billie) offer deferred payment options at checkout, typically paying merchants at shipment while buyers pay later
• Integrated net terms financing platforms (like Resolve Pay) combine AR automation with invoice advances, giving sellers immediate cash while buyers enjoy extended terms

Addressing Accounts Payable Challenges

For B2B sellers evaluating these platforms, the critical question is whether you need tools that make waiting for payments more efficient or solutions that eliminate the waiting entirely.

Invoiced excels at making the wait more productive through sophisticated dunning workflows, automated reminders, and multi-entity reporting. The platform helps AR teams manage large invoice portfolios with AI-powered features like Smart Chasing and CashMatch AI for payment matching.

Billie addresses the cash timing gap through checkout-embedded B2B BNPL, with merchant payouts after fulfillment and buyer payment terms that vary by agreement. Billie also supports post-purchase payment reminders and collections, while its core positioning remains centered on B2B payment and BNPL experiences.

Resolve Pay takes a different approach by combining both elements: immediate cash advances through non-recourse financing plus complete AR automation including agentic collections, payment reconciliation, and credit management. This integrated model eliminates the need for separate financing sources and AR software.

Key Features of B2B Payment Solutions

When evaluating B2B payment platforms, the feature categories that matter most include:

• Cash acceleration: Resolve Pay advances up to 90-100% within 24 hours; Invoiced provides no financing; Billie pays merchants after fulfillment
• Credit risk management: Resolve Pay offers 100% non-recourse protection; Billie provides default protection on approved European transactions; Invoiced offers no risk transfer
• Automation depth: Resolve Pay delivers complete AR automation; Invoiced focuses on enterprise AR workflows; Billie provides payment-focused automation with post-purchase support
• Integration coverage: All three platforms connect with major tech stacks, though integration models differ
• Geographic availability: Resolve Pay serves North American B2B sellers; Billie focuses on supported European buyer markets; Invoiced supports global currency handling

The sections below examine how Resolve Pay, Invoiced, and Billie perform across each of these dimensions.

Resolve Pay: Non-Recourse Net Terms, AI Credit, and AR Automation

Resolve Pay operates as an integrated B2B payments platform enabling manufacturers, distributors, and wholesalers to offer competitive net terms while eliminating cash flow constraints and credit risk. The platform combines net terms financing, AI-powered credit decisioning, and accounts receivable automation in a single solution.

Resolve Pay's Unique Non-Recourse Model

The cornerstone of Resolve Pay's value proposition is 100% non-recourse invoice financing. When sellers offer Net 30/60/90 terms through Resolve Pay:

• Resolve Pay advances up to 100% of invoice value within 24 hours, often same-day
• The remaining balance is released when the buyer pays
• If an approved buyer defaults, the seller keeps the advance, as Resolve Pay assumes the credit risk entirely
• Sellers gain immediate working capital without the 30-90 day wait that strains cash flow

This non-recourse structure differentiates Resolve Pay from recourse factoring arrangements, where sellers may remain responsible for repurchasing or repaying invoices that their customers fail to pay, and from AR software that does not provide invoice financing.

Automating Credit Decisions with AI

Resolve Pay's AI Credit Engine evaluates thousands of buyer data points for credit approval decisions in under 24 hours, with instant approvals available for qualifying purchases. The system analyzes:

• Cash flow trends and payment history
• Behavioral signals and credit indicators
• Real-time business data from multiple sources

This AI-powered approach replaces manual trade reference calls and spreadsheet-based credit management. Buyers receive "quiet" credit checks that do not impact their credit scores or notify them of the evaluation, creating a friction-free purchasing experience.

Dynamic credit lines adjust automatically based on buyer payment performance, enabling trusted customers to grow their purchasing capacity over time without manual intervention.

Streamlining Accounts Receivable

Beyond financing, Resolve Pay delivers comprehensive AR automation that reduces manual receivables work by up to 90%:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match payments to invoices automatically
• Real-time AR dashboards showing DSO, aging, and portfolio health metrics
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
• Multi-channel agentic collections via email, SMS, and voice AI with intelligent escalation

The agentic collections capability preserves customer relationships through professional, friendly outreach that pauses automatically when payments or disputes are received. All interactions log to invoice records automatically, creating complete audit trails.

Platform Credentials and Reach

Resolve Pay's credibility markers include:

• SOC 2 Type II attested security controls
• 2025 BigCommerce Innovative Integration Award winner
• Founded as an Affirm spinout with leadership from Affirm, PayPal, and Amazon
• 15,000+ businesses actively using the platform

Customer success stories demonstrate measurable impact:

• Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours
• ConEquip achieved 30% year-over-year growth through the platform
• Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours

Invoiced: Enterprise AR Automation Software

Invoiced positions itself as accounts receivable automation software for mid-market and enterprise organizations. The platform focuses on streamlining AR workflows, automating collections, and providing analytics for finance teams managing large invoice portfolios.

Core AR Automation Features

Invoiced's platform centers on making AR teams more productive through:

• Smart Chasing: Multi-channel dunning automation that sequences reminders across email and other channels based on invoice aging and customer behavior
• CashMatch AI: Automated payment matching that uses AI to reconcile incoming payments against open invoices
• Advanced reporting: DSO tracking, aging analysis, and multi-entity consolidated dashboards
• Payment portal: Customer-facing interface for viewing and paying invoices

The platform integrates deeply with enterprise ERP systems including NetSuite, Dynamics 365, Sage, QuickBooks, Xero, and Workday, supporting organizations with complex multi-entity structures.

Global Payment Support

Invoiced distinguishes itself through international capabilities:

• 140+ currencies supported for global receivables management
• 1,200+ local payment methods across regions
• Multi-entity reporting for consolidated AR visibility

For enterprises selling internationally and needing sophisticated currency handling, these capabilities represent a genuine strength.

What Invoiced Does Not Offer

The fundamental characteristic of Invoiced is the absence of any financing component:

• Suppliers using Invoiced still wait 30-90 days for buyer payments
• Sellers bear full default risk on unpaid invoices
• No non-recourse protection available

This means Invoiced solves for AR efficiency but not for cash flow timing. A seller using Invoiced faces the same working capital constraints as one managing invoices manually, just with less paperwork.

Billie: European B2B BNPL at Checkout

Billie operates as a B2B Buy Now, Pay Later provider focused on European e-commerce checkout experiences. The platform embeds payment terms directly into the purchase flow, enabling instant credit decisions at the point of sale.

European Market Coverage

Billie has established presence across 11 European countries including Germany, Austria, France, Netherlands, Sweden, UK, Switzerland, Norway, Denmark, Finland, and Spain. The platform integrates with major European payment gateways including Stripe, Adyen, and Mollie.

For European B2B merchants wanting checkout-embedded payment terms, Billie provides:

• Real-time credit decisions at checkout for buyer approvals
• Merchant payment after fulfillment
• Default and fraud risk coverage on approved transactions

Billie's Geographic and Product Focus

Billie's business model creates specific characteristics:

• European buyer-market focus: Billie primarily supports transactions involving eligible business buyers in its supported European markets
• Flexible payment terms: Billie documents terms ranging from 7 to 120 days depending on the merchant agreement and payment solution
• Post-purchase support: Billie handles payment reminders and offers professional dunning and collections services, while Resolve Pay provides broader AR automation across invoicing, reconciliation, collections, and reporting
• Multiple integration paths: Billie supports direct API, SDK, and shop-plugin integrations as well as integrations through partners such as Stripe, Adyen, Mollie, Klarna, and Kustom

Review Performance

Billie maintains a 4.3/5 rating on TrustPilot from 949 reviews, indicating solid customer satisfaction within its European market.

Comparing Core Features: Resolve Pay vs. Competitors

The practical differences between these platforms become clear when examining specific capabilities that impact daily operations and financial outcomes.

Credit Risk Management Comparison

How each platform handles the risk of buyer non-payment:

Resolve Pay:

• 100% non-recourse on approved invoices
• Seller keeps advance even if buyer defaults
• Credit risk fully transferred to Resolve Pay
• No bad debt impact on seller balance sheet

Invoiced:

• No credit risk management (pure software)
• Seller bears full default risk
• Bad debt remains seller's responsibility
• No risk transfer mechanism available

Billie:

• Default protection on approved transactions
• Merchant protected from buyer non-payment
• Payment terms vary by agreement, with options extending up to 120 days
• Primarily focused on supported European buyer markets

For North American B2B sellers, Resolve Pay offers the only option combining credit risk protection with flexible net terms and AR automation.

Speed of Funding: A Key Differentiator

Cash conversion speed varies dramatically across platforms:

Resolve Pay:

• 24-hour advances, often same-day funding
• Up to 90-100% of invoice value advanced
• Remaining balance released at buyer payment
• Continuous cash flow regardless of buyer payment timing

Invoiced:

• No funding capability
• Sellers wait full payment term (30-90 days)
• Cash conversion tied entirely to buyer behavior
• Working capital constraints persist

Billie:

• Merchant paid after fulfillment
• Immediate funding on approved transactions
• Primarily focused on supported European buyer markets
• Merchant eligibility and transaction availability depend on the selected integration and buyer market

Platform Integration and Automation

Integration capabilities determine implementation complexity and ongoing operational efficiency:

Resolve Pay Integrations:

• E-commerce: Shopify, BigCommerce, WooCommerce, Magento
• ERP/Accounting: NetSuite, Sage Intacct, QuickBooks Online, Xero
• REST API with webhooks and sandbox for custom implementations
• Most teams launch in under one week

Invoiced Integrations:

• Deep enterprise ERP connections (Workday, Dynamics 365, NetSuite)
• QuickBooks, Xero, Sage support
• 1,000+ app integrations via no-code tools
• Implementation requirements depend on ERP connections, organizational complexity, and configuration needs

Billie Integrations:

• Direct API, SDK, and shop-plugin integrations
• Payment gateway partnerships (Stripe, Adyen, Mollie)
• E-commerce: Shopware, WooCommerce, JTL
• Implementation varies by integration method

Advanced AR Automation and Collections Capabilities

Beyond basic invoicing, the depth of AR automation significantly impacts operational efficiency and customer relationships. Resolve Pay and Invoiced approach AR automation differently, while Billie focuses on payment and post-purchase workflows.

Beyond Basic AR: Intelligent Automation

Resolve Pay's AR automation goes beyond simple invoice generation and reminders:

• ML-powered payment matching automatically reconciles incoming payments to open invoices without manual intervention
• Real-time AR dashboards provide instant visibility into DSO, aging buckets, and portfolio health
• Two-way ERP sync ensures invoice and payment data flows automatically between systems
• Automated bookkeeping eliminates manual journal entries and reconciliation tasks

This automation delivers the 90% reduction in AR workload that customers report, freeing finance teams to focus on strategic activities rather than data entry and follow-up.

Invoiced provides similar AR automation depth for enterprise teams, with sophisticated multi-entity reporting and advanced dunning workflows designed for large invoice portfolios. Billie's automation centers on payment workflows, credit decisioning, and post-purchase reminders and collections.

The Power of Agentic Collections

Resolve Pay's agentic collections capability represents a significant advancement over traditional dunning:

• Multi-channel sequences: Automated outreach via email, SMS, and voice AI with configurable timing
• Intelligent escalation: System automatically escalates based on buyer response patterns and payment history
• Relationship preservation: Professional, friendly tone maintains customer relationships unlike aggressive collection tactics
• Automatic pausing: Sequences halt immediately when payments or disputes are received
• Complete logging: All interactions recorded to invoice records for audit trails

The hybrid model combining AI agents with human oversight ensures consistent, timely follow-up while maintaining the personal touch that B2B relationships require.

ERP and Accounting Integrations

For NetSuite users, Resolve Pay offers:

• Automated invoice sync from NetSuite to Resolve Pay
• Payment status updates flowing back to NetSuite
• Credit line information available within existing workflows
• Reconciliation data syncing automatically

Similar depth is available for QuickBooks Online, Sage Intacct, and Xero users, with native integrations requiring minimal configuration.

Flexible Payment Portals and Customer Experience

The buyer experience impacts sales conversion, customer satisfaction, and repeat purchase rates. Each platform approaches the buyer experience differently based on its core positioning.

Branded Payment Experiences

Resolve Pay provides a white-labeled B2B payment portal that maintains seller brand identity throughout the buyer journey:

• Branded buyer dashboard showing all invoices, credit lines, and payment history
• Self-serve payment plans allowing buyers to manage their accounts independently
• Dispute flagging enabling buyers to raise issues directly through the portal
• Mobile-responsive design supporting access from any device

This white-label approach ensures buyers associate the payment experience with the seller's brand rather than a third-party platform.

Supporting Diverse Payment Methods

Resolve Pay accepts multiple payment rails to accommodate buyer preferences:

• ACH
• Wire transfer
• Credit card
• Check

These payment options give buyers flexibility while keeping payment activity within Resolve Pay's branded payment experience.

Integration with E-Commerce Platforms

For sellers with online B2B stores, Resolve Pay offers embedded checkout experiences:

• Shopify integration: Net terms available at checkout without leaving the cart
• BigCommerce integration: 2025 Innovative Integration Award-winning app
• WooCommerce integration: Seamless net terms for WordPress-based stores
• Magento integration: Enterprise e-commerce support

These integrations enable instant buyer credit approval during checkout, converting quote-to-order without friction. Billie similarly embeds payment terms into checkout flows for supported European markets, while Invoiced provides payment portals for invoice viewing and payment.

Target Industries and Market Positioning: Resolve Pay's Niche

Each platform serves different market segments, and understanding this positioning helps buyers select the right fit.

Who Benefits Most from Resolve Pay?

Resolve Pay focuses on mid-market B2B sellers with $1M+ annual revenue in:

• Manufacturing: Industrial equipment, metal fabrication, packaging equipment
• Wholesale distribution: HVAC parts, electrical supplies, plumbing supplies
• Supply industries: Building materials, safety equipment, janitorial supplies
• Medical/pharmaceutical distribution: Diagnostic equipment, surgical supplies

These industries share common characteristics: high-value B2B transactions, buyer expectations for extended payment terms, and the working capital strain that net terms create for sellers.

Customer outcomes in these industries include:

• Elston Materials increased margins from 25% to 30% through improved cash flow
• Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently
• SS&SI Dealer Network achieved 5x revenue growth using the platform

Global vs. Local Focus: Billie's European Reach

Billie's geographic coverage is centered on supported European buyer markets, while Resolve Pay focuses on B2B sellers using its North American net terms and AR workflows. For European merchants selling within supported markets, Billie provides local payment method support and established payment gateway partnerships.

Tailored Solutions for Specific B2B Sectors

Resolve Pay has developed industry-specific expertise through its focus on distribution and manufacturing:

• HVAC parts distribution: Addressing seasonal cash flow challenges
• Electrical supply: Supporting high-volume, repeat purchase patterns
• Construction equipment: Managing large ticket sizes with extended terms
• Industrial fasteners: Automating high-SKU count receivables

This vertical expertise translates to faster implementation and better-tuned credit models for these industries.

Implementation for B2B Payment Solutions

Implementation requirements vary by platform, existing systems, and the integration method selected.

Seamless Integration and Deployment

Implementation timelines differ significantly:

Resolve Pay:

• Most teams launch in under one week
• Plug-and-play integrations for major platforms
• REST API with sandbox for custom implementations
• Minimal IT resources required

Invoiced:

• Implementation requirements depend on ERP connections, organizational complexity, and configuration needs
• Supports integrations with enterprise finance and accounting systems

Billie:

• Implementation varies by integration method
• Supports direct API, SDK, shop-plugin, and partner-based integrations

Why Resolve Pay Fits B2B Sellers

Resolve Pay brings net terms financing, credit decisioning, accounts receivable automation, payment workflows, and collections into one platform. This model is particularly relevant for B2B manufacturers, distributors, wholesalers, and other sellers that want to offer flexible terms while improving cash-flow predictability and reducing manual receivables work.

Key capabilities include:

• Non-recourse protection on eligible approved advances
• Fast access to invoice advances while buyers retain approved payment terms
• AI-powered buyer credit assessment
• Automated invoicing, reconciliation, and collections workflows
• Integrations with major ecommerce, accounting, and ERP platforms
• A branded payment experience supporting multiple payment methods

Invoiced remains positioned around enterprise accounts receivable automation, while Billie focuses on B2B payment and BNPL experiences for supported European buyer markets. Resolve Pay's differentiator is bringing financing and broader AR operations together for B2B sellers.

If eliminating credit risk is a priority, Resolve Pay offers 100% non-recourse protection for North American sellers. The non-recourse model means no reserve holdbacks reducing cash advance amounts, no liability if approved buyers default, cleaner balance sheets, and confidence to extend terms to new customers.

Operating separate systems for credit checking, AR automation, payment processing, and financing creates complexity and data silos. Resolve Pay's integrated approach delivers a single vendor relationship, unified data across credit and payments, consistent buyer experience, and lower total cost than assembling point solutions.

For teams currently using separate tools for business credit checks, invoice generation, payment collection, and working capital financing, consolidation to Resolve Pay simplifies operations significantly. As transaction volumes grow, Resolve Pay's automation scales without proportional headcount increases, with 90% reduction in AR workload reported by customers.

Frequently Asked Questions

How does Resolve Pay's non-recourse financing benefit B2B sellers?

Non-recourse financing means Resolve Pay assumes the credit risk on approved invoices. If an approved buyer fails to pay, the seller keeps the advance payment rather than being liable for a buyback or reserve holdback. This protects sellers from bad debt, enables them to extend terms to new customers with confidence, and keeps contingent liabilities off their balance sheet.

Can Resolve Pay integrate with my existing e-commerce and accounting systems?

Yes, Resolve Pay offers native integrations with major e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, plus accounting and ERP systems including NetSuite, Sage Intacct, QuickBooks Online, and Xero. These integrations enable two-way data sync for invoices, payments, and reconciliation. Most teams complete implementation and launch in under one week through plug-and-play connectors.

What kind of businesses are best suited for Resolve Pay's platform?

Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical device distributors, and construction materials companies. These businesses benefit most because they face buyer expectations for extended payment terms while needing immediate cash flow for operations and inventory.

How quickly can Resolve Pay approve buyer credit applications?

Resolve Pay's AI Credit Engine delivers credit decisions in under 24 hours, with instant approvals available for qualifying purchases. The system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals without impacting buyer credit scores or alerting them to the check. This speed compares favorably to traditional manual credit processes and enables faster sales cycles.

Does Resolve Pay handle collections or does the seller retain that responsibility?

Resolve Pay provides complete agentic collections automation as part of its platform. The system executes multi-channel collection sequences via email, SMS, and voice AI with intelligent escalation based on buyer response patterns. Collections pause automatically when payments or disputes are received, and all interactions are logged to invoice records. This hybrid AI and human model preserves customer relationships while reducing DSO.

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.