Selecting the right accounts receivable automation platform determines how efficiently your B2B business manages cash flow, extends credit to buyers, and collects payments. While Invoiced focuses on AR automation with global payment infrastructure and Gaviti emphasizes collections and invoice-to-cash workflows, Resolve Pay combines non-recourse invoice financing with comprehensive AR automation. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow needs, operational requirements, and growth objectives.
When B2B companies evaluate accounts receivable platforms, the choice between pure AR software and integrated financing solutions becomes critical. For B2B companies extending payment terms, cash-flow timing can become an important operational consideration when receivables remain outstanding. Three distinct approaches represent different philosophies: Invoiced operates as a global AR automation platform, Gaviti functions as a collections-focused solution, and Resolve Pay combines non-recourse invoice financing with comprehensive AR workflow automation.
The accounts receivable technology market encompasses distinct categories serving different business objectives. Pure AR automation platforms like Invoiced and Gaviti function as workflow management systems for finance teams. These platforms provide invoice generation, payment reminders, collections sequences, and reconciliation tools that help AR departments manage daily activities. The value proposition centers on improving team productivity through workflow automation and visibility. These platforms primarily focus on receivables operations such as invoicing, collections, payment acceptance, and reconciliation. Resolve Pay adds eligible invoice financing to its AR automation capabilities, giving sellers another way to manage cash-flow timing.
Integrated financing platforms like Resolve Pay represent a different approach. Rather than only automating AR tasks, Resolve Pay provides eligible invoice advances while handling downstream payment and collection activities. Sellers can offer approved buyers flexible net terms while Resolve Pay provides eligible invoice advances, with funding potentially reaching the seller within one business day. Advance amounts depend on the approved buyer and invoice.
The fundamental distinction is product scope: Invoiced and Gaviti center on invoice-to-cash automation, while Resolve Pay combines AR automation with eligible non-recourse invoice advances.
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and transferring credit risk on approved invoices. The platform serves over 15,000 businesses across North America with a solution built by former executives from Affirm, Amazon, and PayPal.
The net terms financing capability distinguishes Resolve Pay from pure AR automation tools. Sellers can offer approved buyers flexible net terms while Resolve Pay provides eligible invoice advances, with funding potentially reaching the seller within one business day. Advance amounts depend on the approved buyer and invoice. This non-recourse structure means Resolve Pay assumes applicable default risk on approved invoices, not the seller.
AI-Powered Credit Decisions: The AI Credit Engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions can arrive within 24 hours, with instant approvals available for qualifying purchases. Dynamic credit lines adjust based on payment history, and quiet credit checks ensure buyers experience no notification or credit score impact.
AR Automation Features:
Agentic Collections: Agentic Collections handles payment follow-ups through multi-channel automated sequences including email, SMS, and AI-powered voice calls. The system uses intelligent escalation based on buyer response patterns and payment history, pausing automatically when payments or disputes arrive. This approach preserves customer relationships through professional communication.
B2B Payment Portal: The B2B Payment Portal provides buyers with a branded dashboard showing invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, maintaining the seller's brand throughout the buyer journey.
E-commerce Integrations: Native e-commerce integrations support Shopify, BigCommerce, Magento 2, and WooCommerce, enabling net terms directly at checkout. According to U.S. Census Bureau data, B2B e-commerce continues growing, making checkout-integrated financing increasingly valuable. Implementation can be completed quickly for supported integrations.
Resolve Pay serves mid-market B2B sellers needing cash flow improvement beyond collection efficiency, companies offering net terms who want credit risk protection on approved invoices, e-commerce businesses requiring embedded financing at checkout, and teams wanting to reduce AR workload while improving collections performance.
Invoiced positions itself as an accounts receivable automation platform with global payment infrastructure. The platform was acquired by Flywire in 2024 and reports moving $37.5 billion annually with 414 G2 reviews. Invoiced emphasizes AR automation, payments, and ERP or accounting-system connectivity.
Invoiced supports global payments, including 1,200+ local payment options across 140+ currencies and 240+ countries and territories. This infrastructure serves organizations managing domestic and cross-border receivables.
Collections Automation: Collections features include Smart Chasing that automates follow-up sequences, while CashMatch AI supports AI-assisted cash application and payment matching. The platform reports helping customers reduce DSO by an average of 14 days and decrease time spent on manual tasks by 70%.
Additional Capabilities:
Invoiced combines AR workflow automation with global payment infrastructure for organizations managing domestic and cross-border receivables.
Gaviti operates as a mid-market AR collections automation platform with emphasis on workflow customization. The platform facilitates billions in receivables annually and earned recognition on G2's 2026 Top 50 Accounting & Finance Products list with 190 reviews and a 4.4/5 rating. Gaviti emphasizes invoice-to-cash automation and ERP connectivity.
Gaviti supports unlimited users and workflows as part of its AR automation platform. Workflow customization is an important part of Gaviti's offering, allowing teams to configure AR processes around organizational requirements.
Collections Automation: Collections features include AI-powered follow-up sequences, a customer self-service portal with zero-fee ACH payments, credit monitoring capabilities, and dedicated dispute management. Gaviti also provides automated cash application capabilities designed to match and reconcile incoming payments.
Additional Capabilities:
Gaviti focuses on invoice-to-cash workflow automation, including collections, credit management, cash application, disputes, and payment workflows.
Resolve Pay offers non-recourse invoice advancement on eligible approved invoices, with funding potentially available within one business day. The seller receives immediate cash while buyers pay on Net 30, 60, or 90 terms. Resolve Pay assumes applicable credit risk on approved invoices, eliminating bad debt concerns for sellers on covered transactions.
Resolve Pay's AI Credit Engine delivers credit decisions within 24 hours using proprietary analysis of thousands of buyer data points. The system evaluates cash flow trends, payment history, and behavioral signals to determine creditworthiness. Dynamic credit lines adjust based on ongoing payment performance, and quiet credit checks avoid notifying buyers or impacting credit scores.
Invoiced and Gaviti do not provide invoice financing or credit risk protection. Invoiced does not offer integrated credit decisioning, while Gaviti provides credit monitoring and tracking capabilities for existing customers.
All three platforms automate receivables workflows. Resolve Pay adds non-recourse financing on eligible approved invoices, combining collections automation with applicable credit-risk protection.
Resolve Pay's Agentic Collections combines AI-powered automation with non-recourse protection on eligible invoices. The system executes multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer behavior. Because Resolve Pay absorbs credit risk on approved invoices, the collections approach prioritizes relationship preservation.
Invoiced offers Smart Chasing automation that sequences follow-up communications based on invoice aging. The platform reports 70% time savings on manual collection tasks and 45% fewer billing inquiries through automated processes.
Gaviti emphasizes collections automation with highly customizable workflow sequences and dedicated dispute management modules, reporting significant decreases in late invoices through automated follow-up.
Resolve Pay provides e-commerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. These integrations enable net terms directly at checkout, allowing buyers to select payment terms during purchase. The platform won the 2025 BigCommerce Innovative Integration Award for this capability.
Resolve Pay supports ERP and accounting integrations, including direct documented integrations with QuickBooks Online and NetSuite, plus additional accounting-system connectivity and API options.
Invoiced provides native connections to NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, Xero, and Workday, with an Integration Studio supporting 1,000+ additional applications.
Gaviti supports multi-ERP connectivity including NetSuite, QuickBooks, Xero, Sage Intacct, and custom ERP systems. The platform can connect to multiple systems simultaneously for organizations with fragmented finance stacks. All three platforms support major accounting and ERP workflows, while their integration approaches and supported systems differ.
Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other sellers that want to connect net terms, credit decisioning, eligible non-recourse invoice advances, payments, reconciliation, and collections in one workflow.
Key capabilities include:
For B2B sellers that need more than standalone invoice-to-cash automation, Resolve Pay brings financing and receivables operations together so teams can offer flexible payment terms without making extended buyer payment cycles the center of their cash-flow strategy.
Customer results demonstrate pipeline impact: SS&SI Dealer Network achieved 5x revenue growth, ConEquip reported 30% year-over-year growth, Archipelago Lighting tripled revenue while reducing approval time from 10 days to 24 hours, and Trenchless Supply reduced AR workload by 90%.
Resolve Pay offers non-recourse financing on eligible approved invoices. Resolve Pay advances funds to the seller, the buyer pays according to the approved net terms, and Resolve Pay assumes the applicable covered default risk rather than requiring the seller to repay the advance if the approved buyer defaults.
Resolve Pay supports e-commerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. Its current developer documentation also supports direct ERP integrations with QuickBooks Online and NetSuite, while APIs and other integration options support additional workflows.
Resolve Pay's business credit checks can return results within 24 business hours. Qualified buyers in certain e-commerce workflows may receive decisions within hours or seconds. Quiet business credit checks can be performed without notifying the buyer or affecting the buyer's credit score.
Eligible approved invoices can qualify for Advance Pay, with current Resolve Pay materials stating that funds may reach the seller within one business day. Advance availability and amounts depend on buyer verification, underwriting, and invoice eligibility.
Resolve Pay combines invoicing, payment reconciliation, credit workflows, payment reminders, collections, and AR visibility in one platform. Its accounts receivable automation and agentic collections capabilities help finance teams reduce repetitive work while maintaining visibility across the receivables lifecycle.
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.