Selecting the right B2B payment and accounts receivable solution directly impacts your cash flow, credit risk exposure, and operational efficiency. While Invoiced focuses on AR automation workflows and Kriya serves businesses with invoice finance and embedded payment solutions, Resolve Pay delivers a complete platform combining non-recourse net terms financing, AI-powered credit decisioning, and automated collections for US-based manufacturers, distributors, and wholesalers.
Understanding the fundamental differences between these platforms helps mid-market B2B sellers choose the approach that matches their growth objectives and operational requirements. Each platform serves distinct needs within the order-to-cash cycle, with varying approaches to financing, automation, geographic focus, and integration capabilities.
The B2B payment technology market encompasses platforms serving fundamentally different operational models. Each approach addresses specific challenges in the order-to-cash cycle, but the scope and execution philosophy vary significantly.
Net terms financing platforms like Resolve Pay enable sellers to offer deferred payment terms (Net 30/60/90) to business buyers while receiving immediate cash and offloading credit risk. The value proposition centers on accelerating cash flow without waiting 30 to 90 days for customer payments. Sellers can offer competitive terms to win business without straining working capital.
AR automation platforms like Invoiced focus on streamlining invoice-to-cash workflows through automated invoice generation, payment reminders, dunning sequences, and reconciliation. These platforms improve finance team productivity but require sellers to wait for customers to pay and retain full credit risk on their receivables.
Invoice finance providers like Kriya allow businesses to borrow against outstanding invoices or offer embedded payment terms to buyers. This approach may involve facility minimums, different risk structures, and geographic considerations.
The accounts receivable automation market reached approximately $3.84 billion in 2026 and is projected to grow at 11.64% CAGR through 2031, reflecting strong demand for solutions that accelerate cash collection and reduce manual AR work.
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers in the United States. The platform combines net terms financing, AI-powered credit decisioning, AR automation, and agentic collections in a single integrated solution.
The core value proposition addresses a fundamental challenge for B2B sellers: offering competitive payment terms to buyers while maintaining healthy cash flow. Resolve Pay advances up to 90% of invoice value within 24 hours on approved transactions, while buyers pay on Net 30, 60, or 90 day terms. The remaining balance releases when the buyer completes payment.
Non-recourse protection distinguishes Resolve Pay from traditional factoring and other financing options. On approved invoices, Resolve Pay assumes the default risk, meaning sellers have zero liability if approved customers fail to pay. This eliminates bad debt exposure on financed receivables.
The platform earns a 5.0/5 rating on G2 based on 17 reviews, with customers consistently praising the speed of credit approvals and quality of support. Resolve Pay has raised over $85 million in funding and serves 15,000+ businesses across North America.
Resolve Pay's proprietary AI credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions in under 24 hours, with many approvals happening instantly for purchases up to certain thresholds.
Key capabilities include:
This speed advantage creates competitive differentiation. Archipelago Lighting reduced their net terms approval process from 10 days to 24 hours after implementing Resolve Pay, enabling them to offer 20x higher credit lines and triple their revenue.
Beyond financing, Resolve Pay delivers comprehensive accounts receivable automation that reduces manual AR work by up to 90%. The platform handles:
The agentic collections capability uses multi-channel automated sequences including email, SMS, and voice AI to follow up on outstanding invoices. The system features intelligent escalation based on buyer response and payment history, pausing automatically when payments or disputes are received. This preserves customer relationships through professional, friendly communication rather than aggressive collection tactics.
Trenchless Supply reported reducing AR workload by 90% while achieving credit approvals in under 24 hours through the platform.
Resolve Pay provides native integrations with major B2B ecommerce platforms:
These embedded checkout integrations enable buyers to apply for net terms and receive credit decisions during the purchase flow, increasing conversion rates on B2B transactions. The platform supports online, offline, field rep, and hybrid sales workflows through a unified system.
The white-labeled payment portal maintains the seller's brand throughout the buyer experience while accepting ACH, wire transfers, credit cards, and checks.
Resolve Pay maintains SOC 2 Type II certification, demonstrating enterprise-grade security controls and compliance standards. The platform was built by former executives from Affirm, PayPal, and Amazon, bringing consumer fintech expertise to B2B commerce.
Invoiced positions itself as an AI-native invoice-to-cash platform designed for B2B finance teams. The platform focuses on automating the accounts receivable workflow from invoice creation through payment collection and reconciliation.
The platform earns a 4.5/5 rating on G2 based on 417 reviews, indicating an established market presence with a substantial customer base. On Capterra, Invoiced maintains a 4.7/5 rating from approximately 141 to 149 reviews.
Invoiced serves mid-market companies needing AR automation. The platform works well for businesses that have adequate working capital, want to automate invoice-to-cash workflows and dunning sequences, require global payment method coverage for international billing, or focus on subscription and recurring revenue billing models.
Invoiced delivers comprehensive AR automation including:
The platform handles complex billing scenarios including subscription models, usage-based pricing, hybrid arrangements, and freemium structures with prorations and add-ons. This makes Invoiced particularly suitable for SaaS and subscription businesses with recurring revenue needs.
Invoiced supports an extensive range of payment methods through its Flywire partnership:
This breadth of payment options serves companies with international customers requiring multi-currency billing and regional payment preferences.
Invoiced connects with major ERP and accounting systems including NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, and Xero. These integrations support back-office synchronization for invoice data, payment records, and financial reporting. The platform focuses on enterprise ERP connectivity rather than B2B ecommerce checkout integration.
Invoiced is an invoice-to-cash and AR automation platform. Its capabilities include automated invoicing, collections workflows, cash application, reporting, subscription billing, global payments, and integrations with major ERP and accounting systems. Resolve Pay covers many receivables workflows while also adding buyer credit decisioning and non-recourse net terms financing for approved invoices.
Kriya operates as a UK-based invoice finance and embedded payments provider owned by Allica Bank. The company was acquired by Allica Bank in October 2025, positioning it within a broader SME banking ecosystem serving British businesses.
The platform provides selective invoice finance and whole-turnover facilities for UK businesses, enabling them to borrow against outstanding receivables to unlock working capital. Kriya also offers embedded B2B PayLater functionality through API integration, enabling merchants to offer payment terms at checkout. Kriya emphasizes fast funding speed with 12-hour draw-down capability once facilities are established.
Kriya's core offering centers on invoice finance:
Kriya is a UK-based provider whose invoice-finance offering is primarily positioned for UK businesses. Its Embedded PayLater capabilities have broader international reach, with support for buyers across 45 countries, including markets in North America.
Kriya also offers embedded B2B PayLater functionality through API integration, enabling merchants to offer payment terms at checkout. Kriya's Embedded PayLater product has broader international coverage than its UK-focused invoice-finance business, with support for buyers across 45 countries.
Kriya supports several integration approaches for its finance and Embedded PayLater products:
Accounting and Finance:
Ecommerce and Payments:
These options support both invoice-finance workflows and embedded B2B payment terms across online and offline sales channels.
Automating the accounts receivable process reduces manual work, accelerates cash collection, and improves visibility into AR performance. Each platform approaches AR automation differently based on their core focus.
Resolve Pay combines AR automation with financing and credit decisioning in an integrated workflow:
The agentic collections capability differentiates Resolve Pay's approach. Rather than simple dunning emails, the system uses multi-channel sequences that adapt based on buyer behavior, pause when payments arrive, and escalate appropriately while maintaining positive customer relationships.
Customer results demonstrate the impact. SS&SI Dealer Network achieved 5x revenue growth, while ConEquip reported 30% year-over-year growth after implementation.
Invoiced focuses exclusively on AR automation as its primary capability:
The platform handles complex billing models including usage-based pricing, freemium arrangements, and subscription tiers with prorations. This specialization serves SaaS and subscription businesses well.
Kriya's invoice-finance product centers on receivables funding, while its Embedded PayLater offering adds operational payment capabilities including buyer authentication, invoicing, collections, reconciliation, and a merchant portal. Its overall product model differs from a dedicated end-to-end AR automation platform because these capabilities are distributed across its finance and PayLater offerings.
Credit decisioning capability determines how quickly sellers can approve new buyers and how accurately they can assess default risk. The approaches differ significantly across platforms.
Resolve Pay's AI credit engine delivers real-time buyer evaluation:
This capability enables sales teams to approve buyers during conversations rather than delaying deals for credit review. TrueCable reported response times under 24 hours on credit approvals through the platform.
The credit engine connects directly to the financing decision. When buyers are approved, Resolve Pay assumes the default risk through non-recourse protection, aligning incentives between accurate credit assessment and seller protection.
Invoiced does not include a buyer credit engine as part of its platform. The system focuses on AR workflow automation rather than credit risk assessment or underwriting. Businesses using Invoiced conduct credit evaluations through separate processes or tools and manage credit decisions outside the invoicing workflow.
Kriya performs buyer authentication and credit decisioning through its Embedded PayLater product, where merchants can receive buyer spending limits during the purchasing process. Its invoice-finance underwriting separately evaluates businesses, invoices, and underlying debtor risk for funding decisions.
The fundamental difference between invoice financing platforms and AR automation tools impacts cash flow, risk exposure, and operational requirements.
Resolve Pay combines non-recourse financing with AR automation in a single platform:
This model eliminates the working capital gap inherent in offering net terms. Sellers can extend Net 30, 60, or 90 day payment terms to buyers while receiving payment within one business day.
Elston Materials reported increasing margins from 25% to 30% through the cash flow improvement, a 5-point margin expansion.
Invoiced automates AR workflows but does not provide invoice financing. Sellers wait for customers to pay on stated terms, retain all bad debt exposure, and must arrange separate working capital solutions if needed. The platform optimizes collection efficiency but does not accelerate payment timing.
Kriya provides invoice finance facilities for UK businesses and embedded B2B PayLater capabilities for merchants. The invoice finance model offers selective or whole-turnover options, while the PayLater product enables merchants to offer payment terms at checkout with upfront merchant payment.
Integration capabilities determine how well each platform fits within existing business systems including ecommerce, ERP, and accounting software.
Resolve Pay provides comprehensive B2B ecommerce and accounting integrations:
Ecommerce Platforms:
Accounting and ERP:
API Access:
The native ecommerce integrations enable embedded net terms checkout, allowing buyers to apply for credit and receive decisions during the purchase flow. Resolve Pay integrates embedded net terms checkout with its broader credit, financing, accounts receivable, and collections workflows.
Invoiced focuses on ERP and accounting system connectivity. The platform connects with NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, and Xero. Invoiced also supports 1,200+ payment methods through its Flywire partnership and provides API access for custom connections. Invoiced does not provide native B2B ecommerce platform integrations, focusing instead on back-office financial system connectivity.
Kriya supports several integration approaches for its finance and Embedded PayLater products. The platform connects with Xero and provides accounting-system synchronization for invoice finance workflows. For ecommerce and payments, Kriya offers plugins for BigCommerce, WooCommerce, and Adobe Commerce/Magento, along with hosted payment flows and direct API integration. These options support both invoice-finance workflows and embedded B2B payment terms across online and offline sales channels.
For manufacturers, distributors, and wholesalers in the United States, Resolve Pay provides a comprehensive solution for managing net terms, cash flow, and accounts receivable. The platform brings financing, buyer credit decisioning, AR automation, payments, and collections together in one purpose-built system for B2B suppliers, reducing the need to manage these functions across separate tools.
Key capabilities that distinguish Resolve Pay:
Resolve Pay's 5.0/5 G2 rating, 15,000+ active businesses, SOC 2 Type II certification, and customer results including tripled revenue, 30% growth, and 90% AR workload reduction demonstrate proven performance for mid-market B2B sellers. The platform serves primary industries including HVAC parts distribution, electrical supplies, plumbing supplies, industrial fasteners, construction materials, medical devices, pharmaceutical distribution, and safety equipment.
Invoiced centers on invoice-to-cash and accounts receivable automation, including invoicing, collections, cash application, subscription billing, reporting, and global payment capabilities. Resolve Pay adds non-recourse net terms financing and buyer credit decisioning alongside AR automation, giving B2B suppliers a unified credit-to-cash workflow.
Kriya offers invoice finance and Embedded PayLater products, with its invoice-finance business primarily focused on UK companies and its PayLater capabilities reaching buyers internationally. Resolve Pay is positioned specifically around combining net terms financing, buyer credit decisions, receivables automation, ecommerce integrations, and collections for B2B suppliers in one platform.
Resolve Pay combines non-recourse net terms financing, buyer credit decisioning, AR automation, collections, and native B2B ecommerce integrations within one seller-focused platform. Invoiced focuses on AR workflow automation without financing capabilities. Kriya offers invoice finance primarily for UK businesses and Embedded PayLater with broader international reach.
Non-recourse financing means Resolve Pay assumes the default risk on approved invoices. If an approved buyer fails to pay, the seller has zero liability for that loss. This eliminates bad debt exposure on financed receivables while providing cash advances within 24 hours, enabling sellers to offer competitive payment terms without working capital strain.
Yes, Resolve Pay provides native integrations with Shopify, BigCommerce, WooCommerce, and Magento. These embedded checkout integrations enable buyers to apply for net terms and receive credit decisions during the purchase flow. The platform won the 2025 BigCommerce Innovative Integration Award for its B2B commerce capabilities.
Resolve Pay serves mid-market B2B sellers including manufacturers, distributors, and wholesalers with approximately $1 million or more in annual revenue. Primary industries include HVAC parts, electrical and plumbing supplies, industrial fasteners, construction materials, medical devices, pharmaceutical distribution, and safety equipment. The platform is purpose-built for US market operations.
Resolve Pay's AI credit engine delivers credit decisions in under 24 hours, with many approvals happening instantly. The system evaluates thousands of data points including cash flow trends, payment history, and behavioral signals. Quiet credit checks do not notify buyers or impact their credit scores, enabling sales teams to approve new customers during conversations.
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.