Sep 26, 2026
Selecting the right B2B payment platform determines whether your business can offer competitive net terms while maintaining healthy cash flow. While Invoiced provides AR automation software for global invoicing and Mondu delivers B2B BNPL solutions for European merchants, Resolve Pay offers non-recourse net terms financing combined with comprehensive AR automation specifically designed for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose the approach that aligns with their cash flow needs, geographic market, and operational requirements.
Key Takeaways
- Resolve Pay combines non-recourse net terms financing with comprehensive AR automation for North American B2B sellers, with advance funding available on eligible approved invoices while buyers pay on agreed net terms
- Resolve Pay serves 15,000+ businesses with a perfect 5.0/5 G2 rating, reflecting exceptional customer satisfaction and platform reliability
- Invoiced, now part of Flywire, operates as pure AR automation software supporting 140 currencies across 240+ countries but does not provide invoice financing or credit risk protection
- Mondu focuses exclusively on European markets, serving 30+ countries with B2B BNPL and installment payment options unavailable to North American merchants
- Resolve Pay's AI-powered credit engine delivers decisions in under 24 hours, eliminating manual trade reference calls and spreadsheet tracking
- Resolve Pay combines e-commerce integrations for Shopify, BigCommerce, WooCommerce, and Magento with non-recourse net terms financing and AI-powered collections
Understanding B2B Payment Solutions: Three Distinct Approaches
The B2B payments market encompasses fundamentally different solution categories, each addressing distinct operational challenges. Trade credit allows business buyers to receive goods or services without immediate payment, providing an important source of short-term business financing. Understanding platform differences helps revenue and finance leaders select tools aligned with their cash flow priorities and market focus.
Net terms financing platforms like Resolve Pay enable sellers to offer deferred payment terms while receiving immediate cash and transferring credit risk. This model addresses the core challenge facing B2B suppliers: customers expect Net 30-90 payment terms, but sellers need working capital today. Resolve Pay advances funds within 1-2 business days on approved invoices while assuming default risk through non-recourse financing.
AR automation software like Invoiced streamlines the invoice-to-cash process through automated billing, payment reminders, and reconciliation. These platforms improve operational efficiency but do not solve the fundamental cash flow timing gap. Sellers using pure AR software still wait 30-90 days for buyer payment, even with improved collection processes.
B2B BNPL platforms like Mondu offer payment flexibility to business buyers through deferred terms and installment plans. While similar to net terms financing in concept, these solutions often focus on specific geographic markets and may emphasize buyer-facing features over comprehensive seller-side AR management.
The distinction matters because mid-market B2B sellers typically need both immediate cash flow and operational efficiency. B2B ecommerce continues to expand, increasing the importance of payment terms and checkout experiences for business buyers.
Resolve Pay
Resolve Pay's Integrated Approach to B2B Payments
Resolve Pay operates as a complete B2B payments platform that combines net terms financing, credit underwriting, AR automation, and collections management in a single solution. This integrated approach eliminates the need for multiple vendors while addressing both cash flow acceleration and operational efficiency.
The platform's non-recourse financing structure distinguishes it from traditional factoring and AR software. When Resolve Pay approves a buyer for net terms, sellers can receive advances on eligible invoices within 1-2 business days. If the approved buyer defaults, Resolve Pay absorbs the loss rather than pursuing the seller for repayment. This risk transfer enables manufacturers and distributors to offer competitive payment terms without exposing their business to customer credit risk.
Key Platform Capabilities
Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions in under 24 hours. For existing buyers with established payment patterns, approvals can happen instantly for purchases up to $25,000.
The AR automation capabilities handle invoice generation, payment reminders, reconciliation, and cash application automatically. Customer case studies demonstrate AR workload reductions of up to 90%, freeing finance teams to focus on strategic activities rather than chasing payments.
Financing Features:
- Non-recourse advances on eligible approved invoices
- Net 30, 45, 60, and 90 day terms, depending on the approved program and buyer
- Funding delivered within 1-2 business days
- Seller protected from approved buyer defaults
Credit and Underwriting:
- AI-powered credit decisions in under 24 hours
- Dynamic credit lines that adjust based on payment history
- Quiet credit checks that do not impact buyer credit scores
- Real-time decisioning for returning buyers
AR Automation:
- Automated invoice generation synced from ERP systems
- Smart payment reconciliation using ML-powered matching
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite
Collections:
- Multi-channel sequences across email, SMS, and voice AI
- Intelligent escalation based on buyer behavior
- Automatic pause when payment or dispute received
- Professional tone that preserves customer relationships
E-commerce Integrations:
- Native checkout extensions for Shopify and BigCommerce
- Magento 2 and WooCommerce support
- Embedded net terms applications at point of purchase
- 2025 BigCommerce Innovative Integration Award winner
Platform Security and Risk Management
Resolve Pay combines credit assessment, underwriting, payment workflows, and collections within its B2B payments platform. Businesses with specific security, regulatory, or compliance requirements should confirm current documentation directly with Resolve Pay during implementation.
Invoiced
Invoiced's Position as AR Automation Software
Invoiced, acquired by Flywire in August 2024, operates as accounts receivable automation software designed to streamline the invoice-to-cash process. The platform focuses on billing efficiency, payment collection, and reconciliation rather than financing.
The acquisition brought Invoiced into Flywire's global payment network, which supports 140 currencies across 240+ countries. This international infrastructure serves businesses with complex multi-currency invoicing requirements and global customer bases.
Core AR Capabilities
Invoiced's core capabilities center on AR process automation:
Billing and Invoicing:
- Automated invoice generation and delivery
- Subscription billing for recurring revenue models
- Customer payment portal for self-service
- Multiple payment method acceptance
Collections Automation:
- Smart Chasing for behavior-based follow-up sequences
- Automated payment reminders and dunning
- Customizable collection workflows
- Task management for AR teams
Cash Application:
- CashMatch AI for payment reconciliation
- Handling of partial and incomplete remittances
- Automated matching algorithms
- ERP integration for NetSuite, Workday, Sage Intacct, and Dynamics
Reporting and Analytics:
- AR dashboard and aging reports
- Cash flow forecasting
- Collection performance metrics
- Customer payment behavior insights
How This Compares With Resolve Pay
The fundamental distinction between Invoiced and Resolve Pay lies in the business model. Invoiced provides software tools that help AR teams work more efficiently, while Resolve Pay combines software with financing to accelerate cash flow and eliminate credit risk.
Invoiced does not advance funds against invoices. Sellers using the platform still wait for buyers to pay on terms, even with improved collection processes. Invoiced does not underwrite buyer creditworthiness or assume default risk, meaning sellers retain full exposure to customer non-payment.
Flywire's global payment network supports international payment workflows, while Resolve Pay is focused on the credit, net terms, cash flow, AR automation, and collections needs of North American B2B sellers.
Mondu
Mondu's European B2B BNPL Focus
Mondu operates as a B2B Buy Now Pay Later platform serving 30+ European countries including the UK with local payment methods and regulatory compliance. The platform holds an EMI license enabling pan-European operations through a single integration.
Payment Options and Features
Mondu's positioning emphasizes buyer payment flexibility through both deferred terms and installment options:
Payment Options:
- Net 30, 45, 60, and 90 day invoice terms
- Installment plans across 3, 6, and 12 months
- Digital Trade Account for recurring B2B purchases
- Multiple payment methods including bank transfer and cards
Credit Capabilities:
- Real-time credit decisions for business buyers
- Credit limits up to approximately $1.1 million (converted from €1M)
- Mondu reports acceptance rates of over 90% for eligible business transactions
- Instant approvals for returning buyers
Merchant Features:
- Merchants receive payment upfront on approved transactions
- Integration with existing payment service providers including Stripe
- Embedded checkout solutions for platforms
- White-label buyer portal
Geographic Coverage:
- Primary focus on European Union markets
- UK operations with local compliance
- Single integration for pan-European deployment
- Local payment methods per country
How This Compares With Resolve Pay
The most significant difference between Mondu and Resolve Pay is geographic availability. Mondu does not serve US or Canada markets, making it unavailable for North American merchants.
Mondu supports deferred invoices and installment plans for European buyers. Resolve Pay supports flexible net terms for eligible North American B2B transactions while combining those terms with credit decisioning, invoice advances, AR automation, and collections.
Mondu positions primarily as a payment and financing solution rather than comprehensive AR management. The platform handles payments and credit but provides more basic dunning support compared to Resolve Pay's full AR automation and agentic collections capabilities. Mondu states that it assumes credit and fraud risk for approved European transactions while paying sellers upfront.
AR Automation and Collections: Platform Comparison
The three platforms approach accounts receivable management with different depth and integration, particularly when it comes to collections automation and workflow management.
Resolve Pay's Comprehensive AR Approach
Resolve Pay delivers complete AR automation integrated with financing and collections. The platform automates invoice generation from ERP systems, handles payment reconciliation through ML-powered matching, and provides real-time dashboards showing DSO, aging buckets, and portfolio health.
The agentic collections system executes multi-channel follow-up sequences across email, SMS, and voice AI. Outreach escalates intelligently based on buyer response patterns and payment history. When a dispute or payment arrives, sequences pause automatically to avoid unnecessary customer friction. Customer results demonstrate AR workload reductions of up to 90% with credit approvals completing in under 24 hours.
Invoiced's AR Software Focus
Invoiced provides robust AR software capabilities including automated invoicing, Smart Chasing for collections, and CashMatch AI for reconciliation. The platform's AI-powered workflows adapt to customer behavior patterns and optimize follow-up timing.
The distinction is that Invoiced automates AR processes without addressing the underlying cash flow timing challenge. Even with excellent collection automation, sellers wait for buyers to pay. If average payment time is 45 days, operational efficiency improves but working capital remains tied up for 45 days.
Mondu's Payment-Focused Approach
Mondu focuses on payment flexibility and financing rather than comprehensive AR management. The platform provides basic dunning support for payment reminders but does not match the depth of Resolve Pay's or Invoiced's automation capabilities. For European merchants, Mondu's value proposition centers on getting paid upfront while offering buyer flexibility, rather than transforming AR operations.
Credit Underwriting and Risk Management
How each platform handles buyer credit assessment and risk allocation significantly impacts seller exposure and operational burden. According to FDIC research, small business loan charge-off rates averaged 1.5-2% in recent years, making credit risk management critical for B2B sellers.
Resolve Pay's Credit Engine
Resolve Pay's AI Credit Engine evaluates thousands of data points including cash flow trends, payment history across vendors, behavioral signals, and company financials. Credit decisions arrive in under 24 hours, with instant approvals available for existing buyers with established patterns.
The quiet credit check approach means buyers are not notified and their credit scores are not impacted by the evaluation. Critical to the value proposition: Resolve Pay assumes default risk on approved invoices through non-recourse financing. If an approved buyer fails to pay, Resolve Pay absorbs the loss.
Invoiced's Credit Approach
Invoiced does not provide native credit decisioning or buyer underwriting. The platform focuses on AR automation rather than credit risk management. Sellers using Invoiced must conduct their own credit evaluations, maintain internal credit policies, retain full exposure to customer default risk, and carry bad debt reserves or purchase separate trade credit insurance.
Mondu's Credit Approach
Mondu provides real-time credit decisions and reports acceptance rates of over 90% for eligible business transactions. Its platform also supports real-time approval for purchases up to €1 million in supported European markets. Mondu states that it assumes credit and fraud risk for approved European transactions while paying sellers upfront.
Integration Ecosystem and Technical Capabilities
Platform integrations determine how smoothly B2B payment solutions fit within existing tech stacks. All three platforms offer different integration approaches based on their target markets and core capabilities.
Resolve Pay Integrations
Resolve Pay provides native connections across e-commerce and accounting platforms:
E-commerce:
- Shopify and Shopify Plus checkout integration
- BigCommerce native extension (2025 Innovative Integration Award)
- Magento 2 and WooCommerce support
- Embedded net terms at point of purchase
Accounting and ERP:
- QuickBooks Online two-way sync
- NetSuite integration with automatic reconciliation
- Xero connection for invoice and payment data
- Sage Intacct support for mid-market finance teams
API and Developer Tools:
- Flexible API options for custom integrations
- Ecommerce checkout extensions
- Integration support for connecting Resolve Pay with existing B2B commerce and accounting workflows
- Developer documentation for supported implementations
The two-way ERP sync automatically reconciles payments, eliminating manual data entry between platforms. Invoice data flows from accounting systems; payment confirmations flow back with complete matching.
Invoiced Integrations
Invoiced's enterprise focus shows in ERP integration depth:
Accounting and ERP:
- NetSuite native connection
- Workday Financials integration
- Sage Intacct support
- Microsoft Dynamics connectivity
Payment Processing:
- Flywire global payment network post-acquisition
- Multiple payment method support
- Multi-currency handling across 140 currencies
The platform emphasizes enterprise financial systems over e-commerce checkout integrations, reflecting its position as AR software rather than payment facilitation at point of sale.
Mondu Integrations
Mondu focuses on payment service provider connectivity:
Payment Integrations:
- Stripe integration for adding B2B BNPL to existing checkout
- Platform APIs for embedded solutions
- White-label deployment options
E-commerce:
- Shopify integration for European merchants
- Checkout embedding for platforms and marketplaces
Mondu's integration approach assumes merchants have existing payment infrastructure and want to add B2B payment flexibility rather than replace their entire payment stack.
Why Resolve Pay Fits North American B2B Sellers
For manufacturers, distributors, wholesalers, and ecommerce sellers serving US and Canadian business buyers, Resolve Pay brings buyer credit assessment, net terms, eligible invoice advances, AR automation, payment reconciliation, and collections into one connected platform.
The integrated approach addresses the full B2B credit-to-cash workflow that North American sellers face when extending payment terms. Rather than managing separate systems for:
- Credit evaluation and buyer underwriting
- Invoice financing or factoring relationships
- AR automation software subscriptions
- Collections management tools
- Payment reconciliation across channels
Resolve Pay combines these capabilities within a single platform trusted by 15,000+ businesses. This consolidation reduces vendor management overhead, eliminates data synchronization challenges between disconnected systems, and creates a unified view of the entire receivables portfolio.
The platform's non-recourse structure transfers approved buyer credit risk away from sellers, enabling businesses to offer competitive net terms without increasing balance sheet exposure. Combined with AI-powered credit decisioning that delivers answers in under 24 hours, sellers can approve new customers and process orders faster than traditional trade credit evaluation methods allow.
For B2B ecommerce businesses, native integrations with Shopify, BigCommerce, WooCommerce, and Magento embed net terms applications directly in checkout flows. Business buyers can apply for credit during the purchase process, receive instant decisions for qualified accounts, and complete orders using approved payment terms without leaving the shopping experience.
The AR automation and agentic collections capabilities reduce manual workload while maintaining professional customer communication. Multi-channel sequences across email, SMS, and voice AI adapt to buyer behavior patterns, escalating appropriately while pausing automatically when payments arrive or disputes are raised.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing differ from invoice factoring?
Traditional invoice factoring often involves recourse arrangements where sellers must buy back unpaid invoices if buyers default. Resolve Pay's non-recourse model transfers approved buyer default risk entirely. If an approved customer fails to pay, Resolve Pay absorbs the loss rather than pursuing the seller. Additionally, Resolve Pay combines financing with comprehensive AR automation, eliminating the need for separate factoring relationships and AR software subscriptions.
Does Resolve Pay combine financing with AR automation?
Yes. Resolve Pay combines buyer credit decisioning, net terms financing, invoicing, payment workflows, reconciliation, and collections within one B2B payments platform. Eligible approved invoices can also qualify for non-recourse advance funding.
What Businesses Is Resolve Pay Designed For?
Resolve Pay is designed primarily for B2B sellers such as manufacturers, distributors, wholesalers, and ecommerce businesses that want to offer flexible payment terms while improving cash flow and reducing manual accounts receivable work.
How Does Resolve Pay Determine Buyer Credit Limits?
Resolve Pay uses AI-supported underwriting and business data to evaluate buyers and recommend credit limits. Credit decisions and maximum credit lines are subject to Resolve Pay's underwriting and buyer verification, and limits can vary by customer.
Does Resolve Pay integrate with my existing accounting software?
Resolve Pay offers native integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct, providing two-way sync for invoice and payment data. The platform also connects with major e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. Full API access enables custom integrations for businesses with unique technical requirements.
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.
