Sep 26, 2026
Selecting the right B2B payment solution can determine whether your business thrives or struggles with cash flow constraints. While Invoiced focuses on accounts receivable automation and Two offers embedded B2B net terms across multiple markets, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation for North American manufacturers, distributors, wholesalers, and other B2B sellers. Understanding these fundamental differences between pure software solutions, embedded payment platforms, and integrated financing solutions helps B2B sellers select the approach that matches their working capital needs, operational requirements, and growth objectives.
Key Takeaways
- Resolve Pay delivers non-recourse financing with advances on approved invoices while combining credit decisioning, AR automation, and collections, while Invoiced focuses on AR automation and Two provides embedded B2B net terms across online and offline sales channels
- Resolve Pay serves 15,000+ businesses across North America with a platform combining credit decisions, net terms financing, AR automation, and collections, while Invoiced focuses on invoice-to-cash automation and Two operates across the U.S., UK, Nordics, and Pan-Europe
- Resolve Pay provides AI-powered, real-time credit decisioning using proprietary underwriting models, with customer-reported approval response times under 24 hours
- Resolve Pay offers native integrations with major ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento plus ERP systems like NetSuite, QuickBooks, and Sage Intacct, while Invoiced focuses on ERP connections and Two supports commerce platforms and direct API integrations
- Resolve Pay combines non-recourse financing, credit decisioning, AR automation, collections, and integrated payment workflows in one platform
- Resolve Pay's agentic collections combine AI-powered automation with human expertise for multi-channel follow-ups across email, SMS, and voice, reducing AR workload by up to 90% while preserving customer relationships
Understanding B2B Payment Solutions: Software, Embedded Terms, and Integrated Platforms
The B2B payments technology market encompasses three distinct approaches, each serving different operational models and business objectives. Understanding these fundamental differences helps finance and AR leaders select tools aligned with their growth stage and cash flow requirements.
Pure AR automation software platforms serve as operational systems for managing accounts receivable workflows. These solutions provide invoice generation, payment tracking, dunning automation, and analytics dashboards that help finance teams manage their collection activities. The value proposition centers on improving operational efficiency through better workflow management and visibility. However, these systems require businesses to maintain their own working capital and bear full credit risk on customer defaults.
Embedded B2B payment platforms integrate payment terms directly into purchasing workflows, whether at checkout or through direct sales channels. These solutions prioritize the transaction experience and credit decisioning speed, enabling businesses to offer flexible terms while managing credit risk and payment collection. The approach works across online and offline channels, though the depth of AR automation and ERP connectivity varies by platform.
Integrated financing and AR platforms combine non-recourse financing with comprehensive AR automation in a single solution. Rather than just managing invoices or facilitating transactions, these platforms advance cash to sellers within days, assume credit risk on approved transactions, automate collections through AI-powered workflows, and provide complete payment portals for buyers. The seller receives immediate working capital while the platform handles the entire receivables lifecycle.
Resolve Pay
Resolve Pay's Integrated Platform
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms (Net 30/60/90) to business buyers while receiving immediate cash and offloading credit risk. The platform combines credit decisioning, net terms financing, AR automation, and collections management in one integrated solution.
The non-recourse financing model distinguishes Resolve Pay's approach:
- When a seller offers net terms through Resolve Pay, the platform advances up to 90-100% of invoice value within 1-2 business days
- If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than the seller, eliminating bad debt exposure on approved transactions
- Sellers transform DSO from 30-90 days to effectively 1-2 days, enabling faster inventory purchases and growth investments
The AI-powered credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Resolve Pay's AI-powered credit engine supports real-time credit decisioning, with customer-reported approval response times under 24 hours. Dynamic credit lines adjust based on payment history, and quiet credit checks mean buyers receive no notifications and see no credit score impact.
AR Automation and Collections
AR automation capabilities eliminate manual invoice management through:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match payments automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health
- Bidirectional sync with QuickBooks, Xero, Sage Intacct, and NetSuite
Agentic collections provide multi-channel automated sequences across email, SMS, and voice AI outbound calls. The system uses intelligent escalation based on buyer response and payment history, configurable day thresholds, and automatic pauses when payments or disputes arrive. This hybrid approach combining AI automation with human expertise preserves customer relationships while improving collection rates.
The white-labeled payment portal provides buyers with a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging capabilities.
Integration Ecosystem
Resolve Pay provides native integrations with:
- Major ecommerce platforms: Shopify, BigCommerce, WooCommerce, and Magento
- ERP and accounting systems: NetSuite, QuickBooks Online, Sage Intacct, and Xero with two-way sync for invoice and payment data
- REST APIs with webhooks and sandbox environments for custom integrations
Implementation typically completes in days to two weeks, with most teams launching in under one week.
Compliance and Team
Resolve Pay maintains SOC 2 Type II certification supporting deployments at regulated enterprises. Resolve Pay originated from a B2B version of Affirm spun out in 2018, with credit team experts from Amazon and PayPal.
Best Fit
The platform is designed for North American B2B businesses seeking faster cash flow, reduced credit risk on approved transactions, and comprehensive AR automation in one integrated solution. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers.
Invoiced
Invoiced's AR Automation Focus
Invoiced positions itself as an accounts receivable automation platform designed to help finance teams manage billing, collections, and cash application workflows. The platform was acquired by Flywire in August 2024, becoming part of a global payments network spanning 32 countries and 140+ currencies.
The platform provides comprehensive AR software capabilities:
- Automated invoice generation
- Smart collections with configurable dunning sequences
- AI-powered cash application for payment matching and reconciliation
- Customer portal for self-service payment
- Subscription billing support for recurring, usage-based, and hybrid billing models
Integrations
Invoiced integrates with major ERP systems including NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, Xero, and Workday. The Integration Studio connects to additional applications through a no-code hub, enabling diverse workflow automation.
Operational Model
Invoiced operates as software-only, meaning businesses must maintain their own working capital and wait 30-90 days for customer payments. Sellers bear full exposure on customer defaults with no non-recourse protection. Following the Flywire acquisition, Invoiced gained access to 1,200+ payment methods across 140+ currencies for global payment acceptance.
Invoiced maintains a 4.5/5 rating on G2 with positive feedback on ease of use and AR automation features. Users praise the intuitive interface and customer portal functionality.
Best Fit
Invoiced works well for companies that already have adequate working capital and primarily need AR software automation. The platform suits businesses with complex subscription billing requirements, teams seeking global payment acceptance across multiple currencies, and organizations with established finance teams able to manage credit decisions internally.
Two
Two's Embedded B2B Terms Platform
Two positions itself as a B2B BNPL provider offering embedded net terms across online, direct, and in-store sales. The company states that it operates in 15 countries across the U.S., UK, Nordics, and Pan-Europe.
Two emphasizes speed in credit decisions, with approvals arriving in under 2 seconds through its automated credit and fraud decisioning platform. The platform offers flexible payment terms ranging from 7-120 days plus installment options extending up to 36 months, providing diverse payment structures for different buyer needs.
Platform Capabilities
The checkout-native approach integrates with ecommerce platforms including Shopify, WooCommerce, Magento, and regional options like Craft Commerce and Optimizely. Banking partnerships with DNB, Santander, and Allianz Trade provide settlement infrastructure.
Two provides upfront merchant payment on approved transactions while buyers use flexible net terms or installment options. Its current platform serves markets across the U.S., UK, Nordics, and Pan-Europe. The platform supports 20+ currencies and multi-language checkout experiences.
Best Fit
Two provides embedded net terms and installment options across online, direct, and in-store B2B sales, with credit decisions designed to support a fast purchasing experience.
Credit Decisions Across Platforms
The approach to credit evaluation fundamentally shapes how each platform serves B2B sellers and their customers.
Resolve Pay's AI Credit Engine
Resolve Pay's proprietary AI evaluates thousands of buyer data points, including cash flow trends, payment history, and behavioral signals. The platform supports real-time credit decisioning, with customer-reported approval response times under 24 hours. Dynamic credit lines adjust based on payment history, expanding for reliable payers and contracting when signals warrant caution.
The quiet credit check approach means buyers receive no notifications and see no credit score impact, eliminating friction in the approval process. This replaces manual trade reference calls and spreadsheet tracking that typically consume significant AR team time.
Invoiced's Approach
Invoiced provides no credit underwriting capabilities. Businesses using the platform must conduct their own credit evaluations, maintain internal credit policies, and make approval decisions manually or through separate tools. The platform manages AR workflows after credit decisions are made elsewhere.
Two's Speed-Focused Decisions
Two's credit and fraud engines are designed to return decisions in under 2 seconds for a streamlined purchasing experience.
Financing and Cash Flow Models
Working capital access represents a significant differentiator between these three platforms.
Resolve Pay's Non-Recourse Advances
Resolve Pay advances up to 90-100% of invoice value within 1-2 business days while buyers pay on Net 30/60/90 terms. The non-recourse structure means Resolve Pay absorbs credit losses on approved invoices, not the seller.
This financing model transforms DSO from 30-90 days to effectively 1-2 days. Sellers can fulfill more orders, purchase inventory, and invest in growth without waiting for customer payments.
Customer results demonstrate the impact:
- Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
- ConEquip achieved 30% year-over-year growth using Resolve Pay's net terms financing
- SS&SI Dealer Network achieved 5x revenue growth through expanded net terms capabilities
Invoiced's Software Model
Invoiced provides no financing capabilities. Businesses must maintain their own working capital, wait for customer payments on standard terms, and bear full credit risk on defaults. While the platform improves collection efficiency, it does not address the fundamental cash flow challenge of waiting 30-90 days for payment.
Two's Financing Approach
Two provides upfront merchant payment on approved transactions while buyers use flexible net terms or installment options. Its current platform serves markets across the U.S., UK, Nordics, and Pan-Europe.
AR Automation and Collections Comparison
Operational efficiency in managing receivables varies significantly across platforms.
Resolve Pay's Comprehensive Automation
Resolve Pay's AR automation platform eliminates manual invoice management through automated generation synced from ERP and accounting systems. Smart payment reconciliation uses machine learning to match payments automatically, reducing the manual matching work that consumes AR team time.
The real-time AR dashboard provides visibility into DSO, aging, and portfolio health. Automated bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite eliminates duplicate data entry and reconciliation errors.
Agentic collections provide multi-channel automated sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response and payment history with configurable day thresholds. Automatic pauses when payments or disputes arrive prevent awkward follow-ups after resolution.
Customer results show Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours. The hybrid approach combining AI automation with human expertise preserves customer relationships while improving collection effectiveness.
Invoiced's AR Software
Invoiced provides comprehensive AR automation including automated dunning sequences, AI-powered cash application, and customer portal functionality. Users praise the intuitive interface and workflow automation. However, the platform requires businesses to manage collections without financing support, meaning cash arrives only when customers actually pay.
Two's Approach
Two supports net terms across checkout, direct sales, and in-store transactions and also manages credit decisions, payment collection, and credit risk. Resolve Pay combines these functions with broader accounts receivable automation and ERP and accounting integrations.
Integration and Implementation Comparison
Technical connectivity determines how smoothly platforms fit into existing business systems.
Resolve Pay's Ecosystem
Resolve Pay provides native integrations with major ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. These integrations enable embedded net terms checkout directly in the purchase flow, increasing conversion and average order values.
ERP connections support NetSuite, QuickBooks Online, Sage Intacct, and Xero with two-way sync for automatic reconciliation. The 2-way QuickBooks Auto-Sync reduces manual work significantly for small and midsize businesses.
Implementation typically completes in days to two weeks. The rapid deployment enables businesses to begin offering net terms quickly without extended project timelines.
Invoiced's Connectivity
Invoiced integrates with NetSuite, Sage Intacct, Microsoft Dynamics, QuickBooks, Xero, and Workday. Following the Flywire acquisition, Invoiced gained access to 1,200+ payment methods across 140+ currencies for global payment acceptance. Implementation timelines vary based on complexity, potentially extending to weeks or months for enterprise deployments.
Two's Platform Focus
Two supports plugins and direct API integrations for commerce workflows. Resolve Pay additionally provides native connections with major accounting and ERP platforms such as QuickBooks Online, NetSuite, Sage Intacct, and Xero. The API-led approach enables custom integrations for marketplace and enterprise deployments.
Why Resolve Pay Fits B2B Sellers
Resolve Pay brings credit decisioning, non-recourse net terms financing, AR automation, collections, payments, and integrations into one platform for B2B sellers.
The platform is particularly relevant for manufacturers, distributors, wholesalers, and other B2B businesses that want to:
- Accelerate cash flow on approved invoices with advances within 1-2 business days
- Offer buyers flexible net payment terms while eliminating wait times for working capital
- Reduce exposure to approved-buyer default risk through non-recourse financing
- Automate credit, invoicing, reconciliation, and collections workflows
- Connect receivables workflows with major ecommerce, ERP, and accounting systems through native integrations
- Give buyers a branded portal for ACH, wire, card, and check payments with self-serve capabilities
Customer outcomes demonstrate tangible results: Elston Materials improved margins from 25% to 30% through better cash flow management, while Nandansons increased financed volume 75% month over month after implementation. RentAll Construction reports "quicker receivables directly contributing to healthier cash flow management."
The combination of immediate advances and credit risk elimination enables businesses to grow without the working capital constraints that typically limit B2B sellers offering payment terms.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing benefit sellers compared to traditional approaches?
Non-recourse financing means Resolve Pay absorbs credit losses on approved invoices rather than the seller. If an approved buyer fails to pay, the seller keeps the advance and Resolve Pay handles the loss. This eliminates bad debt exposure while accelerating cash flow, differing from traditional factoring where sellers often retain recourse liability.
Can Resolve Pay integrate with my existing ERP or accounting software?
Yes, Resolve Pay provides native integrations with NetSuite, QuickBooks Online, Sage Intacct, and Xero with two-way sync for automatic reconciliation. Ecommerce integrations support Shopify, BigCommerce, WooCommerce, and Magento. REST APIs with webhooks and sandbox environments enable custom integrations for additional systems.
What kind of businesses are best suited for Resolve Pay's services?
Resolve Pay serves mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers across North America.
How quickly can I receive funding from Resolve Pay after an invoice is approved?
Resolve Pay advances funds within 1-2 business days after invoice approval. This transforms effective DSO from 30-90 days to 1-2 days. Sellers receive immediate working capital while buyers continue paying on their agreed Net 30/60/90 terms. The remaining percentage releases when the buyer completes payment.
Does Resolve Pay handle the entire collections process, or is it just automation?
Resolve Pay's agentic collections combine AI-powered automation with human expertise. The system automates multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. Automatic pauses occur when payments or disputes arrive. Customers report AR workload reductions of up to 90%.
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.
