Resolve Pay vs Kriya vs Apruve

Choosing a net terms platform is really about choosing how you want to run B2B growth. Some teams need a way to approve buyers quickly and get paid without waiting on long invoice cycles. Others already have funding in place and are mainly trying to modernize credit workflows, collections, and buyer onboarding. That is why Resolve Pay, Kriya, and Apruve often come up in the same search, even though they are built for different operating environments.

For U.S. suppliers, the comparison usually starts with cash flow and risk. Offering terms can help close larger orders, but it also creates pressure on working capital and finance teams. Recent Atradius payment trends show that North American businesses are expanding trade credit while staying cautious about overdue payments and bad debts. In the UK, British Business Bank research continues to show how important non-bank finance remains for smaller firms. Against that backdrop, this comparison focuses on what matters most: product model, geography, risk ownership, automation depth, and which platform best supports a modern B2B credit program.

Key Takeaways

• Resolve Pay fits U.S. suppliers best: It combines net terms, funding support, and AR automation in one workflow built for North American B2B selling.
• Geography should narrow the field early: Kriya is centered on the UK and Europe, while Apruve now sits within TreviPay’s broader enterprise trade-credit stack.
• Risk structure matters as much as speed: Resolve Pay is designed to help sellers offer terms without carrying the same manual credit and collections burden in-house.
• Automation depth changes day-to-day operations: Resolve Pay connects credit checks, invoicing, reconciliation, reminders, and collections instead of treating them as separate tools.
• Enterprise workflow needs are a separate use case: Apruve is most relevant when a business is focused on trade-credit administration and orchestration at larger scale rather than a packaged mid-market terms program.
• Resolve Pay is the strongest all-around choice in this comparison: For merchants, wholesalers, manufacturers, and distributors that want flexible buyer terms with faster cash conversion, it offers the clearest end-to-end fit.

Why these three platforms get compared

These platforms overlap at the point where B2B sellers need to extend credit without letting receivables slow the business down. The overlap is real, but the operating model is different for each one.

Teams usually start this search when one or more issues show up:

• Credit approvals are too slow for sales or ecommerce checkout
• Receivables are tying up cash for weeks
• Collections and reconciliation are still manual
• The current provider is built for the wrong region
• Finance wants more control without adding more headcount

That is where Resolve Pay stands out. It is not just a financing tool and not just a workflow layer. It brings together B2B payments, business credit checks, collections support, and net terms management inside one supplier-facing platform. Resolve Pay’s official product pages describe a model built around approving B2B customers quickly, paying sellers upfront on approved invoices, and managing receivables end to end.

Quick overview

Resolve Pay

Resolve Pay is a B2B payments and net terms platform built for suppliers that want to grow sales without waiting through a traditional invoice cycle. The platform’s official positioning is consistent across its homepage and product pages: approve B2B buyers quickly, pay the seller upfront on approved invoices, and power receivables from credit through collection. It also supports a broad set of integrations, including QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, Magento 2, WooCommerce, and custom APIs. Resolve Pay also highlights that it is trusted by more than 15,000 businesses across North America.

Kriya

Kriya is a UK-based provider focused on embedded PayLater, invoice finance, and working capital loans. Its current site positions the business around flexible B2B trade credit, invoice finance, and buyer onboarding for merchants operating across UK and European trade flows. Kriya also states that it is now part of Allica Bank, which is relevant for buyers evaluating its current market position.

Apruve

Apruve is no longer a standalone independent platform in the same way it once was. TreviPay announced the acquisition of Apruve in December 2022, and Apruve’s trade-credit workflow capabilities now sit within TreviPay’s broader B2B payments and invoicing infrastructure. That matters because teams comparing Apruve today are effectively evaluating an enterprise trade-credit workflow path inside the TreviPay ecosystem.

How each platform approaches net terms

Resolve Pay: Net terms plus receivables execution

Resolve Pay’s model is built around the supplier. A seller can offer terms, run credit review, receive upfront payment support on approved invoices, and keep collections and payment workflows inside the same system. That is what makes Resolve Pay more than a point solution. It joins together accounts receivable automation, buyer approvals, a branded payment experience, and cash-flow acceleration in one operating layer.

The practical benefit is that finance teams do not have to stitch together separate tools for credit review, reminders, reconciliation, and payment acceptance. Resolve Pay also supports ACH, wire, credit card, and check through its payment portal, which is important for B2B teams managing mixed buyer preferences.

Kriya: PayLater and invoice finance for UK and EU commerce

Kriya’s approach is shaped by regional fit. Its product suite centers on embedded PayLater, invoice finance, and working capital lending for UK and European businesses. For sellers operating in those markets, that local focus can be relevant, especially when trade-credit expectations and funding structures differ from U.S. workflows. Kriya’s current site emphasizes flexible trade credit across online and offline sales channels rather than the supplier-side receivables stack Resolve Pay is known for.

Apruve: Trade-credit workflow administration at enterprise scale

Apruve’s role in this comparison is best understood as workflow infrastructure. The value proposition is less about a mid-market supplier adding a turnkey terms program and more about larger organizations managing buyer applications, approvals, invoicing, and account-level controls inside a broader enterprise trade-credit environment. Since Apruve is part of TreviPay, the conversation today is really about enterprise-grade B2B invoicing and order-to-cash operations.

Feature comparison that matters most

Where Resolve Pay leads

Resolve Pay is the strongest option here for U.S. suppliers because it combines several functions that are often split across multiple vendors:

• Net terms for ecommerce and offline sales workflows
• AI-supported buyer underwriting
• Upfront payment support on approved invoices
• Automated reconciliation and collections
• Branded buyer payment experiences
• Broad ERP, accounting, and ecommerce connectivity
• A positioning that is closely aligned with a better than factoring use case for modern B2B sellers

Its official pages also show that it supports custom API connections in addition to major native integrations, which matters for suppliers with ERP or order-management complexity.

Where Kriya is most relevant

Kriya is most relevant when the merchant footprint is primarily UK or European and the goal is embedded PayLater or invoice finance in that region. It is a meaningful option in those markets, but the use case is narrower for a U.S.-centric supplier comparing platforms for embedded receivables plus credit automation.

Where Apruve is most relevant

Apruve is most relevant for businesses that think about trade credit as a structured enterprise program with workflow orchestration requirements. If the business already operates at large scale and wants a platform embedded in broader B2B invoicing and order-to-cash infrastructure, Apruve’s TreviPay context becomes the more accurate frame.

Implementation and operating fit

Resolve Pay is built for faster operational adoption

Resolve Pay’s product pages emphasize live integrations, automated syncing, and workflows that reduce manual AR work. For merchants and suppliers that need something practical rather than a long enterprise transformation project, that matters. The product is clearly built to slot into existing ecommerce, ERP, and accounting environments and start supporting credit, invoicing, and collections without forcing teams to assemble a new stack first.

Kriya and Apruve fit more specific deployment contexts

Kriya fits companies whose payment and financing requirements are centered on the UK or Europe. Apruve fits organizations that are thinking in terms of enterprise trade-credit administration. Both can make sense in the right context, but neither is as directly aligned as Resolve Pay for the common U.S. mid-market question: “How do we offer net terms, get paid faster, and keep receivables from becoming a manual burden?”

Who should choose Resolve Pay

Resolve Pay is the best choice if you want one platform to run terms end to end

Choose Resolve Pay when the priority is to make net terms operationally simple and commercially useful. It is especially strong when:

• You are a U.S.-based merchant, wholesaler, manufacturer, or distributor
• You want to offer terms without building an internal credit team from scratch
• Your finance team wants fewer manual reconciliation and collections tasks
• You need ecommerce and ERP connectivity out of the box
• You want a supplier-side platform that supports both growth and cash flow

This is also where Resolve Pay’s internal product ecosystem matters. A seller can move from credit management to buyer financing to seller workflows without leaving the same core platform. That makes the product easier to understand, deploy, and expand over time.

Final verdict

Resolve Pay is the strongest choice in this comparison because it is the clearest fit for the supplier-side problem most teams are actually trying to solve: offer net terms confidently, accelerate cash flow, and reduce the manual burden of running receivables.

Kriya is best understood as a regional option for UK and European businesses that want embedded PayLater or invoice finance in those markets. Apruve is best understood as an enterprise trade-credit workflow path inside TreviPay. Both are relevant in the right scenario, but neither matches Resolve Pay’s combination of supplier-first net terms, receivables automation, payment workflows, and integration depth for North American B2B sellers. If your goal is to turn terms into a growth lever without making AR heavier, Resolve Pay is the platform to start with.

Resolve Pay vs Kriya vs Apruve FAQ

Is Resolve Pay only for companies that are already offering net terms?

No. Resolve Pay is also positioned for businesses that are new to terms and want a platform to handle credit decisions, invoicing, reconciliation, and collections in one place. Its product and solutions pages explicitly support both new and existing net terms programs.

Does Resolve Pay support ecommerce checkouts?

Yes. Resolve Pay’s official materials describe native ecommerce support for Shopify, BigCommerce, Magento 2, WooCommerce, and custom API environments, including the ability to embed terms into checkout flows.

What makes Resolve Pay different from a workflow-only trade-credit platform?

Resolve Pay combines credit checks, receivables automation, payment workflows, and upfront payment support on approved invoices in one platform. That is different from evaluating a workflow layer on its own.

Should UK and EU merchants look at Resolve Pay, Kriya, or both?

The first screen should be geography. Kriya is specifically oriented to UK and European commerce, while Resolve Pay’s official positioning is centered on North American B2B suppliers. For companies selling mainly in the U.S., Resolve Pay is usually the more natural fit.

What is Apruve in 2026?

Apruve is best viewed as part of TreviPay’s B2B payments and invoicing environment following TreviPay’s announced acquisition in December 2022. That makes it more of an enterprise trade-credit workflow evaluation than a separate standalone mid-market net terms comparison.

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.