Resolve Pay vs Kriya vs BlueVine: 2026 Comparison

B2B suppliers often compare Resolve Pay, Kriya, and BlueVine because all three appear in searches for business financing, net terms, and payment flexibility. In practice, they serve different needs. Resolve Pay is built for B2B sellers that want to offer net terms financing to approved business buyers, receive upfront payment on approved invoices, reduce credit risk, and automate receivables workflows. Kriya is a UK-based B2B PayLater, invoice finance, and SME working capital platform that supports merchants and embedded payment use cases in its market. BlueVine is a US financial technology company focused on business checking, lending, and payment tools through its banking and lending partners.

For US-based B2B suppliers, the most important question is not which company has the broadest financial product set. It is whether the platform helps sellers extend payment terms while protecting cash flow and reducing accounts receivable workload. Resolve Pay is designed around that exact seller-side workflow: buyer credit decisions, net terms, invoice advancement, collections support, reconciliation, and ecommerce or ERP integrations.

This comparison explains how each platform is positioned, where the use cases overlap, and why Resolve Pay is the strongest fit for US B2B suppliers that want to offer terms without carrying the full operational burden internally.

Key takeaways

• Resolve Pay is built for B2B sellers: Resolve Pay helps suppliers offer net terms, advance approved invoices, support buyer credit decisions, and automate accounts receivable workflows.
• Kriya focuses on UK working capital: Kriya supports B2B PayLater, invoice finance, and SME working capital use cases for businesses in the UK market.
• BlueVine is business banking: BlueVine provides business checking, lending, and payment tools, so it is better understood as banking infrastructure rather than a seller-side net terms platform.
• Credit risk structure matters: Resolve Pay uses a non-recourse model for approved advances, helping suppliers reduce exposure when offering terms to business buyers.
• Integrations shape the workflow: Resolve Pay connects with ecommerce, ERP, and accounting systems so suppliers can keep credit, invoicing, payment tracking, and reconciliation in one flow.
• Use case fit should drive the decision: US B2B suppliers that want to offer net 30, net 60, or other approved terms should prioritize a platform designed for receivables and net terms, not a general banking tool.

Why teams compare these platforms

B2B suppliers researching financing options often encounter Resolve Pay, Kriya, and BlueVine during the same search because all three relate to business cash flow. The overlap is understandable. Suppliers want faster access to cash, buyers want more flexible payment options, and finance teams want fewer manual receivables tasks.

The core difference is where each platform sits in the transaction.

Resolve Pay focuses on the seller’s receivables workflow. A supplier can offer approved buyers terms through B2B net terms, receive upfront payment on approved invoices, and use automation to manage invoicing, collections, and reconciliation.

Kriya focuses on UK B2B PayLater, invoice finance, and SME working capital. Its embedded PayLater solution supports merchants that want to give business buyers payment flexibility at checkout.

BlueVine focuses on US business banking and lending. Its checking accounts, payment tools, and lines of credit can support general business operations, but they do not replace a dedicated net terms and AR automation platform.

For US suppliers, this comparison becomes most relevant when the business wants to:

• Offer business buyers net terms without manually underwriting every customer
• Improve cash flow without relying only on a traditional credit line
• Reduce time spent on invoice tracking, payment reminders, reconciliation, and collections
• Connect receivables workflows with accounting, ERP, and ecommerce systems
• Maintain a professional buyer payment experience under the supplier’s brand

These priorities point directly to Resolve Pay’s core use case.

What each platform does

Resolve Pay: B2B net terms and AR automation for suppliers

Resolve Pay helps B2B merchants grow sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payment workflows. It is designed for suppliers, manufacturers, wholesalers, and distributors that sell to business buyers and want to offer payment flexibility without turning receivables into a manual burden.

With Resolve Pay, suppliers can offer approved buyers net terms while Resolve Pay supports the credit decision, invoice advancement, payment reminders, collections workflows, and reconciliation. The platform is positioned as an embedded B2B payments and receivables solution, not a traditional loan or standalone banking product.

Resolve Pay supports:

• Buyer credit checks and credit decisioning
• Net 30, net 60, net 90, and custom payment terms, subject to approval
• Upfront payment on approved invoices
• Non-recourse cash advances for approved customers
• Invoicing, collections, and reconciliation workflows
• Buyer payment portals that support ACH, wire, check, and card payments
• Ecommerce, ERP, and accounting integrations

Resolve Pay also offers accounts receivable automation for companies that want to manage more invoice types in one system, including net terms, COD, and due upon receipt. This makes Resolve Pay useful for suppliers that need more than a checkout payment option. It supports the broader credit-to-cash workflow.

Kriya: UK B2B PayLater, invoice finance, and working capital

Kriya is a UK-based B2B finance platform formerly known as MarketInvoice and MarketFinance. It has operated in business finance since 2011 and supports products such as B2B PayLater, invoice finance, and SME working capital.

Kriya’s PayLater product allows UK merchants to offer flexible payment terms to business buyers. In 2024, Kriya announced its availability through Stripe in the UK, allowing eligible Stripe users to add PayLater options to B2B checkout. Its model includes real-time buyer onboarding, instant spending limits, and seller protection for approved transactions.

In October 2025, Allica Bank completed its acquisition of Kriya. Allica stated that Kriya would continue operating under its own brand and that the acquisition would support Allica’s working capital and embedded finance strategy. This is relevant for UK businesses evaluating Kriya, but it does not make Kriya a US net terms solution for domestic US suppliers.

Kriya is best understood as a UK working capital and embedded payment terms provider. It can be relevant for UK merchants, but its market focus differs from Resolve Pay’s seller-side net terms platform for US B2B suppliers.

BlueVine: US business banking and lending

BlueVine is a financial technology company that provides US business checking, payment tools, and business lending products through its banking and lending partners. It is commonly evaluated by small businesses looking for a digital operating account, access to credit, and tools for managing cash flow.

BlueVine can be useful for general business banking needs, including storing deposits, sending payments, receiving customer payments, and accessing a business line of credit if approved. However, it is not a dedicated net terms platform for suppliers.

That distinction matters. A business line of credit gives the business access to borrowed capital. A net terms platform helps the seller offer payment terms to buyers, receive payment on approved invoices, and manage the receivables workflow connected to those invoices. These are different financial structures.

BlueVine may support the operating account side of a financial stack. Resolve Pay supports the seller-side net terms and AR automation side.

Resolve Pay vs Kriya vs BlueVine: feature comparison

Credit risk and cash flow

Resolve Pay’s non-recourse model

Credit risk is one of the biggest differences between a seller-side net terms platform and a general credit product.

When suppliers extend payment terms on their own, they are effectively financing the buyer. The supplier ships goods or delivers services, waits for payment, and carries the risk that the buyer pays late or fails to pay. That can increase DSO and create cash flow strain.

Resolve Pay helps address that problem through non-recourse financing for approved customers. For approved advances, Resolve Pay takes on the credit assessment, credit decision, and collections process. Suppliers receive upfront payment on approved invoices while buyers receive the approved time to pay.

This model is especially useful for B2B suppliers that want to grow sales by offering terms but do not want to manage every part of the credit and collections process internally.

Kriya’s seller protection for UK PayLater

Kriya’s PayLater product includes buyer onboarding, spending limits, and seller protection for approved transactions. This supports UK merchants that want to offer business buyers flexible payment options through supported channels.

For a UK merchant, this can be a relevant embedded payment option. For a US supplier, the main limitation is not the concept. It is market fit. Kriya is designed around UK availability and UK payment infrastructure.

BlueVine’s credit products

BlueVine’s credit products are structured as business financing. A line of credit can help a company fund operations, bridge timing gaps, or manage short-term cash needs. That is different from transferring buyer payment risk within a net terms workflow.

With a line of credit, the business is the borrower. The business remains responsible for repayment regardless of when its customers pay. With Resolve Pay, approved net terms transactions are connected to the buyer receivable workflow, and Resolve Pay supports the credit and collections process for approved buyers.

For suppliers trying to reduce exposure tied to customer invoices, that distinction is material.

Geographic focus

Resolve Pay in the United States

Resolve Pay is built for US-based B2B suppliers that sell to business buyers and want to offer payment terms. Its platform fits companies that need seller-side net terms, buyer credit checks, invoice advancement, and AR automation within a US commercial context.

The strongest fit is a supplier that sells domestically, already offers or wants to offer terms, and needs a system that connects buyer credit, invoices, payments, and reconciliation.

Kriya in the United Kingdom

Kriya operates in the UK market and supports UK merchants through products such as PayLater, invoice finance, and working capital. Its acquisition by Allica Bank reinforces its position within the UK SME finance ecosystem.

For companies selling primarily in the UK, Kriya may be a relevant B2B PayLater and working capital option. For US-based suppliers, Resolve Pay is better aligned with domestic net terms and receivables workflows.

BlueVine in the United States

BlueVine serves US businesses with banking, payments, and credit products. It can support the operating account side of a US business, but it is not designed to manage buyer credit approvals, net terms checkout, invoice advancement, or collections for B2B sellers.

A supplier may use a digital bank and a net terms platform in the same financial stack, but they solve different problems.

Platform integrations compared

Resolve Pay integrations

Resolve Pay is designed to fit into the systems B2B sellers already use. Its integration options include ecommerce, ERP, and accounting systems so teams can reduce duplicate entry and keep payment data connected.

Resolve Pay supports integrations with platforms such as:

• QuickBooks Online
• Xero
• NetSuite
• Sage Intacct
• Shopify
• BigCommerce
• Magento 2
• WooCommerce
• Custom ecommerce platforms through API options

Resolve Pay’s B2B payments platform can also support branded payment portals and payment methods such as ACH, wire, card, and check. For suppliers managing both online and offline orders, this helps keep the buyer payment experience consistent across channels.

Kriya integrations

Kriya’s integrations focus on embedded PayLater and UK merchant workflows. Its Stripe UK launch made Kriya available to eligible B2B merchants using Stripe checkout in the UK. Kriya also supports API-based implementations for merchants that need embedded payment terms in ecommerce and omnichannel settings.

This integration model is useful for UK businesses that want to add B2B PayLater into supported checkout flows.

BlueVine integrations

BlueVine’s integrations reflect its business banking focus. It supports banking-related workflows, payment tools, and accounting connections that help small businesses manage money movement and basic financial operations.

That makes BlueVine useful for operating account management. It does not replace the deeper seller-side workflow that Resolve Pay provides for business credit checks, approved net terms, invoice advancement, collections, and AR reconciliation.

When Resolve Pay is the strongest fit

US suppliers offering net terms

Resolve Pay is strongest when a US B2B supplier wants to offer flexible payment terms to approved business buyers while improving cash flow. This is especially relevant for suppliers that already hear requests for net 30, net 60, or net 90 terms from buyers.

The fit is strongest when the supplier needs:

• Buyer credit checks before extending terms
• Upfront payment on approved invoices
• A non-recourse structure for approved advances
• A branded buyer payment experience
• Automated invoice reminders and collections workflows
• Reconciliation with accounting or ERP systems
• Ecommerce checkout support for B2B buyers

For sellers that want to offer net terms online, Resolve Pay’s ecommerce terms options can bring payment flexibility into checkout while keeping finance workflows connected.

Suppliers managing manual AR

Manual receivables workflows can slow down finance teams. Payment reminders, credit decisions, invoice status updates, reconciliation, and collections follow-up all take time. As order volume grows, that workload becomes harder to manage with spreadsheets and disconnected tools.

Resolve Pay is designed to reduce that operational load. It brings credit, invoicing, collections, and payment tracking into a connected platform so suppliers can spend less time chasing invoices and more time supporting customers.

For suppliers reviewing their own cash conversion cycle, days sales outstanding is often a useful metric. Public finance resources, including the Federal Reserve’s small business credit research and the US Census Bureau’s business data, also show why cash flow and access to credit remain recurring concerns for small and midsize businesses.

Suppliers that want a modern alternative to factoring

Traditional factoring can help businesses access cash tied up in invoices, but it may create a third-party collections experience that does not fit every supplier relationship. Resolve Pay is positioned as a modern factoring alternative because it combines credit decisioning, invoice advancement, payments, and AR automation in a more embedded workflow.

Suppliers retain a professional buyer experience while Resolve Pay supports the credit and collections infrastructure behind the scenes.

How to evaluate the three options

Start with the business problem

The easiest way to compare Resolve Pay, Kriya, and BlueVine is to define the job you need the platform to do.

Choose a seller-side net terms platform if the problem is:

• Buyers want more time to pay
• Your business wants upfront payment on approved invoices
• Your finance team needs help with credit checks and collections
• You want to reduce receivables risk and manual AR work
• You need integrations with ecommerce, ERP, or accounting tools

Choose a UK PayLater or working capital platform if the problem is:

• You are a UK merchant
• You need embedded B2B PayLater in supported UK checkout flows
• You are evaluating invoice finance or SME working capital in the UK market

Choose a business banking platform if the problem is:

• You need a US business checking account
• You want standard banking payments and money movement
• You are evaluating a business line of credit for general working capital
• You do not need buyer-facing net terms or AR automation

For a US B2B supplier, Resolve Pay is the most directly aligned option when the priority is offering terms, getting paid faster on approved invoices, and keeping receivables connected to core systems.

Consider buyer experience

Payment terms are not only a finance function. They shape the buyer experience. Business buyers often expect flexible payment options, especially for larger orders, repeat purchasing, or procurement cycles that require invoice-based payment.

Resolve Pay helps sellers offer that flexibility through a branded workflow. Buyers can apply for terms, receive approved credit options, and pay through supported methods. Sellers can continue building the customer relationship while Resolve Pay supports the operational infrastructure.

This is different from asking the supplier to fund every invoice internally or requiring the buyer to use a consumer-style payment experience that does not fit B2B purchasing.

Consider internal workload

A net terms program is only sustainable if the finance team can manage it. Without automation, the supplier must handle credit applications, trade references, approval limits, invoice reminders, payment tracking, collections, and reconciliation.

Resolve Pay is built to reduce that workload through connected credit and AR workflows. For businesses that sell through multiple channels, including ecommerce, sales reps, invoicing, and repeat account purchasing, this connected approach matters.

Public resources from the SBA also emphasize the importance of disciplined financial management for small businesses. For B2B suppliers, receivables management is a major part of that discipline.

Final verdict

Resolve Pay is built for US B2B suppliers that want to offer net terms, receive upfront payment on approved invoices, reduce credit risk, and automate accounts receivable workflows. It combines buyer credit checks, invoice advancement, payment workflows, collections support, and integrations across ecommerce, ERP, and accounting systems.

For US B2B suppliers, the decision is straightforward: if the goal is to offer payment terms to buyers while protecting cash flow and streamlining receivables, Resolve Pay is the platform purpose-built for that workflow.

See how Resolve Pay works

Frequently asked questions

What is the difference between Resolve Pay and BlueVine?

Resolve Pay is a B2B net terms and accounts receivable platform for sellers. It helps suppliers offer payment terms to approved buyers, receive upfront payment on approved invoices, and manage receivables workflows. BlueVine is a financial technology company focused on business banking, payments, and lending products through partner institutions.

Is Kriya available for US-based suppliers?

Kriya is focused on the UK market. US-based B2B suppliers looking for seller-side net terms, invoice advancement, and AR automation should evaluate Resolve Pay for domestic B2B receivables workflows.

Does Resolve Pay support net 30, net 60, and net 90 terms?

Yes. Resolve Pay supports net 30, net 60, net 90, and custom payment terms, subject to buyer verification and approval. Suppliers can use Resolve Pay to offer approved buyers more time to pay while improving cash flow on approved invoices.

Does Resolve Pay require suppliers to manage collections manually?

Resolve Pay supports collections and payment reminder workflows as part of its accounts receivable automation platform. Suppliers can use Resolve Pay to reduce manual follow-up and keep payment tracking connected to their broader receivables workflow.

Can Resolve Pay integrate with ecommerce and accounting systems?

Yes. Resolve Pay supports integrations across ecommerce, ERP, and accounting systems, including platforms such as Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, NetSuite, and Sage Intacct. These integrations help suppliers connect buyer credit, invoicing, payment status, and reconciliation.

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.