Resolve Pay vs Kriya vs Hokodo

B2B payment terms can drive larger orders and smoother buyer relationships, but they also create pressure on cash flow, underwriting, and collections. That is why this comparison matters. Businesses looking at Resolve Pay, Kriya, and Hokodo are usually trying to solve the same core problem: how to let business buyers purchase on terms without forcing the seller to carry more operational drag or more credit exposure.

In practice, these platforms are not identical alternatives. Resolve Pay is built around the full seller-side workflow, combining net terms, accounts receivable automation, payments, and credit decisioning in one operating layer. Kriya remains active in the UK market and is now part of Allica Bank, as covered in this October 2025 acquisition announcement and this PYMNTS report. Hokodo, meanwhile, is no longer operating, which shifts this from a three-way active platform comparison into a closer look at two live options and one historical reference point. That matters in a market where the OECD 2025 SME financing highlights continue to show how much late payments and working-capital pressure affect business growth.

Key Takeaways

• Resolve Pay connects terms to receivables execution: It is designed to handle credit, invoicing, collections, and payments in one workflow rather than treating terms as a checkout-only feature.
• Geography shapes the comparison: Resolve Pay is oriented around US B2B sellers, while Kriya is aligned more closely with UK merchants and embedded finance use cases.
• Hokodo is now historical context: The platform is no longer operating, so it is useful mainly as background for teams researching the category.
• Operational depth matters more than category labels: The better comparison is underwriting, AR automation, reconciliation, and collections support, not just whether a product is called BNPL.
• Resolve Pay is especially relevant for sellers with repeat invoicing and account-based buying: That includes manufacturers, wholesalers, distributors, and B2B ecommerce merchants.
• For US businesses that want terms without more finance overhead, Resolve Pay is the stronger fit: Its combination of non-recourse structure, integrations, and receivables automation is more aligned with that use case.**

Quick Overview

Resolve Pay

Resolve Pay is a B2B payments and net terms platform built for merchants that want to grow sales while keeping tighter control over cash flow and receivables. Its product set includes B2B payments, business credit checks, integrations, and net terms management. Resolve Pay says approved invoices can be paid upfront within a day while buyers receive business payment terms, and its current integrations span QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, WooCommerce, and Magento. It also continues to position itself as a modern factoring alternative for sellers that want to accelerate cash flow without handing off the customer experience.

Kriya

Kriya is a UK embedded finance and invoice finance provider with a long history in SME finance through its earlier MarketInvoice and MarketFinance branding. Its current role in this comparison is tied mainly to British merchants and UK-based embedded payment flows. Since its acquisition by Allica Bank in October 2025, Kriya has become part of a broader SME banking and working-capital strategy, which keeps it relevant for UK businesses evaluating digital trade credit and related payment options.

Hokodo

Hokodo was one of the more visible names in European B2B BNPL and digital trade credit, but it is no longer an active option for merchants. Industry coverage on the shift, including this 2026 market summary, now treats it as a platform merchants need to replace rather than adopt. That changes the nature of this comparison, because Hokodo is now better understood as a historical benchmark for the category rather than a current implementation choice.

Resolve Pay vs Kriya vs Hokodo: Quick comparison

Where Resolve Pay stands out

It links net terms to the full receivables workflow

Many businesses do not just need a way to approve buyers at checkout. They need a system that carries the process forward into invoicing, payment collection, follow-up, and reconciliation. Resolve Pay is built around that full chain. Sellers can combine credit management, AR automation, and buyer payment workflows inside the same platform instead of stitching together separate point solutions.

It is designed for seller-side B2B operations

Resolve Pay fits businesses that sell through a mix of ecommerce, sales reps, manual invoicing, and recurring customer relationships. That matters for manufacturers, distributors, wholesalers, and hybrid B2B merchants that do not operate like consumer checkout businesses. The platform’s structure is built around the seller’s operational reality, including branded payment experiences, collections support, and integrated bookkeeping workflows.

Its integrations are practical for finance and commerce teams

Resolve Pay’s current integration library includes the accounting, ERP, and ecommerce systems many B2B sellers already rely on. That makes implementation easier for teams that want payment terms, receivables data, and transaction records to live inside their existing systems. Instead of adding another isolated workflow, businesses can use Resolve Pay integrations to keep their finance stack connected.

How Kriya fits in the comparison

Kriya is most relevant for UK merchants

Kriya is best understood here as a UK-focused option. Its acquisition by Allica Bank strengthened its role in British SME finance, but that does not make it a like-for-like platform for US sellers trying to modernize receivables and payment operations. For a UK merchant already aligned with embedded finance or digital invoice finance, Kriya can be part of the conversation. For US suppliers comparing operational fit, the decision usually points back to whether they need a UK finance product or a B2B payments platform designed around US receivables.

The main difference is platform scope

Kriya can fit businesses looking for embedded finance in a specific market. Resolve Pay is broader in day-to-day finance operations because it combines payment terms with AR workflows, payment collection, and system integrations. That difference matters more than category labels. A merchant can call both products B2B payment tools, but the practical scope of what finance teams can run inside each platform is not the same.

What Hokodo’s exit changes

It narrows the live decision set

Because Hokodo is no longer operating, merchants researching this space today are effectively comparing live alternatives rather than selecting among three active platforms. That makes vendor continuity, implementation fit, and operational support even more important. Businesses are not just choosing a feature set. They are choosing a partner that touches credit decisions, receivables timing, and customer payment behavior.

It highlights the importance of durability in B2B payments

A B2B payments platform sits close to cash flow, customer relationships, and collections. That makes stability part of the buying decision. In a category still shaped by payment delays and working-capital constraints, long-term operational fit matters just as much as product positioning. The same OECD 2025 SME financing highlights reinforce why sellers continue looking for ways to shorten cash-conversion cycles and reduce manual receivables pressure.

Why Resolve Pay is the strongest fit for many B2B sellers

For US-based B2B merchants, Resolve Pay is the most complete option in this comparison because it is built around the full seller workflow, not just one point in the transaction. Businesses can use net terms for ecommerce, run business credit checks, manage B2B payments, and connect everything through integrations. That structure makes sense for suppliers that want to offer terms, reduce manual finance work, and keep customer payment operations moving through one platform.

Resolve Pay is also better aligned with finance teams that want receivables automation alongside buyer flexibility. Rather than forcing a business to separate underwriting, payment collection, and reconciliation into different tools, it gives sellers one operating layer for the credit-to-cash cycle. For manufacturers, wholesalers, distributors, and B2B ecommerce merchants in the US, that makes Resolve Pay the clearest fit among the platforms in this comparison.

Frequently Asked Questions 

What is Resolve Pay used for?

Resolve Pay helps B2B sellers offer payment terms while managing credit checks, invoicing, collections, payments, and reconciliation inside one platform. Businesses can explore its accounts receivable tools, payments platform, and product overview to see how the workflow fits together.

Does Resolve Pay support ERP and ecommerce integrations?

Yes. Resolve Pay highlights integrations with QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, WooCommerce, and Magento, along with API support for custom environments. That is one reason it works well for teams that want receivables activity connected to their existing systems.

Can Resolve Pay help reduce manual AR work?

Yes. Resolve Pay is built around receivables automation, including invoicing, reminders, collections, and reconciliation. Businesses looking for that functionality can review its AR automation and net terms management pages.

Is Resolve Pay only for ecommerce businesses?

No. Resolve Pay supports online, offline, and hybrid B2B sales workflows. That includes ecommerce checkout flows, rep-assisted selling, invoice-based transactions, and repeat account relationships across different channels.

What should B2B sellers look for in a net terms platform?

The most important areas are underwriting, receivables workflow depth, integrations, collections support, and cash-flow impact. For many US sellers, Resolve Pay is attractive because it combines those functions in one system with competitive pricing and a model built specifically for B2B operations.

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.