Selecting the right B2B payment and financing solution determines how efficiently your business manages cash flow, credit risk, and customer relationships. While Kriya focuses on UK and European markets with PayLater and invoice finance products, and Settle centers on accounts payable automation for CPG brands, Resolve Pay delivers comprehensive net terms financing combined with AI-powered AR automation for North American B2B sellers.
Understanding these fundamental differences between seller-side financing, regional specialization, and buyer-side operations helps manufacturers, distributors, and wholesalers choose the platform that matches their growth objectives and operational needs.
The B2B payments and financing market encompasses solutions serving fundamentally different operational needs. Rather than competing head-to-head, Resolve Pay, Kriya, and Settle address separate segments of the supply chain with specialized capabilities.
Seller-side net terms platforms like Resolve Pay enable manufacturers, distributors, and wholesalers to offer deferred payment terms to their business buyers while receiving faster cash flow. The seller receives advances on approved invoices, the buyer gets time to pay, and the platform manages credit assessment on approved transactions.
Regional B2B PayLater providers like Kriya focus on specific geographic markets with deep local expertise. Operating primarily in the UK and Europe, Kriya offers PayLater financing, invoice discounting, and working capital products tailored to regional banking regulations and business practices.
Buyer-side operations platforms like Settle flip the perspective entirely, helping CPG and ecommerce brands manage what they pay rather than what they collect. Settle consolidates accounts payable, procurement, and inventory management into a single system, with optional working capital to fund inventory purchases.
Resolve Pay operates as an integrated B2B payments platform that combines net terms financing, credit decisioning, accounts receivable automation, and collections management. The platform supports Net 30, 45, 60, and 90 day terms for business buyers, with advance structures varying based on approval and risk.
Resolve Pay's non-recourse financing model helps protect sellers from buyer default risk on eligible approved advances. Resolve Pay manages buyer credit assessment and underwriting, and sellers keep non-recourse advanced funds when a covered approved buyer defaults, subject to the applicable program terms.
The AI credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions typically arrive within 24 hours, with instant approvals available for qualifying purchases. This replaces the manual trade reference calls, spreadsheet tracking, and multi-day approval processes that slow B2B sales cycles.
AR automation capabilities extend beyond financing to encompass the entire receivables workflow:
The agentic collections system uses multi-channel automated sequences spanning email, SMS, and voice AI outbound calls. Intelligent escalation adjusts based on buyer response patterns and payment history, pausing automatically when payments or disputes arrive.
Resolve Pay provides native integrations with major ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. The platform won the 2025 BigCommerce Innovative Integration Award, reflecting deep embedded checkout capabilities that allow buyers to select net terms at the point of purchase.
Accounting and ERP integrations cover QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, enabling two-way sync of invoice and payment data. REST APIs with webhooks and sandbox environments support custom integrations for businesses with unique technical requirements.
Most Resolve Pay implementations complete in under one week, with self-service onboarding for standard configurations and dedicated support for larger deployments. Resolve Pay is SOC 2 Type II attested, reflecting independently examined security controls.
Resolve Pay serves mid-market B2B sellers in the US and Canada with annual revenue typically above $1 million. Primary industries include:
Kriya operates as a UK-based B2B finance platform specializing in PayLater, invoice finance, and working capital solutions. The company has processed over $5 billion since its founding in 2011, establishing a track record in UK business lending.
The platform offers multiple financing products serving different business needs:
Kriya became an official B2B BNPL partner for Stripe in the UK, enabling merchants using Stripe to offer spending limits at checkout. This partnership extends Kriya's reach across Stripe's UK merchant base.
In October 2025, Allica Bank acquired Kriya as part of a plan to deploy £1 billion in SME working-capital finance by 2028. The acquisition gives Kriya access to Allica Bank's funding base while expanding Allica's working-capital and embedded-finance offering.
Kriya primarily serves UK-based sellers with buyer support extending to 45 countries and multiple currencies. The platform's expertise centers on UK and European regulatory environments, banking integrations, and business practices.
Kriya integrates with ecommerce platforms including BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce. The embedded PayLater solution allows online checkout integration similar to consumer BNPL experiences.
Settle positions itself as an all-in-one operations platform for consumer packaged goods brands, combining accounts payable automation, procurement management, and inventory tracking. Unlike Resolve Pay and Kriya, which focus on helping sellers get paid, Settle helps brands manage what they pay to suppliers.
The platform has provided working capital to CPG brands, primarily through facilities for inventory purchases. This buyer-side approach serves a fundamentally different operational need than seller-side net terms financing.
Accounts Payable Automation: Settle centralized vendor payments, bill management, and payment scheduling. The platform handles W-9 collection, payment approval workflows, and multi-method disbursements.
Procurement Management: Purchase order creation, tracking, and three-way matching (PO to receipt to invoice) streamline vendor relationships. Teams can manage supplier communications and track order status through a unified interface.
Inventory Management: Real-time SKU tracking across warehouses and sales channels provides visibility into stock levels, reorder points, and inventory value. Integrations with fulfillment partners including ShipBob, Stord, ShipMonk, and ShipStation consolidate data from distributed operations.
Landed Cost Calculation: Settle launched an accounts payable solution to automate landed costs at the SKU level for CPG brands. This feature calculates true product costs including shipping, duties, and handling fees.
Settle's integrations reflect its CPG focus:
The platform targets omnichannel CPG brands managing inventory across direct-to-consumer, retail, and wholesale channels.
Net terms financing and invoice factoring represent core value propositions for B2B sellers seeking cash flow acceleration. Each platform approaches this differently based on their market positioning.
Resolve Pay's Advance Pay product can provide an upfront advance on eligible approved invoices, with available advance percentages depending on the transaction and buyer risk profile. Resolve Pay's non-recourse structure protects sellers from buyer default risk on covered approved advances.
Key characteristics include:
The model works particularly well for distributors and manufacturers who want to offer competitive terms without tying up working capital.
Kriya offers multiple financing products for UK/European businesses. PayLater enables buyer-facing checkout financing where merchants receive payment while buyers use extended terms. Invoice finance provides traditional receivables financing where businesses advance against outstanding invoices, with funding typically arriving within 24 hours.
Settle does not offer invoice financing or net terms for sellers. Instead, the platform provides working capital facilities for CPG brands to fund inventory purchases. This buyer-side financing helps brands pay suppliers and manage cash flow around inventory cycles, tied to procurement and inventory management workflows.
AR and AP automation represent opposite sides of the B2B payment equation. Understanding which workflow your business needs to optimize determines platform fit.
Resolve Pay provides comprehensive accounts receivable management that extends beyond financing:
Customer reports indicate up to 90% reduction in manual AR work through automation. The platform handles the complete receivables lifecycle from invoice creation through payment collection.
Kriya's PayLater product includes AR functionality within its checkout financing flow. When buyers select PayLater at checkout, Kriya manages the receivable lifecycle including payment collection. This product-specific AR is tied to PayLater transactions rather than comprehensive portfolio management.
Settle focuses exclusively on accounts payable rather than receivables:
For CPG brands managing dozens or hundreds of supplier relationships, Settle consolidates AP workflows that might otherwise require multiple tools or spreadsheets.
Platform integrations determine how well each solution fits existing technology stacks. Each platform prioritizes different integration categories based on their target markets.
Resolve Pay provides native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. Embedded checkout allows B2B buyers to select net terms during online purchases.
Kriya integrates with BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce. The Stripe partnership enables PayLater for UK Stripe merchants.
Settle offers Shopify native integration focused on CPG and DTC brands, prioritizing inventory and fulfillment integrations over B2B checkout.
Resolve Pay connects with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way sync. Real-time payment data flows to accounting systems automatically.
Kriya provides accounting integrations depending on product, with specific coverage varying by financing product selected.
Settle integrates with QuickBooks Online, NetSuite, and Finaloop, with AP-focused integrations for expense tracking and vendor payments.
Resolve Pay is designed for B2B sellers that want to connect customer credit, flexible net terms, faster cash flow, accounts receivable automation, payments, and collections in one workflow.
Key capabilities include:
Kriya and Settle address different areas of business finance and operations. Resolve Pay's distinction is its integrated credit-to-cash approach for manufacturers, distributors, wholesalers, and other B2B sellers that want to offer payment terms while improving cash-flow predictability and reducing receivables administration.
For businesses seeking to accelerate receivables, offer net terms to customers, or automate AR collections workflows, Resolve Pay's seller-focused platform combines these functions in a single solution designed specifically for North American B2B commerce.
Traditional invoice factoring typically involves recourse provisions where sellers must buy back invoices if customers don't pay. Resolve Pay uses a non-recourse advance structure for eligible approved invoices. If a covered approved buyer defaults, the seller keeps the non-recourse advanced funds, helping reduce bad-debt exposure while accelerating cash flow.
Resolve Pay can provide advances within 24 hours on eligible approved invoices. Credit decision timing depends on the buyer and verification requirements, with decisions typically available within 24 hours and some qualifying transactions receiving faster decisions. This helps B2B sellers improve cash-flow predictability while continuing to offer customers flexible payment terms.
Yes. Resolve Pay provides native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce for ecommerce. Accounting and ERP integrations include QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way data sync. REST APIs with webhooks and sandbox environments support custom integrations for businesses with unique technical requirements.
Mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries gain significant value from Resolve Pay's AR automation. Resolve Pay customer results demonstrate reductions of up to 90% in manual AR work, although outcomes depend on existing workflows and implementation. The platform serves industries including HVAC parts distribution, electrical supplies, industrial equipment, medical devices, and construction materials.
Resolve Pay primarily focuses on B2B sellers in the United States and Canada, including manufacturers, distributors, wholesalers, and suppliers. Businesses should confirm eligibility and supported transaction requirements with Resolve Pay based on their specific operating footprint and buyer base.
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.