Resolve Pay vs Melio vs Apruve

Selecting the right B2B payment solution determines whether your business thrives with healthy cash flow or struggles waiting 30 to 90 days for buyer payments. Melio provides both accounts payable and accounts receivable tools for small and midsize businesses, with a strong emphasis on payment workflows. Apruve was acquired by TreviPay in December 2022, and its historical offering focused on enterprise trade credit automation. Resolve Pay delivers complete net terms financing with non-recourse protection on eligible approved invoices and full AR automation for mid-market manufacturers, distributors, and wholesalers.

Understanding these fundamental differences helps B2B sellers choose the platform that matches their financing needs, operational scale, and growth objectives. Federal Reserve research shows that businesses increasingly value greater payment flexibility and speed while managing cash-flow challenges.

Key Takeaways

• Resolve Pay offers advances on eligible approved invoices within 1-2 business days with non-recourse protection on qualifying transactions, while Melio supports AP and AR payment workflows and Apruve became part of TreviPay's enterprise platform
• Resolve Pay uses AI-supported credit decisioning with instant decisions available for some qualifying workflows and additional review when buyer verification is required
• The platform serves 15,000+ businesses with native integrations for Shopify, BigCommerce, WooCommerce, and Magento, enabling embedded net terms at checkout
• Resolve Pay maintains a 5.0/5 rating on G2 from verified user reviews, with customers highlighting dedicated support and streamlined invoicing capabilities
• Non-recourse advances on eligible approved invoices help protect sellers from qualifying buyer default risk, subject to program terms and standard exclusions
• Full AR lifecycle automation handles invoicing, payment reminders, collections, and reconciliation in a single platform, with users reporting significant reduction in manual AR work
• Agentic collections with multi-channel automated sequences help teams manage follow-up at scale while maintaining professional customer relationships

Understanding B2B Payment Solutions: Resolve Pay, Melio, and Apruve

The B2B payments market encompasses distinct solution categories, each addressing different operational needs and business models. Understanding these fundamental differences helps finance leaders select tools aligned with their company's position in the supply chain.

Payment Platform Categories

Accounts payable and receivable platforms like Melio support payment workflows for small and midsize businesses. According to the U.S. Chamber of Commerce small business research, managing cash flow ranks among the top challenges for growing businesses. These platforms can streamline vendor payments, invoice creation, payment collection, and accounting synchronization. Melio now supports both AP and AR workflows, although its product model differs from Resolve Pay's combination of seller-side net terms financing, credit decisioning, AR automation, and collections.

Enterprise trade credit platforms represent another segment of the market. Apruve historically focused on trade credit automation before its acquisition by TreviPay in December 2022. TreviPay's broader network operates internationally across multiple countries and currencies.

Integrated net terms financing platforms like Resolve Pay represent the complete solution for mid-market B2B sellers. Rather than addressing only payment workflows or requiring enterprise-scale operations, Resolve Pay enables suppliers to offer Net 30, 60, or 90 payment terms to business buyers while receiving advance funds on eligible approved invoices. The platform combines credit decisioning, financing, AR automation, and collections in a single solution.

Why Modernize B2B Payments

Traditional B2B payment processes create significant friction for both buyers and sellers:

• Buyers prefer payment terms that allow them to receive goods before payment is due
• Sellers need cash flow to fund operations, purchase inventory, and invest in growth
• Manual credit checks, invoice generation, and collections consume significant staff time
• Credit risk exposure limits which customers can receive favorable terms

Modern net terms financing platforms address these challenges. With Resolve Pay, sellers can offer buyers their preferred payment terms while receiving advances on eligible approved invoices within 1-2 business days. This transforms the traditional DSO of 30-90 days into improved working capital without requiring sellers to carry the same credit risk exposure on their balance sheet.

Comparing Accounts Receivable Automation

Accounts receivable automation represents a critical differentiator among B2B payment platforms. The approach each platform takes to AR management directly impacts cash flow, operational efficiency, and customer relationships.

How Each Platform Automates AR

Resolve Pay delivers comprehensive AR automation spanning the complete invoice-to-cash lifecycle:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match payments automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Agentic collections with multi-channel automated sequences including email, SMS, and voice AI
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite

The AI-powered collections system represents a significant advancement over traditional approaches. Rather than sending generic payment reminders, the system uses intelligent escalation based on buyer response patterns and payment history. Configurable thresholds trigger appropriate follow-up actions automatically, pausing when payments or disputes are received.

Melio offers both AP and AR functionality. Its AR tools include invoice creation, payment links, card and bank payments, payment tracking, reconciliation, and accounting synchronization. Resolve Pay differs by combining AR workflows with buyer credit decisioning, qualifying invoice advances, and agentic collections.

Apruve, now part of TreviPay, historically combined trade credit automation with AR workflows and financing. Current enterprise capabilities should be evaluated as part of TreviPay's broader platform.

Impact on Cash Flow and DSO

The most significant difference appears in cash flow approach:

• Resolve Pay: Provides qualifying invoice advances while offering non-recourse protection on eligible approved transactions
• Melio: Supports incoming payment and invoicing workflows but uses a different model from Resolve Pay's qualifying net terms advances
• Apruve/TreviPay: Enterprise trade credit infrastructure with payment programs

For a supplier processing significant monthly invoices on net terms, the cash flow difference is substantial. With traditional terms, receivables might sit outstanding for 45+ days on average. With Resolve Pay, eligible suppliers can receive advances on approved invoices within 1-2 business days while buyers pay on their agreed terms.

Key Features for AR Management

Resolve Pay's AR automation includes several capabilities:

• ERP and accounting integrations can automate data exchange and payment reconciliation depending on the connected system and configuration
• White-label buyer portal maintains brand consistency throughout the payment experience
• Flexible payment acceptance including ACH, wire, credit card, and check
• Automated collections with professional, relationship-preserving communication

The business credit check capability integrates directly with the financing workflow. When a buyer applies for terms, Resolve Pay evaluates creditworthiness using automated underwriting and may provide rapid or instant decisions for qualifying buyers, with additional verification when required.

Evaluating Net Payment Terms Solutions

Net payment terms represent the competitive advantage that wins B2B deals. Business buyers prefer suppliers who offer terms over those requiring upfront payment. The question becomes how sellers can offer competitive terms without impacting their cash flow or managing credit risk exposure.

How Net Terms Benefit Buyers and Sellers

For buyers:

• Preserve working capital for operations and growth
• Receive goods before payment is due
• Build trade credit history through successful payment
• Simplify procurement by reducing pre-payment requirements

For sellers using Resolve Pay:

• Win more deals by offering competitive terms
• Receive advances on eligible approved invoices within 1-2 business days
• Reduce qualifying buyer default exposure through non-recourse protection on eligible approved advances
• Maintain customer relationships through professional collections

Resolve Pay's non-recourse structure means sellers generally keep advanced funds when an eligible approved buyer defaults, subject to program terms and standard exclusions such as fraud or disputes. This differs from traditional factoring arrangements where structures vary by provider and can include recourse provisions, reserves, contractual commitments, or other requirements.

Risk Mitigation Strategies

Each platform approaches credit and payment management differently:

Resolve Pay assumes qualifying buyer default risk on eligible approved advances under its non-recourse program. Resolve Pay's credit engine evaluates buyer information and financial signals to support scalable credit decisions. Discreet credit assessment workflows are designed to streamline buyer evaluation.

Melio supports AR payment collection but does not use the same trade-credit financing model as Resolve Pay. Businesses remain responsible for the credit terms they independently extend outside a qualifying non-recourse financing program.

Apruve, now part of TreviPay, historically focused on enterprise trade credit automation. Current risk-management capabilities are provided within TreviPay's broader platform.

Advanced Collections and Payment Workflows

Effective collections preserve customer relationships while ensuring timely payment. The approach each platform takes to collections directly impacts both cash flow and customer satisfaction.

Automated Collections Systems

Traditional collections require staff time for follow-up emails, phone calls, and escalation tracking. This manual approach creates inconsistency, delays, and relationship strain.

Resolve Pay's agentic collections automates the entire process through:

• Multi-channel sequences spanning email, SMS, and voice AI
• Intelligent escalation based on buyer response and payment history
• Configurable thresholds for appropriate timing
• Automatic pause when payment or dispute is received
• Complete interaction logging to invoice records

The system maintains a professional, relationship-preserving tone throughout the collections process. The approach is designed to improve collections consistency while maintaining professional customer communication.

The Role of AI in Payment Follow-ups

AI transforms collections from a reactive process to a proactive, data-driven system. Key AI capabilities include:

• Voice AI for collections calls with logged outcomes and summaries
• Natural language processing for appropriate response handling
• Pattern recognition for timing and channel selection
• Continuous learning from response data

This AI-powered approach helps standardize and scale routine collections workflows while allowing teams to focus on exceptions.

Payment Portals and Buyer Experience

The buyer experience during payment directly impacts conversion rates, payment timing, and relationship quality.

Resolve Pay provides a white-labeled payment portal that maintains the seller's brand throughout the buyer experience:

• Branded buyer dashboard showing invoices, credit lines, and payment history
• Self-serve payment plan options
• Dispute flagging capabilities
• Mobile-responsive checkout experience
• SOC 2 Type II attestation

This white-label approach preserves the seller-buyer relationship. Buyers interact with what appears to be the seller's payment system, maintaining brand consistency and trust.

Integrations and Ecosystem Compatibility

Integration capabilities determine how well a payment platform fits into existing business systems. The depth and quality of integrations directly impacts operational efficiency and data accuracy.

Seamless Data Flow Between Systems

Resolve Pay integrations include:

Accounting and ERP systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Ecommerce platforms:

• Shopify
• BigCommerce
• Magento 2
• WooCommerce

Technical capabilities:

• REST API with webhooks
• Sandbox environment for custom integrations
• Integration and synchronization capabilities for invoice and payment workflows

The integration ecosystem enables connected AR and accounting workflows. Resolve Pay connects with major ERP and accounting systems to sync relevant invoice, payment, and reconciliation data. Available synchronization behavior depends on the specific integration and configuration.

Melio supports payment workflows with accounting software integration including QuickBooks, Xero, and NetSuite. The platform provides synchronization capabilities for payment data.

Apruve, now part of TreviPay, historically targeted enterprise ERP integration. Current enterprise integration capabilities associated with Apruve are now part of TreviPay's broader platform.

Compatibility with Existing Workflows

Resolve Pay's integration approach accommodates diverse existing workflows:

• Distributors can connect Resolve Pay with NetSuite to streamline AR and reconciliation workflows
• Manufacturers can add net terms to Magento checkout
• Wholesalers can integrate payment terms with Shopify Plus

Resolve Pay states that most teams launch in under a week, although timing varies based on systems, configuration, testing, and integration requirements.

Platform Overviews

Resolve Pay

Resolve Pay operates as a complete B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while maintaining healthy cash flow. The platform combines multiple capabilities in a single solution:

• Net Terms Financing: Sellers offer Net 30/60/90 terms; Resolve Pay advances funds on eligible approved invoices
• AI Credit Engine: AI-supported underwriting with rapid decisions and additional verification when required
• AR Automation: Complete lifecycle from invoicing through reconciliation
• Agentic Collections: Multi-channel automated follow-up with intelligent escalation
• Payment Portal: White-labeled buyer experience with flexible payment acceptance

Customer outcomes demonstrate measurable impact. Customers have reported significant revenue growth, reduced approval times, and substantial reductions in manual AR workload.

Melio

Melio provides both accounts payable and accounts receivable tools for small and midsize businesses. The platform supports payment workflows including:

• Invoice creation with branded invoices and payment links
• Payment scheduling and approval workflows
• QuickBooks and Xero native integration
• Payment tracking, reconciliation, and accounting sync
• Card and bank payment acceptance

The platform has processed significant transaction volume and serves businesses managing vendor and customer payments.

Melio's Payment Workflow Focus

Melio supports payment workflows for small and midsize businesses, including accounts payable as well as accounts receivable features such as invoicing, payment links, card and bank payments, tracking, and accounting synchronization.

Resolve Pay addresses a different B2B use case by combining seller-side net terms financing, credit decisioning, AR automation, payment workflows, and agentic collections. For eligible manufacturers, distributors, and wholesalers that want to offer buyer terms while accessing funds earlier on approved invoices, these capabilities can be managed within one Resolve Pay platform.

Apruve And TreviPay

Apruve was acquired by TreviPay in December 2022. Apruve historically specialized in trade credit automation for enterprise B2B sellers, while current global network capabilities are part of TreviPay.

TreviPay's network has publicly reported:

• Operations across 32 countries
• Support for 19 currencies
• A large global B2B transaction network
• Approximately 90,000 active buyers at the time of the acquisition announcement

The Apruve acquisition expanded TreviPay's enterprise trade credit capabilities. Businesses evaluating the former Apruve offering today should assess those capabilities within TreviPay rather than treating Apruve as a separate current platform.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for manufacturers, distributors, wholesalers, and other eligible B2B suppliers that want to offer flexible buyer terms while improving cash flow and reducing manual receivables work.

Its integrated capabilities include:

1. Net terms financing: Eligible approved invoices can qualify for advances while buyers retain their agreed payment terms
2. Non-recourse protection: Qualifying approved advances include protection against eligible buyer default risk, subject to program terms and standard exclusions
3. AR automation: Credit decisioning, invoicing, payment workflows, reconciliation, and collections operate within one connected platform
4. ERP and ecommerce integrations: Resolve Pay connects with major accounting, ERP, and commerce systems to reduce manual data entry
5. AI-supported credit decisioning: Qualifying buyers may receive rapid or instant decisions, with additional verification when required
6. Agentic collections: Automated email, SMS, voice, and payment-portal workflows help teams manage follow-up at scale

Melio serves broader AP and AR payment workflows for small and midsize businesses, while Apruve became part of TreviPay's enterprise trade credit platform. Resolve Pay is specifically positioned around seller-side B2B net terms, qualifying invoice advances, credit management, AR automation, and collections.

Frequently Asked Questions

What are the main differences in how Resolve Pay, Melio, and Apruve handle B2B credit and payments?

Resolve Pay provides non-recourse advances on eligible approved invoices, with sellers generally keeping advanced funds when qualifying approved buyers default, subject to program terms. Melio supports AR payment collection but does not use the same trade-credit financing model. Apruve became part of TreviPay, whose broader platform supports enterprise trade credit programs.

How do these platforms specifically impact a business's cash flow and Days Sales Outstanding?

Resolve Pay provides qualifying invoice advances within 1-2 business days while buyers pay on their agreed terms. Melio supports incoming receivables payments and invoicing, but it does not use the same qualifying invoice-advance model. Apruve became part of TreviPay's enterprise trade credit platform.

What types of businesses are a fit for Resolve Pay?

Resolve Pay is designed for established B2B merchants, manufacturers, wholesalers, and distributors that want to offer payment terms while improving cash flow and automating receivables. Eligibility depends on Resolve Pay's underwriting and business requirements, including its stated annual B2B revenue criteria.

What types of integrations are crucial when choosing between Resolve Pay, Melio, and Apruve?

For sellers offering net terms, ecommerce platform integration enables embedded checkout terms that can increase conversion. For all platforms, accounting software integration ensures accurate financial records. Resolve Pay offers comprehensive integration coverage across both categories with synchronization capabilities for invoice and payment workflows.

Which platform offers the most comprehensive accounts receivable automation features?

Resolve Pay provides AR automation spanning credit decisions, invoicing, payment processing, collections, and reconciliation in a single solution. The agentic collections capability adds multi-channel automated collections to Resolve Pay's broader credit-to-cash workflow. Users have reported significant reductions in manual AR work through Resolve Pay's automation.

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.