Resolve Pay vs Melio vs Behalf

Selecting the right B2B payment platform can define your company's cash flow trajectory and competitive positioning. While Melio operates as an accounts payable tool for vendor bill payments and Behalf ceased operations in January 2023, Resolve Pay delivers comprehensive net terms financing with non-recourse protection that can reduce exposure to covered buyer defaults on approved transactions while accelerating cash flow. Understanding these fundamental differences between AP-focused tools, defunct platforms, and integrated financing solutions helps manufacturers, distributors, and wholesalers choose the approach that matches their growth objectives and operational requirements.

When B2B sellers evaluate payment platforms, the choice between accounts payable tools, defunct solutions, and comprehensive financing platforms becomes critical. Three distinct approaches represent fundamentally different philosophies toward B2B payments and business financing needs. Melio operates as an AP platform focused on helping businesses pay their vendors. Behalf previously operated in B2B financing before ceasing operations in January 2023. Resolve Pay takes a different approach, delivering integrated net terms financing, credit decisioning, AR automation, and collections in a single platform designed specifically for B2B sellers.

Key Takeaways

• Behalf ceased operations in January 2023, while Resolve Pay remains an active B2B net terms platform combining non-recourse advances on eligible approved invoices with credit decisioning and AR automation
• Resolve Pay can advance up to 90% of eligible approved invoice value, with funds generally received within 1-2 business days while buyers retain their approved payment terms
• Resolve Pay's AI credit engine delivers credit decisions in 10-30 seconds at checkout, replacing weeks of manual underwriting that traditional methods require
• Xero completed its acquisition of Melio on October 15, 2025, bringing Melio's SMB bill payment capabilities into Xero's broader accounting and payments ecosystem
• Resolve Pay serves 15,000+ businesses with native ecommerce integrations for Shopify, BigCommerce, WooCommerce, and Magento, enabling net terms directly at checkout
• Resolve Pay's AR automation reduces manual work by 90% through AI-powered invoice generation, payment reminders, reconciliation, and collections
• Resolve Pay states that its platform is SOC 2 Type II attested, supporting independently assessed security and control practices

Understanding B2B Payment Solutions: Resolve Pay, Melio, and Behalf at a Glance

The B2B payments landscape includes solutions designed to address different payment, cash flow, and working capital needs. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution requirements.

Core Offerings Compared

Resolve Pay operates as a comprehensive B2B payments platform enabling sellers to offer Net 30/60/90 terms while receiving advance payment. The platform combines credit decisioning, non-recourse financing, AR automation, and collections management into a unified solution. Sellers can offer competitive payment terms without cash flow strain on approved invoices.

Melio functions as an accounts payable platform designed to help businesses pay their vendors and manage outgoing payments. The platform provides bill payment capabilities, ACH processing, and accounting software integration, primarily focused on simplifying how businesses pay suppliers rather than how they collect from customers.

Behalf previously provided B2B financing services but ceased operations in January 2023. The company had also undergone workforce reductions during 2022 before becoming inactive.

Target Markets Defined

The platforms serve distinctly different business needs:

• Resolve Pay targets B2B sellers including manufacturers, distributors, and wholesalers with $1M+ annual revenue who want to offer net terms to their business customers while maintaining healthy cash flow
• Melio targets small businesses seeking to simplify accounts payable workflows, pay vendors via ACH or card, and sync with QuickBooks or Xero
• Behalf targeted business buyers seeking deferred payment options at checkout, but this market is no longer served since the platform's closure

The fundamental distinction lies in direction of cash flow: Resolve Pay helps sellers collect from customers efficiently while offering competitive terms. Melio helps buyers pay vendors more easily.

Accounts Receivable Automation Software: Streamlining Your Cash Flow with Resolve Pay

Managing accounts receivable manually creates bottlenecks that slow cash collection and consume finance team resources. Resolve Pay's AR automation platform addresses these challenges through AI-powered workflows that handle the entire receivables lifecycle.

Automated Invoice Management

Resolve Pay transforms invoice processing through intelligent automation:

• Automated invoice generation synced directly from ERP and accounting systems eliminates manual data entry
• Smart payment reconciliation uses machine learning to match payments to invoices automatically
• Real-time AR dashboards display DSO, aging buckets, and portfolio health metrics at a glance
• Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite keeps records current across systems

The platform handles invoice creation, delivery, tracking, and reconciliation without requiring manual intervention for routine transactions. Finance teams gain visibility into receivables status while the system handles operational execution.

AI-Powered Collections

Resolve Pay's agentic collections capability uses multi-channel automated sequences to recover payments while preserving customer relationships:

• Email, SMS, and voice AI outreach follows configurable schedules based on invoice aging
• Intelligent escalation adjusts approach based on buyer response patterns and payment history
• Automatic pause functionality stops sequences when payments or disputes are received
• Complete interaction logging maintains audit trails for every customer touchpoint

The collections approach maintains professional, friendly communication that protects long-term customer relationships while improving collection rates.

How Melio Handles AR

Melio's primary focus remains accounts payable rather than accounts receivable. The platform offers basic invoicing capabilities but serves businesses focused on vendor payment workflows rather than comprehensive receivables management.

Invoice Financing: Securing Your Working Capital with Resolve Pay's Non-Recourse Model

Invoice financing transforms accounts receivable into immediate working capital, but the structure of financing arrangements varies dramatically across providers. Understanding the differences between recourse and non-recourse models reveals how Resolve Pay's approach works.

Recourse vs. Non-Recourse Explained

Traditional invoice factoring typically operates on a recourse basis, meaning sellers remain liable if buyers fail to pay. The factoring company advances funds but can demand repayment from the seller when invoices go unpaid. This structure transfers cash flow timing but not credit risk.

Resolve Pay's non-recourse financing model works differently. When Resolve Pay approves a buyer and advances funds against an invoice, Resolve Pay assumes the default risk on that approved transaction for covered buyer defaults. If the approved buyer fails to pay on covered transactions, the seller keeps the advance without repayment obligation.

Key differences include:

• Risk allocation: Non-recourse places default risk on the financing provider for approved invoices; recourse retains risk with the seller
• Accounting treatment: The accounting treatment of invoice advances depends on the specific transaction structure and applicable accounting standards, so businesses should confirm treatment with their accounting professionals
• Buyer qualification: Non-recourse providers conduct thorough credit evaluation since they bear the risk on covered transactions
• Pricing structure: Non-recourse typically includes credit protection value in its pricing

Speed of Funding

Cash advance timing separates Resolve Pay from alternatives:

• Resolve Pay: Can advance up to 90% of eligible approved invoice value, with advance payments generally received within 1-2 business days
• Melio: Focuses on payment processing rather than invoice advances or financing

The speed advantage compounds when considering traditional net terms collection. With Resolve Pay, eligible sellers can receive advance payment on approved invoices before the buyer's original payment terms expire.

Beyond Credit Lines: Resolve Pay's AI Credit Engine for Dynamic Buyer Approvals

Traditional B2B credit management requires manual processes that slow sales cycles and limit growth. Gathering trade references, pulling credit reports, analyzing financial statements, and making approval decisions can take weeks for each new customer. Resolve Pay's AI credit engine transforms this process through automated intelligence.

Instant Approvals and Dynamic Limits

Resolve Pay's proprietary AI evaluates thousands of buyer data points to deliver credit decisions in 10-30 seconds at checkout. The system analyzes:

• Cash flow trends and payment history patterns
• Business performance indicators and growth signals
• Behavioral data across transactions
• Industry risk factors and market conditions

Rather than static credit limits set once and rarely reviewed, Resolve Pay provides dynamic credit lines that adjust based on payment behavior. Buyers who pay consistently can access increased limits automatically, while the system flags accounts showing risk indicators.

Quiet Credit Checks

Resolve Pay conducts credit evaluations without notifying buyers or impacting their credit scores. This soft-pull approach enables sellers to:

• Evaluate buyer creditworthiness before extending terms
• Make informed decisions without creating customer friction
• Assess risk on new accounts quickly and confidentially
• Avoid the awkward process of requesting financial statements from prospects

The free business credit check capability requires only a company name and address, with results delivered within 24 hours.

How Melio Approaches Credit

Melio's AP focus means credit decisions remain the seller's responsibility using external tools and manual processes. Businesses extending net terms to customers implement separate credit management solutions alongside Melio for payment processing.

Accounts Payable Software for Small Business: Finding Your Fit

While Resolve Pay focuses on helping sellers collect from customers, understanding Melio's AP strengths helps businesses evaluate where each platform fits their operations.

Melio's Payment Processing Strengths

Melio has built capabilities specifically for accounts payable workflows:

• Vendor payment flexibility: Pay suppliers via ACH, credit card, or check even if vendors only accept certain methods
• Accessible entry options: Melio offers plans designed for small businesses managing routine vendor payments
• No vendor enrollment: Recipients receive payments without creating Melio accounts, reducing friction
• Accounting sync: Native integration with QuickBooks and Xero maintains accurate records

Xero completed its acquisition of Melio on October 15, 2025. Melio continues to center on SMB bill payment and accounts payable workflows, which remain distinct from Resolve Pay's seller-focused net terms financing and accounts receivable capabilities.

When Melio Makes Sense

Melio serves businesses well in specific scenarios:

• AP-only needs: Companies focused solely on paying vendors, not collecting from customers
• Straightforward AP needs: Small businesses seeking a streamlined way to manage routine vendor payments
• Xero users: Organizations wanting embedded bill pay within their accounting platform
• Simple workflows: Teams without complex approval chains or multi-entity requirements

Mitigating Risk: Trade Credit Insurance Alternatives with Resolve Pay

Extending credit to business customers creates default exposure that can impact cash flow and profitability. Traditional trade credit insurance provides protection but involves separate policies, premium payments, claims processes, and coverage limitations. Resolve Pay's non-recourse model offers an alternative approach integrated directly into the payment workflow.

How Non-Recourse Transfers Risk

When Resolve Pay approves a buyer for net terms, the approval includes credit risk assumption for covered defaults. The seller receives an advance on the invoice value, and Resolve Pay bears the risk if that approved buyer fails to pay on covered transactions. This structure provides:

• Immediate protection: Risk transfers at time of sale, not after filing claims
• No separate policy: Coverage comes bundled with payment processing
• No claims process: Sellers keep advances without proving loss or negotiating settlements on covered defaults
• Per-transaction clarity: Each approved invoice carries defined risk transfer

Unlike trade credit insurance with deductibles, waiting periods, and coverage disputes, non-recourse financing provides straightforward protection integrated into normal business operations.

Automated Collections as Risk Buffer

Beyond non-recourse protection, Resolve Pay's agentic collections reduce the likelihood of default through proactive engagement:

• Early intervention: Automated reminders begin before payment due dates
• Multi-channel persistence: Email, SMS, and voice AI ensure messages reach buyers
• Escalation protocols: System intensifies outreach for aging invoices
• Relationship preservation: Professional communication maintains customer goodwill

The combination of non-recourse protection and automated collections creates layered risk management.

Cost-Benefit Analysis vs. Traditional Insurance

Trade credit insurance can involve separate premiums, policy administration, claims documentation, and coverage conditions. Resolve Pay's integrated approach combines financing advances and credit risk protection for eligible approved invoices.

ERP and Ecommerce Integrations: Seamlessly Connecting Your Systems with Resolve Pay

Modern B2B commerce requires payment solutions that work within existing technology ecosystems rather than forcing platform consolidation. Resolve Pay's integration capabilities connect with major accounting, ERP, and ecommerce systems to maintain data consistency across operations.

Two-Way Data Synchronization

Resolve Pay establishes bi-directional connections with business systems:

Accounting and ERP platforms:

• QuickBooks Online
• Oracle NetSuite
• Xero
• Sage Intacct

Ecommerce platforms:

• Shopify and Shopify Plus
• BigCommerce (2025 Innovative Integration Award winner)
• WooCommerce
• Magento 2

The two-way sync pulls customer data, invoice information, and transaction history while pushing back payment status, reconciliation data, and credit decisions. Finance teams avoid manual data entry and maintain accurate records across systems automatically.

Embedded Checkout Capabilities

Resolve Pay's native ecommerce integrations enable net terms at checkout for online B2B stores. Buyers can:

• Select net terms payment option during checkout
• Receive instant credit decisions without leaving the store
• Complete purchases with approved terms applied
• View invoice status and pay through branded portals

This embedded approach removes friction from B2B purchasing while sellers capture larger orders.

Custom Integration Options

For businesses with proprietary systems or unique requirements, Resolve Pay provides REST API access with webhooks and sandbox environments. Development teams can build custom integrations that match specific workflow needs while maintaining the platform's core financing and automation capabilities.

White-Label Solutions: Maintaining Your Brand with Resolve Pay's Buyer Portal

B2B relationships depend on trust built over years of consistent interactions. Introducing third-party branding into payment experiences can disrupt these relationships and create confusion about where customers should direct questions or concerns.

Customizable Buyer Experience

Resolve Pay's white-label payment portal maintains seller branding throughout the buyer journey:

• Branded dashboards display invoices, credit lines, and payment history under the seller's identity
• Payment options including ACH, wire, card, and check appear within the seller's branded environment
• Self-service features let buyers manage payment plans and flag disputes without leaving the branded experience
• Mobile-responsive design provides consistent branding across devices

Buyers interact with what appears to be the seller's own payment system rather than a third-party platform. This maintains the direct relationship sellers have built while providing sophisticated payment infrastructure behind the scenes.

Scalability and Customer Success: The Resolve Pay Advantage for Growing B2B Businesses

Selecting a B2B payment platform involves evaluating long-term scalability alongside immediate feature needs. Platform stability, customer results, and market position indicate whether solutions will support growth.

Proven Growth Stories

Resolve Pay customers report measurable business improvements:

• SS&SI Dealer Network: Achieved 5x revenue growth through expanded net terms offerings

• ConEquip: 30% year-over-year growth in construction equipment sales

• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours

• Trenchless Supply: Reduced AR workload by 90% with accounts receivable automation

• Elston Materials: Improved margins from 25% to 30% through optimized credit management workflows

These outcomes demonstrate tangible business impact beyond platform functionality.

Awards and Recognition

Industry recognition validates Resolve Pay's market position:

• 2025 BigCommerce Innovative Integration Award for its B2B ecommerce integration
• Will Reed Top 100 Class of 2023 for workplace culture
• SOC 2 Type II attestation supporting independently assessed security and control practices

Backed by Industry Leaders

Resolve Pay's founding team brings experience from building B2B and consumer payment platforms at scale. The company emerged as a spinout from Affirm, the consumer BNPL pioneer, with leadership from Affirm, PayPal, and Amazon. This expertise in credit decisioning, risk management, and payment processing informed Resolve Pay's B2B-specific platform design.

With $85 million in funding and 15,000+ active businesses, Resolve Pay demonstrates market validation and resources for continued platform development.

Why Resolve Pay Provides a Broader B2B Seller Workflow

Resolve Pay brings together several functions that B2B sellers commonly need when offering payment terms to customers:

Resolve Pay Capabilities

• Net terms financing that gives eligible sellers earlier access to cash while approved buyers retain extended payment terms
• Non-recourse protection on eligible approved invoice advances
• AR automation for invoicing, reminders, reconciliation, and collections
• Ecommerce integration that can bring net terms directly into supported B2B checkout experiences
• AI-supported credit decisioning with rapid decisions for qualifying buyers
• White-label experiences that help sellers maintain their brand throughout the buyer payment journey
• Integrated workflows spanning credit, payments, accounts receivable, and collections

Melio serves a different part of the payment cycle, concentrating on accounts payable and vendor payments. Behalf previously operated in B2B financing but ceased operations in January 2023.

For manufacturers, distributors, wholesalers, and other established B2B sellers that want to offer payment terms while improving cash flow and streamlining receivables, Resolve Pay combines financing and AR operations in one coordinated platform.

Frequently Asked Questions

How does Resolve Pay's financing differ from traditional invoice factoring?

Traditional invoice factoring typically operates on a recourse basis, meaning sellers remain liable if buyers fail to pay the factoring company. Resolve Pay's non-recourse model transfers credit risk on eligible approved invoices to Resolve Pay for covered buyer defaults. When Resolve Pay approves a buyer and advances funds, the seller keeps that advance even if the approved buyer defaults on covered transactions.

Can Resolve Pay integrate with my existing accounting software and ecommerce platform?

Resolve Pay offers native integrations with major accounting platforms including QuickBooks Online, NetSuite, Xero, and Sage Intacct, plus ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. The integrations provide two-way data synchronization. For businesses with custom systems, REST API access with webhooks enables tailored integrations.

What types of businesses benefit most from Resolve Pay?

Resolve Pay serves mid-market B2B sellers including manufacturers, distributors, and wholesalers typically with $1M+ annual revenue. Industries include HVAC parts distribution, electrical supplies, plumbing supplies, industrial fasteners, safety equipment, building materials, medical devices, pharmaceutical distribution, and foodservice equipment. These businesses benefit from offering competitive net terms while maintaining healthy cash flow.

How quickly can Resolve Pay approve credit for new customers?

Resolve Pay's AI credit engine delivers credit decisions in 10-30 seconds at checkout for instant approvals. For more complex evaluations, the system provides decisions within 24 hours. This speed compares to traditional manual underwriting that can take weeks involving trade reference calls, credit report analysis, and financial statement review.

How can Resolve Pay support businesses moving from another net terms provider?

Resolve Pay combines buyer credit decisioning, non-recourse advances on eligible approved invoices, accounts receivable automation, collections, payment workflows, and integrations with supported ecommerce and accounting systems. Businesses moving from another net terms provider can use these capabilities to centralize more of the credit-to-cash process while maintaining a branded buyer experience.

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.