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.
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.
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.
The platforms serve distinctly different business needs:
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.
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.
Resolve Pay transforms invoice processing through intelligent automation:
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.
Resolve Pay's agentic collections capability uses multi-channel automated sequences to recover payments while preserving customer relationships:
The collections approach maintains professional, friendly communication that protects long-term customer relationships while improving collection rates.
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 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.
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:
Cash advance timing separates Resolve Pay from alternatives:
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.
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.
Resolve Pay's proprietary AI evaluates thousands of buyer data points to deliver credit decisions in 10-30 seconds at checkout. The system analyzes:
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.
Resolve Pay conducts credit evaluations without notifying buyers or impacting their credit scores. This soft-pull approach enables sellers to:
The free business credit check capability requires only a company name and address, with results delivered within 24 hours.
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.
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 has built capabilities specifically for accounts payable workflows:
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.
Melio serves businesses well in specific scenarios:
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.
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:
Unlike trade credit insurance with deductibles, waiting periods, and coverage disputes, non-recourse financing provides straightforward protection integrated into normal business operations.
Beyond non-recourse protection, Resolve Pay's agentic collections reduce the likelihood of default through proactive engagement:
The combination of non-recourse protection and automated collections creates layered risk management.
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.
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.
Resolve Pay establishes bi-directional connections with business systems:
Accounting and ERP platforms:
Ecommerce platforms:
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.
Resolve Pay's native ecommerce integrations enable net terms at checkout for online B2B stores. Buyers can:
This embedded approach removes friction from B2B purchasing while sellers capture larger orders.
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.
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.
Resolve Pay's white-label payment portal maintains seller branding throughout the buyer journey:
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.
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.
Resolve Pay customers report measurable business improvements:
These outcomes demonstrate tangible business impact beyond platform functionality.
Industry recognition validates Resolve Pay's market position:
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.
Resolve Pay brings together several functions that B2B sellers commonly need when offering payment terms to customers:
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.
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.
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.
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.
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.
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.