Resolve Pay vs Melio vs Billie

Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles waiting 30 to 90 days for customer payments. While Melio primarily emphasizes accounts payable while also offering accounts receivable and invoicing tools and Billie focuses on European B2B payments, Resolve Pay delivers comprehensive net terms financing combined with AR automation for North American B2B sellers. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the platform that matches their cash flow objectives, geographic market, and operational requirements.

Key Takeaways

• Resolve Pay combines AR automation, net terms financing, and non-recourse credit protection in a single solution for North American B2B sellers, while Melio centers primarily on business payments and accounts payable workflows and Billie focuses on European B2B payments
• Resolve Pay can advance up to 90% of approved invoice value within 24 hours, helping convert extended payment cycles into faster access to working capital, while Melio's financing options are structured around buyer-side payment flexibility and Billie focuses primarily on European B2B payments
• Resolve Pay is trusted by over 15,000 businesses and supports B2B sellers seeking faster cash flow, net terms management, and AR automation
• Resolve Pay provides ecommerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce for embedded B2B net terms workflows, while Melio's core platform emphasizes AP, AR, accounting integrations, and embedded payment partnerships
• AI-powered credit decisions through Resolve Pay deliver rapid approvals, enabling sellers to close deals faster without manual underwriting delays
• Resolve Pay's non-recourse advances provide protection against buyer credit risk on approved invoices, subject to Resolve Pay's approval and program terms
• Resolve Pay's agentic collections capability automates multi-channel follow-up sequences with email, SMS, and voice AI, reducing manual AR workload significantly

Understanding the B2B Payments Landscape: Three Distinct Approaches

The B2B payments market encompasses fundamentally different solution categories, each addressing specific business workflows. According to Federal Reserve research on working capital management, effective payment timing and receivables management remain critical factors in small and mid-sized business success. Revenue leaders evaluating these platforms must recognize that Resolve Pay, Melio, and Billie serve distinct operational needs rather than competing directly for the same use cases.

Seller-Side AR Automation with Financing

Resolve Pay helps manufacturers, distributors, and wholesalers offer net payment terms while improving cash access. Its integrated platform combines:

• Credit decisioning
• Invoice advancement
• Accounts receivable automation
• Collections management

This reduces the need for separate factoring companies, credit bureaus, and AR software vendors.

Eligible sellers can receive advances of up to 90% on approved invoices within 24 hours instead of waiting through the full customer payment term. The non-recourse structure helps protect sellers from buyer credit risk on approved invoices while allowing them to offer competitive payment terms.

Buyer-Side AP and Business Payment Automation

Melio primarily supports business payment operations, including accounts payable, vendor payments, invoicing, incoming payments, accounting synchronization, approval workflows, and eligible Pay Over Time transactions. The platform provides ACH transfers, check payments, credit card processing, and wire transfers for managing outgoing payments, alongside invoicing and accounts receivable functionality.

The fundamental distinction matters: while Melio helps businesses manage both outgoing vendor payments and incoming customer payments, Resolve Pay focuses specifically on seller-side receivables financing and automation. Many B2B operations face different challenges across payables and receivables workflows, making these platforms complementary rather than directly competitive in many scenarios.

European B2B Payments

Billie operates as a European B2B payments provider offering flexible payment terms across ecommerce, marketplaces, telesales, in-person sales, and other supported channels. The platform serves business buyers across multiple European markets, with availability depending on the merchant's integration and payment-provider setup.

The geographic focus defines Billie's market fit. For U.S. and Canadian B2B sellers, Billie represents an option primarily for transactions involving European buyers, while Resolve Pay concentrates on North American domestic transactions.

Resolve Pay: Comprehensive AR Automation and Net Terms Financing

Platform Overview

Resolve Pay emerged as a spinout from Affirm, bringing B2B payments experience from former Affirm, PayPal, and Amazon executives into one integrated platform.

Its core offering helps sellers:

• Offer Net 30, 60, or 90 payment terms
• Access working capital faster
• Evaluate buyer credit
• Process invoices and collect payments
• Reconcile transactions through one system

Resolve Pay also integrates with major ERP and accounting platforms, reducing the need to manage these functions across separate vendors.

Key Capabilities

AI-Powered Credit Engine

The proprietary credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive quickly for lower-risk applications, enabling same-day order fulfillment on credit rather than waiting days or weeks for manual underwriting.

The quiet credit check approach means buyers receive no notifications and experience no credit score impact during evaluation. This friction-free process replaces manual trade reference calls and spreadsheet-based credit tracking that consume hours of staff time per application.

Non-Recourse Invoice Advancement

For approved invoices, Resolve Pay can advance a substantial portion of the invoice value and provide non-recourse protection subject to the applicable approval and program terms. The non-recourse structure applies to eligible approved advances subject to Resolve Pay's applicable underwriting, verification, and program terms.

The working capital impact can be significant over time. Faster access to cash that would otherwise remain tied up in receivables enables sellers to reinvest capital in inventory, equipment, marketing, or growth initiatives rather than financing customer payment cycles.

Comprehensive AR Automation

The accounts receivable automation platform handles invoice generation, payment reminders, reconciliation, and collections through AI-powered workflows. Customers report significant reductions in manual AR work after implementation, freeing finance teams to focus on strategic activities rather than chasing payments.

Automated payment matching uses machine learning to reconcile invoice-to-cash automatically, eliminating the tedious process of matching bank deposits to outstanding invoices. Real-time dashboards display DSO metrics, aging reports, and portfolio health at a glance.

Multi-Channel Collections

The agentic collections capability automates follow-up sequences across email, SMS, and voice AI. Intelligent escalation adjusts outreach based on buyer response patterns and payment history. The system pauses automatically when payment or dispute is received, then logs all interactions to the invoice record.

This automation helps maintain professional, consistent communication throughout the collection cycle. The multi-channel approach reaches buyers through their preferred contact method while maintaining a unified conversation history.

Integration Ecosystem

Resolve Pay provides ecommerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce for embedded B2B net terms workflows. These connections enable B2B buyers to apply for and receive credit decisions at checkout, creating a seamless purchasing experience.

Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and NetSuite, helping synchronize relevant receivables and payment data with existing financial workflows. This connection helps reduce double-entry and keeps financial records current.

Proven Results

Resolve Pay's customer outcomes demonstrate the platform's impact on B2B operations:

• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
• ConEquip achieved 30% year-over-year growth through expanded net terms offerings
• SS&SI Dealer Network experienced 5x revenue growth after implementation
• Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
• Elston Materials increased margins from 25% to 30%, a 5-point improvement

Melio: AP And Business Payment Automation

Platform Focus

Melio built its platform to help businesses manage vendor payments efficiently while also providing invoicing and accounts receivable functionality. The interface emphasizes simplicity, earning consistent praise for ease of use among small business users managing day-to-day bill payments and customer invoicing.

The platform supports ACH transfers, physical check mailing, credit card payments, wire transfers, and Pay Over Time options for vendor payments. Multi-user approval workflows route bills through designated approvers before payment processing, providing oversight for businesses with multiple team members involved in purchasing decisions.

For incoming payments, Melio provides invoice creation, payment links, card and bank payment acceptance, payment tracking, reconciliation, and accounting synchronization.

Key Considerations

Melio serves specific business payment workflows that differ from Resolve Pay's seller-side AR and financing model:

• Buyer-side financing structure: Melio offers Pay Over Time options that can let eligible businesses repay purchases over time while vendors receive payment upfront, rather than Resolve Pay's seller-focused invoice advancement model
• Different ecommerce focus: Melio offers embedded-payment partnerships, including relationships with major platforms, while Resolve Pay specifically supports ecommerce integrations designed to embed B2B net terms and credit workflows
• AP-primary design: While Melio provides both AP and AR functionality, its operating model differs from Resolve Pay's integrated combination of net terms financing, credit decisioning, AR automation, and collections

For businesses whose primary challenge involves paying vendors efficiently, Melio addresses that workflow through its AP and business-payment tools. Melio also provides invoicing, online payment acceptance, payment tracking, and reconciliation alongside its AP functionality, while Resolve Pay adds seller-focused credit decisioning, invoice advancement, and collections automation.

Billie: European B2B Payments

Market Position

Billie serves business buyers across multiple European markets through integrated B2B payment workflows. The platform serves business buyers across multiple European markets, with country availability varying by integration channel.

The platform integrates with major payment processors, enabling merchants to add B2B payment terms to existing checkout flows. Real-time credit decisions at checkout allow business buyers to select payment options during the purchase process.

Geographic Scope

The most significant distinction for North American businesses involves Billie's European market focus. The platform serves European B2B transactions, making Resolve Pay more directly relevant for sellers focused primarily on North American markets.

For businesses with significant European sales, Billie addresses that specific geography through its payment infrastructure and integrations.

How The Platforms Differ By Workflow

Accounts Receivable Capabilities

Resolve Pay provides comprehensive AR automation addressing the complete invoice-to-cash cycle, including:

• Automated invoice generation with accounting system integration
• AI-powered multi-channel payment reminders and collections
• Machine learning-powered payment reconciliation
• Real-time DSO reporting and portfolio dashboards

Melio offers invoice creation, branded payment requests, payment tracking tools, incoming-payment reconciliation, and accounting sync as part of its broader business payment platform.

Billie focuses on B2B payment terms, merchant payout, credit and fraud risk management, and post-purchase payment workflows rather than functioning as a full seller-side AR automation suite like Resolve Pay.

Net Terms and Financing

Resolve Pay provides seller-focused net terms with invoice advancement, offering:

• Flexible seller-side net terms (Net 30/60/90)
• Invoice advances on approved transactions
• Non-recourse protection under applicable program terms
• AI-powered credit decisioning

Melio offers buyer-side Pay Over Time, including Net 30 and installment options, where eligible businesses can repay purchases over time while vendors receive payment upfront.

Billie provides Pay Later terms from 30 to 120 days in supported European markets as part of its B2B payment infrastructure.

Integration Coverage

Resolve Pay offers native ecommerce platform integrations:

• Shopify, BigCommerce, Magento 2, WooCommerce for B2B checkout net terms
• QuickBooks Online, Xero, Sage Intacct, NetSuite for financial system connectivity
• Two-way data flow for invoice and payment information

Melio provides:

• QuickBooks Online and Desktop sync
• Xero accounting integration
• NetSuite sync available on applicable plans
• Embedded payment partnerships with various platforms

Billie integrates through:

• Major payment processors for European merchants
• Various ecommerce and sales channel connections
• Platform-specific integration requirements

Geographic Coverage

Resolve Pay focuses on North American B2B sellers, serving U.S. and Canadian domestic transactions with comprehensive credit-to-cash automation.

Melio supports domestic U.S. operations with extensive vendor payment capabilities and international payment options for outgoing transactions.

Billie serves multiple European markets, with specific country availability depending on the merchant's integration channel and payment provider setup.

The Working Capital Advantage: Why Financing Matters

Cash Flow Impact Analysis

The fundamental difference between Resolve Pay and business payment platforms becomes clear when examining working capital implications. Consider a B2B seller processing $100,000 in monthly invoices on Net 30 terms:

Without Seller-Side Financing:

• Cash received immediately: $0
• Cash received after customer payment term: Approximately $100,000 (subject to customer payment timing)
• Working capital locked in receivables at any given time: Can range from $100,000 to $200,000 or more depending on payment cycles
• Credit risk: Retained by seller on customer accounts

With Resolve Pay Non-Recourse Financing:

• Cash received after approval: A substantial portion of eligible invoice value may be advanced before the buyer's payment due date
• Working capital impact: Faster access to cash that would otherwise remain tied up in receivables
• Credit risk protection: Non-recourse advances help reduce seller exposure to buyer non-payment on approved invoices
• Operational benefit: Capital available for inventory, payroll, growth without waiting through full payment cycles

Research from the Small Business Administration on cash flow management indicates that day sales outstanding directly impacts business operations and growth capacity. Reducing the time between sale and cash receipt can transform working capital availability for B2B operations.

Comparing to Traditional Alternatives

Businesses historically addressed working capital needs through various financing options:

• Bank lines of credit: Require personal guarantees, collateral, lengthy approval processes, and annual renewals
• Invoice factoring: Factoring arrangements may be structured with recourse or non-recourse terms, with underwriting, collections responsibilities, and advance structures varying by provider
• Business credit cards: Higher interest rates and strict limits

Resolve Pay's non-recourse advance structure is designed to provide faster access to cash on approved invoices while Resolve Pay manages associated credit and collections workflows.

Implementation and Integration Considerations

Resolve Pay Implementation

Most teams launch within one week with Resolve Pay, following a streamlined onboarding process:

1. Account setup and configuration
2. ERP/accounting system connection
3. Ecommerce platform integration (if applicable)
4. Credit policy configuration
5. Team training and workflow optimization

Native integrations with major platforms help minimize technical complexity. Data synchronization helps ensure information flows between systems without extensive manual intervention. Dedicated implementation support helps teams optimize configurations for their specific workflows.

Melio Implementation

Self-serve onboarding makes Melio accessible for business payment automation:

1. Account creation and verification
2. Bank account connection
3. QuickBooks or Xero sync (optional)
4. Vendor and customer setup

The streamlined model suits businesses with straightforward payment workflows.

Billie Implementation

European merchants typically access Billie through existing payment processor relationships:

1. Activate Billie through supported payment processor
2. Configure checkout integration
3. Set transaction parameters according to business requirements

The processor-dependent model connects through existing merchant infrastructure.

Customer Experience and Support

Resolve Pay Support Model

Resolve Pay provides dedicated support including:

• Implementation assistance during onboarding
• Ongoing account management
• Timely response for inquiries
• Expert AR and collections team handling buyer communications
• Partner success managers for agency and integration partners

Customer reviews consistently highlight responsive support as a platform strength, with dedicated teams available to address issues promptly.

Melio Support

Melio provides support options that vary by account configuration and service level, helping businesses manage their payment operations and address questions as they arise.

Billie Support

European business hours support through merchant agreements or payment processor relationships, with direct merchant support depending on the activation channel and agreement terms.

Why Resolve Pay Is Built For Seller-Side Credit To Cash

For North American B2B sellers focused on accounts receivable optimization and working capital management, Resolve Pay addresses a distinct set of operational challenges. The platform specifically targets the seller-side needs of manufacturers, distributors, wholesalers, and other B2B suppliers who extend payment terms to business buyers.

Resolve Pay's Integrated Approach

Resolve Pay brings together capabilities that are especially relevant to North American manufacturers, wholesalers, distributors, and other B2B suppliers:

• Net terms with invoice advancement on approved transactions, providing faster access to working capital
• Non-recourse financing protection under applicable program terms, helping reduce seller exposure to buyer credit risk
• AI-assisted credit decisioning that accelerates approval workflows and reduces manual underwriting time
• AR and collections automation that streamlines receivables management and follow-up communications
• B2B ecommerce system integrations connecting net terms to existing sales and accounting infrastructure
• A branded B2B payment experience for business buyers that integrates into the seller's existing customer relationships

Resolve Pay grew from a B2B payments concept developed by founders with roots at Affirm, bringing fintech experience to B2B commerce challenges. The platform is trusted by over 15,000 businesses and has documented customer outcomes across a range of B2B industries.

The Working Capital Transformation

For B2B sellers whose primary challenge involves cash flow optimization while offering competitive payment terms, Resolve Pay's combination of financing and automation addresses both sides of the equation. Rather than choosing between offering net terms, which can tie up working capital, or demanding immediate payment, sellers can extend flexible payment terms while accessing advances on approved invoices.

This approach helps B2B operations compete more effectively while maintaining healthier cash flow. The non-recourse structure provides additional protection by transferring applicable credit risk on approved invoices to Resolve Pay rather than leaving sellers fully exposed to buyer payment issues.

Industry Focus and Scalability

Resolve Pay serves established and growing B2B sellers, typically with $1M or more in annual B2B revenue across:

• HVAC parts distribution
• Electrical and plumbing supplies
• Industrial equipment and manufacturing
• Medical devices and healthcare supplies
• Construction materials
• Wholesale distribution across various categories

The platform can support growing businesses through expanding transaction volumes, buyer credit needs, and more sophisticated net terms management workflows as their receivables operations develop.

Frequently Asked Questions

What makes Resolve Pay different from business payment platforms like Melio?

Resolve Pay is differentiated by its seller-side combination of net terms financing, credit decisioning, AR automation, payments, and collections for B2B suppliers. While Melio primarily supports business payment operations including AP, vendor payments, invoicing, and incoming payments, Resolve Pay focuses specifically on helping sellers offer payment terms while accessing advances on approved invoices. The platforms address different aspects of B2B financial operations, with Resolve Pay concentrating on receivables optimization and Melio emphasizing payment processing and workflow management.

How does non-recourse financing protect B2B sellers?

Resolve Pay's non-recourse advance structure can materially reduce seller exposure to buyer non-payment on approved invoices while providing faster access to working capital. Traditional factoring arrangements may use either recourse or non-recourse structures depending on the provider and agreement. The non-recourse structure applies to eligible approved advances subject to Resolve Pay's applicable underwriting, verification, and program terms. Resolve Pay also manages payment reminders and collections as part of its integrated credit-to-cash workflow.

Can Resolve Pay integrate with my existing accounting system?

Yes, Resolve Pay provides integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite to connect receivables and payment workflows with existing financial systems. Invoice and payment data helps synchronize between platforms, reducing manual data entry. For ecommerce operations, Resolve Pay also integrates with Shopify, BigCommerce, Magento 2, and WooCommerce, enabling checkout-level net terms for B2B buyers. This integration ecosystem helps maintain accurate financial records across connected platforms.

What specific AR challenges does Resolve Pay address?

Resolve Pay addresses core AR challenges facing B2B sellers including slow payment cycles locking up working capital, credit risk exposure on customer accounts, time-consuming manual collections, and the difficulty of offering competitive payment terms without cash flow strain. The platform provides automation for invoice generation, payment reminders, reconciliation, and collections through AI-powered workflows. Combined with invoice advancement on approved transactions, this helps free finance teams to focus on strategic activities while improving cash flow timing.

Is Resolve Pay suitable for small businesses or primarily for larger enterprises?

Resolve Pay is designed primarily for established and growing B2B sellers, with eligibility generally starting around $1M in annual B2B revenue. Businesses that meet this profile can use Resolve Pay for credit decisioning, net terms financing, AR automation, and agentic collections within one integrated platform. The platform works well for mid-market manufacturers, distributors, wholesalers, and suppliers selling physical products to other businesses on net terms who need working capital optimization and receivables 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.