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.
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.
Resolve Pay helps manufacturers, distributors, and wholesalers offer net payment terms while improving cash access. Its integrated platform combines:
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.
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.
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 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:
Resolve Pay also integrates with major ERP and accounting platforms, reducing the need to manage these functions across separate vendors.
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.
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.
Resolve Pay's customer outcomes demonstrate the platform's impact on B2B operations:
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.
Melio serves specific business payment workflows that differ from Resolve Pay's seller-side AR and financing model:
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 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.
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.
Resolve Pay provides comprehensive AR automation addressing the complete invoice-to-cash cycle, including:
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.
Resolve Pay provides seller-focused net terms with invoice advancement, offering:
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.
Resolve Pay offers native ecommerce platform integrations:
Melio provides:
Billie integrates through:
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 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:
With Resolve Pay Non-Recourse Financing:
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.
Businesses historically addressed working capital needs through various financing options:
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.
Most teams launch within one week with Resolve Pay, following a streamlined onboarding process:
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.
Self-serve onboarding makes Melio accessible for business payment automation:
The streamlined model suits businesses with straightforward payment workflows.
European merchants typically access Billie through existing payment processor relationships:
The processor-dependent model connects through existing merchant infrastructure.
Resolve Pay provides dedicated support including:
Customer reviews consistently highlight responsive support as a platform strength, with dedicated teams available to address issues promptly.
Melio provides support options that vary by account configuration and service level, helping businesses manage their payment operations and address questions as they arise.
European business hours support through merchant agreements or payment processor relationships, with direct merchant support depending on the activation channel and agreement terms.
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 brings together capabilities that are especially relevant to North American manufacturers, wholesalers, distributors, and other B2B suppliers:
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.
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.
Resolve Pay serves established and growing B2B sellers, typically with $1M or more in annual B2B revenue across:
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.
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.
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.
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.
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.
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.