Selecting the right B2B payment and financing solution can determine whether your business thrives with predictable cash flow or struggles with unpaid invoices and credit risk. Melio provides accounts payable and accounts receivable payment workflows for businesses managing vendor bills and customer payments. FundThrough offers invoice factoring services for businesses seeking to accelerate receivables. Resolve Pay delivers a comprehensive platform combining non-recourse net terms financing, AI-powered accounts receivable automation, and intelligent collections management.
Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the solution that aligns with their cash flow needs, risk tolerance, and growth objectives. This comparison examines how each platform approaches B2B payments, financing, and accounts receivable workflows.
The B2B payment technology market encompasses distinct categories, each serving different operational models. Businesses can manage vendor payments while also creating invoices, receiving customer payments, and syncing transactions with supported accounting software.
Invoice factoring services like FundThrough allow businesses to convert outstanding invoices into immediate cash. These services focus on funding eligible invoices and collecting payment on those funded receivables.
Integrated net terms platforms like Resolve Pay represent a different approach. Rather than addressing a single transaction type, Resolve Pay combines non-recourse financing, AI-powered credit decisioning, automated invoicing, payment processing, and intelligent collections into a unified platform. The non-recourse model transfers credit risk to Resolve Pay on eligible approved invoices.
The fundamental distinction lies in operational scope and financing. Melio supports AP and AR payment workflows, FundThrough focuses on invoice factoring, and Resolve Pay combines net terms financing, credit decisioning, AR automation, payments, and collections in one platform.
The spectrum of B2B payment technology spans from basic payment facilitation to full accounts receivable autonomy.
Business payment platforms help automate payment scheduling and tracking. These tools streamline how businesses pay vendors and collect from customers but typically do not include buyer credit underwriting or financing capabilities.
Factoring services accelerate individual transactions. Businesses use these platforms primarily to receive early payment on eligible invoices. FundThrough manages payment collection activity associated with funded invoices, while Resolve Pay covers a broader credit-to-cash workflow that also includes buyer credit decisioning, invoicing, reconciliation, and automated collections.
Autonomous AR platforms like Resolve Pay operate on a different model:
The autonomy advantage compounds across multiple dimensions: credit decisions that previously took days now happen in under 24 hours, net terms available at checkout enable 24/7 purchasing, AI-powered workflows maintain consistency across thousands of transactions, and non-recourse protection reduces the seller's exposure to approved-buyer default on eligible financed invoices.
Resolve Pay operates as a comprehensive B2B payments platform focused on enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk. Rather than providing a single-purpose tool, Resolve Pay combines credit decisioning, financing, AR automation, and collections into one integrated solution.
Resolve Pay can provide risk-based advances on eligible invoices after buyer approval. Its current net terms product advertises up to 90% within 24 hours, while some eligible Resolve Pay programs may support advances of up to 100%. Sellers receive upfront cash while buyers pay on Net 30, 60, or 90 day terms. The non-recourse model means Resolve Pay assumes default risk on approved invoices for eligible transactions.
The AI Credit Engine evaluates buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. Businesses report reduced net terms approval time from 10 days to 24 hours while offering higher credit lines after implementing Resolve Pay.
The AR Automation Platform handles the complete invoice-to-cash cycle:
For collections, Resolve Pay's agentic collections capability delivers multi-channel automated sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response patterns, automatically pausing when payment or dispute is received.
The white-labeled buyer portal maintains seller branding throughout the payment journey, offering buyers a dashboard showing invoices, credit lines, and payment history with flexible payment options including ACH, wire, credit card, and check.
Melio provides accounts payable and accounts receivable payment workflows for businesses. Xero announced its agreement to acquire Melio in June 2025, and the acquisition was subsequently completed, bringing Melio's payments technology into Xero's broader accounting and payments ecosystem.
The platform supports both outgoing and incoming payment workflows:
Melio also provides accounts receivable tools for creating invoices, accepting payments, tracking payment status, and syncing transactions with supported accounting software.
FundThrough operates as an invoice factoring service, allowing businesses to convert outstanding invoices into immediate cash. The Toronto-based company has processed substantial invoice volume since founding in 2014.
The platform offers invoice funding and supports connections with several accounting and ERP systems, including QuickBooks Online, QuickBooks Desktop, Xero, Sage, and NetSuite. FundThrough's model allows businesses to factor invoices without long-term contracts or monthly minimums.
FundThrough's recourse structure means sellers retain repayment responsibility for qualifying unpaid invoices. If a funded invoice becomes significantly overdue, FundThrough may charge it back and establish a repayment arrangement with the seller.
With FundThrough, a significantly overdue funded invoice may eventually be charged back to the seller under its recourse structure. Resolve Pay's eligible non-recourse advances are structured differently because approved-buyer default risk is assumed by Resolve Pay.
The distinction between non-recourse and recourse financing represents a critical difference in this comparison.
Recourse financing (FundThrough's model) means the seller retains ultimate liability for customer non-payment. Traditional recourse factoring leaves the seller ultimately responsible for unpaid funded invoices. Sellers should account for the possibility that qualifying unpaid invoices may be charged back.
Non-recourse financing (Resolve Pay's model) transfers credit risk to the financing provider on eligible approved transactions:
Businesses using recourse factoring should account for the possibility that qualifying unpaid invoices may be charged back. Resolve Pay's non-recourse structure removes that repayment obligation for eligible approved-buyer defaults.
Integration capabilities determine how well a platform fits into existing operations.
Resolve Pay offers a comprehensive integration ecosystem:
E-commerce platforms (native):
Accounting and ERP systems:
Additional capabilities:
The native e-commerce integrations enable embedded net terms at checkout, allowing B2B buyers to select payment terms during purchase.
Melio's integrations focus on accounting synchronization with QuickBooks Online, QuickBooks Desktop, and Xero.
FundThrough supports several accounting and ERP connections, including QuickBooks Online, QuickBooks Desktop, Xero, Sage, and NetSuite. Resolve Pay's integration model is broader for B2B sellers that also need embedded net terms across ecommerce storefronts, accounting systems, and ERP workflows.
The practical impact of platform selection manifests in measurable business outcomes. Resolve Pay customers report consistent improvements across cash flow, efficiency, and growth metrics.
Resolve Pay currently maintains a 5.0/5 G2 rating based on 17 reviews, with reviewers frequently highlighting its invoicing workflows, payment collection, and customer support. Customers emphasize ease of use, implementation speed, positive cash flow impact, and responsive support with quick response times.
Melio, FundThrough, and Resolve Pay address different parts of business payments and cash flow. Resolve Pay brings buyer credit decisioning, net terms financing, accounts receivable automation, payment workflows, and collections into one seller-focused platform.
Resolve Pay serves mid-market B2B sellers who need to offer competitive net terms to business buyers without cash flow strain, reduce credit risk through non-recourse financing on eligible approved transactions, automate AR workflows including credit, invoicing, and collections, integrate net terms at e-commerce checkout, and reduce AR workload while improving DSO.
The platform combines all these capabilities in one solution, from instant credit decisions to automated collections, with white-label branding throughout the buyer experience.
Melio is primarily designed around business payment workflows, including vendor payments and customer receivables. The platform supports businesses that need to manage outgoing payments and related AP processes, as well as create invoices and receive customer payments. Resolve Pay addresses a broader seller-focused credit-to-cash workflow by combining AR automation with net terms financing and credit risk management.
FundThrough centers on funding eligible invoices and collecting payment on those funded receivables. The platform works for businesses seeking invoice factoring with recourse structure, meaning sellers remain responsible for qualifying unpaid funded invoices under FundThrough's factoring terms. FundThrough focuses on factoring and collection of funded invoices, while Resolve Pay combines financing with a broader set of credit, invoicing, reconciliation, and collections automation tools.
Enterprise deployments require robust security credentials and compliance certifications. Resolve Pay maintains SOC 2 Type II certification, demonstrating audited security controls for data handling, processing, and storage. The platform serves financial services and healthcare distribution customers requiring regulatory compliance. For businesses in regulated industries or with enterprise security requirements, security and compliance posture provides an important foundation.
Resolve Pay gives B2B manufacturers, distributors, and wholesalers a unified platform for the full credit-to-cash cycle, including:
Its non-recourse model on eligible approved invoices transfers credit risk away from sellers. AI-powered automation also reduces manual AR work and can shorten approval times from days to hours, helping businesses scale net terms without proportional increases in headcount or risk.
With native e-commerce and ERP integrations, Resolve Pay supports embedded net terms at checkout and two-way data synchronization. This integrated approach has helped B2B sellers improve revenue growth, DSO, and operational efficiency while maintaining high customer satisfaction.
Resolve Pay's non-recourse financing transfers credit risk to Resolve Pay on eligible approved invoices. If an approved buyer fails to pay their invoice, the seller keeps their advance with no repayment obligation. FundThrough operates on a recourse model where the seller retains ultimate liability. If a funded invoice becomes significantly overdue, FundThrough may charge it back and establish a repayment arrangement with the seller.
Yes, Resolve Pay offers native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform provides two-way sync for invoice and payment data, automated bookkeeping entries, and real-time reconciliation. For e-commerce, Resolve Pay integrates natively with Shopify, BigCommerce, WooCommerce, and Magento 2, enabling embedded net terms at checkout.
Yes. Melio offers accounts receivable tools that let businesses create and send invoices, share payment links, accept bank or card payments, track payments, and sync supported transactions with accounting software. Resolve Pay adds a different layer for B2B sellers by combining receivables automation with buyer credit decisioning, net terms financing, and non-recourse protection on eligible approved invoices.
Resolve Pay can provide risk-based advances on eligible invoices after buyer approval. Its current net terms product advertises up to 90% within 24 hours. The AI Credit Engine provides real-time credit decisions, often completing approvals in seconds rather than the days required by traditional credit checking processes, enabling faster access to working capital.
Resolve Pay serves mid-market B2B sellers, typically manufacturers, distributors, and wholesalers. The platform works particularly well for businesses in HVAC parts distribution, electrical and plumbing supplies, industrial equipment, medical and pharmaceutical distribution, and construction materials. Companies seeking to offer competitive net terms while protecting cash flow see substantial value from Resolve Pay's integrated approach.
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.