Resolve Pay vs Melio vs Gaviti

Selecting the right B2B payment and receivables solution depends on how a business manages cash flow, credit, and collections. Melio focuses primarily on bill payment and AP workflows, Gaviti specializes in AR automation and collections, while Resolve Pay provides an integrated solution combining net terms financing, non-recourse protection, and AI-powered AR automation.

These platforms address different needs. Melio supports payment workflows, Gaviti helps automate receivables management, and Resolve Pay connects financing, credit management, and AR operations. For manufacturers, distributors, and wholesalers offering payment terms, Resolve Pay provides a unified approach to accelerating cash flow and managing receivables.

Key Takeaways

• Resolve Pay combines net terms financing, credit risk protection, and AI-powered AR automation, while Melio primarily focuses on AP and payment workflows and Gaviti focuses on AR management and automation
• Resolve Pay provides non-recourse financing with advance rates determined during onboarding, providing non-recourse protection for covered credit risk on eligible approved invoices and advancing funds usually within one business day
• Resolve Pay uses AI-driven credit decisioning, with buyer applications potentially approved instantly or within one business day depending on the application
• Resolve Pay maintains a 5.0/5 rating on G2 (17 reviews) and 5.0/5 on Capterra (14 reviews), representing high user satisfaction scores
• More than 15,000 businesses actively use Resolve Pay's platform, with customers reporting outcomes like 5x revenue growth, 30% year-over-year growth, and tripled revenue
• Resolve Pay integrates with ecommerce, ERP, and accounting platforms including BigCommerce, Magento 2, WooCommerce, QuickBooks, Xero, and NetSuite. Shopify merchants can use custom integration flows rather than a native Resolve Pay checkout flow
• Resolve Pay onboarding typically takes a few days to a few weeks depending on the seller's stack and integration requirements

Understanding B2B Payment Solutions: Beyond Basic Transactions

The B2B payments landscape encompasses distinct categories serving different operational models. Federal Reserve payments research tracks substantial volumes of noncash payments made by U.S. consumers and businesses, reflecting the continued importance of digital payment methods across the economy. Understanding these fundamental differences helps finance leaders select tools aligned with their cash flow requirements.

Accounts Payable Platforms

Platforms like Melio primarily serve businesses managing outgoing vendor payments. These systems help companies pay vendors through ACH, wire, or card payments, while also providing invoicing and payment-receipt capabilities. The value proposition centers on simplifying payment workflows and managing vendor relationships.

AR Automation Platforms

AR automation platforms like Gaviti help sellers manage collections, cash application, credit monitoring, and dispute workflows. These systems automate payment reminders, track aging invoices, and streamline collections processes. While valuable for reducing manual AR work, these platforms focus on receivables management.

Integrated Net Terms Financing Platforms

Resolve Pay represents an integrated approach for B2B sellers. Rather than focusing solely on collections or payment processing, Resolve Pay advances funds on eligible approved invoices while handling credit assessment, AR management, and collections. This model transforms net terms from a cash flow challenge into a sales enabler.

The key distinction is the operating model: AP platforms primarily manage outgoing payments, AR automation platforms manage receivables workflows, and Resolve Pay combines AR automation with buyer underwriting and eligible invoice advances.

Accounts Receivable Automation Software: A Deep Dive

Effective accounts receivable management requires more than basic invoicing. Modern AR automation encompasses credit assessment, invoice generation, payment reminders, collections, reconciliation, and reporting. The depth of automation directly impacts finance team efficiency and cash flow predictability.

The Benefits of Automated AR for B2B Sellers

AR automation reduces manual overhead significantly. According to U.S. Small Business Administration guidance, managing accounts receivable and available cash is an important part of maintaining healthy business finances. Key benefits include:

• Faster credit decisions: Moving from multi-day manual approvals to automated credit assessments
• Reduced DSO: Automated reminders and collections sequences accelerate payment velocity
• Improved accuracy: ML-powered payment matching eliminates reconciliation errors
• Better visibility: Real-time dashboards showing DSO, aging, and portfolio health
• Customer preservation: Professional, automated collections maintain buyer relationships

Comparing AR Automation Capabilities

Resolve Pay's AR automation platform includes:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning
• Two-way ERP sync with automatic payment reconciliation
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
• Real-time AR dashboard for visibility

Gaviti provides AR automation capabilities including collections workflows, cash application, credit management, dispute resolution, and multi-entity support. The platform focuses on receivables management and collections optimization.

Melio primarily focuses on accounts payable, bill payment, vendor management, and related payment workflows. It also provides invoicing and payment-receipt tools.

Boost Payment Solutions for Competitive Net Terms Offerings

Offering competitive net terms has become essential for B2B sellers competing in markets where buyer financing is increasingly expected. However, extending credit traditionally creates two challenges: tied-up working capital and bad debt risk.

How Financing Solutions Support Sales

Net terms financing addresses both challenges. Resolve Pay's approach works as follows:

1. Buyer applies for credit: At checkout or through the payment portal
2. AI credit assessment: Resolve Pay evaluates the buyer's creditworthiness using multiple data points
3. Credit decision: Approval may be instant or take up to one business day, depending on the buyer
4. Cash advance: Resolve Pay advances the applicable portion of an eligible approved invoice, usually within one business day
5. Buyer pays on terms: Net 30, 60, or 90 days as agreed
6. Resolve handles collections: Automated reminders and agentic collections manage the payment process

Mitigating Risk with Non-Recourse Options

The key differentiator is non-recourse protection. When Resolve Pay approves an eligible buyer and advances an invoice, its non-recourse structure protects the seller from covered buyer credit risk. Disputes related to merchandise, fulfillment, fraud, or merchant error are handled separately.

This model differs from traditional factoring, which is often recourse-based, or AR automation alone, where sellers bear all credit risk.

AI-Powered Credit and Collections Management Software

Modern B2B payments require intelligent systems that can assess buyer creditworthiness and manage collections without damaging customer relationships.

Revolutionizing Credit Decisions with AI

Resolve Pay's AI Credit Engine evaluates buyer data points including:

• Cash flow trends and payment history
• Behavioral signals and purchasing patterns
• Business credit reports and financial health indicators
• Industry-specific risk factors

This comprehensive analysis enables credit decisions for buyers. The system also provides:

• Quiet credit checks: Buyers are not notified, with no credit score impact
• Dynamic credit lines: Limits adjust based on payment history
• Real-time monitoring: Continuous risk assessment throughout the relationship

Gaviti offers credit monitoring capabilities through integrations with credit bureaus. The platform monitors existing customers and provides credit intelligence.

Automating Collections with Intelligence

Resolve Pay's agentic collections system automates key collections workflows:

• Multi-channel sequences: Email, SMS, and voice AI outbound calls
• Intelligent escalation: Based on buyer response and payment history
• Configurable thresholds: Day 1 email, Day 7 SMS, Day 14 call, Day 21 escalate
• Automatic pausing: When payment or dispute received
• Interaction logging: All touchpoints recorded to invoice records

This automation supports consistent, professional follow-up while helping finance teams reduce manual collections work and improve DSO.

Gaviti provides collections automation with workflow customization and multi-channel outreach. The platform is designed for collections optimization with configurable sequences and team coordination tools.

Resolve Pay: Integrated Net Terms and AR Solution

Resolve Pay's Approach to B2B Payments

Resolve Pay operates as an integrated B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving funds on eligible approved invoices and managing credit risk.

The platform addresses the credit-to-cash cycle:

• Net Terms Financing: Offer Net 15, 30, 60, or 90 terms to buyers
• Cash Advancement: Receive advances on eligible approved invoices, usually within one business day
• Credit Protection: Non-recourse protection for covered credit risk on eligible approved invoices
• AR Automation: AI-powered invoicing, reconciliation, reminders, and collections workflows
• Payment Portal: White-labeled buyer experience accepting ACH, wire, card, and check

Why Resolve Pay Fits B2B Sellers

Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries. The platform is particularly strong for:

• HVAC parts distributors
• Electrical and plumbing supplies
• Industrial equipment manufacturers
• Medical and pharmaceutical distributors
• Construction materials suppliers

Customer Results:

• SS&SI Dealer Network: Achieved 5x revenue growth
• ConEquip: 30% year-over-year growth in construction equipment sales
• Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours
• Elston Materials: Increased margins from 25% to 30%
• Trenchless Supply: Reduced AR workload significantly, credit approvals under 24 hours

Integration Ecosystem

Resolve Pay supports integrations across major commerce platforms:

E-commerce:

• Shopify through custom flows
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2
• WooCommerce

Accounting/ERP:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Supported ecommerce integrations can embed Resolve Pay's net terms experience into eligible checkout and commerce workflows. Shopify currently uses custom flows rather than a native Resolve Pay checkout integration.

Melio: Understanding the AP and Payment Focus

Melio's Primary Focus

Melio positions itself primarily as an accounts payable and bill payment platform serving small businesses and SMBs, while also offering invoicing and payment-receipt tools. The platform helps buyers pay vendors through various payment methods including ACH, wire, and credit card.

Key characteristics of Melio's approach:

• Primary use case: Focuses on accounts payable and vendor payments while also supporting invoicing and payment collection
• International support: Payments to many countries
• Accounting sync: QuickBooks Online, QuickBooks Desktop, Xero, FreshBooks

Melio offers several plans with different payment, automation, accounting-sync, approval, and user-management capabilities.

Melio's Role in the Comparison

Melio primarily focuses on accounts payable, bill payment, vendor management, and related payment workflows. It also provides invoicing and payment-receipt tools. Resolve Pay addresses a different set of seller-side needs by combining net terms, buyer underwriting, eligible invoice advances, AR automation, and collections.

The platform excels at:

• Simplifying vendor bill payment
• Converting card payments to ACH/check when vendors prefer alternative methods
• Managing 1099 contractor payments
• Centralizing accounts payable workflows

Melio also provides invoicing and tools for receiving payments. Resolve Pay differs by combining seller-side net terms financing, buyer credit assessment, AR automation, and collections workflows in one platform.

For B2B sellers looking to improve cash flow through net terms and advances, Resolve Pay and Melio serve different functions. Some businesses use both, with Resolve Pay for seller-side AR and financing and Melio for AP and vendor payments.

Gaviti: AR Automation and Collections Management

Gaviti's Role in AR Management

Gaviti operates as an AR automation platform focused on collections, cash application, credit monitoring, dispute management, and receivables workflows. The platform serves mid-market enterprises with complex AR requirements.

Gaviti's capabilities include:

• Collections automation: Workflow customization and multi-channel outreach
• Cash application: AI-powered payment matching
• Credit monitoring: Integration with credit bureaus covering many countries
• Dispute management: Dedicated module for tracking and resolving disputes
• Multi-entity support: Managing AR across multiple business units

The platform takes an ERP-agnostic approach, connecting with cloud, on-premise, proprietary, and custom systems. This flexibility makes Gaviti suitable for enterprises with legacy or specialized ERP environments.

Gaviti's Role in the Comparison

Gaviti focuses on AR management, including collections, cash application, credit management, dispute workflows, payment portals, and multi-entity support. Resolve Pay extends beyond AR automation by combining those seller-side workflows with buyer underwriting and non-recourse net terms financing for eligible approved invoices.

Gaviti uses custom pricing based on factors such as invoice volume, workflows, and organizational requirements, with unlimited users included in its current offering.

For businesses primarily focused on automating collections and receivables workflows, Gaviti provides robust AR capabilities. For sellers that want to combine AR automation with eligible invoice advances and non-recourse credit protection, Resolve Pay brings those functions together in one platform.

Integrated Platforms vs. Point Solutions for B2B Financial Operations

How Integrated Financial Operations Differ

Managing B2B payments through multiple point solutions can create operational complexity:

• Data silos: Information fragmented across systems
• Manual reconciliation: Matching payments to invoices across platforms
• Integration maintenance: Managing connections between tools
• Inconsistent workflows: Different processes for different functions

Resolve Pay's integrated platform combines credit decisioning, net terms financing, AR automation, and collections in a single solution. This consolidation delivers:

• Single source of truth: All AR data in one system
• Automated reconciliation: ML-powered payment matching
• Streamlined workflows: Credit-to-cash in unified sequences
• Reduced tool complexity: Fewer vendors to manage

How Integrated Financial Operations Differ

Point AR solutions focus on areas such as collections, cash application, credit management, and receivables workflows. Resolve Pay brings credit decisioning, net terms financing, AR automation, payments, and collections into one connected platform.

For B2B manufacturers, distributors, and wholesalers that want to accelerate eligible receivables while managing net terms and AR in the same system, Resolve Pay provides a unified approach.

Comparing Resolve Pay, Melio, and Gaviti: Feature Analysis

Core Capabilities

Net Terms Financing:

• Resolve Pay: Offers Net 15, 30, 60, 90 day terms with non-recourse protection for covered credit risk
• Melio: Does not provide comparable net terms financing
• Gaviti: Does not provide comparable net terms financing

Cash Advance:

• Resolve Pay: Advances applicable portion of eligible approved invoices, usually within one business day (advance rate varies; usually within one business day)
• Melio: Does not provide comparable invoice advance
• Gaviti: Does not provide comparable invoice advance

Credit Risk Protection:

• Resolve Pay: Yes, for covered credit risk on eligible approved invoices
• Melio: No comparable financing protection
• Gaviti: No comparable financing protection

AI Credit Decisioning:

• Resolve Pay: Instant to one business day depending on application
• Melio: No comparable seller underwriting workflow
• Gaviti: Credit management and monitoring capabilities

AR Automation:

• Resolve Pay: AI-powered invoicing, reconciliation, reminders, and collections workflows
• Melio: Limited AR features; primarily AP-focused with invoicing and payment-receipt tools
• Gaviti: Comprehensive collections, cash application, and receivables workflows

Collections Automation:

• Resolve Pay: Agentic AI with multi-channel sequences
• Melio: Not a primary focus
• Gaviti: Robust collections workflows and customization

Payment Portal:

• Resolve Pay: White-label portal with ACH, wire, card, check
• Melio: Payment processing capabilities
• Gaviti: Customer payment portal

E-commerce Integration:

• Resolve Pay: BigCommerce, Magento 2, WooCommerce; Shopify via custom flows
• Melio: No native Resolve Pay-style net terms integration
• Gaviti: No native Resolve Pay-style net terms integration

User Satisfaction

Resolve Pay:

• G2 Rating: 5.0/5 (17 reviews)
• Capterra Rating: 5.0/5 (14 reviews)
• Smaller review volume with perfect scores

Melio:

• G2 Rating: 4.4/5 (248 reviews)
• Capterra Rating: 4.2/5 (405 reviews)
• Large review volume

Gaviti:

• G2 Rating: 4.4/5 (190 reviews)
• Capterra Rating: 4.5/5 (91 reviews)
• Mid-size review volume

Resolve Pay's perfect ratings reflect strong user satisfaction, with customers highlighting ease of use, responsive support, and effective automation.

Implementation and Support

Implementation Time:

• Resolve Pay: A few days to a few weeks depending on stack
• Melio: Self-serve setup available
• Gaviti: Varies by configuration and integration requirements

Credit Decision Speed:

• Resolve Pay: Instant to one business day
• Melio: N/A
• Gaviti: Varies by credit workflow

Payment Advance Time:

• Resolve Pay: Usually within one business day
• Melio: N/A
• Gaviti: N/A

Support:

• Resolve Pay: Support included
• Melio: Support in paid plans
• Gaviti: Dedicated account manager

Resolve Pay's Key Differentiators

Why Resolve Pay Fits B2B Sellers

Resolve Pay is particularly relevant when:

• You need cash flow acceleration: Receive advances on eligible approved invoices usually within one business day instead of waiting for the buyer's payment term
• Credit risk concerns you: Non-recourse protection helps reduce exposure to covered buyer credit risk on eligible approved invoices
• You want to offer competitive terms: Enable Net 30/60/90 while receiving advances on eligible approved invoices
• E-commerce integration matters: Resolve Pay can embed net terms into supported ecommerce workflows, with custom integration options available for Shopify
• You want integrated AR automation: Credit, invoicing, collections, and reconciliation workflows in one platform

The Value of Integration for B2B Sellers

For manufacturers, distributors, and wholesalers that need to offer net terms while maintaining cash flow, Resolve Pay combines eligible invoice advances, non-recourse protection for covered credit risk, buyer underwriting, and AR automation in one platform.

Resolve Pay's customer results demonstrate impact across industries:

• Businesses achieving significant revenue growth after implementing net terms
• AR workload reductions
• Credit approval times dropping substantially
• Margin improvements

The platform's 15,000+ active businesses and strong user satisfaction ratings validate its effectiveness for B2B sellers seeking to transform their payment operations.

Frequently Asked Questions

What is the primary difference between Resolve Pay and Melio?

Resolve Pay and Melio emphasize different parts of B2B financial operations. Resolve Pay helps sellers offer net terms, accelerate eligible receivables, manage buyer credit, and automate AR workflows. Melio primarily focuses on bill payment and AP while also providing invoicing and payment-receipt tools. Some businesses use both platforms, with Resolve Pay for seller-side AR and financing and Melio for AP and vendor payments.

Does Resolve Pay provide credit risk protection?

Yes. Resolve Pay provides non-recourse protection for covered credit risk on eligible approved invoices. Disputes involving merchandise, fulfillment, fraud, or merchant error follow a separate resolution process. Gaviti provides AR automation and collections but does not provide comparable financing or non-recourse credit protection.

How quickly can I receive advances with Resolve Pay?

Resolve Pay advances an applicable portion of eligible approved invoices, with funds usually received within one business day. Advance rates are determined during onboarding based on underwriting. The AI credit engine can provide an instant decision or take up to one business day, depending on the buyer application.

Can Resolve Pay integrate with my e-commerce platform?

Yes. Resolve Pay directly supports BigCommerce, Magento 2, and WooCommerce and provides custom integration options for Shopify merchants. Supported ecommerce flows can let buyers apply for net terms during the purchase process. Resolve Pay also won the 2025 BigCommerce Innovative Integration Award for its BigCommerce integration.

What ERP and accounting systems does Resolve Pay support?

Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform provides two-way sync for invoice and payment data, automated reconciliation, and real-time AR visibility. Resolve Pay onboarding typically takes a few days to a few weeks depending on the seller's stack, with offline configurations generally faster than full ERP integrations.

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.