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.
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.
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 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.
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.
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.
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:
Resolve Pay's AR automation platform includes:
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.
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.
Net terms financing addresses both challenges. Resolve Pay's approach works as follows:
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.
Modern B2B payments require intelligent systems that can assess buyer creditworthiness and manage collections without damaging customer relationships.
Resolve Pay's AI Credit Engine evaluates buyer data points including:
This comprehensive analysis enables credit decisions for buyers. The system also provides:
Gaviti offers credit monitoring capabilities through integrations with credit bureaus. The platform monitors existing customers and provides credit intelligence.
Resolve Pay's agentic collections system automates key collections workflows:
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 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:
Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries. The platform is particularly strong for:
Customer Results:
Resolve Pay supports integrations across major commerce platforms:
E-commerce:
Accounting/ERP:
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 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:
Melio offers several plans with different payment, automation, accounting-sync, approval, and user-management capabilities.
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:
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 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:
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 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.
Managing B2B payments through multiple point solutions can create operational complexity:
Resolve Pay's integrated platform combines credit decisioning, net terms financing, AR automation, and collections in a single solution. This consolidation delivers:
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.
Net Terms Financing:
Cash Advance:
Credit Risk Protection:
AI Credit Decisioning:
AR Automation:
Collections Automation:
Payment Portal:
E-commerce Integration:
Resolve Pay:
Melio:
Gaviti:
Resolve Pay's perfect ratings reflect strong user satisfaction, with customers highlighting ease of use, responsive support, and effective automation.
Implementation Time:
Credit Decision Speed:
Payment Advance Time:
Support:
Resolve Pay is particularly relevant when:
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:
The platform's 15,000+ active businesses and strong user satisfaction ratings validate its effectiveness for B2B sellers seeking to transform their payment operations.
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.
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.
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.
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.
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.