Resolve Pay vs Melio vs Kriya

Selecting the right B2B payment solution can determine whether your business thrives or struggles with cash flow constraints. According to the Federal Reserve's Small Business Credit Survey, cash flow management remains one of the top operational challenges for growing businesses. While Melio primarily focuses on accounts payable and vendor payments and also provides receivables tools and buyer-side financing options, and Kriya provides UK-focused invoice finance alongside embedded B2B PayLater capabilities, Resolve Pay delivers comprehensive net terms financing with full AR automation for US manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B sellers choose the platform that matches their operational needs, geographic focus, and growth objectives.

Key Takeaways

• Resolve Pay offers non-recourse advances on eligible approved invoices, allowing sellers to receive funds earlier while buyers pay according to their approved net terms
• Melio primarily focuses on accounts payable and vendor payments and also provides receivables tools and buyer-side financing options. Resolve Pay focuses on seller-side net terms financing, credit management, and broader AR automation
• Kriya provides UK-focused invoice finance and embedded PayLater capabilities, including support for international buyer transactions, while Resolve Pay focuses on net terms and AR workflows for North American B2B sellers
• Resolve Pay provides native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento for checkout-level net terms
• AI-powered AR automation through Resolve Pay reduces manual receivables work with automated invoice generation, payment reminders, reconciliation, and intelligent collections
• Resolve Pay serves 15,000+ businesses across North America with a 5.0/5 G2 rating, while customer results include 75% growth for Nandansons and 5x revenue increases for SS&SI
• Resolve Pay provides embedded B2B payment, credit, accounts receivable, and integration capabilities for growing manufacturers, distributors, and wholesalers

Understanding the B2B Payment Landscape: Three Distinct Categories

The B2B payment technology market encompasses three fundamentally different solution categories, each serving distinct operational models and business objectives. Research from PYMNTS indicates that payment terms flexibility has become increasingly critical for B2B commerce growth. Recognizing these differences prevents costly misalignment between platform capabilities and actual business requirements.

Seller-side net terms financing platforms like Resolve Pay enable manufacturers, distributors, and wholesalers to offer deferred payment terms to their business customers while receiving earlier access to cash. These platforms handle credit underwriting, advance invoice values, and automate the entire accounts receivable workflow. The value proposition centers on unlocking growth by reducing the cash flow impact of offering competitive payment terms.

Buyer-side accounts payable and payment tools like Melio help businesses manage vendor payments and related workflows. These platforms provide bill payment capabilities, vendor management, and payment method flexibility. Melio is primarily oriented around helping businesses manage vendor payments, while Resolve Pay centers on seller-side net terms, credit, and receivables workflows.

Invoice finance and embedded-credit providers like Kriya offer working capital and B2B PayLater products. Kriya's invoice finance offering is primarily UK-focused, while its embedded product supports broader international buyer use cases.

This categorical distinction matters because choosing a platform from the wrong category wastes implementation effort and delays solving the actual business problem. A US distributor evaluating these platforms should distinguish Melio's payment-management focus, Kriya's UK-focused invoice finance and embedded PayLater products, and Resolve Pay's North American seller-side net terms model.

How These Platforms Approach B2B Payments Differently

Resolve Pay: Seller-Side AR Automation with Non-Recourse Financing

Resolve Pay operates as a comprehensive B2B payments platform purpose-built for US manufacturers, distributors, and wholesalers who need to offer payment terms while maintaining healthy cash flow. The platform combines net terms financing, AI-powered credit decisioning, and complete accounts receivable automation into a single integrated solution.

Resolve Pay's invoice advances are non-recourse for eligible approved transactions, helping sellers reduce exposure to buyer non-payment while Resolve manages underwriting, payment servicing, and collections according to the applicable terms. This protection enables sellers to extend competitive payment terms to new and existing customers.

Key capabilities include:

• Funding speed that accelerates cash conversion, with sellers offering Net 30, 60, or 90 terms receiving advances earlier on approved invoices
• AI credit engine that evaluates buyer creditworthiness using multiple data points including cash flow trends, payment history, and behavioral signals
• Native e-commerce integrations enabling "Pay with Net Terms" directly at checkout on Shopify, BigCommerce, WooCommerce, and Magento storefronts
• Buyers receive credit decisions during the purchase flow, removing friction that might otherwise cause cart abandonment
• Agentic collections that automate follow-up through multi-channel sequences spanning email, SMS, and AI-powered voice calls
• Intelligent escalation based on buyer response patterns and payment history while preserving customer relationships

Melio: Accounts Payable and Payment Management

Melio provides accounts payable and payment-management capabilities for businesses managing vendor payments. The platform provides bill payment automation, vendor management, and payment method flexibility.

Key characteristics:

• Primary focus on managing outgoing vendor bills alongside invoicing and receivables tools
• Target users include small business owners and bookkeepers managing business payments
• Payment options including ACH, credit card, check, and wire payments
• Buyer-side financing options are available, while Resolve Pay provides seller-side advances against approved invoices
• Accounting synchronization with QuickBooks, Xero, and NetSuite

Accounts payable remains a core part of Melio's offering, alongside invoicing, payment links, receivables tools, and buyer-side financing options. Resolve Pay addresses a different set of requirements for sellers that want to combine customer net terms, invoice advances, credit management, collections, and broader AR automation in one workflow.

Kriya: Invoice Finance and Embedded PayLater

Kriya, formerly MarketFinance, provides UK-focused invoice finance alongside embedded B2B PayLater and other working-capital products. Its embedded offering also supports international buyer use cases.

Notable characteristics include:

• Invoice finance is primarily UK-focused, while embedded PayLater supports broader cross-border buyer use cases
• Bank backing through acquisition by Allica Bank in October 2025, with the combined businesses targeting £1 billion in working-capital finance over three years
• Invoice finance with advance rates and funding timelines that vary by product
• Currency support for export financing across multiple countries
• The company says it has processed more than £4 billion in SME finance since launching in 2011

Kriya's product availability varies by geography and product. Businesses should confirm eligibility for the specific invoice finance or embedded PayLater product they are evaluating.

Feature Comparison: Where Each Platform Excels

Net Terms and Financing Capabilities

Resolve Pay:

• Seller-side net terms with Net 15/30/60/90 options
• Non-recourse advances for eligible approved invoices
• Advance rates that support strong cash flow
• Funding timelines of 1-2 business days
• Full US market availability

Melio:

• Buyer payment financing options available
• Focuses on payment management rather than seller-side invoice advances

Kriya:

• Embedded B2B PayLater capabilities
• Invoice finance primarily UK-focused
• Product-dependent advance rates and terms

Accounts Receivable Automation

Resolve Pay:

• Automated invoice generation with ERP sync
• AI-powered payment reminder sequences
• Multi-channel agentic collections automation
• ML-powered payment reconciliation
• White-labeled customer payment portal

Melio:

• Invoicing and receivables tools available
• Payment links and customer payment tools
• Accounting synchronization capabilities

Kriya:

• Product-dependent AR features
• Invoice tracking for finance products

Credit Management

Resolve Pay:

• AI-powered credit decisioning with rapid turnaround
• Dynamic credit line management based on payment history
• Real-time risk assessment using multiple data sources
• Automated trade reference processes

Melio:

• Buyer-side payment financing with associated credit features
• Credit features oriented toward helping businesses manage outgoing payments

Kriya:

• Credit assessment for invoice finance products
• Underwriting for embedded PayLater offerings

Integration Ecosystem

Resolve Pay connects with:

• E-commerce: Shopify, BigCommerce, WooCommerce, Magento with checkout-level net terms
• Accounting/ERP: Documented ERP integrations with QuickBooks Online and NetSuite, alongside additional integration options
• Payment Processing: ACH, wire, credit card acceptance, check payments
• API: REST API with webhooks for custom workflows

Melio provides:

• QuickBooks, Xero, NetSuite integration capabilities
• Partner and embedded-payment capabilities
• Integration capabilities available for supported use cases

Kriya offers:

• Integration capabilities for supported products
• Accounting software connections for invoice finance
• Embedded PayLater integration options

Real Results: Customer Outcomes with Resolve Pay

Documented customer results demonstrate the business impact of Resolve Pay's approach to net terms financing and AR automation.

Revenue Growth:

• Nandansons achieved 75% growth through their Resolve Pay partnership
• SS&SI dealer network experienced 5x revenue increase
• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours

Operational Efficiency:

• Trenchless Supply reduced AR workload significantly with credit approvals completing in under 24 hours
• ConEquip achieved 30% year-over-year growth with streamlined payment operations
• Elston Materials increased margins from 25% to 30% through improved cash flow management

Cash Flow Impact:

• RentAll Construction reported quicker receivables directly contributing to healthier cash flow management
• Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently

These outcomes reflect Resolve Pay's ability to unlock growth that traditional payment approaches constrain. Sellers gain the commercial advantages of offering competitive terms without the working capital burden.

Comparing the Platforms by Business Need

Resolve Pay's Core Use Cases

Resolve Pay is designed for businesses that need:

• Seller-side net terms financing to offer Net 30/60/90 to business customers while receiving payment earlier
• Non-recourse advances that reduce seller exposure to buyer non-payment on eligible approved invoices
• Complete AR automation including invoicing, reminders, collections, and reconciliation
• US market focus with North American credit data and banking relationships
• E-commerce integration for checkout-level net terms on major platforms
• Integrated payment and receivables workflows designed for growing B2B businesses

Melio's Core Use Cases

Melio is designed for businesses that need:

• Vendor bill payment and accounts payable management
• Payment method flexibility when paying vendors
• Accounting sync for AP and payment workflows
• A primary focus on accounts payable, vendor payments, and related business payment workflows
• Streamlined vendor bill payment workflows

Kriya's Core Use Cases

Kriya is designed for businesses that need:

• UK-focused invoice finance or Kriya's embedded PayLater capabilities
• Working capital solutions within UK and European markets
• Bank-backed stability within the Allica Bank ecosystem
• Multi-currency support for export financing in supported geographies

Total Value Analysis

According to the U.S. Small Business Administration, working capital management directly impacts business growth potential and operational stability. When evaluating B2B payment platforms, total value can include:

Cash Flow Acceleration:

• Faster access to working capital can support day-to-day operations and growth
• Converting longer-term receivables into earlier cash access
• Growth previously constrained by cash flow becomes more accessible

Risk Management:

• Non-recourse advances can reduce seller exposure to non-payment on eligible approved invoices
• Resolve Pay manages credit assessment, underwriting, and collections as part of the net terms workflow
• This approach enables extending terms to customers while managing associated risks

Operational Efficiency:

• AR automation reduces manual work with automated invoicing, reminders, and collections
• Time previously spent on credit checking and receivables management redirects to growth activities
• DSO improvement without adding headcount

Revenue Growth:

• Competitive payment terms help win deals in markets where terms flexibility matters
• Higher credit lines enable larger orders from qualified buyers
• Customer results demonstrate substantial revenue increases

For manufacturers, distributors, and wholesalers that specifically need seller-side net terms financing combined with AR automation, Resolve Pay brings these workflows together in one platform.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for B2B sellers who need comprehensive solutions for offering payment terms while maintaining healthy cash flow. For North American B2B sellers, Resolve Pay combines net terms financing, credit management, AR automation, and ecommerce integrations in a unified workflow.

The platform addresses the complete order-to-cash cycle from credit decisioning through payment reconciliation. Resolve Pay combines its non-recourse model, AI-powered credit engine, and comprehensive AR automation to help B2B sellers manage credit, cash flow, invoicing, payments, and collections in one platform.

What sets Resolve Pay apart for US B2B commerce:

• Non-recourse advances on eligible approved invoices reduce seller exposure to payment defaults
• Rapid credit decisions enable faster order approval and fulfillment
• Native e-commerce integrations bring net terms directly to checkout
• Complete AR automation handles invoicing, reminders, collections, and reconciliation
• White-labeled payment portal maintains brand consistency throughout the buyer experience

For sellers that want to offer business buyers flexible terms while improving cash flow and streamlining receivables, Resolve Pay provides an integrated platform used by 15,000+ businesses.

The three platforms address different workflows: Melio centers on business payments, Kriya provides invoice finance and embedded PayLater products, and Resolve Pay combines seller-side net terms financing with AR automation. Do you need payment-management tools, invoice finance or embedded PayLater capabilities, or seller-side net terms financing combined with AR automation?

Frequently Asked Questions

What is the primary difference between Resolve Pay and Melio?

Resolve Pay provides seller-side net terms financing and AR automation, enabling businesses to offer payment terms to customers while receiving advances earlier. Melio is primarily oriented around accounts payable and vendor payment management, with additional receivables tools and buyer-side financing options. The platforms serve different core workflows within B2B payment operations.

Can Kriya serve US-based businesses?

Kriya's availability depends on the product. Its invoice finance offering is primarily UK-focused, while its embedded PayLater capabilities support international buyer use cases. North American sellers should verify product eligibility when comparing it with Resolve Pay.

How does non-recourse financing protect sellers?

Resolve Pay provides non-recourse advances on eligible approved invoices. This helps sellers reduce their exposure to buyer non-payment while Resolve manages the associated credit and collections workflow. This differs from traditional factoring arrangements where sellers may retain certain liabilities.

Does Resolve Pay integrate with e-commerce platforms?

Yes. Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento, enabling "Pay with Net Terms" directly at checkout. Buyers receive credit decisions during the purchase flow. This checkout-level integration is purpose-built for B2B sellers with online storefronts.

What accounting and ERP systems does Resolve Pay support?

Resolve Pay provides documented ERP integrations with QuickBooks Online and NetSuite, alongside additional integration options through its API and supported connectors. Supported workflows can synchronize customer, invoice, payment, and reconciliation data depending on the connected system.

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.