Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles with receivables bottlenecks. While Melio focuses on accounts payable automation and receivables workflows for small businesses and Payability accelerates ecommerce seller payouts, Resolve Pay delivers comprehensive net terms financing with non-recourse protection, AI-supported credit decisions, and full accounts receivable automation.
Understanding these fundamental differences helps manufacturers, wholesalers, and distributors select the platform that matches their growth objectives and operational requirements. According to the Federal Reserve, B2B payment inefficiencies remain a significant drag on business cash flow, making the choice of payment infrastructure increasingly critical for competitive positioning.
The B2B payment technology market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps revenue leaders select tools aligned with their growth stage and cash flow requirements.
Accounts payable and receivables platforms like Melio serve as payment systems for small businesses. These platforms provide vendor payment capabilities, invoicing, payment collection, and accounting software synchronization. The value proposition centers on simplifying both outbound payments and selected receivables workflows for businesses with straightforward payment needs.
Ecommerce seller financing platforms like Payability represent a specialized category focused on online merchants. These services can accelerate access to ecommerce sales proceeds and provide growth funding across marketplaces and commerce platforms such as Amazon, Walmart, and Shopify. The model works well for sellers waiting on platform disbursements but operates differently from traditional B2B invoice-based businesses.
B2B net terms platforms like Resolve Pay represent a comprehensive approach to trade credit and receivables management. Rather than simply processing payments, Resolve Pay combines credit decisioning, net terms financing, AR automation, and collections in a single integrated solution. This approach enables suppliers to offer competitive payment terms without cash flow strain while reducing exposure to qualifying buyer-payment risk.
The fundamental distinction lies in business model alignment: Melio supports business bill payment as well as selected receivables workflows, Payability focuses on accelerating cash flow for ecommerce sellers, and Resolve Pay helps B2B suppliers grow sales through buyer financing while protecting cash flow.
The spectrum of risk allocation in B2B financing spans from full seller liability to qualified risk transfer, with profound implications for cash flow management and sales growth strategies.
Recourse financing requires sellers to buy back or refund advances if buyers fail to pay. Traditional factoring companies and most marketplace accelerators operate on variations of this model. When a buyer defaults, the seller faces exposure to both the original sale and any advances received. This risk exposure limits how aggressively businesses can extend credit to grow sales.
Non-recourse financing through Resolve Pay shifts qualifying buyer-payment risk away from the seller on eligible approved advances. When Resolve Pay approves a buyer and advances funds against an invoice, the seller keeps that advance on qualifying transactions regardless of whether the buyer ultimately pays. This risk transfer enables suppliers to confidently offer terms to new customers and larger orders while reducing the payment risk they would otherwise carry themselves.
The non-recourse advantage compounds across multiple business dimensions:
Melio does not offer invoice financing or net terms capability as part of its platform focus. Payability's funding model is tied to ecommerce sales performance and future platform receivables rather than individual invoice non-recourse protection.
Resolve Pay operates as a complete B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk exposure. Resolve Pay was spun out in 2018 as the B2B-focused version of Affirm, with a mission to bring modern credit, payments, and receivables workflows to B2B commerce.
The net terms financing capability allows sellers to offer Net 30, 60, or 90 day terms to approved buyers while receiving advances within 1-2 business days. Resolve Pay's non-recourse structure can protect sellers from qualifying buyer-payment defaults on eligible approved advances.
Resolve Pay combines AI, behavioral signals, financial data, and credit expertise to support buyer credit decisions. Qualifying buyers may receive instant decisions, while other credit assessments can generally be completed within 24 business hours. This can significantly reduce reliance on manual trade-reference calls and spreadsheet-based credit reviews.
The AR automation platform handles invoice generation, payment reminders, reconciliation, and collections automatically. Key capabilities include:
Agentic Collections uses multi-channel automated sequences across email, SMS, and voice AI for payment follow-up. Intelligent escalation adapts based on buyer response and payment history. The system pauses automatically when payments or disputes are received, logging all interactions to invoice records. This preserves customer relationships with professional, friendly communication.
The white-label B2B payment portal provides a branded buyer dashboard showing invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check. Buyers can self-serve payment plans and flag disputes through the secure, mobile-responsive interface.
Resolve Pay provides native integrations across accounting, ERP, and ecommerce platforms:
Resolve Pay integrations and APIs can synchronize relevant customer, invoice, transaction, and payment data with connected systems, with supported workflows varying by integration. The BigCommerce integration earned the 2025 Innovative Integration Award, recognizing best-in-class B2B ecommerce capability.
Resolve Pay is designed for businesses that:
Melio positions itself as a payment platform designed to simplify vendor bill payment and selected receivables workflows for small businesses. The platform was acquired by Xero in June 2025 at an estimated $2.5-3B valuation, signaling strong market position in the SMB segment.
The platform offers:
Melio offers multiple service tiers for businesses with different payment and workflow requirements.
Several characteristics define Melio's scope relative to B2B supplier needs:
Customer reviews on G2 highlight ease of use as a strength, with the platform earning 4.4/5 stars from 248 reviews. Melio provides payment workflows designed primarily for small businesses managing vendor payments and related finance tasks.
Payability operates as an ecommerce seller financing and payout-acceleration service supporting merchants across major marketplaces and commerce platforms. The platform advances funds against ecommerce sales and platform receivables rather than traditional invoices.
The Instant Access product provides daily advances based on the previous day's sales. Approval is based on sales history and account health rather than traditional credit checks, with typical turnaround for qualified sellers. Eligibility generally requires established selling history and consistent monthly sales volume.
The Instant Advance product offers lump-sum funding against future marketplace receivables for sellers needing larger capital infusions.
Several factors define Payability's ecommerce focus:
Resolve Pay provides:
Melio provides:
Payability provides:
Resolve Pay integrates with:
Melio integrates with:
Payability integrates with:
Resolve Pay supports ACH, wire transfer, credit card, and check payment methods through its buyer payment portal.
Melio supports ACH, wire transfer, credit card, and check payment methods for both payables and receivables workflows.
Payability operates on a different model focused on advancing funds to sellers rather than processing buyer payments.
Resolve Pay is designed for manufacturers, wholesalers, and distributors that:
Customers report around 35% average DSO reduction and up to 90% reduction in manual AR work through Resolve Pay's automation capabilities.
Melio is primarily structured around businesses that:
Payability is primarily structured around ecommerce businesses that:
The platform specifically addresses the disbursement cycles common across major ecommerce marketplaces.
Traditional B2B payment workflows require multiple disconnected tools: credit bureaus for buyer evaluation, financing companies for working capital, accounting software for invoicing, and collection agencies for past-due accounts. Each handoff creates data silos, manual reconciliation work, and potential errors.
Resolve Pay consolidates these functions into a single integrated platform:
This integration eliminates the manual work that typically consumes AR teams. Invoice data flows automatically from sales systems. Payment reminders trigger based on due dates. Collections escalate based on aging. Cash application happens without manual matching.
The result: teams that previously spent hours on receivables management can focus on strategic activities that drive growth.
B2B suppliers face a fundamental cash flow constraint: customers expect payment terms while suppliers need cash to operate. Offering Net 30 or Net 60 terms means waiting weeks or months for revenue while still paying for inventory, labor, and overhead.
This timing gap forces difficult choices:
Resolve Pay addresses this cycle by advancing funds within 1-2 business days. Sellers receive cash quickly while buyers enjoy the payment terms they need.
Resolve Pay's non-recourse structure can protect sellers from qualifying buyer-payment defaults on eligible approved advances. This helps suppliers extend trade credit while reducing the payment risk they would otherwise carry themselves.
Key cash flow benefits include:
Resolve Pay maintains a perfect 5.0/5 rating on G2 based on 17 reviews, with customers highlighting dedicated support, ease of use, and streamlined invoicing.
Melio holds a 4.4/5 rating on G2 from 248 reviews, with ease of use noted as a strength.
Payability has limited public review data available on major platforms.
B2B companies across industries have achieved measurable results with Resolve Pay:
These outcomes demonstrate how integrated net terms and AR automation translate to tangible business growth.
For B2B suppliers that need to offer payment terms, accelerate cash flow, and automate receivables management, Resolve Pay brings buyer credit decisioning, non-recourse invoice advances, AR automation, collections, and payment workflows into one integrated platform.
Melio and Payability address different workflows. Melio combines bill payment with selected receivables features such as invoicing and payment collection, but its model is not centered on supplier-funded net terms with buyer credit underwriting. Payability focuses on ecommerce seller financing and accelerated access to sales proceeds rather than traditional B2B buyer credit and invoice-based net terms. Resolve Pay is structured around those B2B credit-to-cash workflows.
When your business model depends on offering competitive payment terms to B2B customers while maintaining healthy cash flow, Resolve Pay provides the integrated solution combining credit decisioning, non-recourse financing, receivables automation, collections, and payment processing in a single platform designed for mid-market manufacturers, wholesalers, and distributors.
Traditional invoice factoring typically operates on a recourse basis, meaning if your customer fails to pay, you must buy back the invoice or return the advance. Resolve Pay's non-recourse model shifts qualifying buyer-payment risk away from the seller on eligible approved advances. When Resolve Pay approves a buyer and advances funds, the seller keeps that advance on qualifying transactions regardless of whether the buyer ultimately pays.
Resolve Pay combines AI, behavioral signals, financial data, and credit expertise to support buyer credit decisions. Qualifying buyers may receive instant decisions, while other credit assessments can generally be completed within 24 business hours. This significantly reduces the manual trade-reference calls and spreadsheet tracking that can take days or weeks while potential sales wait.
Yes, Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite. Resolve Pay integrations and APIs can synchronize relevant customer, invoice, transaction, and payment data with connected systems. This eliminates manual data entry and ensures your accounting records stay current without additional reconciliation work.
Resolve Pay serves mid-market B2B sellers with typically $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Common customers include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. The platform works best for businesses that sell to other businesses on invoice and want to offer payment terms competitively.
Yes, Resolve Pay includes Agentic Collections as part of the platform. This AI-powered system uses multi-channel automated sequences across email, SMS, and voice AI for payment follow-up. The system intelligently escalates based on buyer response and payment history, pausing automatically when payments or disputes are received. This preserves customer relationships with professional communication while reducing manual collection work.
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.