Resolve Pay vs Melio vs Paystand: 2026 Comparison

Resolve Pay, Melio, and Paystand all sit inside the broad B2B payments category, but they support different parts of the transaction lifecycle. Resolve Pay is built for B2B suppliers that want to offer net terms, automate accounts receivable, and get paid faster on approved invoices. Melio focuses on accounts payable workflows for businesses paying their own vendor bills. Paystand supports AR and AP payment operations for companies that want ERP-connected bank payment workflows and digital payment infrastructure.

For B2B sellers, the main question is not simply which payments platform has the most features. It is whether the platform improves cash flow, supports buyer credit decisions, reduces manual AR work, and fits into the way buyers already purchase. Resolve Pay addresses these needs through B2B net terms, AI-driven credit decisions, invoice advance payments, collections workflows, and integrations with ecommerce, ERP, and accounting systems.

This comparison explains how Resolve Pay, Melio, and Paystand differ by use case, workflow, integrations, and business fit. It keeps the evaluation focused on the practical question finance and operations teams face: which platform aligns with the payment problem your business is actually trying to solve?

Key Takeaways

• Resolve Pay supports seller-side cash flow: Resolve Pay helps B2B suppliers offer net terms while accelerating payment on approved invoices and reducing AR friction.
• Melio supports vendor bill payment: Melio is designed for accounts payable teams that need to schedule, approve, and send payments to vendors.
• Paystand supports payment operations: Paystand helps mid-market finance teams manage digital payment workflows across AR and AP with ERP-connected automation.
• Net terms require more than invoicing: Suppliers offering payment terms need buyer credit decisions, collections workflows, reconciliation, and cash flow support, not just invoice delivery.
• Resolve Pay is built for B2B suppliers: Manufacturers, wholesalers, distributors, and B2B ecommerce sellers can use Resolve Pay to offer buyer-friendly terms without building an internal credit team.
• The right fit depends on transaction direction: Resolve Pay focuses on getting sellers paid, while Melio focuses on outgoing vendor payments and Paystand focuses on payment workflow automation.

Why B2B Teams Compare Resolve Pay, Melio, and Paystand

B2B payments cover several workflows that often get grouped together even though they serve different teams. A supplier waiting on customer invoices has a different problem than an AP manager scheduling vendor payments. An AR team processing large payment volumes also has different requirements from a sales team trying to offer net terms at checkout.

That is why Resolve Pay, Melio, and Paystand show up in the same searches but are not interchangeable.

The seller-side payment problem

B2B suppliers often sell to buyers that expect net 30, net 60, or longer payment terms. Those terms can help win larger orders and support buyer relationships, but they also create a cash flow gap between shipment and collection. The U.S. Small Business Administration highlights cash flow planning as a core part of financial management because businesses need visibility into money coming in and going out to stay sustainable through operating cycles.

Resolve Pay focuses on this seller-side problem. It helps merchants offer payment terms, run buyer credit decisions, automate invoicing and collections, and receive advance payment on approved invoices through a B2B payments platform.

The buyer-side AP problem

Melio focuses on the other side of the transaction. It helps businesses pay vendor bills using digital payment workflows, approval routing, and accounting software sync. Xero completed its acquisition of Melio on October 15, 2025, positioning Melio as part of Xero's broader small business accounting and bill pay strategy.

For businesses whose primary challenge is paying vendors on time, organizing bill approvals, or keeping AP records aligned with accounting software, Melio addresses that workflow.

The payment operations problem

Paystand supports digital payment operations across AR and AP. Its platform emphasizes bank payment workflows, ERP integrations, payment portals, and automation for teams processing B2B payments at scale. The Federal Reserve Payments Study notes that U.S. noncash payment trends continue to evolve across ACH, cards, checks, wires, and alternative payment methods, which is why many finance teams are modernizing payment acceptance and reconciliation.

Paystand is most relevant when a finance team is optimizing payment operations rather than looking for net terms financing.

1. Resolve Pay: Net Terms Financing and AR Automation

Resolve Pay is a B2B payments and net terms platform for suppliers that sell to other businesses. It helps merchants offer flexible payment terms while improving cash flow, reducing credit risk, and automating accounts receivable workflows.

Resolve Pay is built for manufacturers, wholesalers, distributors, and B2B ecommerce operators that want to give buyers more purchasing flexibility without turning their own finance team into a manual credit and collections department.

Core positioning

Resolve Pay combines:

• Buyer credit decisions
• Net terms workflows
• Invoice advance payments
• AR automation
• Payment reminders and collections
• Buyer payment portals
• ERP, accounting, and ecommerce integrations

This makes Resolve Pay especially useful for suppliers that want to offer net terms but do not want to manually underwrite buyers, chase payments, or wait through long collection cycles.

Resolve Pay also functions as a modern alternative to traditional factoring. Its factoring alternative approach is designed around buyer-friendly terms, supplier cash flow support, and a branded payment experience.

Key features

• AI-driven credit decisions: Resolve Pay uses automated credit workflows to help evaluate business buyers and support faster approvals.
• Net terms for buyers: Sellers can offer net 30, net 60, net 90, or custom terms depending on buyer eligibility and program setup.
• Invoice advance payments: Resolve Pay can advance payment on approved invoices so sellers do not have to wait through the buyer's full payment term.
• Non-recourse cash advances: Resolve Pay's context states that cash advances are non-recourse, so approved advances are yours to keep.
• AR automation: Resolve Pay supports invoicing, payment reminders, collections workflows, and reconciliation through its accounts receivable platform.
• Branded payment portal: Buyers can pay through a portal that supports ACH, wire, credit card, and check workflows.
• Ecommerce checkout support: Resolve Pay can embed net terms into ecommerce flows through net terms checkout.
• Accounting and ERP sync: Resolve Pay supports integrations with platforms such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce through its integration tools.

Best fit

Resolve Pay is best suited for B2B suppliers that:

• Sell to business buyers on invoice
• Want to offer net terms without waiting for the full payment period
• Need buyer credit decisions before extending terms
• Want to reduce manual AR work
• Operate through ecommerce, offline sales, field reps, or hybrid channels
• Need a payment and receivables workflow that fits into their existing financial stack

For suppliers that want a credit team on tap, Resolve Pay can centralize credit, invoicing, collections, and payment workflows in one platform.

2. Melio: Accounts Payable and Vendor Bill Management

Melio is an accounts payable and bill payment platform for businesses that need to manage outgoing vendor payments. It helps teams schedule bills, route approvals, send payments, and sync payment activity with accounting software. Melio is designed for companies that owe money to vendors, contractors, and suppliers. Instead of focusing on seller-side receivables, Melio helps AP teams manage the payment obligations they need to send out.

Its workflow typically supports:

• Vendor bill management
• Payment scheduling
• Approval workflows
• Accounting software sync
• Contractor and vendor documentation
• Multiple payment methods for outgoing bills

After Xero completed its acquisition of Melio in October 2025, Melio became more closely tied to Xero's accounting ecosystem while continuing to support bill pay use cases for small and mid-sized businesses.

Key features

• Vendor bill payments: Businesses can manage outgoing bills and vendor payment workflows.
• Approval routing: Finance teams can route bills for review before payment.
• Accounting sync: Melio supports accounting workflows with platforms such as QuickBooks and Xero.
• Payment scheduling: Teams can schedule payments based on cash flow timing and vendor due dates.
• Vendor documentation support: Melio includes workflows for vendor-related payment and tax documentation.

For a B2B supplier evaluating how to get paid faster from buyers, Resolve Pay addresses the seller-side cash flow and AR workflow more directly.

3. Paystand: Digital B2B Payment Operations

Paystand is a B2B payments platform that supports AR and AP automation, payment portals, bank payment workflows, and ERP-connected reconciliation. It is commonly positioned for mid-market and enterprise finance teams that process payment activity through systems such as NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, QuickBooks Online, and Acumatica. Paystand helps companies digitize payment acceptance and payment operations. Its platform is often used by finance teams that want to move away from manual payment collection, improve payment visibility, and connect payment activity to their ERP.

Paystand's own materials emphasize a subscription-based payment model, digital payment infrastructure, and automation for AR and AP workflows.

Key features

• Payment portals: Companies can provide buyers with digital payment options.
• AR automation: Paystand supports invoice delivery, payment collection, and reconciliation workflows.
• AP automation: Paystand also supports invoice intake, approval routing, and vendor payment workflows.
• ERP integrations: Paystand integrates with systems such as NetSuite, Sage Intacct, QuickBooks Online, and other ERP platforms.
• Blockchain-backed records: Paystand uses blockchain technology as part of its payment infrastructure and transaction recordkeeping.
• Bank payment workflows: Paystand emphasizes bank-based payment methods and automated payment operations.

For suppliers that specifically need net terms financing, buyer credit decisions, and invoice advance payments, Resolve Pay is the more directly aligned platform.

Resolve Pay vs Melio vs Paystand: Feature Comparison

How the Platforms Differ by Workflow

Resolve Pay focuses on credit-to-cash

Resolve Pay supports the workflow from buyer approval to invoice payment. This is useful when a seller wants to offer terms, protect cash flow, and reduce AR workload.

A typical Resolve Pay workflow looks like this:

1. A business buyer applies for or receives a credit decision.
2. The buyer places an order or receives an invoice with eligible terms.
3. Resolve Pay advances payment on approved invoices.
4. The buyer pays later through the agreed terms.
5. Resolve Pay supports reminders, collections, and reconciliation.

This makes Resolve Pay a strong fit for suppliers that view net terms as a growth lever but need infrastructure to manage the risk and operational burden.

Melio focuses on bill payment

Melio supports AP workflows where a business needs to pay its own vendors. The business reviews bills, schedules payment, and syncs activity with accounting software.

A typical Melio workflow looks like this:

1. A vendor bill is added to the AP workflow.
2. The bill is reviewed and approved.
3. Payment is scheduled.
4. The vendor receives payment.
5. The payment record syncs back to accounting software.

This is valuable for companies optimizing outgoing payments, but it solves a different problem from supplier-side net terms financing.

Paystand focuses on payment operations

Paystand supports payment acceptance, automation, and ERP-connected reconciliation across AR and AP.

A typical Paystand workflow looks like this:

1. A customer receives an invoice or payment request.
2. The customer pays through a digital payment workflow.
3. Payment data flows into the company's ERP.
4. Finance teams reconcile and report on payment activity.
5. AR and AP workflows are managed through connected systems.

This is useful for companies modernizing payment operations, especially where ERP connectivity is central to the finance stack.

Who Should Use Resolve Pay

Resolve Pay is built for B2B suppliers that want to grow sales by offering more flexible payment terms while improving cash flow visibility and AR efficiency.

Choose Resolve Pay when your buyers expect terms

Many B2B buyers prefer invoice-based purchasing because it helps them manage working capital, approvals, and internal payment cycles. Suppliers that cannot offer terms may create friction in the sales process.

Resolve Pay helps sellers offer terms through net terms management while supporting credit decisions, invoice workflows, and payment collection.

Choose Resolve Pay when AR work is slowing your team down

Manual receivables work can become a bottleneck as order volume grows. Finance teams may spend time checking buyer credit, sending invoices, following up on payments, reconciling activity, and updating systems.

Resolve Pay centralizes these workflows through AI-powered AR automation, buyer payment portals, and system integrations. This helps finance teams spend less time on repetitive receivables work and more time on strategic cash flow management.

Choose Resolve Pay when ecommerce buyers need embedded terms

B2B ecommerce buyers often want to purchase online but still pay on invoice terms. Resolve Pay can support embedded net terms at checkout, allowing eligible buyers to apply for terms while sellers keep a connected payment workflow.

For B2B ecommerce sellers, Resolve Pay's seller platform can help combine online ordering, credit decisions, payment terms, and receivables automation.

Choose Resolve Pay when buyer credit decisions matter

Offering terms without buyer credit infrastructure can expose suppliers to avoidable risk. Resolve Pay supports business credit checks and underwriting workflows that help sellers make more informed decisions before extending terms.

This matters most for manufacturers, wholesalers, distributors, and sellers with larger invoices or concentrated customer relationships.

Resolve Pay-Focused Final Verdict

For B2B suppliers, Resolve Pay is the most aligned choice in this comparison because it connects the pieces that matter most to sellers: buyer credit decisions, net terms, invoice advance payments, receivables automation, collections workflows, and integrations with ecommerce and accounting systems.

That combination makes Resolve Pay especially useful for merchants that want to grow B2B sales without turning flexible payment terms into a cash flow burden. Instead of managing credit, invoicing, collections, and reconciliation across disconnected tools, suppliers can use Resolve Pay as an embedded payments platform built around the full seller-side transaction lifecycle.

See how Resolve Pay works

Frequently Asked Questions

What is Resolve Pay used for?

Resolve Pay is used by B2B suppliers that want to offer net terms, automate accounts receivable, and get paid faster on approved invoices. It supports buyer credit decisions, invoice workflows, payment reminders, collections, payment portals, and integrations with ecommerce, ERP, and accounting systems.

Is Resolve Pay a traditional lender?

Resolve Pay is not positioned as a traditional business loan provider. It is a B2B net terms and payments platform that supports approved invoice advances while buyers pay on agreed terms. Resolve Pay's context states that cash advances are non-recourse, so approved advances are yours to keep.

What types of companies use Resolve Pay?

Resolve Pay is designed for manufacturers, wholesalers, distributors, B2B ecommerce sellers, and other merchants that sell to business buyers on invoice or payment terms. It is especially relevant for sellers that want to offer buyer flexibility while improving cash flow and reducing manual AR work.

What payment methods can buyers use with Resolve Pay?

Resolve Pay's branded buyer payment portal can support ACH, wire, credit card, and check workflows. This gives buyers multiple ways to pay while keeping payment activity connected to the seller's receivables process.

What systems does Resolve Pay integrate with?

Resolve Pay integrates with accounting, ERP, and ecommerce platforms including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, and flexible API-based implementations. These integrations help reduce manual data entry and support more accurate reconciliation.

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.