Sep 17, 2026
Selecting the right B2B payment platform determines how efficiently your business manages cash flow, extends credit to customers, and scales operations. While Melio centers on business payment workflows and Two provides B2B BNPL across multiple international markets, Resolve Pay delivers comprehensive net terms financing combined with AR automation for manufacturers, wholesalers, and distributors across North America. Understanding these fundamental differences between business payment tools, international BNPL providers, and integrated credit-to-cash platforms helps B2B sellers choose the solution that matches their revenue goals and operational requirements.
Key Takeaways
- Resolve Pay offers non-recourse net terms financing with approved invoice advances, while Melio centers on business payment workflows and Two operates an international B2B BNPL platform
- Resolve Pay maintains a perfect 5.0/5.0 G2 rating demonstrating exceptional customer satisfaction, compared to Melio's 4.4/5.0 rating
- The platform serves 15,000+ businesses across North America with comprehensive AR automation that reduces manual work by up to 90%
- Resolve Pay provides native ecommerce integrations with Shopify, BigCommerce, Magento, and WooCommerce, enabling net terms directly at checkout
- Deep accounting integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite provide seamless two-way data synchronization
- Agentic Collections capabilities automate multi-channel follow-up sequences across email, SMS, and voice AI while preserving customer relationships
- Enterprise-grade compliance with SOC 2 Type II certification supports deployments across regulated industries
Understanding B2B Payment Solutions: Three Distinct Approaches
The B2B payments landscape encompasses three fundamentally different categories, each serving distinct operational models and business objectives. Understanding these differences helps revenue and finance leaders select platforms aligned with their growth stage and execution requirements.
Accounts payable platforms primarily help businesses manage outgoing payments. Some, including Melio, also support invoicing and incoming-payment workflows, but they do not provide the same seller-side net terms financing, buyer underwriting, and non-recourse invoice advances available through Resolve Pay.
B2B BNPL providers like Two use automated credit decisioning to let business buyers purchase on terms while merchants receive upfront payment. Two operates across 19 markets, including European markets and the United States.
Integrated credit-to-cash platforms like Resolve Pay represent a comprehensive approach combining:
- Credit decisioning and buyer underwriting
- Net terms financing with non-recourse protection
- Accounts receivable automation and reconciliation
- Collections management with multi-channel communication
- Native ecommerce and ERP integrations
The fundamental distinction lies in platform focus: Melio centers on business payment workflows, Two provides international B2B BNPL infrastructure, and Resolve Pay combines seller-side net terms financing, credit decisioning, AR automation, and collections for North American B2B businesses.
The Evolution of B2B Credit and Collections
The spectrum of B2B payment solutions spans from basic bill payment tools to comprehensive platforms handling every aspect of trade credit. Federal Reserve Financial Services notes that growing digitization and emerging payment technology are creating opportunities for businesses to move toward more automated B2B payments.
Traditional approaches to receivables management often involve separate systems for credit checking, invoicing, payment processing, and collections. This fragmentation creates reconciliation challenges and delays cash flow visibility.
Modern B2B net terms platforms like Resolve Pay transform this model by offering non-recourse financing where the platform assumes credit risk on approved invoices. This shifts the burden of bad debt away from sellers while still providing rapid access to working capital.
The automation advantage compounds across multiple dimensions:
- Speed: Resolve Pay delivers credit decisions within 24 hours, enabling sellers to approve new customers rapidly
- Coverage: Operating across multiple channels means businesses can offer net terms through ecommerce, field sales, and direct orders
- Consistency: Automated credit underwriting maintains consistent standards across thousands of buyer evaluations
- Learning: AI-powered systems continuously optimize based on payment patterns, improving credit decisions over time
Resolve Pay: Comprehensive Net Terms and AR Automation for US B2B Sellers
How Resolve Pay Transforms Trade Credit
Resolve Pay operates as a B2B payments platform specifically designed for manufacturers, distributors, and wholesalers who need to offer Net 30/60/90 payment terms while protecting their cash flow. Rather than requiring sellers to wait 30-90 days for customer payments, the platform advances invoice value within one to two business days.
The non-recourse financing model distinguishes Resolve Pay from traditional factoring. When Resolve Pay approves a buyer for credit, the platform assumes the default risk on those invoices. If an approved customer fails to pay, Resolve Pay absorbs the loss rather than pursuing the seller for repayment. This risk transfer eliminates bad debt concerns while enabling aggressive growth through expanded payment terms.
The AI Credit Engine evaluates thousands of buyer data points including:
- Cash flow trends and financial health indicators
- Payment history across multiple vendors
- Industry-specific behavioral signals
- Real-time business data updates
Credit approvals typically arrive within 24 hours, with instant approvals available for smaller purchases. Dynamic credit lines adjust automatically based on payment history, rewarding reliable buyers with increased purchasing power.
Integrated AR Automation Platform
Beyond financing, Resolve Pay provides comprehensive accounts receivable automation that eliminates manual invoice management:
- Automated invoice generation synced directly from ERP and accounting systems
- Smart payment reconciliation using machine learning to match invoice-to-cash automatically
- Real-time AR dashboard showing DSO, aging, and portfolio health at a glance
- Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
- Two-way ERP integration for seamless data flow across systems
Customer results demonstrate the efficiency impact. Research published by CFO.com found that organizations with higher levels of electronic or automated invoicing reported substantially lower days sales outstanding than organizations with low levels of automation. Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours and extending higher credit lines to customers.
Agentic Collections for Relationship Preservation
Resolve Pay's Agentic Collections capability automates the follow-up process through multi-channel sequences spanning email, SMS, and voice AI outbound calls. The system uses intelligent escalation based on buyer response and payment history, with configurable day thresholds that adapt to each customer relationship.
Key collection automation features include:
- Multi-channel sequences progressing from email to SMS to AI-powered phone calls
- Intelligent pausing when payments or disputes are received
- Automatic logging of all interactions to invoice records
- Professional tone maintenance that preserves customer relationships
Resolve Pay's collections automation is designed to maintain professional, consistent buyer communication across email, SMS, and voice while keeping collections activity connected to the broader AR workflow.
Ecommerce and ERP Integrations
The platform provides native integrations with major ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. These integrations enable embedded net terms checkout where B2B buyers can apply for and use credit directly during the purchase process without leaving the seller's website.
Accounting and ERP integrations include:
- QuickBooks Online and QuickBooks Desktop
- Xero
- Sage Intacct
- Oracle NetSuite
The two-way sync capabilities pull order data while writing back payment information, creating a unified view of receivables across systems.
When Resolve Pay Fits Best
Resolve Pay serves mid-market and enterprise B2B sellers who need:
- Non-recourse net terms financing protecting against buyer default
- Comprehensive AR automation reducing manual invoice management
- Fast cash conversion with funding on approved invoices
- Ecommerce-embedded net terms for Shopify, BigCommerce, Magento, or WooCommerce
- Deep US accounting and ERP integrations for established workflows
- Enterprise compliance with SOC 2 Type II certification
Melio: Accounts Payable and Payment Workflows
Melio's Primary Focus
Melio's primary focus is business payment workflows, including vendor payments, invoicing, and incoming payments. Resolve Pay serves a broader seller-side credit-to-cash use case by combining buyer credit decisioning, net terms financing, AR automation, and collections.
The platform enables businesses to pay suppliers via ACH, credit card, or check, even when vendors only accept check payments. Melio offers multiple plans with feature availability varying by plan, including accounting integrations and payment workflow capabilities.
Key Melio characteristics include:
- Business payment management for both vendor payments and customer invoicing
- Multiple payment methods including ACH, credit card, and check options
- Accounting integration with QuickBooks Online, QuickBooks Desktop, Xero, and NetSuite
- Mobile app for managing payments on the go
- 1099 management for contractor payments
- AR and invoicing tools supporting invoice creation, payment links, incoming payments, and accounting synchronization
Melio's Platform Scope
Melio combines accounts payable workflows with invoicing and incoming-payment tools. Businesses can use the platform for vendor payments, invoice creation, payment links, and supported accounting synchronization.
Resolve Pay addresses a different and broader seller-side credit workflow by combining buyer underwriting, net terms financing, AR automation, reconciliation, and collections. This makes Resolve Pay particularly relevant to manufacturers, wholesalers, and distributors that want to extend payment terms while improving cash flow.
Two: International B2B BNPL Provider
Two's Market Position
Two operates as an international B2B buy now, pay later provider. The company states that it operates across 19 markets, has surpassed over €1 billion in processed B2B payment volume, and powers more than 100,000 businesses globally.
The platform's Delphi credit engine delivers credit decisions in under 2 seconds, enabling real-time approvals at checkout. This speed advantage suits high-volume ecommerce transactions where instant decisions drive conversion rates.
Two offers payment terms ranging from 7 to 120 days, with installment options extending to 3-24 months for larger purchases. The platform emphasizes fraud prevention through its Frida AI engine.
Two's Platform Scope
Two provides B2B BNPL and embedded trade credit across multiple international markets, including the United States. Its platform combines automated buyer decisioning, upfront merchant payment, fraud controls, and payment administration.
Resolve Pay is specifically positioned around North American B2B sellers that want net terms financing integrated with AR automation, credit management, collections, and established finance workflows.
Comparing Core Capabilities Across Platforms
Net Terms and Financing
The platforms diverge significantly in their approach to trade credit:
Resolve Pay provides comprehensive net terms financing with:
- Non-recourse protection eliminating seller default risk
- Invoice advances within 24 hours
- Net 15, 30, 60, and 90 day terms with custom options
- AI-powered credit decisions within 24 hours
- Dynamic credit lines that adjust based on payment history
Melio supports invoicing and accounts receivable payment workflows, including invoice creation, payment links, incoming payments, and supported accounting synchronization. Resolve Pay adds seller-side net terms financing, buyer credit decisioning, and integrated collections to its AR platform.
Two provides B2B BNPL with flexible payment terms, upfront merchant payments, and credit risk management across multiple international markets.
Accounts Receivable Automation
Resolve Pay delivers comprehensive AR automation including:
- Automated invoice generation from ERP systems
- ML-powered payment matching and reconciliation
- Real-time AR dashboards with DSO tracking
- Multi-channel agentic collections sequences
- Automated payment reminders and follow-up
Melio provides invoice creation, payment acceptance, and accounting synchronization as part of its business payment platform.
Two includes invoicing, dunning, and collections automation within its B2B BNPL framework.
Integration Ecosystem
Resolve Pay integrations span:
- Ecommerce: Shopify, BigCommerce, Magento 2, WooCommerce
- Accounting: QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, Oracle NetSuite
- REST API with webhooks for custom integrations
Melio integrations include:
- Accounting: QuickBooks Online, QuickBooks Desktop, Xero, NetSuite
- Tax: 1099 management capabilities
- Workflow: Zapier connectivity
Two integrations emphasize:
- Ecommerce: Shopify, WooCommerce, Magento, and various European platforms
- Developer API for custom implementations
Real-World Results: Resolve Pay Customer Success
The advantages of integrated net terms financing translate to measurable business outcomes across diverse B2B companies. Data from the U.S. Census Bureau on wholesale trade shows that working capital management directly impacts growth capacity for distributors and wholesalers. Customer results demonstrate the pipeline impact and efficiency gains that distinguish comprehensive platforms from point solutions.
Revenue Growth Impact
- SS&SI Dealer Network achieved 5x revenue growth through expanded net terms offerings
- ConEquip realized 30% year-over-year growth in construction equipment sales
- Archipelago Lighting tripled revenue while reducing credit approval time from 10 days to 24 hours
- Nandansons achieved 75% growth through partnership with Hammer Commerce agency
- Elston Materials increased margins from 25% to 30%, a 5-point improvement
Operational Efficiency Gains
- Trenchless Supply reduced AR workload by 90% with credit approvals in under 24 hours
- Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently
- RentAll Construction achieved quicker receivables directly contributing to healthier cash flow management
- TrueCable experienced response times under 24 hours on credit approvals
Cash Flow Transformation
The fundamental value proposition centers on converting 30-90 day receivables into immediate working capital. Rather than waiting for customer payments, sellers receive advances within one to two business days while Resolve Pay handles collections and assumes default risk on approved invoices.
This cash flow acceleration enables:
- Faster inventory turns through improved working capital availability
- Larger order acceptance without straining cash reserves
- Competitive positioning through extended payment terms
- Growth financing without traditional debt instruments
Why Resolve Pay Supports the Full Credit-to-Cash Workflow
Resolve Pay brings together the workflows B2B sellers commonly need when extending payment terms to customers:
- Non-recourse advances on eligible approved invoices
- AI-supported buyer credit decisioning
- Net 30, 60, and 90 payment term workflows
- Accounts receivable automation
- Automated reconciliation
- Agentic collections across email, SMS, and voice
- Ecommerce checkout integrations
- ERP and accounting connectivity
- Branded buyer payment experiences
For manufacturers, wholesalers, and distributors, the advantage is having credit management, financing, receivables automation, payments, and collections connected through one platform rather than operating these processes separately.
Resolve Pay for Manufacturers, Wholesalers, and Distributors
Resolve Pay is designed for B2B businesses that want to extend buyer payment flexibility without tying up working capital for the full invoice term. Approved invoices can receive upfront funding while buyers retain their agreed payment window.
The platform also connects those financing workflows with credit decisioning, AR management, reconciliation, ecommerce checkout, and collections. This integrated structure gives finance teams a consistent credit-to-cash workflow while keeping the customer payment experience under the seller's brand.
Migration from Traditional Systems
Businesses moving from traditional invoice financing may use Resolve Pay to connect funding with a broader credit-to-cash workflow:
- Non-recourse structure: Eligible approved advances help protect sellers from buyer default risk
- Connected digital workflows: Credit, invoicing, payments, and collections operate within one platform
- Technology integration: ERP, accounting, and ecommerce connections support existing finance workflows
- Branded customer experience: Payment and collections interactions can remain aligned with the seller's customer relationship
Implementation Timeline
Resolve Pay implementations typically complete within one week for most businesses. The platform provides:
- Native integrations with major ecommerce and accounting platforms
- REST API with webhooks for custom integrations
- Dedicated implementation support
- White-label deployment options for larger partners
Most teams launch within days rather than months, enabling rapid time-to-value on net terms programs.
Frequently Asked Questions
What business workflows does Resolve Pay combine?
Resolve Pay enables sellers to combine buyer credit decisioning, flexible net terms, approved invoice advances, accounts receivable automation, reconciliation, payments, and collections in one platform. This helps manufacturers, wholesalers, and distributors manage the complete credit-to-cash process while giving buyers more flexibility to pay.
What makes Resolve Pay's non-recourse financing different from traditional factoring?
Traditional factoring often involves recourse agreements where sellers remain liable if customers fail to pay. Resolve Pay's non-recourse model transfers that default risk entirely to the platform for approved invoices. Combined with integrated AR automation, modern digital workflows, and established ERP connections, the platform offers advantages over traditional factoring arrangements while preserving professional customer relationships.
Can Resolve Pay integrate with my existing accounting and ecommerce systems?
Yes, Resolve Pay provides native integrations with major platforms across both categories. For accounting, the platform syncs bidirectionally with QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, and Oracle NetSuite. For ecommerce, native integrations support Shopify, BigCommerce, Magento 2, and WooCommerce with embedded checkout capabilities. A REST API with webhooks enables custom integrations for businesses with proprietary systems.
How quickly can Resolve Pay approve credit for my customers?
Resolve Pay's AI Credit Engine delivers credit decisions within 24 hours for most applications, with instant approvals available for smaller purchases. The system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Dynamic credit lines adjust automatically based on payment patterns, rewarding reliable buyers with increased purchasing power over time.
What types of businesses use Resolve Pay?
Resolve Pay is designed primarily for B2B manufacturers, wholesalers, distributors, and other merchants that sell to business customers on invoice terms. The platform is especially relevant for companies that want to offer flexible payment terms while accelerating cash flow, automating receivables, and managing buyer credit through a 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.
