Selecting the right B2B payment platform determines how efficiently your business can offer net terms, manage credit risk, and streamline accounts receivable operations. While Mondu serves merchants across Europe and Kriya is a UK-based provider offering invoice finance and embedded PayLater, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation for North American B2B suppliers. Understanding these geographic and functional differences helps manufacturers, distributors, and wholesalers select the platform aligned with their market focus, risk tolerance, and operational requirements.
Each platform approaches B2B payments differently. Resolve Pay integrates credit decisioning, financing, payments, and accounts receivable automation into one system for US and Canadian suppliers. Mondu focuses on European checkout flexibility with buyer payment terms across 30+ countries. Kriya combines UK-based invoice finance with embedded payment solutions, supporting international buyer transactions across selected products.
The B2B payments landscape now includes integrated solutions that combine flexible net terms, invoice advances, credit management, and accounts receivable automation alongside traditional financing methods. Modern platforms now combine credit decisioning, payment processing, and accounts receivable automation into integrated solutions that address cash flow challenges without the operational burden of legacy approaches.
Three distinct models have emerged to serve different market needs:
Non-recourse net terms financing allows sellers to offer deferred payment options while receiving immediate cash advances. The financing provider assumes credit risk on approved transactions, protecting sellers from buyer defaults. This model works well for suppliers who want to extend competitive payment terms without exposure to bad debt.
B2B BNPL (Buy Now, Pay Later) platforms focus on checkout flexibility for merchants, enabling buyers to select invoice terms or installment plans at the point of purchase. These solutions prioritize the buyer experience and transaction conversion rather than comprehensive AR management.
Invoice financing helps businesses access working capital by providing funds against unpaid customer invoices, reducing the need to wait for customers to settle their payments. Traditional invoice finance typically operates on a recourse basis, meaning sellers remain responsible for collections and absorb losses if buyers fail to pay.
Each approach serves specific operational needs. Suppliers evaluating platforms should consider their geographic market, risk tolerance, and whether they need a payment processing tool or a complete AR automation solution.
Resolve Pay operates as a B2B payments platform built specifically for US and Canadian manufacturers, distributors, and wholesalers. The platform combines net terms financing, AI-powered credit decisioning, and comprehensive accounts receivable automation into a unified system.
The core value proposition centers on non-recourse financing. When Resolve Pay approves an eligible buyer for net terms, sellers can receive an advance on the approved invoice while the buyer retains the agreed payment period. For eligible approved invoices covered under the applicable agreement, if the approved buyer defaults, Resolve Pay absorbs the loss rather than requiring repayment from the seller. This risk transfer model enables suppliers to offer competitive Net 30, 60, or 90 payment terms without cash flow strain or credit exposure.
The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions under 24 hours. Instant approvals are available for purchases up to certain thresholds, and quiet credit checks protect buyer relationships by avoiding notification or credit score impact.
Beyond financing, Resolve Pay provides comprehensive accounts receivable automation that differentiates it from payment-focused competitors:
The agentic collections system uses multi-channel AI automation across email, SMS, and voice to manage payment follow-ups. Intelligent escalation adjusts outreach based on buyer response and payment history, pausing automatically when payments or disputes are received. This automation can substantially reduce manual AR work while preserving customer relationships through professional, consistent communication.
A white-labeled payment portal maintains seller brand identity throughout the buyer journey. Buyers access invoices, credit lines, and payment history through a branded dashboard supporting ACH, wire transfer, credit card, and check payments.
Resolve Pay customers report measurable improvements across revenue growth, margin expansion, and operational efficiency:
Resolve Pay serves mid-market B2B sellers in the US and Canada who need:
Mondu positions itself as a B2B BNPL platform designed for European merchants, operating across 30+ EU countries under a single EMI (Electronic Money Institution) license regulated by the Dutch central bank. The platform serves 300,000+ sellers and buyers with checkout-focused payment flexibility.
The platform offers several payment options for business buyers:
Mondu provides upfront merchant settlement and assumes default risk on eligible approved transactions. Real-time credit decisions enable instant approvals for eligible purchases, supporting omnichannel operations across online, offline, and telesales transactions.
The platform has secured strategic partnerships including a J.P. Morgan Payments Partner Network membership and recognition as Stripe's first official B2B BNPL partner in the UK. An Atradius partnership adds trade credit insurance expertise to the platform.
Buyer-side tools like MonduFlex and MonduCard provide working capital optimization features, positioning the platform as much around buyer experience as merchant operations.
Mondu's platform is centered on European B2B payments and flexible payment terms:
Mondu focuses on European B2B payments, providing flexible buyer payment options, regulated payment infrastructure, and support for commerce across European markets. These capabilities reflect a European payment model, while Resolve Pay is structured around the credit-to-cash needs of North American B2B suppliers.
Kriya is a UK-based digital credit and embedded finance provider that originally launched as MarketInvoice. The company reports having advanced billions in business credit since launch and is now part of Allica Bank.
In October 2025, Allica Bank acquired Kriya, giving the business access to Allica's deposit-funded balance sheet and supporting the expansion of its working-capital products.
The platform offers multiple invoice finance structures:
Kriya's invoice finance product can provide an advance against eligible approved invoices, with funding available quickly once the facility and invoice are approved. The platform integrates with BigCommerce, Magento, WooCommerce, PrestaShop, and nopCommerce for e-commerce operations, plus QuickBooks and Xero for accounting.
TrustPilot reviews show a 4.3/5 rating from 583 reviews, reflecting positive UK customer experiences with funding speed and process simplicity.
Kriya combines several working-capital and embedded-payment products:
Kriya is a UK-based provider combining invoice finance, embedded PayLater, and working-capital products. Its model spans seller financing and buyer payment terms, while Resolve Pay focuses on bringing net terms, credit decisioning, payments, AR automation, and collections together for North American B2B suppliers.
The most significant operational differences between these platforms emerge in accounts receivable automation and collections management.
Resolve Pay delivers comprehensive AR automation that eliminates manual receivables work:
Resolve Pay case studies document substantial reductions in manual AR workload, freeing finance teams to focus on higher-value activities rather than routine payment chasing.
Mondu handles payment collection and dunning for eligible transactions alongside its checkout, credit, and payment capabilities. Resolve Pay differentiates its approach through agentic collections, which adds multi-channel AI outreach across email, SMS, and voice within a broader AR automation workflow.
Kriya uses different collections models across its products. With Invoice Finance, sellers remain in control of collections and their customers pay into a Kriya trust account. With PayLater, Kriya takes on credit risk and handles payment collection for eligible transactions.
Understanding how each platform handles credit risk fundamentally affects seller exposure and cash flow predictability.
Resolve Pay provides non-recourse protection on eligible approved invoices. When the AI Credit Engine approves a buyer, Resolve Pay advances funds and assumes default risk on covered transactions under the applicable agreement. For eligible approved invoices, if that approved buyer fails to pay, Resolve Pay absorbs the loss without requiring repayment from the seller. This protection helps eliminate bad debt exposure on approved transactions.
Mondu provides upfront merchant settlement and assumes default risk on eligible approved transactions, transferring credit risk to Mondu for merchants operating within their EU coverage area.
Kriya's structure varies by product. Its Invoice Finance workflow leaves sellers in control of collections, while PayLater states that Kriya takes credit risk and handles collections for eligible transactions.
Resolve Pay provides advance payments on eligible approved invoices, generally within one to two business days. Mondu provides upfront settlement on eligible transactions, while Kriya can fund eligible approved invoices within one business day once a facility is established.
Resolve Pay delivers credit decisions under 24 hours through its AI Credit Engine, with instant approvals available for purchases up to certain thresholds. Quiet credit checks protect buyer relationships without impacting credit scores.
Mondu offers real-time credit decisions for eligible purchases, enabling instant checkout approvals within their European coverage.
Kriya provides instant credit assessment capabilities for their PayLater product and facility applications.
Each platform's integration ecosystem reflects its geographic focus and target market requirements.
Resolve Pay connects with US-focused business systems:
The two-way ERP sync handles historical data migration and maintains ongoing synchronization between systems. Most teams launch within one week using native integrations.
Mondu supports European commerce infrastructure:
Kriya connects with UK business systems:
Resolve Pay is built for B2B sellers that want to combine net terms, credit decisioning, payments, receivables automation, and collections within one supplier-focused workflow.
Key capabilities include:
Mondu and Kriya follow different regional and product models. For North American manufacturers, distributors, wholesalers, and other B2B suppliers seeking an integrated credit-to-cash platform, Resolve Pay brings these functions together in one system.
Evaluating platform costs requires looking beyond surface-level fees to understand total cost of ownership.
Resolve Pay's comprehensive automation can materially reduce the labor required for invoice follow-up, reconciliation, and collections workflows. For a mid-size B2B supplier, this can mean reallocating or eliminating full-time equivalents previously dedicated to manual payment chasing and receivables management.
Mondu handles collection and dunning for eligible transactions. Resolve Pay extends collections automation with agentic, multi-channel outreach integrated with its broader credit-to-cash workflow.
Kriya's risk structure depends on the product. Its Invoice Finance service keeps the seller in control of collections, while its PayLater offering states that Kriya takes credit risk and manages payment collection.
Non-recourse platforms like Resolve Pay help eliminate bad debt exposure on approved transactions. This protection has quantifiable value, particularly for businesses extending credit to new customers or operating in industries with payment volatility.
Risk allocation with Kriya varies by product. Its Invoice Finance workflow leaves sellers in control of collections, while PayLater states that Kriya takes credit risk and handles collections for eligible transactions.
Resolve Pay's native integrations enable launch within one week for most teams. Two-way ERP sync handles data migration automatically.
Mondu implementation varies based on customization requirements and European system integrations.
Kriya facility setup depends on the product type, with selective discounting typically faster than whole-ledger arrangements.
Resolve Pay combines net terms, buyer credit decisioning, invoice financing, payments, reconciliation, accounts receivable automation, and collections workflows for B2B sellers. The platform is designed to help suppliers offer flexible payment terms while improving cash-flow predictability and reducing manual AR work.
For eligible approved invoices, Resolve Pay can advance payment to the seller while the buyer receives agreed net terms. The advance is non-recourse for covered transactions, helping protect the seller from approved buyer nonpayment subject to the applicable agreement and eligibility requirements.
Resolve Pay uses AI-powered underwriting and business data to streamline buyer credit assessment. Some eligible purchases can receive rapid decisions, while other applications may require additional review depending on the buyer and requested credit amount.
Resolve Pay supports integrations with major ecommerce, accounting, and ERP platforms, including Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Flexible APIs are also available for custom workflows.
Resolve Pay can automate invoice workflows, payment reminders, reconciliation, credit management, and collections. Its agentic collections capabilities support coordinated outreach across email, SMS, and voice, helping finance teams reduce repetitive AR work while maintaining professional buyer communication.
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.