Resolve Pay vs Payability vs Apruve

Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles with capital tied up in unpaid invoices. While Payability focuses on marketplace seller payout acceleration and Apruve (now part of TreviPay) provides managed B2B payment and trade credit programs across multiple markets, Resolve Pay delivers comprehensive net terms financing combined with AR automation and non-recourse credit protection for mid-market manufacturers, distributors, and wholesalers.

Understanding these fundamental differences helps B2B sellers choose the platform that matches their business model, growth objectives, and operational requirements. When B2B suppliers evaluate payment solutions, the choice between marketplace-focused tools, managed trade credit platforms, and integrated net terms financing becomes critical. Three distinct approaches represent fundamentally different philosophies toward B2B payments and cash flow management.

Key Takeaways

• Resolve Pay provides 100% non-recourse financing on approved advances, meaning sellers keep their money even if buyers default, while Payability requires merchants to retain all risk on chargebacks and returns
• Resolve Pay serves 15,000+ businesses with a complete credit-to-cash platform combining net terms, AR automation, and collections, whereas Payability exclusively serves marketplace sellers on Amazon, Walmart, and similar platforms
• Resolve Pay's AI-powered credit engine delivers instant buyer approvals in seconds, compared to traditional enterprise underwriting processes that can take weeks
• Apruve became part of TreviPay in December 2022. TreviPay now provides managed B2B payments, trade credit, invoicing, and order-to-cash capabilities across more than 30 countries
• Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, Magento, QuickBooks, NetSuite, Xero, and Sage Intacct, with implementation typically completed in days rather than weeks or months
• Resolve Pay combines non-recourse financing, credit decisioning, payments, and AR automation for B2B invoice workflows, while Payability focuses on accelerating marketplace seller cash flow

Understanding B2B Payment Solutions: Resolve Pay, Payability, and Apruve

The B2B payment technology market encompasses distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage, sales channels, and execution capacity.

Marketplace Payout Acceleration Platforms

Marketplace payout acceleration platforms like Payability serve as cash flow tools for sellers on Amazon, Walmart, Shopify, and similar marketplaces. These platforms provide faster access to funds that would otherwise be held by marketplace operators for 14-30 days. The value proposition centers on accelerating existing receivables from marketplace sales. However, these systems only work for marketplace sellers and do not address B2B invoice-based sales, credit decisions, or accounts receivable management.

Managed B2B Trade Credit Platforms

Managed B2B trade credit platforms like Apruve (now TreviPay) provide coordinated payment programs for businesses operating across one or multiple markets. TreviPay supports managed B2B payment and trade credit programs for organizations with multi-market and more complex order-to-cash requirements. These platforms offer managed trade credit services across multiple countries and currencies, with customized implementation based on program scope.

Integrated B2B Net Terms Platforms

Integrated B2B net terms platforms like Resolve Pay occupy a distinct position, combining multiple capabilities into a single solution accessible to mid-market businesses. Rather than focusing on a single function, Resolve Pay provides:

• Net terms financing with advances up to 90-100% of invoice value
• AI-powered credit decisioning with instant approvals
• Complete AR automation including invoicing, reminders, and reconciliation
• Agentic collections with multi-channel follow-up sequences
• White-labeled payment portal for buyer self-service

The fundamental distinction lies in business model alignment: Payability enables marketplace seller cash flow, TreviPay provides managed B2B trade credit across markets, and Resolve Pay serves B2B suppliers who sell on invoices and need comprehensive credit, financing, and AR management.

What is Invoice Factoring and How Do These Solutions Compare?

Invoice factoring represents a traditional approach to B2B financing where businesses sell their outstanding invoices to a third party at a discount in exchange for immediate cash. However, not all financing solutions operate under the same model, and understanding these differences proves critical for selecting the right approach.

Traditional Invoice Factoring Explained

Traditional factoring companies purchase invoices from businesses, advance a portion of the invoice value (typically 70-85%), and then collect payment from the buyer. When the buyer pays, the factoring company releases the remaining balance minus their fees. The key challenge with traditional factoring involves recourse provisions, where sellers must buy back invoices if buyers fail to pay.

How Resolve Pay Differs from Traditional Factoring

Resolve Pay operates on a fundamentally different model that eliminates the core risk of traditional factoring. Rather than simply purchasing invoices, Resolve Pay:

• Provides non-recourse financing where sellers keep advances even if approved buyers default
• Conducts buyer credit decisions through AI-powered underwriting rather than relying on seller creditworthiness
• Offers higher advance rates of up to 90-100% compared to typical factoring advances of 70-85%
• Includes complete AR automation rather than just invoice purchases
• Maintains seller branding through white-label buyer experiences

This approach means B2B sellers can offer net terms to new customers without worrying about bad debt, credit checks, or collections management.

Key Differences from Payability and Apruve

Payability does not operate as a factoring solution at all. Instead, it accelerates payouts from marketplace platforms by advancing funds that sellers have already earned but have not yet received. Merchants retain all risk for chargebacks, returns, and failed payments. The platform specifically targets marketplace sellers rather than B2B invoice-based businesses.

Apruve became part of TreviPay in 2022. TreviPay provides managed B2B trade credit, invoicing, payments, collections, and settlement capabilities for businesses operating across multiple markets. TreviPay's managed model is designed for businesses that need coordinated credit, invoicing, payments, collections, and settlement across their B2B operations.

Streamlining Accounts Receivable with Automation and AI

Manual accounts receivable management consumes significant time and resources while creating inconsistency in credit decisions and collections processes. AI-powered automation transforms these workflows from labor-intensive bottlenecks to efficient, scalable operations.

The Role of AI in Credit Decisions

Traditional B2B credit decisions require:

• Gathering trade references from multiple sources
• Manually reviewing financial statements
• Calling references and waiting for callbacks
• Making subjective judgments based on incomplete information

This process typically takes 10+ days and produces inconsistent results based on who conducts the review.

Resolve Pay's AI Credit Engine transforms credit decisioning through:

• Real-time data analysis evaluating thousands of buyer data points including cash flow trends, payment history, and behavioral signals
• Instant approvals with decisions delivered in seconds rather than weeks
• Dynamic credit lines that adjust automatically based on payment history
• Quiet credit checks that minimize buyer friction

Archipelago Lighting reduced their net terms approval time from 10 days to 24 hours while offering 20x higher credit lines to qualified buyers through Resolve Pay's AI-powered underwriting.

Automated Collections vs. Manual Follow-ups

The agentic collections approach replaces manual reminder calls and emails with intelligent, multi-channel sequences:

• Automated email sequences triggered based on invoice aging
• SMS reminders for time-sensitive communications
• Voice AI outbound calls with natural conversation capabilities
• Intelligent escalation that adapts based on buyer response patterns
• Automatic pause when payment or dispute is received

This automation supports faster and more consistent collections by coordinating follow-up across channels while reducing the amount of routine AR work handled manually. Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours.

Payability and Apruve AR Capabilities

Payability does not offer AR automation features because the platform focuses exclusively on marketplace payout acceleration. Sellers using Payability still need separate solutions for any B2B invoice management requirements.

TreviPay provides AR capabilities as part of their managed B2B payment programs, including invoicing, payments, collections, and settlement across multiple markets. The platform serves businesses with coordinated order-to-cash requirements.

For mid-market B2B sellers, Resolve Pay's integrated platform delivers comprehensive credit-to-cash capabilities with accessible implementation.

Financing Options for Small Businesses and Startups

Growing B2B businesses face persistent challenges accessing working capital without diluting equity or taking on burdensome debt. While traditional financing options like SBA loans and bank lines of credit serve important purposes, they often prove inaccessible or impractical for businesses needing flexible, invoice-based capital.

Beyond Traditional Loans

Traditional financing options create challenges for B2B businesses:

• SBA 7(a) loans can support short- and long-term working capital, subject to lender underwriting, eligibility, creditworthiness, and repayment requirements
• Bank lines of credit often require collateral, personal guarantees, and established banking relationships
• Venture capital dilutes ownership and may not align with business models outside high-growth tech
• Merchant cash advances carry high effective interest rates

Net terms financing through Resolve Pay offers an alternative approach that:

• Converts receivables to cash within 1-2 business days
• Requires no personal guarantees or additional collateral
• Scales automatically with business growth and invoice volume
• Eliminates credit risk through non-recourse advances on approved buyers

Accessing Capital for Growth

The working capital optimization achieved through net terms financing enables B2B businesses to:

• Fund inventory purchases without waiting 30-90 days for customer payments
• Take supplier discounts by paying vendors early
• Invest in growth initiatives like new equipment, marketing, or hiring
• Smooth cash flow seasonality during predictable slow periods

ConEquip achieved 30% year-over-year growth by offering competitive net terms to construction equipment buyers while maintaining healthy cash flow through Resolve Pay advances.

Platform Comparison for Small Business Needs

Resolve Pay serves mid-market businesses with $1M+ annual revenue in manufacturing, distribution, and wholesale. The platform provides:

• Rapid implementation in days
• Competitive access requirements
• Full-service AR automation included

Payability serves marketplace sellers of any size selling on Amazon, Walmart, Shopify, and similar platforms. The platform provides:

• Simple daily payout acceleration
• Quick marketplace integration

TreviPay provides managed B2B payment and trade credit programs that may involve:

• Managed trade credit
• Multi-market operations
• ERP and commerce integrations
• Coordinated invoicing, payments, and collections

Optimizing Cash Flow for B2B Sellers

Cash flow management determines whether B2B businesses can seize growth opportunities or struggle to meet basic obligations. The gap between invoice issuance and payment collection creates working capital challenges that constrain operations.

The Impact of Net Terms on Cash Flow

Trade credit is a common part of B2B commerce, with the SBA describing Net 30 and Net 60 as typical net terms. Offering payment flexibility can help sellers accommodate business buyers while creating a receivables period that must be managed carefully.

However, extending terms without financing creates cash flow strain:

• A $100,000 invoice on Net 60 terms means $100,000 unavailable for 60+ days
• Growing sales actually worsen cash flow as more capital gets tied up in receivables
• Seasonal businesses face amplified challenges during peak selling periods

The net terms tax describes this phenomenon: B2B sellers often find themselves cash-poor despite strong sales because capital remains locked in outstanding invoices.

Accelerating Receivables with Resolve Pay

Resolve Pay's advance pay model eliminates the cash flow penalty of offering terms:

• Receive 50%, 75%, or 90% of invoice value within 1-2 business days
• Remaining balance released when buyer pays
• Non-recourse protection means no risk of buyback on approved invoices
• Continue offering competitive terms without cash flow impact

SS&SI Dealer Network achieved 5x revenue growth by leveraging Resolve Pay to offer net terms that previously would have strained their working capital position.

Cash Flow Comparison Across Platforms

Resolve Pay cash flow impact:

• Advances up to 90-100% within 1-2 business days
• Supports Net 30, 60, and 90 day terms
• Non-recourse protection eliminates bad debt risk
• Integrated AR reduces administrative costs

Payability cash flow impact:

• Advances a portion of daily marketplace sales
• Next-day payout for marketplace transactions
• Merchant retains all risk for returns and chargebacks
• Only applicable to marketplace sales, not B2B invoices

TreviPay cash flow impact:

• Managed payment programs with coordinated settlement
• Supports extended terms including 30-120+ days
• Non-recourse protection on approved transactions

For B2B sellers issuing invoices directly to buyers (rather than selling through marketplaces), Resolve Pay provides an accessible path to improved cash flow with comprehensive supporting features.

Integrated Solutions: Credit, AR, and Payments in One Platform

B2B payment operations require multiple functions working together: credit decisions, invoice management, payment processing, reconciliation, and collections. The choice between integrated platforms and point solutions significantly impacts operational efficiency and total cost.

The Benefits of a Unified System

Integrated platforms like Resolve Pay eliminate:

• Data silos between credit, invoicing, and collections systems
• Manual data entry required to sync information across tools
• Reconciliation errors from mismatched records
• Vendor management overhead from multiple contracts and relationships

Resolve Pay's integrated platform combines:

• Credit decisioning with buyer underwriting
• Net terms financing with advance payments typically received within 1-2 business days
• Invoice generation synced from ERP systems
• Payment processing across ACH, wire, credit card, and check
• Automated reconciliation with ML-powered matching
• Multi-channel collections with intelligent escalation

Seamless Buyer Experience

The buyer experience impacts conversion rates and customer satisfaction. Resolve Pay maintains seller branding throughout:

• White-labeled buyer portal displaying seller branding
• Self-service payment options including multiple payment methods
• Streamlined credit assessment designed to minimize paperwork and buyer friction
• Mobile-responsive checkout for convenient payment

This seamless experience enables manufacturers to offer same-day credit decisions at checkout without disrupting the purchase flow.

Platform Integration Comparison

Resolve Pay native integrations:

• E-commerce: Shopify, BigCommerce, WooCommerce, Magento 2
• ERP/Accounting: QuickBooks, NetSuite, Xero, Sage Intacct
• Automated syncing and reconciliation workflows, with integration behavior varying by platform
• Implementation in days to one week

Payability integrations:

• Marketplace APIs for Amazon, Walmart, Shopify, Newegg, Etsy, eBay, TikTok Shop
• No traditional ERP/accounting integrations (not applicable to their model)

TreviPay integrations:

• Enterprise platforms including Magento, BigCommerce, Miva, Shift4Shop
• Enterprise ERP systems
• Implementation timeline varies based on program scope

The 2025 BigCommerce Innovative Integration Award recognized Resolve Pay's native B2B checkout integration for enabling embedded net terms directly at checkout with instant credit decisions.

Collections Management: Preserving Relationships and Reducing DSO

Collections represent a delicate balance between recovering owed payments and maintaining valuable customer relationships. Effective collections accelerate some payments while preserving long-term business relationships. Inconsistent collections leave money on the table and strain working capital.

Automated vs. Manual Collections

Manual collections processes face challenges from:

• Inconsistent follow-up based on individual staff availability
• Delayed escalation when busy periods reduce collection calls
• Relationship concerns from poorly-timed outreach
• Limited visibility into collection activities and outcomes

Resolve Pay's agentic collections system automates the entire process:

• Day-based sequences triggering at predetermined aging thresholds (Day 1 email, Day 7 SMS, Day 14 call, Day 21 escalate)
• Multi-channel outreach across email, SMS, and voice AI calls
• Intelligent pausing when payment or dispute is detected
• Complete logging of all interactions to invoice records
• Professional tone that preserves customer relationships

The hybrid model combines AI automation with human oversight, ensuring complex situations receive appropriate attention while routine follow-ups happen automatically.

DSO Reduction Results

Days Sales Outstanding (DSO) measures the average time to collect payment after invoicing. Lower DSO means faster cash conversion and improved working capital.

Resolve Pay is designed to improve receivables performance by:

• Accelerating cash availability on approved invoices
• Automating payment reminders and collections workflows
• Reducing manual AR and credit administration

These improvements compound over time as the platform learns from payment patterns and optimizes outreach timing and channels.

Maintaining Customer Goodwill

The collections approach emphasizes relationship preservation through:

• Professional, branded communications that reflect seller values
• Escalation protocols that avoid aggressive tactics on otherwise good customers
• Dispute resolution workflows that address legitimate concerns
• Payment plan options for customers experiencing temporary difficulties

This balanced approach achieves collection goals without sacrificing the customer relationships that drive repeat business and referrals.

Target Markets and Industry Focus

Different B2B payment solutions serve different market segments, and selecting the right platform requires alignment between business model and platform capabilities.

Resolve Pay: Mid-Market B2B Suppliers

Resolve Pay specifically targets mid-market B2B sellers with $1M+ annual revenue in:

• Manufacturing: HVAC equipment, electrical equipment, machinery, medical devices
• Wholesale distribution: Plumbing supplies, industrial fasteners, safety equipment
• Supply industries: Construction materials, janitorial supplies, packaging supplies

The platform serves businesses that:

• Sell to other businesses (not consumers)
• Issue invoices with net terms (not marketplace sales)
• Need credit decisions on buyers
• Want to offer competitive payment terms without cash flow risk

Customer success stories demonstrate the platform's effectiveness across these industries. Archipelago Lighting tripled revenue after implementing Resolve Pay, while Elston Materials increased margins from 25% to 30%.

Payability: Marketplace Sellers

Payability exclusively serves sellers on marketplace platforms including:

• Amazon
• Walmart
• Shopify
• Newegg
• Etsy
• eBay
• TikTok Shop

The platform works for businesses that:

• Generate revenue primarily through marketplace sales
• Need faster access to marketplace-held funds
• Have established marketplace performance history
• Accept responsibility for chargebacks and returns

Payability does not serve businesses with B2B invoice-based sales outside marketplace platforms.

Apruve (TreviPay): Managed B2B Programs

TreviPay provides managed B2B payment and trade credit programs that support:

• Multi-country presence across more than 30 countries
• Multiple currency requirements (19+ currencies supported)
• Coordinated B2B trade credit programs
• Managed implementation based on program scope

The platform serves businesses that:

• Need managed B2B trade credit programs
• Operate across one or multiple markets
• Require coordinated invoicing, payments, and collections
• Have implementation requirements that benefit from managed support

How the Platforms Differ by Business Model

The three platforms address different payment and cash-flow workflows.

• Resolve Pay is built for B2B sellers that issue invoices, extend net terms, evaluate buyer credit, and manage accounts receivable. Its platform combines credit decisioning, non-recourse advances on approved invoices, payments, reconciliation, and AR automation.
• Payability focuses on cash-flow products linked to ecommerce marketplace sales, including accelerated access to eligible marketplace earnings.
• Apruve is now part of TreviPay, which provides managed B2B trade credit, payments, invoicing, collections, and order-to-cash capabilities across multiple markets.

For manufacturers, distributors, and wholesalers managing B2B invoice sales, Resolve Pay's B2B payment platform brings the credit-to-cash workflow together in one system.

Why B2B Manufacturers, Distributors, and Wholesalers Choose Resolve Pay

Mid-market B2B sellers need a platform that addresses the complete credit-to-cash cycle without requiring multiple vendors or enterprise-level implementation resources. Resolve Pay delivers this through an integrated approach that combines buyer credit decisioning, non-recourse financing, payments, reconciliation, and collections automation.

The platform's strength lies in its accessibility. Implementation typically completes in days rather than weeks or months, with native integrations to major ERP and e-commerce systems. Businesses can begin offering net terms with instant credit decisions while accessing advance payments within 1-2 business days on approved invoices.

The non-recourse model means sellers can extend terms confidently, knowing they retain advanced funds even if approved buyers default. This risk protection, combined with AI-powered credit decisions and automated collections, enables B2B sellers to compete on payment terms without the traditional cash flow strain or bad debt exposure.

For manufacturers selling equipment, distributors managing inventory-intensive operations, or wholesalers serving trade professionals, Resolve Pay provides the financial infrastructure to offer competitive payment terms while maintaining healthy working capital and reducing AR overhead.

Frequently Asked Questions

What is the main difference between Resolve Pay and traditional invoice factoring?

Traditional invoice factoring typically involves recourse provisions where sellers must buy back invoices if buyers fail to pay. Resolve Pay provides non-recourse financing where sellers keep advances even if approved buyers default. Additionally, Resolve Pay includes comprehensive AR automation, AI-powered credit decisions, and multi-channel collections. The platform evaluates buyer creditworthiness rather than seller creditworthiness, enabling businesses to extend terms to new customers with confidence.

How do these platforms help improve a business's cash flow?

Resolve Pay advances up to 90-100% of invoice value within 1-2 business days while buyers pay on Net 30, 60, or 90 day terms, eliminating the waiting period between invoicing and payment collection. Payability accelerates marketplace payouts by advancing funds before the marketplace releases them. TreviPay offers managed payment programs with coordinated settlement. For B2B invoice-based businesses, Resolve Pay provides comprehensive cash flow optimization by combining advances with AR automation.

Can small businesses or startups use Resolve Pay, Payability, or Apruve?

Resolve Pay serves mid-market B2B businesses with $1M+ annual revenue in manufacturing, distribution, and wholesale. The platform offers accessible implementation without enterprise-level requirements. Payability serves marketplace sellers of various sizes with straightforward daily payout acceleration. Apruve is now part of TreviPay, which supports both mid-market and enterprise B2B payment programs. Implementation scope and timing vary based on systems, regions, and program complexity.

What capabilities should B2B sellers compare across payment solutions?

B2B sellers should compare how each platform handles buyer credit, invoice workflows, payments, reconciliation, collections, integrations, and access to working capital. Resolve Pay combines these functions in one platform for invoice-based B2B sellers, including AR automation, buyer credit decisioning, payments, and non-recourse advances on approved invoices. Payability focuses on marketplace cash flow acceleration. TreviPay provides managed B2B payment programs across multiple markets.

Do Resolve Pay, Payability, or Apruve integrate with existing ERP or accounting systems?

Resolve Pay provides native integrations with QuickBooks, NetSuite, Xero, and Sage Intacct, plus e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. Automated syncing enables invoice creation, payment reconciliation, and bookkeeping updates. Payability integrates with marketplace APIs but does not connect to traditional accounting systems since the platform focuses on marketplace sales. TreviPay offers enterprise ERP integrations based on program requirements. Most Resolve Pay customers launch in under one week with full ERP connectivity.

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.