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.
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 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 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 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:
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.
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 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.
Resolve Pay operates on a fundamentally different model that eliminates the core risk of traditional factoring. Rather than simply purchasing invoices, Resolve Pay:
This approach means B2B sellers can offer net terms to new customers without worrying about bad debt, credit checks, or collections management.
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.
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.
Traditional B2B credit decisions require:
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:
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.
The agentic collections approach replaces manual reminder calls and emails with intelligent, multi-channel sequences:
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 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.
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.
Traditional financing options create challenges for B2B businesses:
Net terms financing through Resolve Pay offers an alternative approach that:
The working capital optimization achieved through net terms financing enables B2B businesses to:
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.
Resolve Pay serves mid-market businesses with $1M+ annual revenue in manufacturing, distribution, and wholesale. The platform provides:
Payability serves marketplace sellers of any size selling on Amazon, Walmart, Shopify, and similar platforms. The platform provides:
TreviPay provides managed B2B payment and trade credit programs that may involve:
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.
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:
The net terms tax describes this phenomenon: B2B sellers often find themselves cash-poor despite strong sales because capital remains locked in outstanding invoices.
Resolve Pay's advance pay model eliminates the cash flow penalty of offering terms:
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.
Resolve Pay cash flow impact:
Payability cash flow impact:
TreviPay cash flow impact:
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.
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.
Integrated platforms like Resolve Pay eliminate:
Resolve Pay's integrated platform combines:
The buyer experience impacts conversion rates and customer satisfaction. Resolve Pay maintains seller branding throughout:
This seamless experience enables manufacturers to offer same-day credit decisions at checkout without disrupting the purchase flow.
Resolve Pay native integrations:
Payability integrations:
TreviPay integrations:
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 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.
Manual collections processes face challenges from:
Resolve Pay's agentic collections system automates the entire process:
The hybrid model combines AI automation with human oversight, ensuring complex situations receive appropriate attention while routine follow-ups happen automatically.
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:
These improvements compound over time as the platform learns from payment patterns and optimizes outreach timing and channels.
The collections approach emphasizes relationship preservation through:
This balanced approach achieves collection goals without sacrificing the customer relationships that drive repeat business and referrals.
Different B2B payment solutions serve different market segments, and selecting the right platform requires alignment between business model and platform capabilities.
Resolve Pay specifically targets mid-market B2B sellers with $1M+ annual revenue in:
The platform serves businesses that:
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 exclusively serves sellers on marketplace platforms including:
The platform works for businesses that:
Payability does not serve businesses with B2B invoice-based sales outside marketplace platforms.
TreviPay provides managed B2B payment and trade credit programs that support:
The platform serves businesses that:
The three platforms address different payment and cash-flow workflows.
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.
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.
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.
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.
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.
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.
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.