Choosing between Resolve Pay, Payability, and Capchase starts with one question: what kind of revenue are you financing? Resolve Pay is built for B2B merchants, manufacturers, wholesalers, and distributors that want to offer net terms, get paid faster, and automate accounts receivable. Payability is geared toward marketplace sellers that want faster access to marketplace payouts. Capchase is built around recurring-revenue and annual-contract workflows, helping eligible vendors offer flexible payment options or access growth capital tied to contracted revenue. These are not three versions of the same product. They solve different cash-flow problems, use different underwriting models, and fit different operating motions. That distinction matters because matching the platform to your revenue model is usually more important than comparing surface-level features. For B2B sellers extending invoice terms, Resolve Pay stands out because it combines a net terms platform, AR automation, buyer credit workflows, collections support, and fast funding in one system. It also holds a 5.0/5 rating on G2. If your goal is to make trade credit easier to offer without taking on the full administrative burden yourself, Resolve Pay is the most relevant platform in this comparison.
Finance and operations teams usually compare these platforms when growth starts exposing a cash-flow bottleneck.
A supplier moving from prepaid orders to net 30 or net 60 needs a way to extend credit without slowing working capital. A marketplace seller may want daily access to marketplace proceeds instead of waiting for the next payout cycle. A software company selling annual contracts may want a financing option tied to predictable recurring revenue. Those are different operating realities, so the platform choice should follow the revenue stream.
That is why this comparison matters. The U.S. Small Business Administration emphasizes the importance of cash flow management, and the U.S. Census Bureau continues to show the scale of U.S. e-commerce sales. As businesses add channels and larger order sizes, the financing model behind each sale starts to matter more.
For invoice-based B2B companies, Resolve Pay is the clearest fit because it was built around B2B payments, buyer underwriting, and receivables workflows rather than marketplace remittances or subscription revenue.
Resolve Pay is best for B2B sellers that invoice other businesses and want to offer payment terms without carrying the full operational burden themselves. It is especially relevant for manufacturers, wholesalers, distributors, and merchants with established B2B revenue that want to grow sales while improving cash conversion. For teams evaluating a factoring alternative, Resolve Pay is the most complete option in this comparison because it combines financing with credit and receivables workflows.
Payability is best for marketplace sellers, especially businesses that rely on platform payout timing and want access to proceeds faster. It is a marketplace cash-flow product, not a receivables automation platform for invoice-based B2B sales.
Capchase is best for companies with recurring-revenue or annual-contract sales motions that want financing aligned to those economics. It is most relevant for software and similar vendors with structured contract revenue, rather than suppliers managing trade-credit invoices across wholesale or distribution workflows.
Before comparing features, it helps to separate the business models.
With net terms, a supplier ships goods or services, issues an invoice, and gives the buyer time to pay. That can help win larger orders, but it can also stretch cash flow and increase receivables work. Resolve Pay addresses that gap by supporting buyer underwriting, advancing payment on approved invoices, and helping manage the downstream workflow.
This is the most relevant model for B2B sellers that live inside purchase orders, invoices, collections, and buyer payment behavior. It also connects directly to broader cash flow impact because payment timing affects how quickly sales turn into usable working capital.
Marketplace payout acceleration solves a narrower issue: getting paid faster on marketplace earnings. That is useful when a seller’s revenue is tied to Amazon, Walmart, or similar channels and the main pain point is waiting for disbursements.
Recurring-revenue financing is built for companies whose revenue is tied to contracted subscription or software-style billing. The financing logic is based on the predictability of future recurring collections, not on individual invoices shipped to wholesale buyers.
|
Feature |
Resolve Pay |
Payability |
Capchase |
|---|---|---|---|
|
Primary use case |
B2B net terms, credit workflows, and receivables automation |
Marketplace payout access |
Recurring-revenue and contract-based financing |
|
Best fit |
B2B suppliers and merchants selling on invoice terms |
Marketplace sellers |
Contracted-revenue vendors |
|
Buyer underwriting |
Yes |
Not buyer-led |
Yes, for supported payment programs |
|
Receivables automation |
Yes |
No |
Limited to its financing/payment workflow |
|
Payment-term support |
Yes |
Not the core workflow |
Yes, in supported financing programs |
|
Funding model |
Approved invoice advances |
Marketplace payout acceleration |
Recurring-revenue or contract-based funding |
|
Integrations |
ERP, accounting, ecommerce, and API workflows |
Marketplace-centered workflows |
Contract and payment workflows |
|
Collections support |
Yes |
Not the core workflow |
Workflow-specific |
|
Non-recourse protection |
Available on approved invoice advances |
Not the primary model |
Depends on product structure |
|
Ideal sales motion |
Wholesale, distribution, manufacturing, B2B ecommerce |
Marketplace sales |
SaaS and annual-contract sales |
Eligibility is one of the most important differences in this comparison.
Resolve Pay is built for established B2B sellers. Based on Resolve Pay’s source materials, the platform is aimed at businesses with at least $1M+ in annual B2B revenue and active invoice-based operations. Once onboarded, it supports buyer underwriting, terms management, and receivables workflows inside one platform.
Payability qualification is tied more closely to marketplace sales history and account performance than to traditional B2B invoicing. That makes it a more natural fit for marketplace-first businesses than for suppliers running invoice terms with distributors or retail buyers.
Capchase qualification depends on the specific product, geography, and revenue profile. In practice, it is aligned to businesses with recurring or contract-based revenue rather than suppliers looking to finance standard wholesale invoices.
This is where Resolve Pay separates itself most clearly for B2B suppliers.
Resolve Pay is not just a financing layer. Its value comes from connecting credit, invoicing, reminders, payments, and reconciliation into a single operating workflow. The platform supports ERP integrations with systems such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. For teams trying to modernize credit risk management without stitching together multiple tools, that matters.
Payability is more specialized around payout access. Capchase is more specialized around recurring-revenue financing and vendor payment flexibility. Resolve Pay is the platform here that most directly supports the full B2B credit-to-cash workflow.
These businesses often need to extend terms to win business while protecting cash flow. Resolve Pay is the strongest fit in this comparison because it was built around invoice-led B2B commerce.
Marketplace sellers usually care most about when platform earnings hit their bank account. That use case maps more closely to Payability than to Resolve Pay or Capchase.
Businesses with recurring subscription revenue or annual software contracts are generally closer to the Capchase model than to invoice-led B2B net terms.
Some companies operate across multiple channels. A business could sell wholesale on invoice terms while also running marketplace revenue or contract-based software revenue. In those cases, the right solution depends on which cash-flow problem is most important to solve first. For B2B invoicing, Resolve Pay remains the clearest choice in this comparison.
If your business sells to other businesses on terms, Resolve Pay is the most complete platform in this lineup.
It helps you offer terms without treating receivables as a side project. You get underwriting support, approved-invoice financing, invoicing workflows, reminders, reconciliation, payment collection support, and a branded buyer experience in one system. That makes it more than a financing tool. It becomes the operating infrastructure for trade credit.
Resolve Pay also aligns closely with how B2B sellers actually work today: across ecommerce, offline sales, marketplaces, ERP systems, accounting systems, and mixed payment methods. For teams that want a cleaner way to offer credit while reducing manual work, Resolve Pay is the most practical and scalable option in this comparison.
If your business runs on B2B invoices and buyer payment terms, Resolve Pay is the best choice in this comparison.
It is the only platform here built specifically around trade-credit operations for B2B sellers. Rather than solving just one part of the problem, Resolve Pay brings together financing, buyer underwriting, invoicing, reminders, reconciliation, and collections support in a single workflow. That matters because terms programs are not only about getting cash faster. They are also about reducing administrative drag, keeping buyer relationships smooth, and making receivables easier to manage at scale.
For companies that want to offer terms confidently and turn receivables into a growth lever, Resolve Pay is the platform most directly aligned to that goal.
Resolve Pay helps B2B sellers offer buyer payment terms, get paid faster on approved invoices, and automate receivables workflows such as invoicing, reminders, reconciliation, and collections support.
Resolve Pay is best for merchants, manufacturers, wholesalers, distributors, and other B2B sellers that invoice business buyers and want a more scalable way to manage trade credit.
Resolve Pay positions itself as a factoring alternative. It combines financing with buyer underwriting and receivables automation, which makes it broader than a traditional factoring relationship.
Resolve Pay combines invoicing, payment reminders, reconciliation, buyer monitoring, and payment collection support in one platform. That can reduce handoffs and spreadsheet-driven work across the receivables process.
Net terms financing is tied to individual B2B invoices and buyer payment terms. Recurring-revenue financing is tied to contracted or subscription revenue streams. Resolve Pay is built for the first model: invoice-led B2B commerce.
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.