Sep 24, 2026
Selecting the right B2B payment and accounts receivable solution can define your company's cash flow trajectory and operational efficiency. While Payability focuses on ecommerce marketplace payout acceleration and Gaviti specializes in AR automation software, Resolve Pay delivers comprehensive net terms financing combined with AI-powered AR automation and non-recourse credit protection on eligible approved invoices. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the platform that matches their cash flow needs, credit risk tolerance, and growth objectives.
When B2B suppliers evaluate payment and AR solutions, the choice between financing platforms, marketplace tools, and pure automation software becomes critical. Three distinct approaches represent fundamentally different philosophies toward cash flow management and accounts receivable optimization. This comparison examines how Resolve Pay's integrated model addresses B2B manufacturers, distributors, and wholesalers needing cash flow acceleration combined with credit risk management for buyer payment terms.
Key Takeaways
- Resolve Pay combines non-recourse net terms financing, buyer credit decisioning, AR automation, payments, and collections workflows in one B2B platform, while Payability focuses on marketplace seller funding and Gaviti focuses on invoice-to-cash automation
- Resolve Pay can advance up to 100% on eligible approved invoices while providing non-recourse protection for covered buyer defaults, subject to Resolve Pay's approval, terms, and applicable exclusions
- Resolve Pay uses AI-powered buyer underwriting to deliver fast credit decisions, helping B2B sellers extend approved payment terms with less manual credit-review work
- Resolve Pay executes unified outreach across email, phone, SMS, and voice AI through agentic collections, while Gaviti offers collections automation and Payability provides no AR capabilities
- Resolve Pay maintains a 5.0/5 G2 rating from 17 reviews, demonstrating strong customer satisfaction for its B2B payment and receivables workflows
- Deep ERP integrations with QuickBooks, Oracle NetSuite, Sage Intacct, and Xero position Resolve Pay for seamless workflow connectivity across accounting, ecommerce, and business systems
Understanding the Core: What Each Platform Offers
The B2B payment and AR technology market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their industry, growth stage, and execution capacity.
Resolve Pay: An Integrated B2B Payments and AR Automation Platform
Resolve Pay operates as a comprehensive B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while accelerating seller cash flow and reducing covered buyer credit risk.
The platform delivers:
- Net Terms Financing: Sellers offer Net 30/60/90 terms to approved buyers while Resolve Pay can advance up to 100% on eligible approved invoices within 1-2 business days
- Non-Recourse Protection: Resolve Pay provides non-recourse financing on eligible approved invoices, with covered buyer default risk handled according to Resolve Pay's terms and applicable exclusions such as fraud, disputes, or documentation issues
- AI Credit Engine: Proprietary underwriting evaluates thousands of buyer data points with real-time credit decisions
- AR Automation: AI-powered invoice generation, payment reminders, reconciliation, and collections management
- Agentic Collections: Multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation
- Payment Portal: White-labeled buyer dashboard accepting ACH, wire, credit card, and check payments
Trusted by businesses across manufacturing, wholesale distribution, HVAC parts, electrical supplies, medical devices, and construction materials, Resolve Pay serves mid-market B2B sellers extending payment terms to business customers.
Payability
Payability positions itself as a working capital solution designed specifically for ecommerce marketplace sellers. The platform provides:
- Daily Payouts: Next-day access to sales proceeds for qualifying Amazon, Walmart, and eBay sellers
- Working Capital Advances: Funding based on sales history rather than credit scores
- Seller Card: Instant spending capability for advanced funds
- Marketplace Integration: Approval based on selling history and monthly sales volume
Payability's model works well for ecommerce sellers needing faster access to marketplace payouts. The platform focuses on seller payout acceleration rather than B2B invoicing and does not include AR automation capabilities.
Gaviti
Gaviti operates as an AR automation platform focused on invoice-to-cash workflows without any financing component. The platform offers:
- Collections Automation: Workflow management, task automation, and dunning sequences
- Payment Portal: Self-service customer dashboard with ACH and other payment options
- Cash Application: Automated payment matching, including high levels of automated matching for bank transactions and automatic matching for payments made through its customer portal
- Credit & Risk Management: Credit applications, ongoing customer risk assessment, credit monitoring, and credit-limit management
- ERP Integrations: Connections to NetSuite, Sage Intacct, QuickBooks, and other systems
Gaviti maintains a 4.5/5 rating across 169 G2 reviews and serves mid-to-large B2B enterprises focused on DSO reduction. The platform provides comprehensive AR automation but does not include financing capabilities.
Invoice Financing: Immediate Cash Flow Solutions for B2B Sellers
For B2B suppliers, the gap between delivering goods and receiving payment can strain operations and limit growth. Understanding how each platform approaches invoice financing reveals fundamental differences in capability and value.
Non-Recourse vs. Recourse Financing
The distinction between non-recourse and recourse financing determines who bears the financial burden when buyers fail to pay.
- Resolve Pay's Non-Recourse Model: Resolve Pay provides non-recourse financing on eligible approved invoices. For covered buyer defaults, sellers keep their advance subject to Resolve Pay's terms and standard exclusions such as fraud, disputes, or documentation issues. This protection enables suppliers to extend competitive terms to qualified customers and enter new markets with improved cash-flow predictability.
- Payability's Structure: Payability operates on a recourse model where sellers retain ultimate responsibility for payment issues. While the platform advances funds quickly, sellers face clawback risk if marketplace transactions are reversed or disputed.
- Gaviti's Position: Gaviti provides no financing whatsoever, meaning companies bear full buyer default risk. The platform helps collect payments more effectively but cannot protect against non-payment or accelerate cash beyond actual customer payment timing.
Funding Speed and Advance Rates
Speed to cash directly impacts operational agility and growth capacity. Resolve Pay can provide advance payment on eligible approved invoices within approximately 1-2 business days, with some workflows supporting funding within about 24 hours. Payability provides next-day marketplace payouts for qualifying ecommerce sellers. Gaviti does not offer financing services.
Resolve Pay's combination of high advance rates on eligible transactions and rapid funding eliminates the traditional 30-90 day wait for customer payments. This acceleration enables suppliers to reinvest in inventory, fund payroll, and capture growth opportunities.
Automating Accounts Receivable: Efficiency and Risk Management
Manual AR processes drain resources, introduce errors, and delay cash collection. Each platform approaches automation differently based on their core business model.
Streamlining Invoice to Cash
Resolve Pay's AR automation platform eliminates manual invoice management through:
- Automated invoice generation synced from ERP and accounting systems without manual entry
- Smart payment reconciliation with ML-powered matching that automatically connects payments to invoices
- Real-time AR dashboard providing visibility into DSO, aging, and portfolio health
- Automated bookkeeping sync with two-way integration across QuickBooks, Xero, Sage Intacct, and NetSuite
This comprehensive approach frees finance teams to focus on strategic activities rather than chasing payments. Gaviti provides collections automation and workflow management through customizable dunning sequences and task management. The platform excels at organizing AR operations but requires separate tools for financing and credit underwriting. Payability provides no AR automation capabilities, as the platform focuses exclusively on accelerating marketplace payouts.
AI-Powered Reconciliation
Cash application represents one of the most time-consuming AR functions. Resolve Pay's AI-powered system automatically matches incoming payments to open invoices, eliminating manual reconciliation work and reducing errors. Gaviti automates cash application, reporting approximately 95% automated matching for bank transactions and 100% matching accuracy for payments made through its customer portal. Resolve Pay combines reconciliation with its broader credit, financing, payment, and collections workflows.
Comprehensive AR Dashboards
Resolve Pay provides real-time visibility into:
- Days Sales Outstanding (DSO) trends
- Invoice aging by customer and segment
- Portfolio health metrics
- Payment pattern analysis
- Credit utilization across buyer accounts
This integrated view connects receivables performance with Resolve Pay's credit, financing, payment, and collections workflows.
B2B Payment Solutions: Enhancing the Buyer Experience
The buyer payment experience directly impacts collection speed and customer relationships. Research from PYMNTS on B2B payment preferences shows modern B2B buyers expect consumer-grade convenience combined with flexible payment options.
White-Labeled Portals
Resolve Pay's payment portal maintains seller branding throughout the buyer journey. Customers see your company identity when viewing invoices, making payments, and managing their accounts. This white-label approach preserves customer relationships, builds brand recognition, and creates professional experiences. Gaviti provides a customer self-service portal with similar branding capabilities. Payability does not offer buyer-facing portals since the platform focuses on seller payout acceleration.
Payment Options
Resolve Pay accepts ACH transfers, wire transfers, credit card payments, check payments, and supports multiple payment methods on single invoices. This flexibility ensures buyers can pay using their preferred method while sellers maintain consistent cash flow regardless of payment rail. Gaviti provides ACH and other payment options through its customer-facing payment portal.
Self-Serve Functionality
Both Resolve Pay and Gaviti enable buyers to view complete invoice and payment history, set up payment plans, flag disputes for resolution, access credit line information, and download statements and documentation. This self-service capability reduces support burden while improving buyer satisfaction and payment compliance.
Credit Assessment and Underwriting: Fast and Accurate Buyer Approvals
The ability to quickly and accurately assess buyer creditworthiness determines how efficiently suppliers can extend terms and close sales. Manual credit checks create bottlenecks that cost deals.
AI-Powered Credit Engines
Resolve Pay's business credit check capabilities leverage AI to evaluate thousands of buyer data points including cash flow trends, payment history across vendors, behavioral signals, company financials, and industry risk factors. This analysis produces credit decisions quickly, compared to the days or weeks required for manual trade reference calls and spreadsheet analysis. Sales teams can quote terms more efficiently, improving conversion rates and customer experience.
Gaviti provides credit management and monitoring for AR teams, including credit applications, ongoing risk assessment, and credit-limit management. Resolve Pay's buyer underwriting is directly connected to its net terms financing and advance-payment workflow. Payability requires no credit checks since approval is based on marketplace selling history rather than buyer creditworthiness.
Dynamic Credit Lines
Resolve Pay's credit engine continuously adjusts buyer credit lines based on payment behavior. Customers who pay consistently and on time see credit limits increase, while those showing risk signals face appropriate restrictions. This dynamic approach rewards good payment behavior, identifies emerging risk early, optimizes credit exposure automatically, and reduces manual credit review workload.
Maintaining Buyer Relationships
Resolve Pay conducts quiet credit checks that do not notify buyers or impact their credit scores. This approach preserves customer relationships by avoiding awkward credit conversations, eliminating buyer friction in the sales process, and enabling credit assessment without customer awareness.
Collections Management: Preserving Relationships While Recovering Debts
Effective collections balance payment recovery with customer relationship preservation.
Automated Multi-Channel Collections
Resolve Pay's agentic collections system executes intelligent follow-up sequences across multiple channels:
- Email: Automated reminder sequences with customizable timing
- SMS: Text notifications for time-sensitive communications
- Voice AI: Autonomous outbound calls that conduct natural conversations
- Human Escalation: Seamless handoff for complex situations
The system automatically pauses when payments or disputes are received, preventing over-communication. Gaviti provides collections automation through configurable workflows and task management. Payability provides no collections capabilities since the platform does not manage business-to-business invoicing relationships.
Intelligent Escalation
Resolve Pay's tier-based collection sequences group accounts by factors including balance size, customer history, and response patterns. Escalation paths intelligently progress from automated email reminders to SMS notifications, voice AI outbound calls, and human team escalation for strategic accounts. This ensures appropriate urgency without damaging valuable customer relationships.
Optimizing Cash Flow Management
The ultimate goal of any payment and AR solution is improved cash flow that enables business growth.
Improving Working Capital
Resolve Pay's combination of fast credit decisions and rapid funding on eligible approved invoices transforms the cash conversion cycle. Instead of waiting 30-90 days for customer payments, suppliers receive working capital within days of invoicing. This acceleration enables larger inventory purchases, faster supplier payments, expanded hiring without cash constraints, and new market entry.
Payability provides similar working capital benefits for ecommerce sellers through next-day marketplace payouts. Gaviti helps reduce DSO through more effective collections but cannot accelerate cash flow beyond actual customer payment timing.
Reducing Days Sales Outstanding
DSO measures the average time to collect payment after invoicing. Lower DSO means faster cash conversion and improved working capital efficiency. Resolve Pay combines AR automation with advance payments on eligible approved invoices to help sellers improve cash-flow timing and receivables operations. Resolve Pay states that many teams see DSO improve after implementation, while Advance Pay can move seller cash receipt to roughly one business day even when buyers continue paying on extended net terms.
Gaviti focuses heavily on DSO reduction through collections optimization, with teams reporting meaningful improvements through workflow automation and payment portal adoption.
Funding Beyond Traditional Loans
B2B suppliers seeking working capital have multiple options beyond traditional bank loans.
Alternative Funding Structures
Resolve Pay's net terms financing is structured around eligible B2B invoices rather than a conventional revolving business loan:
- Funding is tied to eligible approved invoices
- Non-recourse protection applies to covered transactions
- Resolve Pay's seller-side financing is not structured as a traditional loan
- Accounting treatment depends on the specific arrangement and applicable accounting standards
This approach provides working capital benefits with a different structure than traditional debt financing. Payability offers working capital advances for ecommerce sellers based on sales history. Gaviti does not provide any financing or cash advance capabilities.
Eligibility and Application
Resolve Pay evaluates buyer creditworthiness rather than seller financials, making funding accessible to growing B2B suppliers. The AI credit engine assesses buyer payment capacity, historical payment behavior, industry risk factors, and transaction-specific elements. This buyer-focused underwriting enables suppliers to extend terms to creditworthy customers.
Integrations and Ecosystem: Connecting Your Business Operations
Technology platforms must connect seamlessly with existing business systems. Integration depth determines implementation complexity and ongoing operational efficiency.
Native Integrations
Resolve Pay provides native integrations with major platforms across categories:
- Ecommerce: Shopify, BigCommerce (2025 Innovative Integration Award winner), Magento 2, WooCommerce
- Accounting/ERP: QuickBooks Online, Oracle NetSuite, Sage Intacct, Xero
- Payments: BlueSnap (global payment processing)
These deep bi-directional integrations enable automatic invoice sync, payment reconciliation, and bookkeeping updates without manual data entry. Gaviti integrates with multiple ERPs including NetSuite, Sage Intacct, and QuickBooks, providing solid connectivity for AR automation workflows. Payability integrates primarily with Amazon Seller Central and other marketplace platforms, reflecting its ecommerce focus.
API Capabilities
Resolve Pay offers REST API access with webhooks and sandbox environments for custom integrations. This enables custom ERP connections, workflow automation, data synchronization, and third-party system integration.
E-commerce Gateways
Resolve Pay's embedded checkout enables B2B ecommerce stores to offer net terms at the point of sale. Buyers can apply for credit during checkout, receive instant approval decisions, and complete purchases on terms immediately. This capability transforms B2B ecommerce conversion rates by eliminating payment friction and enabling credit-based purchasing.
Funding and Operating Models
The three platforms use different operating models.
Resolve Pay combines buyer credit decisioning, eligible invoice advances, payments, reconciliation, and collections workflows for B2B sellers.
Payability structures its funding products around ecommerce marketplace sales and marketplace receivables.
Gaviti provides invoice-to-cash automation, including collections, cash application, credit management, payment workflows, and AR analytics.
How Resolve Pay Supports B2B Suppliers
The platforms address different financial workflows. Payability centers on ecommerce marketplace funding, while Gaviti centers on invoice-to-cash automation.
Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other suppliers that extend payment terms to business buyers. Its platform brings together:
- B2B net terms financing with non-recourse protection on eligible approved invoices
- AI-powered credit decisions for evaluating business buyers
- Accounts receivable automation for invoicing, reconciliation, and payment workflows
- ERP and ecommerce integrations that connect Resolve Pay with existing business systems
- Branded buyer payment workflows supporting multiple payment methods
- Agentic collections with voice AI for automated payment follow-up
- Payment reconciliation and AR visibility through a centralized B2B payments workflow
This integrated approach allows B2B sellers to manage more of the credit-to-cash workflow through one Resolve Pay platform. The combination of financing, credit decisioning, AR automation and reconciliation, and collections addresses the interconnected challenges of extending payment terms, maintaining cash flow, and managing buyer credit risk.
For manufacturers, distributors, and wholesalers looking to offer flexible net payment terms while improving their own cash conversion cycle, Resolve Pay consolidates functions that would otherwise require multiple systems or service providers. Its B2B payments platform connects credit assessment, invoice advancement, payments, reconciliation, and collections in an integrated solution built for B2B commerce.
Frequently Asked Questions
What Does Resolve Pay Do for B2B Sellers?
Resolve Pay combines net terms financing, buyer credit decisioning, accounts receivable automation, payments, and collections workflows. It is designed for B2B sellers such as manufacturers, distributors, and wholesalers that want to extend payment terms while improving cash-flow predictability.
How Does Resolve Pay's Non-Recourse Financing Work?
Resolve Pay can advance funds on eligible approved invoices while providing non-recourse protection for covered buyer defaults. Coverage remains subject to Resolve Pay's approval, agreement terms, and applicable exclusions such as fraud or invoice disputes.
How Quickly Can Resolve Pay Fund an Approved Invoice?
Resolve Pay can provide advance payment on eligible approved invoices within approximately one to two business days, with some workflows supporting funding within about 24 hours.
Which Systems Can Resolve Pay Integrate With?
Resolve Pay supports integrations across common ecommerce, ERP, and accounting platforms, including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, NetSuite, Sage Intacct, and Xero. Its integration options also include APIs for custom workflows.
How Does Resolve Pay Automate Accounts Receivable?
Resolve Pay automates parts of the receivables lifecycle including invoicing, payment reminders, reconciliation, buyer payment workflows, credit management, and collections. Its AR automation platform gives finance teams a centralized workflow for managing B2B receivables.
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.
