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.
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 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:
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 positions itself as a working capital solution designed specifically for ecommerce marketplace sellers. The platform provides:
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 operates as an AR automation platform focused on invoice-to-cash workflows without any financing component. The platform offers:
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.
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.
The distinction between non-recourse and recourse financing determines who bears the financial burden when buyers fail to pay.
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.
Manual AR processes drain resources, introduce errors, and delay cash collection. Each platform approaches automation differently based on their core business model.
Resolve Pay's AR automation platform eliminates manual invoice management through:
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.
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.
Resolve Pay provides real-time visibility into:
This integrated view connects receivables performance with Resolve Pay's credit, financing, payment, and collections workflows.
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.
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.
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.
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.
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.
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.
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.
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.
Effective collections balance payment recovery with customer relationship preservation.
Resolve Pay's agentic collections system executes intelligent follow-up sequences across multiple channels:
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.
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.
The ultimate goal of any payment and AR solution is improved cash flow that enables business growth.
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.
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.
B2B suppliers seeking working capital have multiple options beyond traditional bank loans.
Resolve Pay's net terms financing is structured around eligible B2B invoices rather than a conventional revolving business loan:
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.
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.
Technology platforms must connect seamlessly with existing business systems. Integration depth determines implementation complexity and ongoing operational efficiency.
Resolve Pay provides native integrations with major platforms across categories:
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.