Sep 26, 2026
Selecting the right B2B payment and financing solution can fundamentally shape your cash flow, operational efficiency, and growth trajectory. While Payability focuses on ecommerce seller funding with accelerated access to marketplace sales proceeds and Kriya serves UK and European businesses with invoice finance, Resolve Pay delivers a comprehensive net terms platform combining non-recourse financing, AI-powered credit decisioning, and full accounts receivable automation for North American B2B suppliers, manufacturers, and distributors. Understanding these distinctions helps mid-market businesses select the approach that aligns with their operational model, geographic presence, and revenue objectives.
When B2B suppliers evaluate financing and payment solutions, the choice between marketplace payout acceleration, regional invoice finance, and comprehensive net terms platforms reflects fundamentally different business models. Three distinct approaches serve different market segments with varying capabilities. Payability operates as an ecommerce funding provider with a strong focus on marketplace sellers. Kriya functions as a UK-focused invoice finance provider with embedded payment capabilities. Resolve Pay takes a different approach, delivering an integrated platform that handles the complete credit-to-cash workflow for North American B2B businesses.
Key Takeaways
- Resolve Pay provides non-recourse cash advances on approved invoices, helping sellers reduce exposure to qualifying buyer defaults while Resolve manages credit assessment, credit decisions, and the majority risk of late payments or defaults
- Resolve Pay serves 15,000+ businesses with an integrated credit-to-cash platform combining credit decisioning, net terms financing, AR automation, and collections in one solution, eliminating the need for multiple point tools
- Payability focuses on ecommerce seller funding, with current offerings prominently serving Amazon and Walmart sellers through accelerated access to sales proceeds and working-capital products
- Kriya operates primarily in the UK and European markets with Stripe integration for B2B PayLater, making it unsuitable for US-focused businesses
- Resolve Pay uses AI-powered underwriting to deliver real-time credit decisions, with qualified ecommerce buyers potentially approved within seconds and other credit assessments generally completed within 24 business hours
- Resolve Pay customers report measurable outcomes including 5x revenue growth at SS&SI Dealer Network, 30% year-over-year growth at ConEquip, and 90% reduction in AR workload at Trenchless Supply
Understanding the B2B Financing Landscape: Different Models for Different Needs
The B2B payment and financing market encompasses distinct solution categories, each serving specific operational requirements and business types. Understanding these fundamental differences helps revenue and finance leaders select tools aligned with their growth stage, geographic focus, and customer base.
Marketplace payout solutions like Payability serve online sellers who operate through third-party platforms. These solutions accelerate the release of funds that marketplaces otherwise hold for extended periods. The value proposition centers on converting marketplace receivables into immediate cash flow. However, these systems serve a narrow use case and provide no capabilities for traditional B2B invoice management, credit assessment, or customer relationship preservation.
Regional invoice finance providers like Kriya offer working capital solutions tied to outstanding invoices within specific geographic markets. These providers typically serve small and medium businesses seeking to unlock cash from unpaid invoices. The model works well for businesses operating within supported regions but creates limitations for companies with cross-border ambitions or US-centric operations.
Comprehensive net terms platforms like Resolve Pay represent an integrated approach to B2B commerce financing. Rather than addressing single pain points, these platforms combine buyer credit assessment, invoice financing, AR automation that reduces manual work, credit protection that reduces bad debt risk, and payment flexibility that strengthens buyer relationships.
The fundamental distinction lies in scope and integration. Marketplace solutions solve a single problem for a specific seller type. Regional providers offer financing within geographic boundaries. Comprehensive platforms like Resolve Pay address the entire order-to-cash cycle for B2B businesses selling on credit terms.
Resolve Pay
Resolve Pay's Approach to B2B Net Terms and AR Automation
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30, 60, or 90 payment terms while receiving immediate cash and offloading credit risk. The platform was founded in 2018 as a spinout from Affirm, bringing consumer BNPL expertise to B2B commerce with funding exceeding $85 million from Insight Partners, Initialized Capital, and Affirm co-founder Max Levchin.
The core value proposition combines three elements that competitors typically offer separately or not at all:
Non-Recourse Invoice Financing
Resolve Pay provides non-recourse cash advances on approved invoices and takes on the credit assessment, credit decision, and the majority risk of late payments or defaults. Sellers receive advances of up to 90% of invoice value within one to two business days and retain those funds in eligible situations. This reduces seller exposure to qualifying buyer defaults while providing more predictable cash flow.
AI-Powered Credit Decisioning
The platform's credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Resolve Pay's AI-powered credit engine generates real-time, scalable credit decisions, while qualified ecommerce buyers can receive approvals within seconds and other credit assessments are generally completed within 24 business hours. This replaces manual trade reference calls and spreadsheet-based credit management with automated, consistent assessment.
Complete AR Automation
Beyond financing, Resolve Pay provides comprehensive accounts receivable automation including:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using ML to match invoices to cash automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health
- Multi-channel agentic collections with email, SMS, and voice AI
- Integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite, with documented accounting synchronization workflows for QuickBooks Online and NetSuite
The platform includes native ecommerce integrations for Shopify, BigCommerce, Magento, and WooCommerce, enabling embedded net terms checkout that maintains the seller's brand throughout the buyer journey.
Customer Results
Resolve Pay customers demonstrate measurable business outcomes from the platform:
- Archipelago Lighting achieved 3x revenue growth while reducing credit approval time from 10 days to 24 hours
- SS&SI Dealer Network reported 5x revenue growth after implementing net terms through the platform
- ConEquip delivered 30% year-over-year growth in the construction equipment sector
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- Nandansons achieved 75% growth through the agency partnership program
Resolve Pay's Primary Market
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. The platform works particularly well for:
- Companies extending Net 30, 60, or 90 terms to business buyers
- Distributors needing ERP integration with NetSuite, QuickBooks, or Sage
- Manufacturers seeking to reduce bad debt risk through non-recourse protection
- B2B ecommerce businesses wanting embedded checkout net terms
- Teams looking to reduce manual AR work without adding headcount
Payability
Payability's Focus on Ecommerce Sellers
Payability positions itself as a funding and cash-flow provider for ecommerce sellers, with current products prominently focused on Amazon and Walmart sellers. Founded in 2015 and based in New York City, Payability has provided billions in funding to ecommerce sellers seeking faster access to sales proceeds.
The platform addresses a specific pain point: marketplaces typically hold seller funds for extended periods before release. Payability accelerates this timeline through two primary products:
Instant Access
Sellers receive approximately 80% of their previous day's sales the following business day, with the remaining 20% released when the marketplace issues its standard payout. This improves cash flow predictability for inventory-heavy businesses waiting on marketplace payment cycles.
Instant Advance
Larger capital needs receive funding based on future marketplace receivables, providing lump-sum advances against projected earnings.
The approval model relies on sales history rather than traditional credit checks, making funding accessible to sellers who might not qualify for conventional financing. The platform connects directly to marketplace accounts to verify performance data.
Payability's Product Scope
Payability focuses on funding and cash-flow tools for ecommerce sellers, particularly marketplace businesses. Its products include accelerated access to marketplace earnings and advances based on ecommerce sales performance. The platform connects with ecommerce selling accounts to evaluate sales performance and provide funding. It also offers embedded funding solutions for marketplaces, ecommerce platforms, software companies, fintech companies, and other partners.
The 2% cashback card provides additional value for sellers making business purchases, but this benefit applies only to the spending side rather than the receivables and AR challenges that B2B suppliers typically face.
Payability's Primary Market
Payability focuses on ecommerce sellers seeking funding based on marketplace and online sales activity. Payability is primarily positioned around ecommerce seller cash flow and accelerated access to sales proceeds.
Kriya
Kriya's Position in UK and European Markets
Kriya, formerly known as MarketFinance, operates as an invoice finance provider focused primarily on UK and European businesses. Founded in 2011 and headquartered in London, the company was acquired by Allica Bank in October 2025 with a £1 billion (approximately $1.27 billion USD) deployment target over three years.
The platform offers multiple products for UK SMEs:
Invoice Finance
Businesses can unlock cash from outstanding invoices, receiving advances against verified receivables. The service includes selective invoice finance options that allow companies to choose which invoices to finance rather than committing their entire ledger.
Embedded PayLater
Kriya became Stripe's first B2B PayLater solution in the UK, enabling merchants using Stripe to offer 30, 60, or 90-day payment terms at checkout. This integration positions Kriya as an embedded finance option for UK businesses already using Stripe infrastructure.
Working Capital Loans
Beyond invoice-specific financing, Kriya provides broader working capital facilities for general business needs.
The platform maintains 4.3 out of 5 stars on TrustPilot from 583 reviews, indicating general customer satisfaction within its UK market focus.
Kriya's Product Scope
Kriya provides invoice finance, working capital products, and embedded B2B PayLater capabilities. Its current offering is centered on UK businesses, while its invoice-finance program can also support eligible export invoices and multiple currencies. Kriya offers collections support and accounting software connections, along with the Stripe integration for embedded PayLater.
Kriya's Primary Market
Kriya focuses on SME working capital, invoice finance, and embedded B2B PayLater. Its invoice-finance offering supports eligible international invoices and multiple currencies, while its Stripe PayLater offering was launched for UK B2B merchants.
Comparing Core Capabilities: Non-Recourse Protection, Automation, and Integration
The three platforms diverge significantly across capabilities that matter most to B2B suppliers managing credit risk, operational efficiency, and technology infrastructure.
Credit Risk Protection Across Platforms
Resolve Pay provides non-recourse cash advances on approved invoices. When Resolve Pay approves a buyer and advances funds against an invoice, the seller retains that advance in eligible situations. This reduces seller exposure to qualifying buyer defaults and removes a portion of the financial risk that traditional factoring arrangements place on sellers.
Payability operates without non-recourse protection. Sellers remain responsible for chargebacks, returns, and any adjustments that affect their marketplace accounts. The platform accelerates existing receivables but does not assume credit risk.
Kriya offers protection on approved transactions but does not provide the same non-recourse model structure. The level of risk assumption varies by product and arrangement.
For B2B suppliers extending significant credit to business buyers, Resolve Pay's non-recourse advance structure can reduce payment-default exposure on eligible approved invoices.
AR Automation and Workflow Efficiency
Resolve Pay delivers comprehensive AR automation including:
- Automated invoice generation from ERP data
- ML-powered payment matching and reconciliation
- Real-time dashboards for DSO and aging analysis
- Multi-channel collections with agentic AI
- Automatic bookkeeping sync to major accounting platforms
Customers report 90% reduction in manual AR work, allowing finance teams to focus on strategic activities rather than data entry and follow-up calls.
Payability provides no AR automation capabilities. The platform serves only the funding function for marketplace receivables, leaving all invoice management, collections, and reconciliation to other systems.
Kriya includes collections support and offers accounting software connections but provides invoice finance rather than full workflow automation capabilities.
ERP and Ecommerce Integration Comparison
Resolve Pay maintains native integrations with:
- Accounting systems: QuickBooks Online, Xero, Sage Intacct
- ERP platforms: Oracle NetSuite with documented synchronization
- Ecommerce: Shopify, BigCommerce, WooCommerce, Magento
- Flexible API: REST API with webhooks for custom integrations
These integrations enable embedded net terms at checkout, automatic data synchronization, and streamlined workflows without manual data entry.
Payability connects with ecommerce selling accounts to evaluate sales performance and provide funding. It also offers embedded funding solutions for marketplaces, ecommerce platforms, software companies, fintech companies, and other partners. Payability's integration model centers on ecommerce sales data and platform partnerships.
Kriya offers accounting software connections and the Stripe integration for embedded PayLater, with API availability for custom implementations.
Funding Speed and Credit Decisioning
Resolve Pay uses AI-powered underwriting to generate real-time credit decisions. Qualified ecommerce buyers may receive approvals within seconds, while other credit assessments are generally completed within 24 business hours. Invoice advances arrive within one to two business days after approval.
Payability provides daily funding with approximately 80% of sales available the next business day. This represents fast cash access for marketplace sellers, though it applies only to platform earnings rather than traditional invoices.
Kriya offers 24-hour funding for invoice finance products, with real-time decisions available through the embedded PayLater integration.
Integration Ecosystem Comparison
Technical capabilities and platform connectivity determine how well each solution fits existing business systems.
Resolve Pay Integration Depth
Resolve Pay provides a broad integration ecosystem for B2B operations:
Native Accounting Connections
- QuickBooks Online with synchronization
- Xero integration for invoice and payment data
- Sage Intacct for mid-market accounting needs
ERP Integration
- Oracle NetSuite with bidirectional data flow
- Automatic payment reconciliation and posting
Ecommerce Platforms
- Shopify with embedded checkout extensions
- BigCommerce with native integration (2025 Innovative Integration Award winner)
- WooCommerce for WordPress-based B2B stores
- Magento 2 for enterprise ecommerce
Developer Tools
- REST API with comprehensive documentation
- Webhooks for real-time event notifications
- Sandbox environment for testing
White-Label Capabilities
- Branded payment portals maintaining seller identity
- Customizable buyer experience throughout the payment journey
Payability Integration Scope
Payability's integration model centers on ecommerce sales data and platform partnerships. Its current offerings prominently support Amazon and Walmart sellers, while Payability for Platforms enables funding products to be embedded within marketplaces, ecommerce platforms, software companies, and other partner environments.
Kriya Integration Capabilities
Kriya offers accounting software connections for UK systems, Stripe B2B PayLater integration for embedded checkout, and API availability for custom implementations.
For B2B businesses requiring ERP connectivity, multi-platform ecommerce support, and comprehensive accounting integration, Resolve Pay provides multiple native integration options alongside APIs and developer tools.
Customer Satisfaction and Support
Service quality and customer experience differentiate platforms beyond feature lists.
Resolve Pay Customer Satisfactionion
Resolve Pay maintains a 5.0 out of 5 rating on G2 from verified customer reviews, with consistent praise for:
- Responsive customer service
- Fast buyer approval processes
- Effective non-recourse protection implementation
- Smooth integration experiences
The platform also earned the 2025 BigCommerce Innovative Integration Award, recognizing technical excellence in ecommerce connectivity.
Payability Customer Experience
Payability's customer feedback commonly discusses its funding experience and access to ecommerce sales proceeds. Reviews highlight quick access to funds with straightforward daily payouts, a simple dashboard for tracking advances, and sales history-based approval without extensive credit documentation.
Kriya Customer Feedback
Kriya maintains 4.3 out of 5 stars on TrustPilot with 583 reviews. Kriya's customer feedback discusses its digital application, funding process, and customer support experience. Positive feedback emphasizes fast funding once approved, helpful customer support staff, and a simple digital application process.
Why Resolve Pay Fits B2B Suppliers
Resolve Pay brings net terms, AI-powered credit decisioning, non-recourse invoice advances, accounts receivable automation, collections, payments, and integrations into one B2B payments platform.
For manufacturers, distributors, wholesalers, and other B2B suppliers that currently manage trade credit through manual processes or disconnected tools, Resolve Pay can centralize the credit-to-cash workflow while helping reduce payment risk and accelerate access to cash.
The integrated approach Resolve Pay delivers also supports businesses selling through direct channels, field sales, and ecommerce:
- Credit decisioning: AI-powered underwriting delivers real-time buyer credit assessments
- Non-recourse advances: Reduce exposure to qualifying buyer defaults on approved invoices
- AR automation: Invoice generation, payment matching, reconciliation, and collections
- Native integrations: QuickBooks Online, NetSuite, Shopify, BigCommerce, and more
- Branded experience: White-label payment portals maintain seller identity throughout the buyer journey
According to research on B2B payment terms, extending credit remains a critical competitive tool for suppliers, yet managing that credit creates operational burden and financial risk. Resolve Pay addresses both challenges by automating the workflow while providing non-recourse protection.
Resolve Pay customer stories also document measurable operational and growth outcomes:
- 5x revenue growth at SS&SI Dealer Network
- 90% reduction in AR workload at Trenchless Supply
- 3x revenue growth at Archipelago Lighting
- 30% year-over-year growth at ConEquip
For B2B businesses evaluating net terms and financing solutions, Resolve Pay provides the complete platform infrastructure needed to offer competitive payment terms, protect cash flow, and scale operations without proportional increases in finance team headcount.
Frequently Asked Questions
What is the main difference between Resolve Pay, Payability, and Kriya?
Resolve Pay provides a comprehensive B2B net terms platform combining non-recourse financing, AR automation, and credit decisioning for US and Canadian manufacturers, distributors, and wholesalers. Payability focuses on ecommerce seller funding with accelerated access to marketplace sales proceeds. Kriya focuses on UK and European businesses with invoice finance and embedded PayLater through Stripe. Each platform serves different business models and geographic markets.
Does Resolve Pay protect my business if buyers do not pay?
Yes. Resolve Pay provides non-recourse cash advances on approved invoices and takes on the credit assessment, credit decision, and the majority risk of late payments or defaults. When Resolve Pay approves a buyer and advances funds against an invoice, you retain that advance in eligible situations. This helps reduce seller exposure to qualifying buyer defaults.
Can I use Resolve Pay if my business is not in the United States?
Resolve Pay serves businesses across North America, with its platform designed primarily for B2B manufacturers, distributors, wholesalers, and suppliers that offer or want to offer net terms. Businesses should confirm current eligibility and geographic availability directly with Resolve Pay for their specific use case.
How quickly can my business receive funding through Resolve Pay?
Resolve Pay's AI credit engine generates real-time credit decisions, with qualified ecommerce buyers potentially approved within seconds and other credit assessments generally completed within 24 business hours. Once approved, invoice advances arrive within one to two business days. The platform also provides ongoing automation that reduces DSO significantly for cash access.
Does Resolve Pay integrate with my existing accounting and ecommerce systems?
Resolve Pay provides integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP connectivity, with documented accounting synchronization workflows for QuickBooks Online and NetSuite. For ecommerce, the platform integrates with Shopify, BigCommerce, WooCommerce, and Magento. A REST API with webhooks supports custom integration requirements.
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.
