Resolve Pay vs Payability vs Settle

Selecting the right B2B financial platform depends on understanding which part of your payment cycle needs optimization. While Payability accelerates marketplace payouts for Amazon and Walmart sellers, and Settle streamlines procurement and accounts payable workflows, Resolve Pay delivers comprehensive accounts receivable automation with non-recourse net terms financing for B2B manufacturers, distributors, and wholesalers. Understanding these differences clarifies how Resolve Pay's accounts receivable, credit, net terms, and collections capabilities address the needs of B2B suppliers.

According to the Federal Reserve's 2023 Small Business Credit Survey, 54% of employer firms reported uneven cash flow as a financial challenge. For B2B companies managing invoice-based customer relationships, accounts receivable automation and net terms financing directly address this challenge by accelerating cash conversion while supporting competitive payment terms.

Key Takeaways

• Resolve Pay serves B2B suppliers collecting from customers through accounts receivable workflows, while Payability primarily addresses marketplace payout timing and Settle primarily centers on procurement and accounts payable
• Resolve Pay provides non-recourse financing on approved invoices, meaning sellers keep their advance even if buyers default, eliminating bad debt risk on approved transactions
• With 15,000+ businesses on its platform and a 5.0/5 G2 rating, Resolve Pay demonstrates strong market adoption and customer satisfaction for B2B AR automation
• Resolve Pay's AI-powered credit engine delivers buyer credit decisions in under 24 hours, enabling faster sales cycles without manual underwriting
• The platform reduces manual AR workload by up to 90% and cuts DSO by 50-60% on average through integrated automation
• Resolve Pay integrates with Shopify, BigCommerce, WooCommerce, Magento, QuickBooks, NetSuite, Xero, and Sage Intacct, offering comprehensive ecommerce and ERP coverage

Understanding AR, Marketplace Payout, and AP Solutions

The B2B financial technology market includes three distinct solution categories addressing different operational challenges. Recognizing these fundamental differences helps businesses identify which platform addresses their specific needs.

Accounts Receivable Solutions like Resolve Pay help B2B suppliers get paid faster by their business customers. These platforms offer net terms financing, credit decisioning, invoice automation, and collections management. The core value proposition centers on accelerating cash flow while extending competitive payment terms to buyers without absorbing credit risk.

Marketplace Payout Acceleration platforms like Payability serve sellers on supported marketplaces such as Amazon, Walmart, and Newegg who need faster access to their earnings. Rather than waiting for standard marketplace payout cycles, sellers can access funds more quickly. These tools address cash flow timing gaps specific to marketplace selling models.

Accounts Payable Automation platforms like Settle help brands manage their supplier payments and procurement workflows. These solutions focus on vendor payment management, purchase order tracking, and back-office operations. The value proposition centers on operational efficiency when paying suppliers.

The critical distinction lies in payment direction:

• Resolve Pay: Collecting money FROM customers (AR)
• Payability: Accelerating money FROM marketplaces
• Settle: Paying money TO suppliers (AP)

For B2B manufacturers, distributors, and wholesalers that extend invoice-based payment terms to business customers, Resolve Pay addresses the credit-to-cash workflow through credit decisioning, net terms, invoice advances, AR automation, and collections.

Resolve Pay

Comprehensive B2B Accounts Receivable Platform

Resolve Pay operates as a unified B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving immediate cash and eliminating credit risk on approved transactions. The platform combines credit decisioning, net terms financing, AR automation, and collections into a single solution.

The non-recourse financing model distinguishes Resolve Pay from traditional factoring. When buyers receive approval through Resolve Pay's credit engine, sellers can advance up to 90% of invoice value within 1-2 business days. If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than seeking recourse from the seller, eliminating bad debt risk on approved invoices.

Core Platform Capabilities

AI Credit Engine and Net Terms:

• Proprietary technology evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals
• Credit decisions arrive in under 24 hours, with some purchases receiving instant approvals
• Sellers offer Net 30, 60, or 90 terms while receiving same-day to next-day advances
• Non-recourse protection on all approved transactions

AR Automation and Collections:

• Automated invoice generation, payment matching, reconciliation, and bookkeeping sync reduce manual workload by up to 90%
• Agentic Collections with multi-channel automated sequences across email, SMS, and voice AI
• Smart payment reconciliation using machine learning for accurate matching
• Real-time AR dashboard showing DSO, aging, and portfolio health

Integration Ecosystem:

• Ecommerce platforms: Shopify, BigCommerce, WooCommerce, Magento
• Accounting/ERP systems: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Two-way sync for invoice and payment data
• Payment methods: ACH, wire, credit card, check

Enterprise Compliance:

• SOC 2 Type II certification for security standards
• Supports deployments at regulated organizations

Market Performance

Resolve Pay maintains a 5.0/5 rating on G2 based on customer reviews, with 15,000+ businesses actively using the platform. Customer results include significant AR workload reduction, faster credit approvals, and measurable revenue growth attributed to net terms expansion.

Payability

Marketplace Payout Acceleration Service

Payability positions itself as a marketplace payout acceleration service for sellers on supported marketplaces including Amazon, Walmart, and Newegg. The platform has made more than $6 billion in daily payments to sellers since 2015 and funded more than 10,000 Amazon sellers.

The core offering provides same-day or next-day access to approximately 80% of previous day's marketplace sales, compared to standard marketplace payout cycles. Sellers receive funds through daily advances or a Payability Visa debit card with automatic daily loading.

Key Characteristics

Channel Focus:

• Amazon, Walmart, and Newegg marketplace sellers
• Approval based on marketplace sales history rather than traditional credit checks
• Same-day to next-day access to marketplace earnings

Platform Limitations:

• Does not support B2B invoice-based sales or net terms
• No buyer credit evaluation (marketplace earnings model)
• No AR automation, invoicing, or collections capabilities
• Limited to specific supported marketplaces

Payability holds a 4.6/5 Trustpilot rating with 473 reviews. User reviews frequently discuss access to funds and the overall account experience.

Payability's Marketplace Payout Model

Payability is primarily designed around marketplace payout acceleration. Its model is based on seller marketplace performance and provides eligible sellers with earlier access to marketplace earnings. This differs from Resolve Pay's focus on B2B buyer credit, net terms, accounts receivable, and collections.

Settle

Procurement and AP Automation Platform

Settle operates as an accounts payable automation platform built primarily for CPG brands and ecommerce businesses. The platform focuses on streamlining procurement, purchase orders, and vendor payment workflows rather than customer receivables.

The target market includes Food & Beverage, Health & Beauty, and Supplements brands managing complex vendor relationships. Settle offers procurement management, purchase order creation, automated 3-way matching, and landed cost tracking per SKU.

Core Capabilities

AP and Procurement Automation:

• Streamlined bill approval, vendor payments, and reconciliation
• Unlimited purchase order creation and tracking
• Automated reconciliation of purchase orders, invoices, and receipts
• Real-time per-SKU cost visibility including freight, duties, and shipping

System Integrations:

• QuickBooks Online, NetSuite, and Finaloop connections
• Native procurement and inventory management tools
• Multiple payment methods including ACH, Fast ACH, Wire, and Check

Settle offers multiple plans with capabilities that vary by plan. The platform holds SOC 2 Type II certification for security compliance.

Settle's Procurement and AP Focus

Settle is primarily positioned around procurement, vendor payments, purchase orders, and related back-office workflows. The platform is primarily centered on procurement and accounts payable, while current plans also include selected accounts receivable functions. Resolve Pay addresses the customer-facing receivables workflow through credit decisioning, net terms, invoice advances, payment management, and collections.

Credit, Financing, and Automation Comparison

Understanding how each platform handles credit evaluation, financing, and workflow automation reveals their core operational differences.

Credit Decisioning Approaches

Resolve Pay provides AI-powered buyer credit assessment with decisions in under 24 hours. The proprietary credit engine evaluates thousands of data points including cash flow trends, payment history, and behavioral signals to approve business buyers for Net 30, 60, or 90 terms. This enables B2B sellers to extend competitive payment terms while maintaining cash flow through non-recourse advances.

Payability does not evaluate buyer credit. The platform's approval model is based on the seller's marketplace performance history rather than assessing individual buyer creditworthiness. This fundamental difference reflects Payability's marketplace earnings acceleration model rather than invoice-based net terms financing.

Settle uses a procurement and AP-focused operating model rather than buyer credit decisioning for B2B net terms. The platform offers working capital for qualified businesses subject to approval, but its core workflow centers on vendor payments and procurement rather than customer credit evaluation.

Financing and Cash Flow Models

Resolve Pay offers non-recourse financing on approved invoices, advancing up to 90% of invoice value within 1-2 business days. The non-recourse structure means sellers keep their advance even if approved buyers default, eliminating bad debt risk. This model specifically addresses the cash flow gap created when B2B sellers offer 30-90 day payment terms to customers.

Payability advances approximately 80% of previous day's marketplace sales with same-day funding speed. The model addresses marketplace payout timing rather than invoice-based net terms. Qualification is based on seller's marketplace performance rather than traditional credit evaluation.

Settle provides working capital for approved customers but focuses primarily on vendor payment timing and procurement workflows rather than customer financing. According to the FDIC Small Business Lending Survey, business lines of credit are commonly used for liquidity needs such as working capital, inventory, and funding accounts receivable.

Automation and Collections

Resolve Pay offers comprehensive AR automation including:

• Automated invoice generation synced from ERP systems
• Agentic Collections with email, SMS, and voice AI sequences
• Smart payment reconciliation using ML matching
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Reduces manual AR workload by up to 90%

Payability does not provide AR automation, invoicing, collections, or payment tracking capabilities. The platform focuses exclusively on marketplace payout acceleration rather than invoice-based accounts receivable workflows.

Settle is primarily focused on procurement and AP. Vendor payment and procurement workflows form the core of the platform. Current plans also include selected AR functions such as creating invoices and managing customers, though its overall workflow differs from Resolve Pay's B2B credit-to-cash focus.

Why Resolve Pay Fits B2B Accounts Receivable

Resolve Pay is built for B2B suppliers that want to offer business buyers flexible payment terms while improving cash-flow predictability and reducing manual accounts receivable work. B2B sellers commonly use invoice-based payment terms to give business customers additional time to pay, creating a need for efficient credit, receivables, and collections workflows.

The platform combines buyer credit decisioning, net terms, non-recourse invoice advances on approved transactions, invoicing, payment workflows, reconciliation, and collections. Resolve Pay also connects with ecommerce and back-office systems so these workflows can operate within the seller's existing technology stack:

• Ecommerce integrations: Shopify, BigCommerce, WooCommerce, Magento enable net terms at checkout
• Accounting/ERP sync: QuickBooks Online, Xero, Sage Intacct, NetSuite for connected financial workflows
• Payment flexibility: ACH, wire, credit card, check processing
• API availability: Custom integration options for unique workflows

For manufacturers, distributors, wholesalers, and other B2B sellers managing invoice-based customer relationships, Resolve Pay provides a unified credit-to-cash platform focused on:

• Accelerating cash flow while offering competitive net terms
• Eliminating bad debt risk through non-recourse protection
• Reducing receivables administration through accounts receivable automation
• Supporting scalable net terms programs without manual credit analysis

This comprehensive approach addresses the full accounts receivable lifecycle from buyer approval through cash application, distinguishing Resolve Pay from marketplace payout services and accounts payable automation tools that serve different financial workflows.

Frequently Asked Questions

What Accounts Receivable Workflows Does Resolve Pay Support?

Resolve Pay supports the B2B credit-to-cash lifecycle through buyer credit decisioning, net terms, invoicing, payment workflows, reconciliation, and collections. Sellers can also use non-recourse invoice advances on approved transactions to improve cash-flow timing while their buyers retain agreed payment terms. The platform integrates with major ecommerce and ERP systems to automate these workflows within existing technology stacks.

How Does Resolve Pay's Non-Recourse Financing Work?

Non-recourse financing means Resolve Pay absorbs the loss if an approved buyer fails to pay. Sellers keep their advance even when approved buyers default, eliminating bad debt risk on approved transactions. This differs from traditional factoring arrangements where sellers must repay advances on unpaid invoices. Resolve Pay advances up to 90% of invoice value within 1-2 business days.

Can Resolve Pay Support B2B Sales Across Multiple Channels?

Yes. Resolve Pay is designed for B2B sellers operating through ecommerce, offline sales, field sales, or blended channels. Its ecommerce integrations and APIs can embed net terms into supported purchasing workflows while keeping invoice and payment activity connected to Resolve Pay. The platform supports Shopify, BigCommerce, Magento, and WooCommerce for online channels.

How Quickly Does Resolve Pay Approve Buyers for Net Terms?

Resolve Pay's AI-powered credit engine delivers buyer credit decisions in under 24 hours, with some purchases receiving instant approvals. The engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. This enables faster sales cycles compared to manual underwriting processes that can take days or weeks.

Does Resolve Pay Integrate With My Existing Accounting Software?

Resolve Pay supports integrations with major ecommerce, ERP, and accounting systems. Current integrations include Shopify, BigCommerce, Magento, WooCommerce for ecommerce, plus QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP. Two-way sync enables automatic invoice generation and payment reconciliation. APIs and SDKs are also available for custom workflows.

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.