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.
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:
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 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.
AI Credit Engine and Net Terms:
AR Automation and Collections:
Integration Ecosystem:
Enterprise Compliance:
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 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.
Channel Focus:
Platform Limitations:
Payability holds a 4.6/5 Trustpilot rating with 473 reviews. User reviews frequently discuss access to funds and the overall account experience.
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 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.
AP and Procurement Automation:
System Integrations:
Settle offers multiple plans with capabilities that vary by plan. The platform holds SOC 2 Type II certification for security compliance.
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.
Understanding how each platform handles credit evaluation, financing, and workflow automation reveals their core operational differences.
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.
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.
Resolve Pay offers comprehensive AR automation including:
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.
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:
For manufacturers, distributors, wholesalers, and other B2B sellers managing invoice-based customer relationships, Resolve Pay provides a unified credit-to-cash platform focused on:
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.
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.
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.
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.
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.
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.