Sep 23, 2026
Selecting the right B2B payment solution can determine whether your business maintains healthy cash flow or struggles with unpaid invoices and manual collections. While Payability focuses on marketplace seller payout acceleration and Two provides European B2B BNPL capabilities, Resolve Pay delivers a complete net terms platform combining non-recourse financing on eligible approved invoices, AI-powered credit decisions, full accounts receivable automation, and automated collections in one integrated solution. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, risk tolerance, and growth objectives.
According to Federal Reserve data, cash flow management remains a top challenge for small and mid-market businesses, with payment terms directly impacting working capital availability. The right payment infrastructure can mean the difference between seizing growth opportunities and declining orders due to cash constraints.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce exposure to covered buyer-default risk
- Resolve Pay serves over 15,000 businesses with a complete platform combining credit decisioning, net terms financing, AR automation, and collections management in one system
- Resolve Pay currently holds a 5.0/5 G2 rating across 17 reviews, reflecting strong customer satisfaction with the integrated platform
- Resolve Pay offers native integrations with QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento for seamless workflows
- Resolve Pay automates invoicing, reconciliation, payment workflows, and collections, with customer Trenchless Supply reporting a 90% reduction in AR workload
- Resolve Pay can advance eligible approved invoices within 1-2 business days, supporting faster cash flow while buyers pay on agreed terms
Understanding the B2B Payment Landscape: Three Distinct Approaches
The B2B payment 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 growth stage and execution capacity.
Marketplace Payout Acceleration Platforms
Platforms like Payability serve e-commerce sellers who need faster access to funds held by Amazon, Walmart, or Shopify. These systems advance a portion of marketplace-held earnings before the standard 14-day payout cycle, with the value proposition centering on liquidity improvement for inventory purchases. However, these platforms serve a fundamentally different market than B2B invoice-based sellers and do not address accounts receivable management or credit risk workflows.
Regional B2B BNPL Providers
Providers like Two offer buy now pay later capabilities primarily for European markets. These platforms enable instant checkout-based credit decisions for B2B e-commerce transactions. While they provide upfront merchant payment, they typically focus on the checkout experience rather than comprehensive AR management that includes invoicing, reconciliation, and collections automation.
Complete B2B Net Terms Platforms
Solutions like Resolve Pay represent the most comprehensive approach for manufacturers, distributors, and wholesalers. Rather than addressing a single pain point, Resolve Pay's integrated platform handles the entire credit-to-cash workflow:
- Buyer credit assessment
- Net terms financing
- Invoice management
- Payment processing
- Collections automation
The system operates across online, offline, and field representative sales channels. The fundamental distinction lies in scope and execution: marketplace tools solve liquidity timing issues, regional BNPL providers enable checkout financing, and complete platforms like Resolve Pay execute entire AR functions with integrated automation.
How Non-Recourse Financing Changes the Risk Equation
The spectrum of credit risk management in B2B payments spans from full seller liability to qualified risk transfer, with profound implications for cash flow and financial planning.
Traditional Marketplace Payout Models
Payability's marketplace-payout model is structured differently from B2B invoice financing because advances are based on marketplace earnings rather than credit extended to individual B2B buyers. Funding is tied to marketplace earnings and settlement activity.
Non-Recourse Invoice Financing
Non-recourse financing models can transfer specified buyer non-payment risk to the financing provider when transactions meet the provider's eligibility and coverage requirements. Resolve Pay offers non-recourse advances on eligible approved invoices, helping sellers reduce exposure to covered buyer defaults while maintaining more predictable cash flow.
The risk transfer advantage compounds across multiple dimensions:
- Financial predictability: Sellers can forecast cash flow with greater confidence
- Sales enablement: Teams can offer competitive payment terms to grow accounts
- Operational simplicity: Finance teams spend less time monitoring certain payment risks
- Balance sheet protection: Reduced exposure to covered buyer-default losses on eligible financed invoices
Two also offers non-recourse protection including fraud and credit risk coverage for supported transactions. However, Two focuses primarily on embedded B2B credit, checkout, payment, and risk workflows, while Resolve Pay combines these payment-term capabilities with broader accounts receivable automation and collections workflows.
Resolve Pay
Resolve Pay's Approach to Complete B2B Payment Management
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers offering net payment terms. Rather than addressing isolated pain points, Resolve Pay handles the entire accounts receivable workflow from credit decisioning through payment collection.
The platform serves over 15,000 businesses with comprehensive capabilities:
Net Terms Financing
Sellers offer Net 30, 60, or 90 payment terms to business buyers. Resolve Pay can advance eligible approved invoices within 1-2 business days while assuming applicable covered buyer-credit risk. Buyers pay on their agreed terms while sellers receive faster access to working capital.
AI-Powered Credit Engine
The proprietary credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Resolve Pay supports instant AI-powered credit decisions in some workflows, while more complex buyer assessments may be completed within 24 business hours. Quiet credit checks mean buyers are not notified and experience no credit score impact.
AR Automation Platform
Features include:
- Automated invoice generation syncing from ERP and accounting systems
- Smart payment reconciliation using machine learning to match invoice-to-cash automatically
- Real-time dashboards showing DSO, aging, and portfolio health
- Significant reduction in manual AR work, freeing finance teams for strategic activities
In one customer case, Trenchless Supply reported a 90% reduction in AR workload.
Agentic Collections
Resolve Pay's agentic collections capability uses multi-channel automated sequences across email, SMS, and voice AI outbound calls. Intelligent escalation based on buyer response and payment history helps preserve customer relationships while maintaining payment velocity. The system pauses automatically when payments or disputes are received and logs all interactions to invoice records.
White-Label Payment Portal
A branded buyer dashboard shows all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check. Self-serve payment plans and dispute flagging reduce support burden while maintaining the seller's brand throughout the buyer journey.
Integration Ecosystem
Resolve Pay provides native integrations across the B2B technology stack:
E-commerce Platforms:
- Shopify
- BigCommerce (2025 Innovative Integration Award winner)
- WooCommerce
- Magento
Accounting and ERP Systems:
- QuickBooks Online
- Xero
- Sage Intacct
- Oracle NetSuite
Technical Capabilities:
- REST API with webhooks and sandbox for custom integrations
- Two-way sync for invoice and payment data
- SOC 2 Type II attested security controls
- Real-time decisioning engine
Most teams launch in under one week with native integrations, eliminating lengthy implementation timelines.
When Resolve Pay Fits Best
Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. Primary customers include:
- HVAC parts distributors
- Electrical and plumbing supplies companies
- Industrial equipment manufacturers
- Medical and pharmaceutical distributors
- Construction materials suppliers
The platform fits teams needing complete AR workflow automation, non-recourse credit risk protection on eligible approved invoices, native ERP and e-commerce integrations, or looking to offer competitive net terms without cash flow strain.
Payability
Payability's Primary Focus
Payability positions itself as a marketplace seller financing solution designed to accelerate payouts from platforms like Amazon, Walmart, Shopify, and Newegg. The platform has deployed over $5 billion since its 2014 founding.
The core offering, Instant Access, provides accelerated access to marketplace sales proceeds, typically advancing funds the next business day rather than waiting for standard 14-day payout cycles. This liquidity acceleration helps sellers fund inventory purchases and maintain operations.
Target Market and Functionality
Several characteristics define Payability's scope:
Target Market Differences: Payability serves marketplace sellers on Amazon, Walmart, Shopify, and similar platforms. This fundamentally differs from Resolve Pay's focus on B2B invoice-based sellers in manufacturing, distribution, and wholesale industries. The platforms address entirely different business models.
Funding Model: Payability accelerates access to marketplace earnings and uses reserves and subsequent marketplace payouts as part of that process. This structure is not directly comparable to Resolve Pay's non-recourse financing of eligible approved B2B invoices.
Functionality Scope: Payability focuses on accelerating marketplace seller payouts. Resolve Pay serves a different workflow by combining buyer credit assessment, net terms financing, invoicing, reconciliation, payment processing, and collections for B2B invoice sellers.
Geographic Coverage: Payability serves U.S. marketplace sellers, while Resolve Pay covers the U.S. and Canada for B2B invoice operations.
How Payability Differs From Resolve Pay
Payability and Resolve Pay address different cash-flow workflows:
- Marketplace sales: Payability focuses on marketplace earnings and payout acceleration
- B2B invoice sales: Resolve Pay supports approved net-term invoices and broader receivables workflows
- Credit workflow: Resolve Pay evaluates B2B buyers as part of its net terms process
- AR operations: Resolve Pay combines invoicing, reconciliation, payments, and collections within its platform
Payability currently has a 4.1/5 Trustpilot score across 475 reviews, reflecting customer experience with marketplace payout acceleration.
Two
Two's Role in B2B Payments
Two operates as a B2B BNPL provider with primary strength in European markets. Founded around 2020, the platform enables instant checkout-based credit decisions for B2B e-commerce transactions.
Geographic Focus and Approval Speed
Two maintains strong presence in Europe, the Nordics, and expanding U.S. operations. The platform offers multi-currency support and cross-border capabilities that suit international B2B commerce. Two's credit engine can return decisions in under two seconds for supported checkout transactions, enabling rapid e-commerce experiences.
Payment Terms and Risk Model
The platform supports Net 14-120 day terms and installment plans, providing flexibility for B2B purchases. Two offers non-recourse protection covering fraud and credit risk for supported transactions, similar to aspects of Resolve Pay's approach.
How Two Differs From Resolve Pay
Two and Resolve Pay both support B2B credit and payment-term workflows but emphasize different operating models:
AR Workflow: Two focuses heavily on embedded credit and payment experiences, while Resolve Pay combines net terms with invoicing, reconciliation, and collections automation.
Integration Approach: Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento, along with API-based workflows.
Geographic Focus: Two has a substantial European presence and also supports additional markets. Resolve Pay is positioned primarily around North American B2B sellers.
Customer Satisfaction: Two currently has a Trustpilot score of approximately 3.2/5 across 114 reviews. Review scores for all platforms can change over time.
Real-World Results: How Resolve Pay Delivers for B2B Sellers
The theoretical advantages of complete B2B payment platforms translate to measurable business outcomes across diverse manufacturers, distributors, and wholesalers. Customer results demonstrate the revenue growth, efficiency gains, and operational improvements that differentiate integrated solutions from point tools.
Revenue and Growth Impact
Resolve Pay customers have reported significant business expansion enabled by the platform's capabilities:
- SS&SI Dealer Network achieved 5x revenue growth through expanded net terms capabilities
- ConEquip reported 30% year-over-year growth in construction equipment sales
- Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to under 24 hours and offering significantly higher credit lines
- Nandansons achieved 75% growth through the Hammer Commerce agency partnership
- Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently
Operational Efficiency Improvements
Automation and integration deliver measurable time savings:
- Trenchless Supply reduced AR workload by 90% with credit approvals arriving in under 24 hours
- Elston Materials increased margins from 25% to 30%, a 5-point improvement
- RentAll Construction reported quicker receivables directly contributing to healthier cash flow management
- TrueCable experiences response times under 24 hours on credit approvals
- Marshall Wolf Automation streamlined B2B payments and scaled operations with the integrated platform
Cash Flow Transformation
The combination of faster funding, non-recourse protection on eligible approved advances, and automated AR workflows creates compounding benefits. According to Small Business Administration research, access to working capital remains a critical factor in business growth and resilience, particularly for B2B sellers in capital-intensive industries.
These results share common patterns: rapid implementation timelines, sustained performance improvements over quarters, and efficiency gains that compound as teams shift from reactive AR management to strategic growth activities.
When Resolve Pay Fits B2B Sellers
Resolve Pay is designed for B2B sellers that want to connect credit, net terms, accounts receivable, payments, and collections in one workflow.
It is particularly relevant when a business needs:
- B2B invoice-based sales with flexible net payment terms
- AR automation across invoicing, reminders, reconciliation, and collections
- Non-recourse advances on eligible approved invoices
- ERP and accounting integrations with systems such as QuickBooks Online, NetSuite, Xero, and Sage Intacct
- A branded buyer payment experience supporting multiple payment methods
- AI-powered credit assessment integrated with the broader credit-to-cash workflow
Payability and Two address different payment workflows, while Resolve Pay is positioned around the broader B2B credit-to-cash process for manufacturers, distributors, wholesalers, and other invoice-based sellers.
Switching to Resolve Pay
For businesses currently using marketplace payout tools or regional BNPL providers, transitioning to Resolve Pay's complete platform follows a straightforward path.
Migration from Payability
Since Payability and Resolve Pay serve fundamentally different business models, this transition typically involves implementing Resolve Pay alongside existing marketplace operations rather than direct replacement. Teams handling both B2B invoice sales and marketplace sales may use both platforms for their respective functions.
Transitioning From Another B2B Payment Platform
Implementation timing depends on the systems, data, and customization involved. Resolve Pay states that most teams using supported native integrations can launch in under one week, while custom API or complex migration requirements may take longer. ERP and accounting connections can then support ongoing invoice and payment synchronization.
Why B2B Sellers Choose Resolve Pay
Managing accounts receivable effectively requires integrated systems that handle credit assessment, invoicing, payment processing, and collections in one workflow. Fragmented point solutions create data silos, manual handoffs, and operational inefficiencies that slow cash conversion cycles.
Resolve Pay addresses this by combining net terms financing, credit decisioning, AR automation, payment workflows, and collections in one platform. The non-recourse structure on eligible approved invoices helps sellers extend competitive payment terms while reducing certain buyer-default risks. Native integrations with major ERP and e-commerce platforms eliminate implementation friction, with most teams launching in under one week.
For manufacturers, distributors, and wholesalers seeking to scale net terms programs, improve cash flow predictability, and reduce manual AR work, Resolve Pay provides the integrated infrastructure needed to execute growth strategies without cash flow constraints. The platform's customer results demonstrate measurable revenue expansion, efficiency gains, and operational improvements that compound over time as teams shift from reactive collections to strategic growth activities.
Frequently Asked Questions
What is the main difference between Resolve Pay and Payability?
Resolve Pay serves B2B invoice-based sellers in manufacturing, distribution, and wholesale industries, providing net terms financing, AR automation, and non-recourse advances on eligible approved invoices. Payability serves marketplace sellers on Amazon, Walmart, and Shopify, providing accelerated access to marketplace-held funds. The platforms address fundamentally different business models and cash-flow workflows.
Does Resolve Pay protect sellers from buyer defaults?
Yes. Resolve Pay provides non-recourse advances on eligible approved invoices. For covered buyer-default events, the non-recourse structure helps protect the seller's advance, subject to the applicable transaction terms and eligibility requirements. This differs from Payability's marketplace-payout structure, which is not directly comparable to B2B invoice financing.
How does Resolve Pay's approval speed work?
Resolve Pay supports instant AI-powered credit decisions in some workflows, while more complex buyer assessments may be completed within 24 business hours. The platform uses different underwriting and transaction workflows depending on buyer history, purchase size, and risk profile. Many B2B transactions involving established business customers align well with these timeframes.
Can Resolve Pay integrate with my existing accounting system?
Yes, Resolve Pay provides native bi-directional integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also integrates with Shopify, BigCommerce, WooCommerce, and Magento for e-commerce operations. Most teams implement these integrations and go live within one week using pre-built connectors.
What types of businesses benefit most from Resolve Pay?
Resolve Pay serves mid-market B2B sellers typically with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies companies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers needing complete AR workflow automation and non-recourse protection.
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.
