Selecting the right B2B payment platform can determine whether your business scales efficiently or struggles with cash flow constraints and manual AR processes. While Paystand focuses on digital B2B payments and AR workflows and Billie specializes in B2B checkout financing, Resolve Pay delivers comprehensive net terms financing with non-recourse protection, AI-powered credit decisions, and complete AR automation for North American manufacturers and distributors. Understanding these fundamental differences helps mid-market B2B sellers select the approach that aligns with their cash flow goals, credit risk tolerance, and operational requirements.
B2B sellers evaluating payment and financing solutions face a critical choice between payment processing platforms, checkout financing tools, and comprehensive credit-to-cash solutions. Three distinct approaches represent fundamentally different philosophies toward B2B commerce. Paystand operates as a digital payment network with ERP-centric automation and bank-to-bank payment capabilities. Billie functions as a B2B BNPL provider optimizing buyer checkout experiences primarily in European markets. Resolve Pay takes a different approach, delivering integrated net terms financing, credit intelligence, and AR automation that addresses the complete supplier cash flow challenge for North American B2B businesses.
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 cash flow requirements and risk tolerance.
Payment processing platforms like Paystand serve as transaction infrastructure for businesses accepting B2B payments. These platforms provide payment acceptance capabilities, workflow automation, and analytics dashboards that help finance teams manage incoming funds. The platform focuses on digitizing B2B payments and streamlining payment workflows. However, these systems primarily address payment acceptance rather than the broader challenge of extending credit to buyers and managing the resulting cash flow gap.
B2B BNPL solutions like Billie represent a checkout-focused approach, providing payment flexibility for buyers at the point of sale. These tools optimize conversion rates by offering deferred payment options during the purchasing process. The platform works well for merchants selling to business buyers in supported European markets. However, BNPL solutions typically focus on the checkout moment rather than the complete receivables lifecycle.
Integrated net terms financing platforms like Resolve Pay represent a comprehensive approach to B2B credit and cash flow management. Rather than addressing one piece of the puzzle, Resolve Pay's platform combines credit decisioning, non-recourse financing, AR automation, and collections in a single solution. Sellers can offer competitive net terms while receiving upfront payment and reducing their exposure to buyer default risk on eligible approved invoices.
The fundamental distinction lies in scope: payment platforms optimize transaction acceptance and workflows, BNPL tools improve checkout conversion, and Resolve Pay addresses the entire credit-to-cash challenge that B2B suppliers face.
The spectrum of B2B payment solutions spans from basic payment acceptance to comprehensive credit and financing platforms, with significant implications for cash flow and risk management.
Transaction-focused platforms operate within a payment acceptance model, helping businesses receive funds efficiently but leaving credit decisions and financing to sellers. These systems process payments well but require sellers to either demand immediate payment, losing competitive advantage, or extend credit using their own balance sheet, creating cash flow strain and default risk.
Checkout financing solutions improve the buyer experience by offering payment flexibility at purchase. However, these tools primarily serve the checkout moment rather than addressing the 30-90 day gap between invoice creation and payment receipt. Sellers may still face cash flow constraints waiting for buyer payments, even when those payments are guaranteed.
Comprehensive net terms platforms like Resolve Pay address the complete workflow:
This approach helps sellers offer competitive payment terms while improving cash-flow predictability and reducing exposure to buyer default risk.
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. The platform spun out of Affirm and was built by former executives from Affirm, Amazon, and PayPal with deep expertise in consumer BNPL adapted for B2B commerce.
The platform serves over 15,000 businesses across manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers.
Net Terms Financing (Advance Pay)
Resolve Pay's net terms financing allows sellers to offer Net 30, 60, or 90 terms to approved buyers. The platform provides upfront funding on eligible approved invoices. Resolve Pay provides non-recourse advances on eligible approved invoices, helping protect sellers when covered buyers do not pay.
AI Credit Engine
The proprietary credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Real-time credit decisions arrive in under 24 hours, with instant approvals available for smaller purchases. Dynamic credit lines adjust based on payment history, and quiet credit checks protect buyer relationships without impacting credit scores.
AR Automation Platform
Resolve Pay's accounts receivable automation eliminates manual invoice management through:
Agentic Collections
The agentic collections capability automates multi-channel follow-up sequences across email, SMS, and voice AI outbound calls. Intelligent escalation based on buyer response and payment history preserves customer relationships with professional, friendly communication rather than aggressive tactics.
B2B Payment Portal
A white-labeled buyer dashboard displays all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging.
Resolve Pay customers report significant business impact:
Resolve Pay supports native integrations across Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite, helping businesses connect net terms, payments, and receivables workflows with their existing systems.
Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, who need:
Paystand positions itself as a digital payment network with B2B payment and receivables capabilities. Founded in 2013, the platform has connected businesses across multiple industries and processed significant payment volumes according to company reports.
The platform's approach centers on digitizing B2B payments and streamlining payment workflows through its bank-to-bank payment infrastructure and ERP-centric integrations.
Bank-to-Bank Payment Network
Paystand's blockchain-enabled infrastructure supports digital bank-to-bank payments and connects payment activity with finance workflows.
AR Workflow Automation
The platform provides sequencing capabilities for payment reminders, task management for finance teams, and analytics dashboards for visibility into receivables. Paystand has added AI-powered features including automated dunning sequences and engagement scoring.
ERP Integrations
Paystand offers integrations with NetSuite, Sage Intacct, Microsoft Dynamics 365, QuickBooks, and Acumatica. The platform has earned recognition for particularly deep NetSuite integration capabilities, including autopay functionality.
Paystand centers on digital B2B payments, receivables automation, ERP connectivity, and its bank-to-bank payment network. Its Early Pay offering is powered by financing partner Lendica. Resolve Pay takes a supplier-focused approach that connects net terms, credit decisioning, non-recourse advances on eligible approved invoices, invoicing, reconciliation, and collections within the broader credit-to-cash workflow.
Billie positions itself as a B2B Buy Now, Pay Later solution serving merchants and their business buyers. Founded in 2016 and headquartered in Berlin, the platform has grown to serve business customers across Europe.
The platform focuses specifically on optimizing the B2B checkout experience, providing payment flexibility for buyers while offering fraud and default protection for merchants in supported markets.
Billie focuses primarily on supported European buyer markets. Through integrations such as Adyen and other partners, merchants in multiple regions can offer Billie to eligible business buyers in supported European countries.
Checkout Integration
Billie supports multiple integration paths, including direct API and SDK integration, ecommerce plugins for platforms such as WooCommerce, Shopware, and JTL, and partner integrations with Stripe, Adyen, Klarna, and Mollie.
Buyer Payment Options
The platform provides invoice and installment payment options at checkout, allowing business buyers to defer payment. This approach improves checkout conversion rates by offering payment flexibility.
Risk Coverage
Billie provides merchants with fraud and payment-default protection for eligible Billie transactions, while buyers receive flexible payment terms.
Billie focuses on B2B payment terms and checkout experiences for supported European buyer markets. It provides merchant payouts, buyer assessment, fraud and default protection, payment reminders, and several integration options including direct APIs, ecommerce plugins, and PSP partnerships. Resolve Pay is designed around the broader supplier credit-to-cash workflow, combining net terms, credit management, AR automation, reconciliation, payments, and collections for North American B2B sellers.
Net terms financing represents a significant differentiator among these three platforms, with fundamentally different approaches to credit risk and cash flow management.
Resolve Pay: Non-Recourse Financing
Resolve Pay's non-recourse financing model helps protect sellers from buyer default risk on eligible approved invoices, subject to applicable terms. When a seller offers Net 30, 60, or 90 terms through Resolve Pay:
This model helps reduce bad-debt exposure on eligible approved invoices while accelerating cash flow.
Paystand: Payment Focus
Paystand centers on digital B2B payments, receivables automation, and ERP integration. The platform's Early Pay functionality connects to financing partner Lendica. Sellers using Paystand for payment acceptance while offering net terms through other means manage credit risk through their chosen financing arrangements.
Billie: B2B Payment Terms
Billie provides flexible payment terms for business buyers while eligible merchants receive payment upfront and benefit from fraud and default protection. Its model remains centered on B2B payment terms and checkout experiences, while Resolve Pay combines net terms with broader supplier-focused credit and AR workflows.
Cash Flow and Risk Comparison
|
Platform |
Cash Flow Timing |
Credit Risk Management |
|---|---|---|
|
Resolve Pay |
Fast upfront funding on eligible invoices |
Non-recourse protection, reduced exposure on covered approved invoices |
|
Paystand |
Varies by arrangement |
Managed through seller's chosen approach |
|
Billie |
Upfront merchant payout on eligible transactions |
Billie provides default protection, covered by Billie on eligible transactions |
AR automation capabilities vary significantly across these platforms, from comprehensive invoice-to-cash workflows to payment-focused functionality.
Resolve Pay: Full AR Lifecycle Automation
Resolve Pay's AR automation platform addresses the complete receivables workflow:
Customer results demonstrate the impact: Trenchless Supply reduced AR workload by 90% after implementing Resolve Pay's automation.
Paystand: Payment-Focused Automation
Paystand provides AR automation focused on payment acceptance and processing workflows. The platform offers payment reminder sequences, task management for finance teams, and analytics dashboards. Paystand has added AI-powered features for dunning automation and engagement scoring. The platform's automation centers on payment collection and finance team workflows.
Billie: B2B Payment-Term Automation
Billie centers on B2B payment terms and checkout while also handling functions such as buyer assessment, payment reminders, default protection, and post-purchase support. Resolve Pay combines these types of payment workflows with broader invoicing, reconciliation, credit management, and agentic collections capabilities.
Credit decisioning and risk management represent critical differentiators for B2B sellers extending payment terms to buyers.
Resolve Pay: AI-Powered Credit Engine
Resolve Pay's proprietary credit engine delivers comprehensive buyer evaluation:
This capability replaces manual trade reference calls and spreadsheet tracking that traditionally consumed significant AR team time.
Paystand: ERP-Centric Approach
Paystand focuses on payment processing and receivables workflows rather than credit decisioning. Sellers using Paystand conduct credit analysis separately or rely on external data sources to evaluate buyer risk before extending payment terms.
Billie: Checkout-Time Assessment
Billie performs buyer assessment at checkout to approve or decline payment terms. The platform evaluates buyers for fraud and creditworthiness at the purchase moment as part of its B2B payment-term offering.
Integration capabilities determine how smoothly B2B payment platforms fit into existing technology stacks.
Resolve Pay: Native B2B Ecommerce and ERP Integration
Resolve Pay offers native integrations spanning:
Implementation typically completes in under one week with most teams launching quickly.
Paystand: ERP-Centric Integration
Paystand provides integrations with NetSuite, Sage Intacct, Microsoft Dynamics 365, QuickBooks, and Acumatica. The platform has earned recognition for particularly deep NetSuite integration with autopay functionality. Implementation timelines vary based on deployment complexity.
Billie: Multiple Integration Models
Billie supports direct API and SDK integration, ecommerce plugins for platforms such as WooCommerce, Shopware, and JTL, and partner integrations with Stripe, Adyen, Klarna, and Mollie.
For manufacturers, distributors, and wholesalers seeking to offer competitive net terms while managing cash flow and credit risk, Resolve Pay connects the full workflow from credit decisions through payment collection.
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to offer payment terms while improving cash-flow predictability and reducing receivables administration.
Its platform brings together:
This connected approach is especially relevant for B2B suppliers that want to manage credit, payments, financing, and receivables through one supplier-focused workflow.
Resolve Pay maintains a 5.0/5 G2 rating with 100% five-star reviews, reflecting exceptional customer experience. The platform serves over 15,000 businesses including established distributors like ConEquip, Trenchless Supply, and Archipelago Lighting.
For B2B suppliers who recognize that offering net terms should not mean choosing between competitive advantage and healthy cash flow, Resolve Pay brings credit, financing, payments, and AR workflows into a connected supplier-focused workflow.
Resolve Pay brings credit decisions, net terms financing, payments, and AR automation into a connected supplier-focused workflow. Paystand operates as a digital B2B payment platform focused on payment acceptance and finance automation. Resolve Pay addresses the complete credit-to-cash workflow including credit evaluation, non-recourse protection on eligible invoices, and multi-channel collections.
Resolve Pay is built for B2B sellers across North America that want to offer net terms while connecting credit decisions, payments, receivables, and collections. This supplier-focused approach makes Resolve Pay relevant for manufacturers, distributors, wholesalers, and other businesses that want to extend payment terms while improving cash-flow predictability.
Traditional invoice factoring typically involves recourse arrangements where sellers remain liable if buyers do not pay, along with aggressive collection tactics that can damage customer relationships. Resolve Pay's non-recourse structure helps transfer covered buyer default risk away from the seller on eligible approved invoices, subject to applicable terms. Additionally, Resolve Pay's agentic collections use professional, relationship-preserving communication.
Resolve Pay provides native integrations with Shopify, BigCommerce, Magento, and WooCommerce, enabling embedded "Pay with Net Terms" functionality at checkout with instant credit approval. The platform won the 2025 BigCommerce Innovative Integration Award. Paystand focuses primarily on ERP integrations, while Billie offers ecommerce plugins and API integrations.
Resolve Pay includes a proprietary AI credit engine that evaluates thousands of buyer data points and delivers decisions in under 24 hours, with quiet credit checks that do not impact buyer credit scores. The system analyzes cash flow trends, payment history, and behavioral signals to provide dynamic credit lines that adjust based on ongoing buyer performance.
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.