Resolve Pay vs Paystand vs Gaviti

B2B payments and accounts receivable software often get grouped together, but these platforms solve different parts of the same working-capital problem. Some companies need a way to offer net terms without waiting weeks or months to get paid. Others want to modernize payment acceptance, automate reconciliation, or tighten collections workflows across a growing invoice base. That is why comparisons like Resolve Pay vs Paystand vs Gaviti matter: the surface-level overlap is real, but the operational outcomes are not the same.

Resolve Pay is built for B2B sellers that want to extend terms, protect cash flow, and automate receivables in one system. Paystand is centered on digital B2B payments and ERP-connected automation. Gaviti focuses on invoice-to-cash workflows such as collections, credit management, disputes, and cash application. For finance teams evaluating these options, the useful question is not which platform has the longest feature list. It is which one best fits the way your company sells, gets paid, and manages customer risk. Businesses that rely on open account terms, repeat orders, and buyer credit programs usually need a platform that connects credit, payments, and receivables instead of handling each step in isolation. For many B2B merchants, manufacturers, wholesalers, and distributors, that is where Resolve Pay becomes especially relevant.

Key Takeaways

• Resolve Pay combines funding and automation: It brings together net terms, credit decisioning, payments, and receivables workflows in one platform for B2B sellers.
• The core use case is different across all three: Resolve Pay is strongest for sellers offering terms, while Paystand and Gaviti are more focused on payment and AR workflow modernization.
• Cash-flow timing is a major divider: Resolve Pay helps suppliers get paid faster on approved invoices instead of waiting through standard customer payment cycles.
• Collections depth matters for AR teams: Gaviti is structured around invoice-to-cash workflow control, including disputes, payer communications, and credit management.
• ERP and workflow fit should guide the decision: Paystand and Gaviti both emphasize automation, but Resolve Pay adds buyer-facing credit and payment flexibility to the comparison.
• Resolve Pay is the most complete fit for B2B sellers offering credit: It is the only option here that pairs receivables automation with embedded buyer terms and non-recourse protection on approved transactions.

Quick Overview

Resolve Pay

Resolve Pay is a B2B payments and net terms platform built for sellers that want to offer buyer credit without taking on the full operational burden themselves. It combines accounts receivable automation, credit workflows, collections, invoicing, and payment orchestration in one system. Resolve Pay also supports approved net terms programs and can advance payment on eligible invoices, helping merchants improve cash flow while buyers keep standard B2B payment terms.

The platform is designed for merchants, manufacturers, wholesalers, and distributors that sell on invoice and want a more embedded approach to trade credit. Resolve Pay supports branded payment experiences, multiple payment methods, and integrations across ERP, accounting, and ecommerce systems including QuickBooks, NetSuite, Shopify, BigCommerce, Magento, Xero, and Sage Intacct.

Paystand

Paystand is a B2B payments platform focused on digital payment acceptance and automation across accounts receivable and accounts payable workflows. Its positioning centers on digitizing payment operations, improving reconciliation, and connecting deeply with ERP environments. Paystand highlights support for systems such as NetSuite, Sage Intacct, Microsoft Dynamics 365, Acumatica, and QuickBooks.

For finance teams prioritizing payment workflow modernization inside an ERP-led environment, Paystand is often evaluated for its billing, payment, and reconciliation capabilities.

Gaviti

Gaviti is an invoice-to-cash and accounts receivable automation platform built around collections and workflow management. Its product focus includes collections management, dispute handling, cash application, credit management, and a customer-facing payer portal. Gaviti also presents its platform as modular, which can appeal to teams looking to emphasize a specific receivables process first and expand later.

Companies that want tighter control over collections and customer payment workflows often compare Gaviti when evaluating AR automation tools.

Feature-by-Feature Comparison

Where Resolve Pay Stands Apart

Resolve Pay connects trade credit and receivables

The biggest difference in this comparison is that Resolve Pay is not just an AR workflow tool. It also helps sellers offer terms to buyers through a single platform that connects credit assessment, invoicing, payments, and collections. For B2B suppliers, that matters because terms are often tied directly to conversion, order size, and repeat purchasing. The SBA notes that net-30 arrangements help businesses preserve cash flow, and the U.S. Census Bureau has also described open-account terms such as 30, 60, and 90 days as standard parts of B2B trade.

Resolve Pay is built for seller-side cash flow protection

For companies selling on terms, the real challenge is rarely invoicing alone. It is the delay between shipment and payment, plus the operational work required to assess buyers, follow up on invoices, and manage risk. Resolve Pay is built around that seller-side problem. It lets businesses offer terms while improving collections and accelerating cash flow on approved invoices. That makes it especially relevant for finance teams trying to reduce reliance on fragmented point solutions or manual AR processes.

Resolve Pay fits both ecommerce and offline B2B sales

A major strength of Resolve Pay is that it supports embedded B2B payment experiences across ecommerce checkout, sales-assisted transactions, and recurring account relationships. Businesses that sell through online storefronts, field sales reps, or hybrid channels often need one system that can support all of those paths. Resolve Pay’s ecommerce net terms and seller workflows are designed with that use case in mind.

When Paystand or Gaviti Enter the Shortlist

Paystand is often evaluated for ERP-centered payment automation

Paystand is commonly shortlisted by teams that want to digitize B2B payments and automate reconciliation within an existing finance stack. Its ERP alignment and AP/AR automation focus can make sense for organizations that already have a clear credit process and primarily want to improve how invoices are paid and recorded.

Gaviti is often evaluated for collections and invoice-to-cash control

Gaviti is usually part of the conversation when the priority is receivables operations, especially collections workflow design, dispute handling, and payer communication. Teams with complex dunning processes or a need for configurable invoice-to-cash workflows may find that structure relevant.

Who Should Choose Resolve Pay

Resolve Pay is the strongest fit for B2B sellers that want to make credit, payments, and receivables work together instead of managing them in separate systems.

It is especially well suited for companies that want to:

• Offer net terms without tying up working capital. Resolve Pay helps sellers extend terms while getting paid faster on approved invoices through a modern factoring alternative.
• Improve the buyer experience at checkout and beyond. Businesses can embed net terms management into online and offline sales workflows without forcing customers through disconnected payment steps.
• Reduce manual AR work. Resolve Pay brings invoicing, reminders, reconciliation, collections, and credit operations into a single process instead of relying on spreadsheets and disconnected tools.
• Create a stronger credit workflow. Finance teams can use Resolve Pay to support faster credit management and clearer receivables controls.
• Integrate with the existing stack. Resolve Pay supports B2B integrations across accounting, ERP, and commerce systems so teams can avoid duplicate data entry and maintain cleaner reporting.

Decision Framework 

Final Verdict

If your business is simply trying to automate receivables tasks, all three platforms may appear relevant. But if your company sells on invoice, offers or wants to offer terms, and needs a better way to balance sales growth with cash flow control, Resolve Pay is the most complete option in this comparison.

That is because Resolve Pay is built around the full B2B transaction lifecycle. It does not just help you collect payments after the fact. It helps you evaluate buyers, support B2B financing, automate receivables, improve payment workflows, and protect seller cash flow in the process. The Federal Reserve has emphasized that short-term credit matters for day-to-day cash-flow management for small businesses, which is exactly why seller-side payment terms require more than a basic billing tool.

For B2B merchants, manufacturers, wholesalers, and distributors that want a platform built around net terms, faster payments, and AR automation, Resolve Pay is the clearest fit.

See how Resolve Pay works →

Frequently Asked Questions

Does Resolve Pay only handle financing, or does it also automate receivables?

Resolve Pay does both. It supports net terms programs and faster payment on approved invoices, while also helping automate invoicing, reminders, collections, reconciliation, and related receivables workflows through its AR automation platform.

Can Resolve Pay work with my existing ERP or accounting system?

Yes. Resolve Pay supports integrations across systems such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce through its integration layer.

Is Resolve Pay built for ecommerce or traditional B2B sales?

Both. Resolve Pay is designed for ecommerce, sales-assisted, and hybrid B2B selling environments, including businesses that need net terms at checkout as well as companies managing invoiced relationships through offline channels.

How does Resolve Pay help with buyer credit decisions?

Resolve Pay supports business credit checks and underwriting workflows so sellers can make more consistent credit decisions and connect those decisions directly to invoicing and payment operations. You can learn more on its business credit check page.

Why do companies use Resolve Pay instead of stitching together multiple tools?

Many B2B finance teams would rather avoid separating credit, payments, invoicing, collections, and reporting across different systems. Resolve Pay brings those functions together in one seller-focused workflow, which can simplify operations and create a more consistent customer experience.

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.