Resolve Pay vs Paystand vs Kriya

Selecting the right B2B payment platform directly impacts your cash flow, operational efficiency, and ability to win new business with competitive payment terms. While Paystand focuses primarily on B2B payments and AR automation and also offers partner-powered invoice financing for eligible invoices, Kriya serves primarily UK-based businesses with invoice finance and embedded PayLater solutions. Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose a solution that addresses both their immediate cash flow needs and long-term growth objectives.

Key Takeaways

• Resolve Pay combines non-recourse financing, AR automation, and credit decisioning in one platform, while Paystand centers on B2B payments and AR automation with partner-powered Early Pay financing, and Kriya focuses primarily on UK business finance and embedded PayLater
• Resolve Pay can typically be set up in days, enabling rapid deployment for businesses seeking immediate cash flow improvements
• Resolve Pay maintains a 5.0 out of 5.0 rating on G2 from 17 reviews, demonstrating exceptional customer satisfaction for B2B payment solutions
• Channel coverage varies substantially: Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, while Paystand emphasizes ERP systems and Kriya provides Stripe UK integration
• AR automation capabilities at Resolve Pay can reduce manual workload by up to 90% through AI-powered invoicing, collections, and reconciliation
• Geographic focus differs across the platforms: Resolve Pay focuses on US and Canadian B2B sellers, Paystand operates in the United States and Canada with additional cross-border payment capabilities, and Kriya is primarily focused on UK business finance and embedded payments

Resolve Pay: Non-Recourse Financing with Integrated AR Automation

Resolve Pay was founded as a spinout from Affirm, bringing expertise in credit underwriting and risk management to B2B commerce. The platform serves over 15,000 businesses across manufacturing, wholesale distribution, and supply industries.

Core Financing Model

The platform addresses a fundamental challenge for B2B sellers: offering competitive payment terms without straining cash flow or absorbing bad debt risk. Rather than simply processing payments, Resolve Pay enables sellers to offer Net 30, 60, or 90 day terms to qualified business buyers while receiving upfront payment and shifting covered buyer default risk on eligible approved invoices through non-recourse financing.

When a seller offers Net 30 terms through Resolve Pay:

• The buyer receives payment flexibility similar to traditional trade credit
• Resolve Pay advances up to 100% of invoice value within 1-2 business days
• Non-recourse financing shifts covered buyer default risk on eligible approved invoices to Resolve Pay
• The seller maintains their brand experience through white-labeled checkout and payment portals

This model differs from payment and AR platforms that primarily streamline receivables workflows, while financing availability and structure vary by provider and program.

Key Features for Mid-Market B2B Sellers

Resolve Pay targets mid-market B2B sellers with $1M or more in annual revenue, particularly those in:

• HVAC parts distribution
• Electrical and plumbing supplies
• Industrial equipment manufacturing
• Medical and pharmaceutical distribution
• Construction materials supply

Platform capabilities include:

• Net Terms Financing: Offer flexible payment terms, including Net 30, 45, 60, or 90 days depending on the approved arrangement
• AI Credit Engine: Proprietary underwriting that evaluates thousands of buyer data points
• AR Automation: Invoice generation, payment reminders, reconciliation, and collections
• Agentic Collections: Multi-channel automated outreach across email, SMS, and voice AI
• Payment Portal: White-labeled buyer dashboard accepting ACH, wire, credit card, and check

Implementation and Integration Ecosystem

Resolve Pay can typically be set up in days for most teams using pre-built integrations. The platform includes native connections with major e-commerce and accounting systems:

• E-commerce: Shopify, BigCommerce, Magento 2, WooCommerce
• Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Payments: BlueSnap global payment processing

REST APIs with webhooks and sandbox environments support custom implementations for unique requirements.

Customer Results and Market Position

Resolve Pay announced $60 million in combined equity and asset financing in 2021, followed by an additional $25 million strategic equity funding round later that year. The platform earned the 2025 BigCommerce Innovative Integration Award.

Customer outcomes demonstrate measurable impact:

• SS&SI Dealer Network achieved 5x revenue growth
• ConEquip reported 30% year-over-year growth
• Archipelago Lighting tripled revenue while reducing approval time from 10 days to 24 hours
• Trenchless Supply reduced AR workload by 90%

Security includes SOC 2 Type II attestation with independent audits.

Paystand: B2B Payments and AR Automation

Founded in 2013 in California, Paystand has built a B2B payment network centered on accounts receivable workflows and payment processing. The platform operates in the United States and Canada with additional cross-border payment capabilities.

Platform Focus

Paystand's core capabilities center on:

• B2B payment processing and orchestration
• Collections and cash application automation
• ERP-connected accounts receivable workflows
• Bank-to-bank payment network
• Blockchain-backed audit trails for compliance

Financing Availability

Paystand centers on B2B payments, ERP-connected AR automation, and related finance workflows. Eligible invoices may also qualify for Early Pay financing through its financing partner. The Early Pay program provides upfront payment advances on qualified invoices, with underwriting, approval, funding, and repayment handled by the financing partner Lendica.

AR Automation Approach

Paystand's automation capabilities focus on collections and cash application:

• Digital agents for collections outreach
• Automated payment reconciliation
• Cash application workflows
• Real-time AR dashboards

Paystand reports 62% or greater DSO reduction and 70% or greater manual workload reduction for customers using their automation features. Paystand's automation is designed to accelerate collections, while its Early Pay program can provide advances on eligible invoices through a financing partner.

Integration Strategy

Paystand emphasizes enterprise ERP connectivity with native integrations for:

• NetSuite
• Sage Intacct
• Dynamics 365
• Acumatica

Implementation timing varies based on ERP configuration, integrations, and deployment scope. The platform provides blockchain audit trail documentation for enterprise compliance requirements.

Kriya: UK-Focused Business Finance and Embedded PayLater

Kriya, formerly MarketInvoice, has operated in UK B2B finance since 2011, processing over $5.2 billion in transactions. The October 2025 acquisition by Allica Bank added banking infrastructure to support expanded lending scale.

UK Market Specialization

Kriya combines embedded PayLater and business finance products with a primary focus on the UK market. The platform provides:

• Instant credit decisions for UK business buyers
• Multi-channel payment term support across online, offline, in-store, and tele-sales
• Invoice finance solutions for working capital
• Stripe UK integration for B2B PayLater checkout

Financing Model

Kriya pays merchants upfront on eligible PayLater transactions while managing buyer collections. The platform approves buyers in 45 countries for UK-based merchants, with emphasis on UK and European commerce.

Collections Management

Kriya offers managed collections as part of their PayLater solution, handling follow-up with buyers on behalf of merchants. The platform shows less emphasis on comprehensive AR automation dashboards compared to integrated workflows at Resolve Pay or ERP-focused automation at Paystand.

Comparing AR Automation Across Platforms

Manual accounts receivable processes create operational bottlenecks that slow cash collection and consume finance team resources. All three platforms address this challenge through different approaches and levels of automation.

Resolve Pay's Integrated AR Workflow

Resolve Pay's AR automation handles the complete invoice-to-cash cycle:

• Automated invoice generation synced from ERP and accounting systems eliminates double-entry
• Smart payment reconciliation uses machine learning to match payments automatically
• AI-powered collections automate follow-up across email, SMS, and voice AI with outreach and escalation that can adapt based on buyer behavior and payment status
• Real-time dashboards show DSO, aging reports, and portfolio health at a glance

Sequences can pause automatically when payment or dispute is received. Customers report these automation capabilities can reduce AR workload by up to 90%, freeing finance teams to focus on strategic activities.

Paystand's Collections Focus

Paystand provides AR automation focused on collections and cash application:

• Digital agents for collections outreach
• Automated payment reconciliation
• Cash application workflows
• ERP integrations for data synchronization

The platform's automation helps accelerate payment collection through systematic follow-up and improved tracking.

Kriya's Managed Approach

Kriya handles collections on behalf of merchants as part of its PayLater offering. The hands-off model works for UK businesses that prefer the financing provider to manage buyer relationships directly.

Invoice Financing: Structures and Risk Models

Invoice financing provides immediate cash against outstanding receivables, but the structure significantly impacts seller risk and economics. Understanding recourse versus non-recourse models helps businesses evaluate financing options effectively.

Non-Recourse Financing at Resolve Pay

Traditional invoice factoring typically operates on a recourse basis, meaning the seller remains liable if the buyer fails to pay. Resolve Pay operates through non-recourse financing. For eligible approved invoices, covered buyer default risk shifts to Resolve Pay under the applicable financing arrangement.

Benefits include:

• More predictable cash flow: Eligible advances can help sellers plan around receivables more consistently
• Reduced bad-debt exposure: Non-recourse financing can protect sellers from covered buyer defaults on eligible approved invoices
• Scalable growth: Expanding to new customers does not require proportional increases in credit risk exposure

The non-recourse model depends on strong credit underwriting. Resolve Pay's AI Credit Engine evaluates buyer creditworthiness before approving terms.

Paystand's Partner-Based Financing

Paystand's Early Pay program operates through financing partner Lendica, which handles underwriting, approval, funding, and repayment for eligible invoices. The partner-based structure separates payment processing from financing availability.

Kriya's UK Financing

Kriya provides upfront payment to merchants on eligible transactions with bank backing through Allica Bank ownership. The platform concentrates on UK credit infrastructure and business practices, with international buyer approval in 45 countries for UK-based sellers.

Funding Speed Comparison

Speed of funding varies across platforms:

• Resolve Pay advances up to 100% of invoice value within 1-2 business days on eligible approved invoices
• Paystand offers Early Pay financing on eligible invoices through a financing partner, alongside its core payments and AR automation platform
• Kriya pays merchants upfront on eligible PayLater transactions

AI-Powered Credit Decisioning

Credit decisioning speed directly impacts sales velocity. Slow manual credit processes create bottlenecks that delay orders and reduce competitiveness.

Resolve Pay's AI Credit Engine

According to the U.S. Census Bureau, manufacturing e-commerce shipments reached approximately $4.83 trillion in 2022, accounting for 68.5% of total manufacturing shipments. Resolve Pay's proprietary AI evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals.

The system delivers:

• Instant approvals for some purchases up to $25,000
• Broader assessments completed within 24 hours
• Quiet credit checks that do not notify buyers or impact credit scores
• Dynamic credit lines that adjust based on payment history

This automation replaces manual processes involving credit applications, trade reference calls, and document review that typically take one to two weeks.

Paystand's Credit Approach

Paystand does not provide credit underwriting for payment terms. The platform processes payments after buyers have been approved through the seller's own credit processes or through its Early Pay financing partner's underwriting.

Kriya's Instant Decisions

Kriya offers instant credit-limit decisions in seconds for UK business buyers. The platform evaluates buyer risk and provides immediate approval, leveraging UK market data and credit infrastructure.

Why Resolve Pay Fits North American B2B Sellers

For North American manufacturers, distributors, and wholesalers, Resolve Pay brings non-recourse financing, AI-powered credit decisioning, payments, and AR automation together in a supplier-focused platform. The integrated approach addresses multiple operational challenges simultaneously:

• Financing and cash flow: Non-recourse net terms financing on eligible approved invoices provides upfront payment while shifting covered buyer default risk to the platform. Sellers can offer competitive terms without waiting 30-90 days for payment or managing collection activities independently.
• Credit automation: AI-powered underwriting delivers decisions in hours or less, replacing manual processes that consume days or weeks. The automated approach provides consistent evaluation criteria while enabling faster sales cycles.
• Receivables management: Comprehensive AR automation handles invoice generation, payment reconciliation, and collections through multi-channel sequences. The reduction in manual workload allows finance teams to focus on strategic growth activities.
• E-commerce integration: Native connections with Shopify, BigCommerce, WooCommerce, and Magento 2 embed net terms directly into checkout flows. Buyers receive term offers at purchase without redirects or manual intervention.
• Rapid deployment: Setup that can typically be completed in days enables businesses to begin offering terms and receiving upfront payments quickly, with immediate impact on cash flow and sales competitiveness.

The combination delivers measurable outcomes across revenue growth, margin improvement, and operational efficiency. Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently. Elston Materials increased margins from 25% to 30% after implementing Resolve Pay, alongside improvements in working-capital management.

For businesses seeking to bring financing and receivables operations into one workflow, Resolve Pay's integrated platform provides the infrastructure to compete on payment terms while maintaining healthy cash flow.

Frequently Asked Questions

What is the main difference between Resolve Pay's non-recourse financing and traditional factoring?

Resolve Pay's non-recourse model shifts covered buyer default risk on eligible approved invoices to Resolve Pay. This structure can reduce bad-debt exposure while helping sellers improve cash-flow predictability. Traditional invoice factoring typically operates on a recourse basis, leaving the seller liable if the buyer fails to pay.

How does Resolve Pay's AI Credit Engine speed up credit decisions for B2B buyers?

Resolve Pay's proprietary AI evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals automatically. The system delivers instant approvals for some purchases up to $25,000 and completes broader assessments within 24 hours, replacing manual processes that typically take one to two weeks.

Can Resolve Pay integrate with my existing accounting and ERP software?

Yes, Resolve Pay offers native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform provides two-way sync for invoice and payment data, automatic payment reconciliation, and automated bookkeeping updates. For e-commerce, Resolve Pay integrates with Shopify, BigCommerce, WooCommerce, and Magento 2.

What kind of businesses benefit most from Resolve Pay's services?

Resolve Pay serves mid-market B2B sellers with $1M or more in annual revenue, particularly in 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.

Does Resolve Pay handle collections, or does the seller retain that responsibility?

Resolve Pay handles collections through its agentic collections platform, which automates multi-channel follow-up across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response and payment history, pausing automatically when payment or dispute is received, while reducing manual collection effort by up to 90%.

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.