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.
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.
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:
This model differs from payment and AR platforms that primarily streamline receivables workflows, while financing availability and structure vary by provider and program.
Resolve Pay targets mid-market B2B sellers with $1M or more in annual revenue, particularly those in:
Platform capabilities include:
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:
REST APIs with webhooks and sandbox environments support custom implementations for unique requirements.
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:
Security includes SOC 2 Type II attestation with independent audits.
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.
Paystand's core capabilities center on:
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.
Paystand's automation capabilities focus on collections and cash application:
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.
Paystand emphasizes enterprise ERP connectivity with native integrations for:
Implementation timing varies based on ERP configuration, integrations, and deployment scope. The platform provides blockchain audit trail documentation for enterprise compliance requirements.
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.
Kriya combines embedded PayLater and business finance products with a primary focus on the UK market. The platform provides:
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.
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.
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 AR automation handles the complete invoice-to-cash cycle:
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 provides AR automation focused on collections and cash application:
The platform's automation helps accelerate payment collection through systematic follow-up and improved tracking.
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 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.
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:
The non-recourse model depends on strong credit underwriting. Resolve Pay's AI Credit Engine evaluates buyer creditworthiness before approving terms.
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 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.
Speed of funding varies across platforms:
Credit decisioning speed directly impacts sales velocity. Slow manual credit processes create bottlenecks that delay orders and reduce competitiveness.
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:
This automation replaces manual processes involving credit applications, trade reference calls, and document review that typically take one to two weeks.
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 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.
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:
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.
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.
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.
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.
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.
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.