Selecting the right B2B payment and net terms solution directly impacts your cash flow, customer relationships, and operational efficiency. While Playter operates as a UK business lending platform backed by Shawbrook and Apruve is now part of TreviPay, Resolve Pay delivers non-recourse net terms financing with AI-powered credit decisions and comprehensive AR automation for B2B manufacturers and distributors.
Understanding the fundamental differences between these platforms helps B2B suppliers choose the solution that matches their geographic market, risk tolerance, and growth objectives. Each platform serves different business models: Playter focuses on unsecured lending for UK SMEs, TreviPay provides managed B2B payment programs across multiple countries, and Resolve Pay specializes in integrated net terms, credit decisioning, and accounts receivable automation for mid-market B2B sellers.
The B2B payment technology market encompasses distinct categories, each serving different operational models, geographic markets, and business objectives. According to the U.S. Small Business Administration, working capital management remains one of the top challenges for growing B2B companies, making the choice of payment and credit platform critical.
UK business lending platforms such as Playter focus on financing products for established UK SMEs. Following Shawbrook's acquisition in December 2025, Playter became the group's channel for new unsecured business lending applications in May 2026. The current offering includes cash-flow loans, credit lines, term loans, and professions finance.
Global enterprise payment platforms like TreviPay (which acquired Apruve in 2022) provide managed B2B payments and receivables programs. TreviPay operates merchant programs in more than 20 countries and serves buyers across 50 countries, with implementation customized around each customer's systems and order-to-cash requirements.
Integrated non-recourse platforms like Resolve Pay represent a different approach. Rather than requiring sellers to bear credit risk or limiting operations to specific geographies, Resolve Pay combines AI-powered credit decisioning, immediate cash advances on qualifying approved invoices, and comprehensive AR automation in a single workflow. Research from the Federal Reserve shows that B2B payment efficiency directly correlates with business growth capacity, making integrated platforms increasingly valuable for mid-market suppliers.
Resolve Pay operates as an integrated B2B payments platform that enables manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while accelerating cash flow and transferring eligible buyer-default risk on approved invoices.
The platform runs continuously across multiple payment rails:
Resolve Pay's AI Credit Engine evaluates buyer creditworthiness in real time, building credit lines from live data signals and approving credit decisions in seconds for qualifying buyers. The system analyzes thousands of buyer data points including cash flow trends, payment history, and behavioral signals for every credit application.
Net Terms Financing: Sellers can offer deferred payment terms while Resolve Pay advances funds on qualifying approved invoices within 1-2 business days. The non-recourse structure transfers eligible buyer-default risk to Resolve Pay for approved transactions.
AI Credit Engine: Proprietary technology evaluates creditworthiness with real-time decisions. Resolve Pay supports discreet credit checks using basic business information, helping sellers evaluate buyers without requiring a lengthy customer application process. Dynamic credit lines adjust based on payment history and behavior patterns.
AR Automation Platform: The system includes:
Agentic Collections: Multi-channel automated sequences across email, SMS, and AI-powered voice calls with intelligent escalation based on buyer response patterns. The system preserves customer relationships with professional communication while reducing days sales outstanding.
Integration Ecosystem: Native two-way sync with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite pulls invoice data automatically and writes back payment outcomes. Ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento 2 enable embedded checkout for online B2B sales.
Resolve Pay serves mid-market B2B suppliers with $1M+ annual revenue who need:
Resolve Pay states that it is SOC 2 Type II attested and independently audited, supporting its security and control framework for B2B payments and receivables workflows.
Following its acquisition by Shawbrook in December 2025, Playter became the group's platform for new unsecured SME lending applications in May 2026. Its current offering includes short-term cash-flow loans, credit lines, term loans, and professions finance for eligible UK businesses.
The current Playter proposition centers on unsecured business lending for established UK SMEs rather than a seller-side trade credit platform. Key characteristics include:
Business Lending: Playter provides eligible UK SMEs with products including cash-flow loans, credit lines, term loans, and professions finance. The platform serves as Shawbrook's primary channel for new unsecured SME lending applications.
Shawbrook Banking Integration: Shawbrook's ownership provides Playter with institutional funding and underwriting support for its UK SME lending products. The banking-grade infrastructure supports credit evaluation and funding processes.
Open Banking Connectivity: Integration with UK open banking systems enables automated data sharing for credit decisions and payment processing, supporting Playter's application and underwriting workflows.
Playter operates as a UK SME lending platform within Shawbrook. Its current offering includes cash-flow loans, credit lines, term loans, and professions finance. This lending model addresses a different business need from Resolve Pay's seller-focused net terms, credit, payments, and AR automation platform.
Public customer feedback for Playter discusses its UK business lending experience, including application processes, staff support, and funding speed. Because review scores and counts change over time, they should not be used as a fixed point of comparison unless verified immediately before publication.
TreviPay acquired Apruve in 2022 to expand its B2B payments and order-to-cash capabilities. TreviPay currently states that it operates merchant net-terms programs in more than 20 countries and serves buyers across 50 countries.
The platform provides managed B2B payments and receivables programs for mid-market and enterprise organizations. Its implementation model is customized around each customer's systems, markets, and order-to-cash requirements. According to the U.S. Department of Commerce, international trade credit management represents a significant operational challenge for businesses expanding globally, making multi-country payment platforms increasingly relevant.
Key characteristics include:
Global Coverage: TreviPay supports merchant programs in more than 20 countries and serves buyers across 50 countries, enabling B2B transactions across international supply chains.
Multi-Currency Support: TreviPay supports more than 10 currencies out of the box, with additional international capabilities depending on the program configuration.
Managed Services: Dedicated teams handle ongoing account management and payment operations, reducing internal operational burden for qualifying organizations.
Enterprise Integration: The platform supports integrations with SAP, Oracle, and other enterprise systems depending on the implementation scope and technical requirements.
Implementation timelines depend on configuration. TreviPay states that some supported implementations can launch in weeks, while complex enterprise programs can require several months. The platform uses customized enterprise implementations designed around each customer's systems, markets, and order-to-cash requirements.
TreviPay serves businesses through managed payment and receivables programs with dedicated implementation and account-management resources.
Credit decisioning speed and risk allocation represent significant operational differences between these platforms. Each solution takes a fundamentally different approach to credit evaluation and default risk.
Resolve Pay: AI-powered credit decisions complete in seconds for qualifying buyers, enabling same-day approval and immediate transaction processing. The platform evaluates thousands of data points automatically without manual underwriting intervention.
Playter: Shawbrook states that Playter's automated workflows and Open Banking integrations can support credit decisions within 24 hours for eligible applications. The banking-grade process provides thorough evaluation through institutional underwriting.
TreviPay: Decision timelines vary by program and enterprise configuration. Custom implementations may involve review processes aligned with each customer's risk policies and requirements.
Resolve Pay: Non-recourse financing applies to qualifying approved invoices, allowing sellers to receive advance payments while Resolve Pay assumes eligible buyer-default risk on those transactions. This model shifts covered approved-buyer credit risk away from the seller, subject to applicable program terms.
Playter: Playter's current offering centers on unsecured lending products for UK SMEs, so its borrower repayment structure is different from Resolve Pay's non-recourse net terms model for sellers. The risk structure follows standard business lending conventions.
TreviPay: Risk transfer varies by program configuration. Some enterprise programs include payment protection structures while others follow different models depending on negotiated terms and program design.
Resolve Pay: Dynamic credit lines adjust automatically based on buyer payment history and behavior patterns. The system optimizes credit availability in real time without manual intervention, supporting evolving buyer relationships.
Playter: Credit limits established through Shawbrook underwriting infrastructure with periodic reviews following banking standards. Changes require formal reassessment through standard lending processes.
TreviPay: Custom credit programs configured during enterprise implementation. Modifications involve account management coordination and potential program amendments depending on the initial agreement.
Technology integration capabilities and deployment timelines determine how effectively each platform fits into existing business operations. The depth of available integrations directly impacts implementation complexity and ongoing efficiency.
Resolve Pay: Native two-way sync with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform pulls invoice data automatically and writes back payment outcomes, reconciliation results, and transaction summaries. Automatic payment reconciliation eliminates manual data entry.
Playter: Xero integration and Open Banking connectivity support UK-focused accounting workflows for business lending applications and funding processes.
TreviPay: Enterprise integrations including SAP, Oracle, and other systems depending on implementation scope. Deep functionality requires coordination with technical teams and custom development resources.
Resolve Pay: Native integrations with Shopify, BigCommerce, WooCommerce, and Magento 2. Embedded checkout capabilities enable net terms offers directly within online purchasing flows while maintaining white-label branding throughout buyer journeys.
Playter: Limited ecommerce integration focus. The platform serves UK business lending rather than seller-side ecommerce enablement.
TreviPay: Enterprise ecommerce integrations available for large-scale implementations depending on program requirements. Functionality requires enterprise-level deployment coordination.
Resolve Pay: Most teams launch in under one week with native integrations. Self-service configuration with dedicated support enables rapid deployment without extensive technical resources.
Playter: Playter can provide lending decisions within 24 hours for eligible applications. This credit-decision speed differs from full platform implementation or integration timelines.
TreviPay: Implementation timelines depend on configuration. TreviPay states that some supported implementations can launch in weeks, while complex enterprise programs can require several months of customization and technical coordination.
These platforms use different operating models and serve different B2B payment or lending requirements. Resolve Pay is focused on helping B2B sellers combine net terms, credit decisioning, payments, and AR automation in one workflow.
Mid-market US suppliers with $1M+ annual B2B revenue can use Resolve Pay to accelerate cash flow, reduce credit exposure on qualifying approved invoices, and automate receivables operations. The platform's combination of non-recourse financing on approved transactions, instant credit decisions, native ecommerce integrations, and comprehensive AR automation addresses common mid-market operational challenges.
Customer outcomes demonstrate the platform's effectiveness for this segment:
Playter operates within Shawbrook's UK SME lending portfolio. Its current offering includes cash-flow loans, credit lines, term loans, and professions finance for eligible UK businesses. This is structurally different from Resolve Pay's seller-focused net terms model, where Resolve Pay supports buyer credit, invoice advancement, payment workflows, and receivables automation.
TreviPay provides managed B2B payments and receivables programs for organizations operating across multiple markets and currencies. Resolve Pay is more directly positioned around manufacturers, distributors, wholesalers, and other B2B sellers that want to offer net terms while integrating credit, payments, and AR workflows into their existing operations.
B2B suppliers prioritizing online sales channels benefit from platforms with native ecommerce integrations and embedded checkout capabilities. Resolve Pay's 2025 BigCommerce Innovative Integration Award recognition and native Shopify, WooCommerce, and Magento integrations provide a technical foundation for digital commerce. The ability to offer net terms directly within checkout flows while maintaining white-label branding creates competitive advantage in digital B2B markets.
Resolve Pay serves 15,000+ businesses by combining net terms, credit decisioning, payments, and AR automation in one platform. For mid-market B2B manufacturers, distributors, and wholesalers, this integrated approach addresses multiple operational challenges:
Non-recourse financing on qualifying approved invoices reduces exposure to covered approved-buyer credit risk, allowing sellers to offer competitive payment terms without taking on buyer default risk.
Instant AI-powered credit decisions complete in seconds for qualifying buyers, enabling same-day transaction approval without manual underwriting delays that slow sales velocity.
Native ecommerce and ERP integrations connect net terms offers directly into online checkout flows and accounting systems, reducing implementation complexity while maintaining operational efficiency.
Comprehensive AR automation handles invoicing, payment reconciliation, and collections workflows automatically:
Exceptional customer support maintains the platform's perfect 5.0/5 G2 rating, with dedicated account management and responsive technical assistance throughout implementation and ongoing operations.
The platform's focus on B2B sellers distinguishes it from UK-focused lending platforms or enterprise managed-service providers. By combining risk transfer, fast credit, embedded payments, and automated receivables in one workflow, Resolve Pay enables mid-market suppliers to offer competitive net terms while maintaining healthy cash flow and operational efficiency.
Resolve Pay's non-recourse model transfers eligible buyer-default risk on qualifying approved invoices while allowing sellers to receive advance payments before the buyer's payment term ends. Traditional factoring may use either recourse or non-recourse structures depending on the agreement. Resolve Pay combines this protection with AI credit decisioning, multi-channel payments, and AR automation in one platform rather than requiring separate vendors for credit, funding, and collections.
Resolve Pay focuses on North American B2B sellers combining net terms, credit, payments, and AR automation. Playter operates within Shawbrook's UK SME lending portfolio, offering cash-flow loans and credit lines to UK businesses. TreviPay provides managed B2B payment and receivables programs for organizations operating merchant programs in more than 20 countries while serving buyers across 50 countries.
Yes. Resolve Pay offers native two-way integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting. Ecommerce integrations include Shopify, BigCommerce, WooCommerce, and Magento 2 with embedded checkout capabilities. The platform automatically syncs invoice data, customer information, and payment outcomes while providing real-time reconciliation. Implementation typically completes in under one week with these pre-built integrations.
Resolve Pay's AI Credit Engine delivers credit decisions in seconds for qualifying buyers. The system evaluates thousands of buyer data points automatically, enabling same-day approval and immediate transaction processing. Once approved, sellers receive advance payments within 1-2 business days on qualifying invoices. Dynamic credit lines adjust based on buyer payment history and behavior patterns without manual intervention.
Resolve Pay serves mid-market B2B sellers 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. Businesses seeking to offer competitive net terms while accelerating cash flow and reducing credit exposure on qualifying approved invoices benefit from the platform's integrated approach.
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.