Resolve Pay vs Playter vs Gaviti

Selecting the right B2B payments and accounts receivable solution can fundamentally reshape your cash flow trajectory and operational efficiency. While Gaviti provides AR collections automation and Playter offers UK-focused business lending, Resolve Pay delivers an integrated platform combining non-recourse net terms financing with complete AR automation for mid-market US sellers. Understanding these fundamental differences between AR-only tools, regional lending products, and comprehensive financing platforms helps manufacturers, distributors, and wholesalers select the solution that matches their cash flow goals, credit risk tolerance, and growth objectives. According to Federal Reserve research, B2B payment terms continue to extend, making efficient working capital solutions increasingly critical for business competitiveness.

Key Takeaways

• Resolve Pay is the only platform among the three that combines non-recourse net terms financing with full AR automation, eliminating the need for multiple vendors while providing immediate cash flow and credit risk protection
• Resolve Pay serves 15,000+ businesses with native ecommerce integrations for Shopify, BigCommerce, WooCommerce, and Magento, while Gaviti focuses on AR automation without financing capabilities and Playter operates exclusively in the UK lending market
• Resolve Pay's AI Credit Engine delivers credit decisions in 30 seconds to 24 hours, enabling sellers to offer Net 30, 45, 60, or 90 terms while receiving upfront payment within 1-2 business days
• Implementation timelines vary by configuration: Resolve Pay can launch in hours to days with standard integrations, while Gaviti states that integration can be completed within days and cites a longer average rollout for more customized implementations
• Resolve Pay maintains a 5.0/5 G2 rating with SOC 2 Type II certification, providing enterprise-grade security for regulated industries
• The three platforms serve fundamentally different use cases: Resolve Pay for US B2B sellers needing financing plus automation, Gaviti for organizations requiring standalone AR optimization, and Playter for UK businesses seeking traditional lending products

Understanding the B2B Payments Landscape

The B2B financial technology market encompasses three distinct categories, each serving different operational models and business objectives. With B2B ecommerce sales continuing to grow, understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.

Integrated financing and AR platforms like Resolve Pay combine credit decisioning, invoice advancement, payment processing, and receivables automation in a unified solution. This approach enables sellers to offer competitive payment terms to buyers while receiving immediate cash, all without managing multiple vendor relationships.

AR collections automation platforms like Gaviti focus specifically on optimizing receivables workflows. These tools provide collections sequencing, payment reminders, cash application, and dispute management to help finance teams manage their existing AR processes more efficiently.

Regional business lending platforms like Playter serve a fundamentally different market segment. These solutions provide cash flow loans, term financing, and other lending products for businesses in specific geographies.

The distinction matters because mid-market B2B sellers typically face a dual challenge: they need both immediate cash access from invoices and efficient receivables management. Choosing separate point solutions for each function creates integration complexity and leaves gaps in the credit-to-cash workflow.

Resolve Pay

Resolve Pay's Integrated Approach

Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving immediate cash and offloading credit risk. Rather than addressing AR automation or financing in isolation, Resolve Pay delivers both capabilities through a unified platform.

The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. Key capabilities include:

• Approve buyers for Net 30, 45, 60, or 90 terms with credit decisions arriving in under 24 hours
• Eliminate manual trade reference calls and spreadsheet tracking
• Receive upfront cash on invoices while buyers pay on approved terms
• Non-recourse financing means Resolve Pay assumes the default risk on approved invoices

Through the Advance Pay program, sellers receive upfront payment within 1-2 business days while buyers pay on their approved terms. The remaining balance releases when the buyer completes payment. This financing operates on a non-recourse basis, meaning Resolve Pay assumes the default risk on approved invoices rather than the seller.

AR Automation and Collections

The AR automation platform handles invoice generation, smart payment reconciliation using ML to match invoice-to-cash automatically, real-time AR dashboards showing DSO and aging metrics, and automated bookkeeping sync to major accounting systems. Customer case studies report significant reduction in AR workload through these automation capabilities.

The Agentic Collections system uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response and payment history. The system pauses automatically when payment or disputes are received and logs all interactions to invoice records.

Native Ecommerce and ERP Integrations

Resolve Pay provides native integrations with major platforms:

Ecommerce Platforms:

• Shopify
• BigCommerce, where Resolve Pay received the 2025 BigCommerce Innovative Integration Award
• Magento 2
• WooCommerce

Accounting/ERP Systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

The embedded checkout capability allows B2B stores to offer net terms directly at checkout with instant credit approval during the purchase flow. For accounting and ERP systems, Resolve Pay connects through two-way sync for invoice and payment data, eliminating manual data entry.

The white-labeled buyer payment portal accepts ACH, wire transfer, credit card, and check payments while maintaining the seller's brand throughout the buyer journey. Buyers access a self-serve dashboard showing all invoices, credit lines, and payment history.

Gaviti

Gaviti's AR Collections Platform

Gaviti operates as an AR collections automation platform focused on optimizing receivables workflows without providing financing capabilities. The platform serves organizations requiring dedicated collections sequencing, payment reminders, cash application, and dispute management.

The solution provides:

• Collections workflow automation with configurable reminder sequences
• Cash application using AI matching to reconcile payments to invoices
• Dispute management with tracking and resolution workflows
• Payment portal for buyer self-service
• ERP-agnostic architecture supporting connections to on-premise, cloud, and custom ERPs

Gaviti maintains a 4.4/5 rating on G2 with 190+ reviews, with users frequently noting the user-friendly interface and visibility into AR status. The platform supports unlimited users, which can accommodate larger AR teams.

Key Differences in Approach

The fundamental distinction between Gaviti and Resolve Pay centers on financing capability. Gaviti handles AR workflow optimization effectively but requires separate arrangements for working capital needs. Organizations using Gaviti still need traditional factoring, bank lines, or other financing to address cash flow constraints from extended payment terms.

Resolve Pay addresses both challenges through a unified platform: sellers receive upfront cash on invoices while the AR automation handles collections, reconciliation, and reporting. Gaviti's implementation can be completed within days for standard setups, while more customized rollout and onboarding can take several weeks depending on complexity.

In terms of credit management, Gaviti provides credit management with automated scoring, approvals, and monitoring. Resolve Pay delivers AI-powered credit decisioning specifically designed for net terms financing with non-recourse protection.

Payment and Integration Capabilities

Gaviti offers a payment portal with ACH payments and credit card processing capabilities. The platform handles payment acceptance effectively but operates separately from financing, so sellers receive payment when buyers pay, not upfront.

Gaviti's ERP-agnostic architecture accommodates diverse tech stacks, particularly for organizations with legacy or specialized systems. The platform provides API access for custom implementations and lockbox remittance capture capabilities. However, Gaviti does not provide native ecommerce checkout integration, which limits embedded payment term offerings at point of purchase.

Playter

Playter's UK Business Lending Focus

Playter operates as a UK SME lending platform under Shawbrook ownership. Shawbrook acquired Playter in December 2025 and subsequently consolidated its new unsecured business lending applications under the Playter brand.

The solution focuses on short-term cash flow loans, credit lines, term financing, and other unsecured lending products for UK-based businesses. Loan decisions typically arrive within 24 hours through the platform's underwriting process.

Several key characteristics define Playter's scope:

• Geographic coverage limited to UK market exclusively, with no US or Canadian availability
• Product category focused on business lending and cash flow financing rather than invoice-level net terms
• Target market of UK SMEs seeking traditional lending products
• Minimal documented integrations with ecommerce or accounting platforms

Fundamental Product Differences

The fundamental distinction between Playter and Resolve Pay lies in product category and geography. Playter provides business loans to UK companies, while Resolve Pay enables US sellers to offer net terms to buyers while receiving immediate invoice funding. These represent different financial instruments serving different markets.

Playter focuses on borrower-facing unsecured business lending rather than seller-facing B2B payment acceptance or buyer payment portals. The platform does not provide collections automation, invoice management, or payment reconciliation features. UK businesses using Playter for lending would need separate AR software to manage receivables.

For US-based manufacturers, distributors, and wholesalers seeking B2B net terms financing with AR automation, Playter's geographic restriction and product focus make it unsuitable.

Accounts Receivable Automation Comparison

AR automation capabilities vary significantly across platforms, with implications for manual workload, collection effectiveness, and cash flow visibility.

Resolve Pay's Approach

Resolve Pay's AR automation integrates directly with its financing capabilities, providing automated invoice generation synced from ERP and accounting systems, smart payment reconciliation using ML to match invoice-to-cash automatically, and real-time AR dashboards showing DSO, aging, and portfolio health metrics. The platform reduces AR overhead through automation that eliminates manual invoice entry, reconciliation, and payment tracking.

The integration with net terms financing means sellers receive upfront payment while automation handles the buyer collection process. The Agentic Collections system provides multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns.

Gaviti's Approach

Gaviti provides dedicated AR workflow tools including collections automation with configurable reminder sequences, cash application with AI matching, payment portal for buyer self-service, and dispute tracking and resolution workflows. The platform's ERP-agnostic architecture connects to diverse accounting systems including on-premise, cloud, and custom implementations.

However, organizations using Gaviti must arrange separate financing to address working capital needs. The AR automation improves collection efficiency but does not address the fundamental cash flow constraint from waiting 30-90 days for payment.

Playter's Capabilities

Playter focuses on business lending rather than AR automation. The platform does not provide collections automation, invoice management, or payment reconciliation features.

Invoice Financing and Cash Flow Solutions

Cash flow constraints from extended payment terms represent a primary challenge for B2B sellers. The approaches to addressing this challenge differ fundamentally across platforms.

Resolve Pay's Non-Recourse Net Terms

Resolve Pay's Advance Pay program delivers immediate liquidity while sellers offer competitive terms. Sellers receive upfront payment within 1-2 business days while buyers pay on approved Net 30, 45, 60, or 90 terms. The remaining balance releases when the buyer completes payment.

This structure differs fundamentally from traditional factoring where sellers often retain recourse liability. With Resolve Pay's non-recourse model, sellers receive upfront cash without balance sheet risk on approved buyers.

Gaviti's Approach

Gaviti provides AR automation without financing capabilities. Organizations using Gaviti must secure working capital through separate channels such as traditional bank lines of credit, invoice factoring arrangements, or business loans from other providers. This separation creates operational complexity and potential gaps in the credit-to-cash workflow.

Playter's Lending Model

Playter offers business lending products for UK companies, including cash flow loans and term financing. However, this represents a different financial instrument focused on general business lending rather than invoice-specific financing, serves the UK market exclusively, and operates separately from AR processes.

Integration Ecosystem Comparison

Integration capabilities determine implementation complexity and ongoing operational efficiency.

Resolve Pay's Integration Strategy

Resolve Pay provides native integrations across ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce, plus accounting/ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform offers two-way sync for invoice and payment data, REST API with webhooks and sandbox for custom integrations, and implementation in hours to days with standard integrations.

The ecommerce integration capability distinguishes Resolve Pay from AR-only platforms. Sellers can offer net terms directly at checkout with instant credit decisions, converting more B2B buyers while protecting cash flow.

Gaviti's Integration Philosophy

Gaviti emphasizes ERP-agnostic architecture with connections to on-premise, cloud, and custom ERPs, broad accounting system compatibility, and API access for custom implementations. The platform's flexibility accommodates diverse tech stacks, particularly for organizations with legacy or specialized systems.

Playter's Integration Capabilities

Playter provides minimal documented integrations with ecommerce or accounting platforms. The lending focus means integration requirements differ from AR and payments platforms.

Why Resolve Pay Fits B2B Sellers

Resolve Pay brings net terms financing, credit decisioning, accounts receivable automation, payments, collections, and ecommerce connectivity into one B2B-focused platform. This structure is particularly relevant for manufacturers, distributors, wholesalers, and other B2B sellers that want to give qualified buyers more time to pay without leaving their own cash tied up in receivables.

Key Resolve Pay capabilities include:

• Integrated net terms and AR automation within the same workflow, eliminating the need to coordinate between separate financing and AR vendors
• Non-recourse financing on qualifying approved invoices, subject to applicable program terms, shifting qualifying buyer credit risk away from the seller
• Ecommerce integrations for platforms including Shopify, BigCommerce, WooCommerce, and Magento, enabling net terms directly at checkout
• ERP and accounting connectivity for systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite with two-way data sync
• AI-powered credit decisioning for B2B buyers with decisions typically delivered in under 24 hours

Resolve Pay supports more than 15,000 B2B businesses and is designed to help sellers improve cash-flow timing while simplifying the credit-to-cash process. For B2B businesses that need net terms, credit management, payment workflows, and AR automation to work together, Resolve Pay provides these capabilities through one connected platform.

Frequently Asked Questions

How does Resolve Pay combine financing and AR automation?

Resolve Pay combines net terms financing with accounts receivable workflows in one platform. Qualified sellers can offer approved buyers flexible payment terms while receiving an advance on qualifying invoices, and Resolve Pay supports credit decisioning, payment reminders, collections, reconciliation, and payment processing throughout the receivables lifecycle.

How does Resolve Pay's AI Credit Engine benefit B2B sellers?

Resolve Pay's AI Credit Engine evaluates thousands of buyer data points to deliver credit decisions in under 24 hours. The system replaces manual trade reference calls and spreadsheet tracking, enabling sellers to approve buyers for net terms quickly while protecting against credit risk through non-recourse financing on approved invoices.

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

Yes, Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite through two-way sync for invoice and payment data. The platform also offers REST API with webhooks and sandbox for custom integrations, with most teams launching within days.

What kind of businesses is Resolve Pay best suited for?

Resolve Pay serves mid-market B2B sellers 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.

How does non-recourse financing work with Resolve Pay?

Resolve Pay offers non-recourse financing on qualifying approved invoices, subject to buyer approval, invoice verification, and applicable program terms. This structure can shift qualifying buyer credit risk away from the seller while allowing buyers to retain approved net payment terms.

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.