Oct 02, 2026
Selecting the right B2B payment and financing solution can determine whether your business thrives with healthy cash flow or struggles with extended payment cycles. While Playter focuses on UK SME invoice financing and Settle serves buyer-side accounts payable automation, Resolve Pay delivers comprehensive net terms financing with non-recourse protection for US-based manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose the platform that aligns with their revenue goals, geographic market, and operational requirements.
Key Takeaways
- Resolve Pay serves 15,000+ businesses with supplier-side net terms financing and non-recourse protection, while Playter focuses on UK SMEs with financing products and Settle addresses buyer-side AP automation for CPG and ecommerce brands
- These three platforms solve fundamentally different business problems: Resolve Pay handles accounts receivable and seller cash flow, Playter manages financing for UK businesses, and Settle automates procurement and vendor payments for buyers
- Resolve Pay's AI credit engine delivers credit decisions in seconds compared to Playter's rapid assessment process, enabling real-time B2B commerce without sales friction
- Resolve Pay offers comprehensive integration capabilities with native connections to NetSuite, QuickBooks, Xero, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce, while Playter integrates primarily with Xero and Settle connects to QuickBooks Online and NetSuite
- Non-recourse financing distinguishes Resolve Pay by transferring of credit risk on approved invoices, eliminating bad debt concerns that subscription models and AP-focused platforms cannot address
- Resolve Pay advances funds within 1-2 business days while offering Net 30, 60, and 90 payment terms, helping sellers convert 60+ day payment cycles into immediate working capital
Understanding the B2B Payments Landscape: Supplier-Side vs Buyer-Side Solutions
The B2B payment technology market encompasses distinct categories serving opposite sides of business transactions. Understanding where each platform operates helps revenue and finance leaders select tools aligned with their specific cash flow challenges.
Supplier-side platforms like Resolve Pay help sellers offer payment terms to buyers while receiving immediate cash. These solutions address the fundamental tension between buyers wanting extended payment terms and sellers needing working capital. Supplier-side financing advances that cash immediately, converting accounts receivable into operational capital.
Buyer-side platforms like Settle help purchasers manage vendor relationships, automate payments, and optimize working capital from the procurement perspective. These tools address inventory financing, purchase order management, and accounts payable workflows rather than accounts receivable acceleration.
Hybrid platforms like Playter address financing needs for UK businesses through separate product offerings. Playter's services help businesses manage working capital and payment arrangements. However, geographic limitations restrict this flexibility to UK markets.
The distinction matters because selecting a buyer-side solution when you need seller-side financing creates workflow mismatches. U.S. Census Bureau data shows substantial e-commerce activity across U.S. manufacturing and wholesale trade, underscoring the importance of payment and receivables systems built for B2B transactions.
Resolve Pay
Resolve Pay's Approach to B2B Net Terms and AR Automation
Resolve Pay operates as a comprehensive B2B payments platform purpose-built for manufacturers, distributors, and wholesalers in the United States and Canada. The platform enables sellers to offer Net 30, 60, and 90 payment terms to business buyers while receiving immediate cash advances and helping reduce seller exposure to covered buyer non-payment risk.
The non-recourse financing model represents Resolve Pay's core differentiator. When a buyer is approved through Resolve Pay's credit engine, the platform takes on the majority risk of late payments or defaults on eligible approved transactions, subject to applicable program terms. If an approved customer fails to pay, Resolve Pay absorbs the loss rather than the seller. This helps reduce covered bad debt exposure that traditional factoring and subscription-based models cannot address.
Key Features and Capabilities
Resolve Pay's AI-powered credit engine delivers credit decisions in seconds by evaluating thousands of buyer data points including cash flow trends, payment history, and behavioral signals. This speed enables real-time commerce where buyers receive instant credit approvals at checkout rather than waiting days for manual underwriting processes.
The AR automation capabilities extend beyond financing to encompass complete accounts receivable management:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match payments to invoices
- Real-time AR dashboards showing DSO, aging reports, and portfolio health
- Automated bookkeeping sync to major accounting platforms
- Multi-channel payment acceptance including ACH, wire, credit card, and check
Agentic Collections combines AI-powered automation with human expertise for collections management. The system executes multi-channel sequences across email, SMS, and voice while maintaining professional relationships with buyers. Automated follow-ups pause when payments or disputes are received, and the platform logs all interactions to invoice records automatically.
Resolve Pay Integration Ecosystem
Resolve Pay offers native integrations across a comprehensive range of business systems:
ERP and Accounting:
- Oracle NetSuite with two-way sync for invoice and payment data
- QuickBooks Online with automated reconciliation
- Xero with native bookkeeping sync
- Sage Intacct with enterprise-grade integration
Ecommerce Platforms:
- Shopify with embedded net terms at checkout
- BigCommerce (2025 Innovative Integration Award winner)
- Magento 2 with native checkout integration
- WooCommerce with B2B payment capabilities
Resolve Pay supports ecommerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. Its BigCommerce integration received the 2025 BigCommerce Innovative Integration Award. These integration capabilities enable sellers to embed net terms directly into existing workflows without forcing platform changes or manual data entry.
Resolve Pay Performance and Results
Resolve Pay has served 15,000+ businesses with documented customer outcomes:
- Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
- Trenchless Supply reduced AR workload by 90% with rapid credit approvals
- ConEquip achieved 30% year-over-year growth through expanded net terms offerings
- SS&SI Dealer Network experienced 5x revenue growth
- Elston Materials increased margins from 25% to 30%
The platform maintains a 5.0/5 G2 rating with consistent praise for speed of credit decisions, elimination of bad debt, and exceptional customer service. Founded by executives from Affirm, PayPal, and Amazon, Resolve Pay brings proven fintech expertise to B2B payments with SOC 2 Type II attestation for enterprise compliance.
Playter
Playter's UK-Focused SME Financing Model
Playter positions itself as a B2B financing platform specifically designed for UK small and medium enterprises. The platform operates through distinct products addressing different business financing needs.
Playter's services help UK businesses manage working capital through flexible payment arrangements. The platform enables companies to manage cash flow timing between receiving customer payments and paying suppliers.
Playter uses a subscription-based financing model for certain products, with terms determined by the specific facility and borrower profile. This structure serves UK businesses with consistent financing needs compared to per-transaction fee models.
Features and Capabilities
Playter has funded 6,500 businesses with substantial approved funding. The platform maintains a 4.7/5 TrustPilot rating with users praising rapid application processes and responsive customer service.
Key capabilities of the Playter platform include:
- Extended payment term options for eligible transactions
- UK-focused business financing products
- Xero integration for UK accounting workflows
- Backing from Shawbrook Bank for institutional stability
- Playter advertises rapid credit assessment with decisions available within hours or within 24 hours depending on the product and application
- Credit facilities vary by Playter product, borrower profile, and approval
The integration ecosystem connects primarily with Xero, reflecting its UK market focus where Xero holds significant market share among SMEs. Playter's geographic focus means the platform serves UK businesses exclusively. Companies operating in the United States, Canada, or other markets cannot access Playter's financing options.
Settle
Settle's Buyer-Side AP and Procurement Focus
Settle operates as an accounts payable automation and procurement platform specifically designed for inventory-led businesses in the CPG and ecommerce sectors. Unlike supplier-side platforms, Settle helps buyers manage vendor relationships, automate payments, and finance inventory purchases.
The platform has provided substantial funding since 2019 and processed billions in total payments. Settle reports that customers experience significant revenue growth after activating on the platform.
Features and Capabilities
Settle's platform focuses on buyer-side workflows:
Purchase Order Management:
- PO creation and tracking
- Automated three-way matching between POs, invoices, and receipts
- WMS and 3PL integration for shipment receipt verification
Landed Cost Automation:
- SKU-level cost tracking including freight, duties, and shipping
- Automated calculations eliminating manual spreadsheet work
- Real-time visibility into true product costs
AP Automation:
- Vendor payment management
- Flexible payment method options
- QuickBooks Online and NetSuite integration
Working Capital:
- Inventory financing tied to purchase orders
- Vendor payment term management
- Cash flow forecasting tools
Settle addresses buyer-side needs rather than seller-side accounts receivable challenges. For manufacturers, distributors, and wholesalers seeking to offer payment terms while maintaining working capital, Settle's AP-focused capabilities address different business requirements. The platform serves CPG brands and ecommerce companies managing inventory purchases and vendor relationships.
Comparing Core Functionality and Geographic Coverage
Resolve Pay, Playter, and Settle operate in fundamentally different segments of the B2B payments market. Resolve Pay serves supplier-side net terms and AR automation for US and Canadian mid-market B2B sellers, particularly manufacturers, distributors, and wholesalers with $1M+ annual revenue. Playter focuses on UK SME financing and business lending. Settle addresses buyer-side AP and procurement automation for CPG and ecommerce brands in the United States.
The geographic distinction significantly impacts platform selection. Resolve Pay provides comprehensive coverage for United States and Canada operations, Playter serves United Kingdom businesses exclusively, and Settle operates in the United States market. This geographic alignment determines platform accessibility before feature evaluation begins.
Financing and Credit Decision Approaches
Resolve Pay's non-recourse financing helps reduce seller exposure to covered buyer credit risk through non-recourse protection on eligible approved invoice. When an approved buyer defaults, Resolve Pay absorbs the loss entirely rather than pursuing the seller for repayment. The AI-powered credit engine delivers decisions in seconds, evaluating thousands of data points including cash flow trends, payment history, and behavioral signals. Advance rates reach up to 100% on approved invoices, with funding delivered within 1-2 business days. The platform supports Net 30, 60, and 90 payment terms.
Playter offers financing products with rapid credit assessment processes. The platform advertises credit decisions available within hours or 24 hours depending on the product. Playter extends payment term options beyond standard periods for eligible UK business transactions. Credit facilities and approval amounts vary based on borrower profiles and specific products.
Settle operates differently given its buyer-side focus. Rather than advancing funds on seller invoices, Settle provides inventory financing tied to purchase orders and manages vendor payment optimization. The platform helps buyers extend working capital through procurement financing rather than accelerating seller receivables.
AR Automation and Collections Capabilities
Resolve Pay provides comprehensive accounts receivable automation integrated with financing. The platform handles automated invoice generation synced from ERP and accounting systems, ML-powered payment reconciliation that automatically matches payments to invoices, real-time AR dashboards displaying DSO and aging reports, and multi-channel payment acceptance including ACH, wire, credit card, and check.
Agentic Collections combines AI automation with human AR expertise. The system executes collection sequences across email, SMS, and voice, automatically pausing when payments or disputes are received. All interactions log to invoice records, and the hybrid model preserves customer relationships while reducing days sales outstanding.
Playter focuses on business financing rather than comprehensive AR operations. The platform manages invoice-related financing but does not provide the same depth of AR automation, payment reconciliation, or collections management as supplier-side AR platforms.
Settle does not offer AR automation or collections management given its buyer-side AP focus. The platform addresses accounts payable workflows, vendor payment processing, and procurement management rather than accounts receivable operations.
Integration Ecosystem Comparison
Resolve Pay provides native integrations across major ERP, accounting, and ecommerce systems. ERP and accounting connections include Oracle NetSuite with two-way invoice and payment sync, QuickBooks Online with automated reconciliation, Xero with native bookkeeping sync, and Sage Intacct with enterprise integration. Ecommerce integrations enable embedded net terms at checkout through Shopify, BigCommerce, Magento 2, and WooCommerce. REST APIs, webhooks, and sandbox tools support custom requirements. Most teams launch in under one week, although timing depends on integration and workflow scope.
Playter integrates primarily with Xero, reflecting its UK market focus where Xero maintains significant SME market share. The integration ecosystem aligns with UK business systems and workflows rather than providing broad international ERP coverage.
Settle connects to QuickBooks Online, NetSuite, and Finaloop for accounting integration. Ecommerce connections focus on Shopify for inventory and order management. The integration strategy supports AP and procurement workflows rather than AR and payment term operations.
Why Resolve Pay Fits North American B2B Sellers
For US-based manufacturers, distributors, and wholesalers seeking to offer competitive net terms without credit risk, Resolve Pay provides purpose-built capabilities that supplier-side businesses require. The platform combines non-recourse net terms financing with comprehensive AR automation, eliminating the need for multiple point solutions while transferring bad debt risk away from sellers entirely.
The distinction between supplier-side and buyer-side platforms becomes critical during platform evaluation. Resolve Pay addresses seller cash flow acceleration and accounts receivable operations, while buyer-focused platforms manage procurement and vendor payments.
Key advantages for mid-market B2B sellers include:
- Instant credit decisions through AI-powered underwriting that evaluates buyer risk in seconds rather than hours or days
- Complete risk transfer via non-recourse financing that eliminates bad debt exposure on approved invoices
- Comprehensive AR workflows integrating invoicing, payment reconciliation, and collections management in one platform
- Broad integration support across NetSuite, QuickBooks, Sage Intacct, Shopify, BigCommerce, and other major business systems
- North American market expertise with 15,000+ business networks and 12,000+ buyer networks providing superior credit data for US and Canadian operations
Resolve Pay serves businesses requiring supplier-side net terms financing with non-recourse protection, US and Canada geographic coverage, AR automation integrated with credit and financing, instant credit decisions at point of sale, deep ERP and ecommerce integrations, and collections management that preserves customer relationships.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing benefit my business compared to traditional factoring?
With non-recourse financing, Resolve Pay assumes 100% of the credit risk on approved invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than pursuing the seller for repayment. Traditional factoring typically operates on a recourse basis, meaning sellers remain liable if buyers default. This fundamental difference eliminates bad debt risk entirely for sellers using Resolve Pay's platform.
Can Resolve Pay integrate with my existing accounting and ecommerce platforms?
Resolve Pay integrates with major systems including Oracle NetSuite, QuickBooks Online, Xero, and Sage Intacct for accounting. Ecommerce integrations include Shopify, BigCommerce, Magento 2, and WooCommerce with embedded net terms at checkout. Integration capabilities vary by platform, and REST APIs are available for custom workflows. Resolve Pay states that most teams launch in under one week, although implementation timing depends on scope.
What kind of businesses are best suited for Resolve Pay's solutions?
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue, particularly manufacturers, distributors, and wholesalers in industries including HVAC parts, electrical supplies, plumbing supplies, industrial equipment, medical devices, and construction materials. The platform works best for businesses that want to offer Net 30, 60, or 90 payment terms to customers while maintaining healthy cash flow and eliminating credit risk.
How quickly can my business receive funding with Resolve Pay?
Resolve Pay advances funds within 1-2 business days on approved invoices, with advance rates up to 100% depending on buyer risk assessment. The AI credit engine delivers credit decisions in seconds, enabling real-time approvals at checkout. This compares to other platforms that may require longer assessment periods for setup and credit approval processes.
Does Resolve Pay help with debt collection, or just financing?
Resolve Pay provides comprehensive collections management through its Agentic Collections capability. The system combines AI-powered automation with human AR expertise to execute multi-channel collection sequences across email, SMS, and voice. Automated follow-ups pause when payments or disputes are received, preserving customer relationships while reducing DSO. The platform logs all interactions automatically, and the hybrid AI-plus-human model ensures professional handling of complex situations.
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.
