If you're evaluating Resolve Pay, Settle, and Invoiced side by side, you're likely trying to fix a B2B finance workflow that standard invoicing software has not fully solved. That may be a long wait on customer receivables, manual buyer credit approvals, growing collections work, or an AP process that has outgrown spreadsheets. The important point is that these platforms do not solve the same problem. Resolve Pay focuses on B2B net terms and accounts receivable automation for sellers that want to offer payment terms while improving cash flow. Settle focuses on accounts payable workflows for product and CPG brands managing vendor bills, purchase orders, and supplier payments. Invoiced focuses on invoice-to-cash automation for finance teams managing collections and payment workflows.
For B2B suppliers, wholesalers, manufacturers, and distributors, the key question is not which platform has the longest feature list. It is which platform matches the side of the transaction you need to improve. If the challenge is offering net 30, 60, or 90-day terms while getting paid faster and reducing credit risk, Resolve Pay is built around that workflow. If the challenge is vendor payments or collections automation only, the comparison becomes narrower. This guide explains where each platform fits, how they differ, and why Resolve Pay is the strongest fit for seller-side net terms and AR-to-cash operations.
B2B payments are becoming more digital, embedded, and workflow-driven. The global B2B payments market is projected to grow from USD 11.69 trillion in 2024 to USD 15.88 trillion by 2030, while the Federal Reserve notes that U.S. B2B transactions reached an estimated USD 35.8 trillion in 2024. At the same time, many finance workflows still rely on manual invoicing, email follow-ups, spreadsheets, and disconnected payment records.
Net 30, net 60, and net 90 terms are common in B2B commerce. Buyers often expect time to pay, especially in wholesale, manufacturing, distribution, and enterprise procurement. For sellers, those terms can create a cash flow gap between when goods ship and when payment arrives.
Resolve Pay addresses this directly by helping merchants offer net payment terms while supporting upfront payment on approved invoices. Instead of treating net terms as a manual credit program, Resolve Pay brings credit decisions, invoice advancement, payment collection, and AR workflows into one embedded platform.
Many B2B payment platforms use similar terms, including automation, payments, financing, and working capital. But the workflows are different:
This is why Resolve Pay, Settle, and Invoiced should not be evaluated as identical platforms. They sit in adjacent parts of B2B finance, but the operational use case is different.
B2B sellers increasingly need payment options inside ecommerce storefronts, ERP workflows, and sales-led buying processes. Resolve Pay’s B2B payments platform is built for that embedded model, giving buyers a way to access terms while helping sellers streamline credit, invoicing, reconciliation, and collections.
Resolve Pay is a B2B payments and net terms platform for suppliers, wholesalers, manufacturers, and distributors that sell to business buyers. It helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, payments, credit decisions, and collections workflows.
The platform is designed around a seller-side problem: buyers want flexible payment terms, but sellers need predictable cash flow. Resolve Pay helps sellers offer net 30, net 60, or net 90 terms while supporting advance payment on approved invoices. Resolve Pay also helps manage credit assessment, payment reminders, collections workflows, buyer payment options, and ERP or accounting sync.
Resolve Pay is especially relevant for sellers that want to:
Resolve Pay supports accounts receivable automation for invoice workflows, payment reminders, reconciliation, and customer payment experiences. Its business credit check capabilities help sellers assess buyers without relying entirely on manual review. Its integrations support ecommerce, ERP, and accounting workflows across systems such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento.
Settle is an accounts payable automation and working capital platform built mainly for inventory-driven product brands. It helps brands manage supplier payments, purchase orders, approvals, bill pay, and inventory-related finance workflows.
Settle’s platform is oriented around money going out of the business. For CPG and product brands managing vendors, SKUs, freight, inventory cycles, and supplier bills, Settle can help centralize payable workflows. Its public materials describe support for PO-bill matching, approval workflows, vendor payment automation, W-9 and W-8 collection, purchase order creation, and embedded working capital for inventory purchases.
Settle is relevant for teams that need to:
Settle is not positioned as a net terms financing platform for sellers offering payment terms to their own buyers. It is better understood as an AP and procurement finance workflow platform.
Invoiced is an accounts receivable automation platform for invoice-to-cash workflows. Flywire announced the acquisition of Invoiced in August 2024, positioning it as part of Flywire’s broader B2B payments and software capabilities.
Invoiced focuses on AR process automation: invoice management, payment communication, collections workflows, payer engagement, and reconciliation with ERP systems. Flywire described Invoiced as a SaaS platform that helps B2B finance teams automate the order-to-cash process, including invoice management, payer communication, and ERP reconciliation.
Invoiced is relevant for finance teams that need to:
Invoiced is best understood as an AR automation and collections platform. Resolve Pay also supports AR automation, but it adds seller-side net terms financing, buyer credit workflows, and embedded net terms as a core part of the seller payment experience.
|
Feature |
Resolve Pay |
Settle |
Invoiced |
|---|---|---|---|
|
Primary use case |
Net terms financing, B2B payments, and AR automation |
AP automation and supplier payment workflows |
AR automation and invoice-to-cash workflows |
|
Main finance direction |
Incoming receivables from business buyers |
Outgoing payments to suppliers and vendors |
Incoming receivables and collections |
|
Best-fit team |
B2B sellers, wholesalers, manufacturers, and distributors |
Product and CPG brands managing vendors |
Mid-market and enterprise finance teams |
|
Net terms for buyers |
Yes, supports net terms for B2B buyers |
Not the core use case |
Supports AR workflows, but not seller-side net terms financing as the core model |
|
Seller upfront payment |
Yes, for approved invoices |
Focused on payables and working capital |
Focused on invoice-to-cash automation |
|
Credit decisioning |
Yes, supports automated buyer credit workflows |
Focused on vendor and AP workflows |
Focused on AR automation and payer workflows |
|
AR automation |
Yes, through invoice, payment, reminder, collections, and reconciliation workflows |
Not the main focus |
Yes, through invoice-to-cash automation |
|
AP automation |
Not the core use case |
Yes |
Not the core use case |
|
Ecommerce checkout fit |
Yes, supports embedded net terms and ecommerce workflows |
Relevant mainly for inventory and product operations |
Not primarily checkout-led |
|
ERP and accounting integrations |
QuickBooks Online, Xero, NetSuite, Sage Intacct, and other systems |
Accounting and ecommerce workflow integrations |
ERP and accounting integrations through AR workflow automation |
|
Buyer payment portal |
Yes, branded payment portal |
Vendor payment workflows |
Payer and invoice payment workflows |
|
Strongest Resolve Pay advantage |
Combines net terms, credit, payments, and AR automation for sellers |
Different AP-focused category |
Different invoice-to-cash category |
Resolve Pay helps sellers offer net terms while reducing the risk and cash flow burden that usually comes with customer credit. Its model is built around the seller’s need to get paid faster while buyers retain the flexibility to pay later.
For suppliers, wholesalers, and manufacturers, this is the central advantage. Resolve Pay is not just helping teams send invoices or accept payments. It supports the broader net terms management workflow: buyer credit, invoice funding, reminders, collections, payment acceptance, and reconciliation.
Manual credit review often slows down B2B sales. A buyer wants terms, the sales team waits for finance, finance asks for documents, and the order stalls. Resolve Pay helps automate credit decisions and lets approved buyers move forward with terms more quickly.
This matters for sellers trying to grow repeat purchasing and larger order sizes. A streamlined credit process can support a better buyer experience while keeping risk management inside the platform.
Resolve Pay’s AR automation covers more than dunning. It helps manage invoice workflows, reminders, payment acceptance, reconciliation, and reporting. Sellers can centralize receivables activity instead of spreading it across spreadsheets, email threads, ERP notes, and disconnected payment tools.
The buyer payment portal also supports common B2B payment methods, including ACH, wire, credit card, and check. This gives buyers flexibility while helping sellers keep payments tied to invoice records.
B2B commerce increasingly happens across multiple channels: ecommerce storefronts, sales reps, marketplaces, traditional invoicing, and hybrid purchasing. Resolve Pay supports net terms for ecommerce and can help sellers add terms into checkout or embedded buying workflows.
This is especially useful for sellers on platforms such as Shopify, BigCommerce, WooCommerce, and Magento. Buyers can apply for or use terms within the buying experience, while sellers keep the AR and credit workflow connected to their back office.
Resolve Pay supports financial integrations across ecommerce, ERP, and accounting systems. For finance teams, this is critical because net terms only work at scale when credit decisions, invoice status, payment records, and reconciliation data stay synchronized.
Resolve Pay’s integration approach helps sellers reduce manual data entry and keep AR records cleaner across the full payment lifecycle.
Settle is built around accounts payable and procurement workflows. Product and CPG brands often manage many suppliers, purchase orders, freight charges, inventory cycles, and vendor bills. Settle helps organize those outgoing payment and procurement workflows.
Typical Settle use cases include:
This makes Settle relevant for teams trying to manage what they owe to suppliers. For a brand that needs to organize vendor payments and purchase orders, Settle fits the AP side of the ledger.
Settle also supports working capital use cases for product brands that need to finance inventory purchases or supplier payments. This can be relevant for companies with seasonal demand, long inventory cycles, or large purchase orders.
That said, this is a different use case from Resolve Pay. Resolve Pay is focused on helping sellers manage incoming receivables and offer terms to buyers. Settle is focused on helping brands manage outgoing supplier payments and procurement workflows.
Invoiced focuses on AR automation for finance teams that need to improve invoice-to-cash processes. Its workflow includes invoice management, payer communication, payment collection, and reconciliation. For businesses with high invoice volume, these workflows can help standardize collections activity and reduce manual follow-up.
Invoiced is particularly relevant for:
After Flywire’s acquisition, Invoiced became part of a broader global payment and software environment. Flywire’s public announcement described Invoiced as a platform that automates B2B AR processes and connects with ERP systems such as NetSuite, Sage Intacct, and Microsoft Dynamics.
For companies focused on invoice-to-cash automation and global payment acceptance, Invoiced can fit the AR collections layer. For companies focused on offering net terms while improving seller cash flow, Resolve Pay is the more directly aligned platform.
Resolve Pay is the clearest fit when a B2B seller wants to offer net terms without turning finance into a manual credit and collections department. It is built for businesses that need to sell on terms, protect cash flow, and reduce operational friction across receivables.
Resolve Pay is especially useful for:
Resolve Pay is the best fit when the core problem is customer receivables. If your buyers want net terms and your business needs faster cash flow, Resolve Pay brings credit, payment advancement, collections, and AR automation into one platform.
The strongest Resolve Pay use cases include:
For sellers, Resolve Pay is not simply an invoicing tool. It is a B2B payments platform that supports the full net terms lifecycle.
Settle fits a different finance need: vendor payment and procurement management. It can be relevant for product brands that need stronger controls around supplier bills, purchase orders, approvals, and inventory-related cash flow.
A company may evaluate Settle if the priority is managing money going out to vendors. That does not replace the need for Resolve Pay when the priority is offering payment terms to customers and improving seller-side receivables.
Invoiced fits teams that need invoice-to-cash automation, especially around collections, payment communication, and ERP reconciliation. It is relevant when a company wants to improve how invoices are collected and tracked.
Resolve Pay is the better fit when the AR workflow includes net terms financing, buyer credit decisions, and faster seller payment as core requirements.
Resolve Pay, Settle, and Invoiced serve different parts of B2B finance. Settle focuses on accounts payable and vendor payment workflows for product brands. Invoiced focuses on invoice-to-cash automation for finance teams managing receivables and collections. Resolve Pay focuses on the seller-side net terms problem: helping B2B merchants offer flexible payment terms while improving cash flow, automating receivables, and reducing credit risk.
For B2B suppliers, wholesalers, manufacturers, distributors, and ecommerce sellers, Resolve Pay is the strongest fit in this comparison because it connects the full workflow: buyer credit, net terms, invoice advancement, payment acceptance, collections, and reconciliation. It supports the way modern B2B commerce actually works, across ecommerce, ERP systems, accounting tools, sales-led buying, and hybrid workflows.
If your main challenge is that buyers want time to pay but your business needs faster cash flow and cleaner AR operations, Resolve Pay is the platform most directly built for that problem.
Resolve Pay helps B2B sellers offer net terms, manage buyer credit workflows, receive payment faster on approved invoices, and automate accounts receivable. Invoiced focuses on invoice-to-cash automation, including invoice management, payer communication, collections workflows, and ERP reconciliation.
Settle is primarily focused on accounts payable, procurement, vendor payments, and working capital workflows for product and CPG brands. It helps businesses manage outgoing payments to suppliers rather than seller-side net terms for incoming customer receivables.
Yes. Resolve Pay supports embedded net terms workflows for ecommerce and checkout experiences. Sellers can use Resolve Pay to offer business buyers payment terms through ecommerce platforms, sales-led workflows, or custom integrations.
Resolve Pay is best suited for B2B suppliers, wholesalers, manufacturers, distributors, and ecommerce merchants that sell to business buyers on terms. It is especially relevant for companies that want to offer net 30, net 60, or net 90 terms while improving cash flow and automating receivables.
Resolve Pay is a modern B2B payments and net terms platform, not traditional factoring. It combines buyer credit workflows, invoice advancement, payment collection, branded buyer payment experiences, AR automation, and integrations with finance systems.
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.