Resolve Pay, Settle, and Slope often appear in the same B2B payments searches, but they serve different parts of the payment workflow. Resolve Pay is built for B2B sellers that want to offer net terms, improve cash flow, and reduce repayment risk on approved buyer invoices. Settle is designed for brands managing supplier payments, inventory purchasing, and payables workflows. Slope is an API-first B2B payments infrastructure provider for enterprise companies, platforms, wholesalers, and marketplaces that want embedded payment terms and order-to-cash automation.
That distinction matters because “B2B BNPL,” “net terms,” “working capital,” and “embedded payments” are often used interchangeably. A manufacturer, wholesaler, or distributor trying to offer trade credit to customers has a different need than a CPG brand trying to pay suppliers later or a platform trying to build payment terms into its own product.
For B2B sellers, Resolve Pay is the most directly aligned option. Its B2B net terms platform combines credit decisioning, invoice advance payments, accounts receivable workflows, payment reminders, collections support, and ecommerce or ERP integrations in one system. This guide compares Resolve Pay, Settle, and Slope by use case, product focus, integrations, credit workflow, and fit for sellers that want to offer net terms without building a credit operation internally.
Resolve Pay, Settle, and Slope appear in the same searches because the category labels overlap. “B2B BNPL,” “net terms financing,” “working capital,” and “embedded B2B payments” can describe very different products depending on where the company sits in the transaction.
B2B sellers evaluating net payment terms platforms typically encounter all three names during vendor research. The category overlap is real, but the architecture is different. Resolve Pay supports sellers offering payment terms to buyers. Settle supports buyers managing payments to suppliers. Slope supports enterprise companies and platforms embedding B2B payment terms and order-to-cash workflows through software and APIs.
Three questions help frame the comparison:
For manufacturers, wholesalers, distributors, and B2B ecommerce sellers, the core question is usually not “Which B2B payment brand is most recognizable?” The better question is, “Which platform supports our receivables workflow, buyer credit decisions, and cash flow needs?”
Resolve Pay is a B2B payments and net terms platform for sellers. It helps merchants offer flexible payment terms to business buyers while improving cash flow, reducing credit risk, and automating accounts receivable workflows.
Resolve Pay supports seller-side use cases across manufacturing, wholesale, distribution, and B2B ecommerce. The platform can help sellers offer Net 30, Net 60, Net 90, and custom terms, subject to buyer approval. It also supports branded payment portals, payment reminders, collections workflows, and integrations with platforms such as Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite.
Resolve Pay is positioned as a modern alternative to traditional factoring because it combines embedded credit expertise, invoice advancement, and payment workflows in one platform. Its accounts receivable automation helps finance teams streamline credit, invoicing, reconciliation, and collections without relying on manual spreadsheets.
Settle is a finance and inventory platform for CPG and ecommerce brands. It focuses on helping brands plan, purchase, and pay for inventory, with tools for supplier payments, procurement, inventory workflows, and working capital.
Settle is a buyer-side platform. It helps companies manage what they owe to suppliers, rather than helping sellers manage what customers owe them. For brands managing purchase orders, vendor invoices, landed costs, inventory planning, and supplier payments, Settle can help centralize finance and operations workflows.
That makes Settle relevant in B2B payments research, but not directly equivalent to Resolve Pay. A seller that needs to offer customer-facing net terms and automate receivables is solving a different problem than a brand looking to manage payables and inventory purchasing.
Slope is a B2B payments platform for enterprise companies, wholesalers, platforms, and marketplaces. It offers software and APIs for online payments, flexible payment terms, embedded capital, risk assessment, payment reconciliation, and order-to-cash automation.
Slope is infrastructure-oriented. It is suited to companies that want to embed payment terms or payment workflows into their own checkout, marketplace, or commerce platform. Its developer documentation and API-first positioning make it more relevant for teams with technical resources and enterprise implementation requirements.
For a standalone B2B seller, Slope may be relevant when the seller has a more complex infrastructure strategy. For sellers that want a managed net terms and AR workflow without building payment infrastructure internally, Resolve Pay is usually the more direct fit.
B2B sellers often want to offer payment flexibility without turning their finance team into a credit department. Buyers may expect Net 30, Net 60, or Net 90 terms, but sellers still need working capital to cover inventory, payroll, supplier costs, and operating expenses.
Resolve Pay helps close that gap. The platform supports credit decisions, net terms management, invoice advance payments, branded buyer payment portals, reminders, collections workflows, and reconciliation. For sellers, this means payment terms can become part of a structured revenue workflow rather than a manual credit policy managed in spreadsheets.
Settle is built around the buyer side of the transaction. A CPG or ecommerce brand may need to buy inventory, manage supplier invoices, forecast cash needs, and pay vendors through a centralized workflow. Settle helps organize that process with payables, procurement, inventory, and working capital tools.
That can be valuable for companies managing supplier payments, but it is not the same as a seller-side net terms platform. Settle helps a business manage outgoing payments to suppliers. Resolve Pay helps a business offer payment terms to customers and manage incoming receivables.
Slope is designed for enterprise B2B payment infrastructure. Companies using Slope can embed payments, payment terms, and order-to-cash workflows into their own commerce or marketplace systems.
This is a different operating model from a seller-side platform like Resolve Pay. Slope is useful when a company wants infrastructure and APIs. Resolve Pay is designed for sellers that want a payments and receivables platform that connects with their existing ecommerce, ERP, and accounting stack.
|
Feature |
Resolve Pay |
Settle |
Slope |
|---|---|---|---|
|
Primary function |
Seller-side net terms, B2B payments, and AR automation |
Buyer-side payables, inventory, procurement, and working capital |
Enterprise B2B payments infrastructure and order-to-cash automation |
|
Primary user |
Manufacturers, wholesalers, distributors, and B2B ecommerce sellers |
CPG and ecommerce brands managing supplier payments |
Enterprise companies, wholesalers, platforms, and marketplaces |
|
Workflow focus |
Customer credit, invoicing, advance payment, payment reminders, collections, reconciliation |
Supplier payments, purchase orders, inventory planning, cash flow management |
Embedded checkout, payment terms, risk assessment, reconciliation, order-to-cash workflows |
|
Credit workflow |
AI-supported buyer credit decisions and credit line recommendations |
Working capital and supplier payment workflows |
AI-supported risk assessment and embedded payment terms |
|
Payment terms |
Net 30, Net 60, Net 90, and custom terms, subject to buyer approval |
Supplier payment deferral and working capital workflows |
Embedded flexible payment terms through software and APIs |
|
Accounts receivable automation |
Yes, including invoicing, reminders, payment workflows, reconciliation, and collections support |
Primarily accounts payable and inventory workflows |
Order-to-cash automation for enterprise use cases |
|
Buyer payment portal |
Yes, branded portal with ACH, wire, credit card, and check support |
Supplier payment workflow |
Embedded payment experience depends on implementation |
|
Ecommerce integrations |
Shopify, BigCommerce, WooCommerce, Magento, and flexible API options |
Ecommerce and operational integrations for CPG brands |
API-first and enterprise integrations |
|
ERP and accounting integrations |
QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, and others |
Accounting and operations integrations for brand finance teams |
Enterprise implementation-dependent |
|
Best fit |
Sellers offering customer-facing net terms while improving cash flow and receivables operations |
Buyers managing supplier payments, inventory purchases, and working capital |
Platforms and enterprise teams embedding payment terms or order-to-cash infrastructure |
Resolve Pay is purpose-built for B2B sellers that want to offer net terms while keeping receivables, credit, and payment workflows organized. It supports manufacturers, wholesalers, distributors, and B2B ecommerce businesses that need a structured way to offer payment flexibility to customers.
Resolve Pay combines multiple functions that sellers often manage separately:
Resolve Pay’s B2B payments platform supports ACH, wire, credit card, and check payments through a branded portal. Its net terms workflow can help sellers offer payment flexibility while Resolve Pay manages credit assessment, payment reminders, collections workflows, and receivables operations.
Offering net terms manually often requires a seller to check buyer credit, assign limits, track invoices, send reminders, follow up on late payments, and reconcile payments across systems. Resolve Pay brings those workflows into one platform.
This is especially useful for sellers that already have B2B demand but want a more scalable way to manage terms. Instead of treating net terms as a spreadsheet-driven exception, Resolve Pay turns them into a repeatable credit-to-cash workflow.
When sellers extend terms internally, they often wait the full payment period before collecting cash. Resolve Pay’s Advance Pay workflow can provide upfront payment on approved invoices, helping sellers reduce the cash flow gap between order fulfillment and buyer payment.
That matters for manufacturers, wholesalers, and distributors because inventory, freight, supplier payments, and operating expenses usually come due before the buyer’s payment term ends.
Resolve Pay’s AR automation supports invoice workflows, payment reminders, reconciliation, and collections management. This helps finance teams reduce manual follow-up and gives sellers a clearer view of outstanding receivables.
For companies moving away from manual AR processes, Resolve Pay’s payment workflows can help standardize the process across invoice types, including net terms, cash on delivery, and due-upon-receipt invoices.
Resolve Pay’s integration options are important for sellers that already operate through ecommerce storefronts, ERP systems, or accounting tools. The platform supports ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento, along with finance stack integrations such as QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite.
This makes Resolve Pay useful for sellers that want net terms at checkout and automated reconciliation after the sale.
Settle is built for CPG and ecommerce brands managing supplier payments and inventory purchasing. Its platform combines payables, procurement, inventory planning, and working capital workflows so brands can manage vendor payments and operational cash flow from one place.
Settle’s core user is typically a buyer, not a seller. A brand using Settle may need to purchase inventory, manage supplier invoices, coordinate vendor payments, and track cost of goods. Those workflows sit on the accounts payable side of the business.
Settle helps brands manage outgoing supplier obligations. For CPG and ecommerce companies, that can mean coordinating purchase orders, vendor invoices, landed costs, inventory planning, and payment timing.
For a seller comparing Settle with Resolve Pay, the most important distinction is direction of payment. Settle is focused on what a company owes suppliers. Resolve Pay is focused on what a seller is owed by customers and how to turn net terms into a managed receivables workflow.
Slope is a B2B payments platform for enterprise companies, wholesalers, platforms, and marketplaces. It provides software and APIs for online payments, flexible payment terms, risk assessment, payment reconciliation, and order-to-cash automation.
Slope is relevant for companies that want to embed B2B payment workflows into their own platform or checkout experience. Its API-first orientation makes it a fit for teams with technical resources and enterprise implementation requirements.
Slope helps enterprise teams build embedded B2B payment workflows. A marketplace, platform, or large wholesaler may use Slope to add payment terms and related infrastructure to its own commerce experience.
For sellers that want an out-of-the-box net terms and AR automation platform, Resolve Pay is the more direct match.
Resolve Pay is built for B2B sellers that want to offer net terms while keeping cash flow, credit decisions, and receivables operations under control.
Manufacturers and industrial suppliers often sell high-value goods on payment terms. Resolve Pay helps these sellers offer buyer flexibility without building a full internal credit and collections operation.
If your buyers expect payment terms but your business needs more predictable cash flow, Resolve Pay can support credit decisioning, advance payment on approved invoices, payment reminders, and collections workflows.
Wholesalers and distributors often carry inventory costs before customer payments arrive. Resolve Pay’s net terms management helps these sellers offer payment terms while reducing the operational burden of managing receivables manually.
This can be especially useful for distributors with repeat B2B buyers, seasonal purchasing patterns, or large order volumes.
Resolve Pay supports net terms for ecommerce, including checkout workflows for Shopify, BigCommerce, WooCommerce, and Magento. Buyers can apply for terms as part of the purchasing flow, while sellers can connect payment activity to receivables workflows after checkout.
This is useful for ecommerce sellers that want to offer a B2B buying experience without separating checkout, invoicing, credit review, and collections into disconnected systems.
Manual credit workflows can slow down sales and create inconsistent buyer experiences. Resolve Pay helps sellers centralize credit checks, buyer terms, payment reminders, and collections workflows.
For sellers that currently manage buyer approvals through email, spreadsheets, or one-off finance reviews, Resolve Pay provides a more structured way to manage net terms at scale.
Traditional factoring can help businesses access cash from unpaid invoices, but it is not always built around the buyer experience or modern ecommerce workflows. Resolve Pay is positioned as a factoring alternative because it connects buyer credit, net terms, invoice advancement, and payment workflows in one platform.
For sellers that want payment flexibility without handing off the customer experience to a traditional receivables process, Resolve Pay offers a more embedded approach.
For manufacturers, wholesalers, distributors, and B2B ecommerce sellers, Resolve Pay is the most directly aligned choice in this comparison. It supports the full seller-side net terms workflow: buyer credit decisions, flexible payment terms, invoice advance payments, branded payment portals, payment reminders, collections support, and integrations with ecommerce, ERP, and accounting systems.
The strongest reason to choose Resolve Pay is focus. It is built around the seller’s credit-to-cash problem. Instead of asking finance teams to manually underwrite buyers, track invoices, chase late payments, and reconcile payments across disconnected systems, Resolve Pay turns net terms into a connected workflow.
For B2B sellers that want to grow sales, support buyer payment flexibility, and reduce receivables complexity, see how Resolve Pay works.
Resolve Pay and Settle serve different sides of the B2B payment workflow. Resolve Pay helps sellers offer net terms to customers, manage buyer credit decisions, receive advance payment on approved invoices, and automate accounts receivable workflows. Settle helps CPG and ecommerce brands manage supplier payments, procurement, inventory, and payables workflows.
Resolve Pay is a seller-side net terms and AR automation platform for B2B merchants. Slope is a B2B payments infrastructure platform for enterprise companies, wholesalers, platforms, and marketplaces that want embedded payment terms and order-to-cash automation through software and APIs. Resolve Pay is the more direct fit for sellers that want a managed net terms workflow connected to ecommerce, ERP, and accounting systems.
Resolve Pay helps sellers offer Net 30, Net 60, Net 90, and custom terms to approved buyers. The platform supports credit decisioning, invoice advance payments, branded payment portals, payment reminders, collections workflows, and reconciliation. Buyer credit lines and payment terms are subject to verification and approval.
Yes. Resolve Pay supports ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento, along with finance stack integrations such as QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Resolve Pay also offers flexible API options for custom ecommerce implementations.
Resolve Pay is designed for B2B sellers such as manufacturers, wholesalers, distributors, and ecommerce merchants. It is especially relevant for businesses that want to offer payment terms to buyers, improve cash flow, reduce manual receivables work, and connect net terms workflows to their existing ecommerce, ERP, or accounting 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.