Selecting the right B2B payment platform determines how efficiently your business can offer net terms, manage accounts receivable, and maintain healthy cash flow. While Slope provides embedded B2B payment and financing infrastructure, Apruve was acquired by TreviPay in 2022 and its capabilities now sit within TreviPay's broader B2B payments and invoicing ecosystem. Resolve Pay delivers a comprehensive platform combining non-recourse net terms financing, AI-powered AR automation, and agentic collections in a single integrated solution.
Understanding these fundamental differences helps mid-market manufacturers, wholesalers, and distributors select the approach that matches their cash flow objectives, risk tolerance, and operational requirements. Each platform serves different use cases: embedded payment workflows for platforms and marketplaces, global enterprise trade credit programs, or turnkey net terms solutions for North American B2B suppliers.
The B2B payments landscape encompasses several distinct categories, each serving different operational models and business objectives. Modern B2B payment platforms go beyond simple payment processing to address the complete order-to-cash cycle, typically handling credit assessment, net terms management, invoice generation, payment collection, and reconciliation.
Implementing a comprehensive B2B payment solution delivers measurable benefits across multiple dimensions:
The market has evolved from point solutions addressing individual pain points to integrated platforms managing the entire accounts receivable workflow. This evolution reflects growing recognition that disconnected tools create inefficiencies, data silos, and reconciliation challenges.
Resolve Pay delivers a unified platform purpose-built for mid-market B2B suppliers, combining credit decisioning, net terms financing, AR automation, payment workflows, and collections. The platform serves manufacturers, wholesalers, and distributors across industries including HVAC, electrical, plumbing, industrial equipment, and medical device distribution.
Non-Recourse Net Terms Financing
Resolve Pay provides non-recourse financing for eligible approved invoices. Sellers can offer Net 30, 60, or 90 terms to approved buyers while receiving advances within approximately one business day. For covered defaults, sellers generally retain their advance subject to the applicable program terms, helping protect cash flow from qualifying credit losses.
AI-Powered Credit Decisioning
The platform's credit engine evaluates buyer data including cash flow trends, payment history, and behavioral signals to deliver credit decisions, with qualified buyers potentially receiving decisions rapidly. Response times under 24 hours enable same-day approvals for qualified buyers. The quiet credit check approach means buyers receive approval without credit score impact or notification.
Accounts Receivable Automation
Accounts receivable automation transforms manual processes through automated invoice generation, smart payment reminders, AI-powered reconciliation, real-time dashboards, and two-way ERP sync. Customers report up to 90% reduction in manual AR workload. The platform handles invoice generation, payment reminders, reconciliation, and collections through a unified interface.
Agentic Collections
The agentic collections system orchestrates multi-channel follow-up sequences across email, SMS, and voice AI. Automated reminders go out based on configurable schedules, with the system pausing automatically when payments or disputes are received. This approach preserves customer relationships through professional, consistent communication while reducing DSO.
Resolve Pay supports integrations across major business systems:
The bi-directional sync ensures data flows between systems automatically, eliminating manual reconciliation. Changes in the ERP reflect in Resolve Pay, and payment data syncs back to accounting systems.
Resolve Pay launched as a B2B-focused spinout from Affirm. Its founding background brought experience in digital credit, underwriting, and payment workflows that the company adapted specifically for business-to-business commerce. The company announced $60 million in combined asset and equity financing in May 2021, followed by a $25 million equity funding round in December 2021.
Recognition includes the 2025 BigCommerce Innovative Integration Award. Customer outcomes demonstrate platform maturity, with businesses achieving revenue growth ranging from 30% to 300% while improving credit approval speed and AR efficiency.
Slope provides APIs, SDK-based options, and low-code or no-code integration paths for embedded payment and financing workflows. The platform focuses on enabling platforms, marketplaces, and software companies to build B2B payment capabilities directly into their own products.
Embedded Financing
Slope offers embedded short-term financing that can provide merchants with upfront payment while buyers receive extended terms. Program structures vary based on the specific financing arrangement. The exact allocation of risk depends on the applicable financing program and agreement.
API-First Architecture
The platform emphasizes flexible integration options designed for custom implementations. Slope provides API, SDK, low-code, and no-code options, with implementation requirements varying by use case. This approach suits platforms and marketplaces building payment infrastructure into their own products.
Multi-Channel Applications
Slope's infrastructure supports various B2B commerce models, including marketplace transactions, platform payments, and software-embedded financing. The focus on embedded finance makes the platform particularly relevant for technology companies adding payment layers to existing products.
Apruve was acquired by TreviPay in 2022. Current international payment, trade credit, and invoicing capabilities should therefore be evaluated as part of the broader TreviPay platform. TreviPay supports enterprise integrations, APIs, ecommerce connections, and international B2B payment programs across multiple countries and currencies.
TreviPay's platform serves businesses with multinational operations, supporting trade credit and invoicing workflows across different regulatory environments and currencies. The acquisition of Apruve expanded TreviPay's B2B payment capabilities and merchant network.
The combined platform emphasizes enterprise-scale deployments with requirements spanning multiple geographies. TreviPay provides enterprise ERP support and integrations designed for larger organizations with complex, cross-border payment needs.
Credit risk handling represents one of the most significant differences among B2B payment platforms. Understanding how each approach structures underwriting, merchant payment, and responsibility for buyer non-payment helps businesses evaluate the actual cost and risk profile of each solution.
Resolve Pay provides non-recourse protection on eligible approved invoices under its applicable terms. For covered buyer defaults, sellers generally retain their advance, helping protect cash flow from qualifying credit losses. This structure separates liquidity benefits from credit risk exposure.
Slope offers merchant upfront payment through embedded financing, with specific risk terms depending on the applicable program. The platform can help merchants receive payment while buyers get extended terms, with the financing structure determined by the agreement.
TreviPay handles credit underwriting and payment facilitation through its global B2B platform. Enterprise credit programs can be structured based on business requirements and operational scope.
All three platforms use data-driven credit assessment, though with different implementation focuses. Resolve Pay's AI credit engine delivers decisions rapidly for mid-market B2B transactions. Slope's infrastructure enables platforms to embed credit decisioning within their own products. TreviPay's enterprise focus addresses complex multinational credit evaluation requirements.
According to the National Association of Credit Management, effective B2B credit management can reduce Days Sales Outstanding (DSO) by 15-30%, significantly improving working capital efficiency.
Resolve Pay delivers comprehensive AR automation including:
Customers report up to 90% reduction in manual AR workload. The automation layer handles routine follow-ups and payment processing that previously required dedicated AR personnel.
Slope's embedded approach enables platforms to incorporate payment tracking and reminders within their own interfaces. The infrastructure supports programmatic management of payment workflows as part of the broader platform experience.
TreviPay provides AR management features designed for enterprise-scale operations, including multi-currency reconciliation and international payment tracking. The platform addresses complexity associated with cross-border invoicing and collections.
Integration capabilities determine how seamlessly a platform fits within existing workflows. Implementation timelines vary by platform, integration method, and configuration requirements.
Resolve Pay supports integrations across major business systems with two-way sync ensuring automatic reconciliation:
The platform also provides REST APIs with webhooks and sandbox environments for custom workflows. Many teams launch in under a week, while implementation time varies based on integration and configuration requirements.
Slope provides API, SDK, low-code, and no-code options. Implementation requirements depend on the merchant's chosen configuration and whether the deployment is embedded within a larger platform or implemented as a direct merchant integration.
TreviPay supports enterprise integrations including ERP connections, ecommerce platforms, and API access. The acquired Apruve technology contributes to the broader integration ecosystem, though current capabilities should be evaluated as part of the unified TreviPay platform.
Payment processing capabilities determine how buyers can pay and how those payments reconcile to accounting systems. Each platform structures the buyer experience differently based on its primary use case.
Resolve Pay offers a white-labeled payment portal accepting:
The portal maintains seller branding throughout the buyer experience. Customers see the company name rather than a third-party payment processor. Two-way ERP sync ensures payments reconcile automatically without manual entry.
For ecommerce operations, Resolve Pay's embedded checkout integrations enable net terms at point of purchase. Buyers can apply for credit and receive approval during checkout, converting to terms-based purchases without leaving the buying experience.
Slope's infrastructure enables platforms to embed payment and financing options directly within their own checkout flows. This approach maintains the platform's branded experience while providing backend payment and financing processing.
TreviPay handles payments across multiple currencies and payment methods based on local market requirements. The platform's international focus supports region-specific payment preferences and regulatory requirements.
Resolve Pay brings credit decisioning, net terms financing, AR automation, payment workflows, and collections into a unified platform for B2B sellers. Its integration options support common ecommerce, accounting, and ERP environments while flexible APIs accommodate more customized workflows.
Key capabilities include:
Slope and the TreviPay platform represent different approaches to B2B payment infrastructure. Resolve Pay's model brings net terms financing, credit decisioning, AR automation, payments, and collections together for suppliers that want these workflows managed through one connected platform.
Resolve Pay combines net terms, buyer credit decisioning, accounts receivable automation, payment workflows, reconciliation, and collections. This gives B2B sellers a connected way to manage the credit-to-cash process while offering buyers flexible payment terms.
Resolve Pay provides non-recourse protection on eligible approved invoices. For covered buyer defaults, sellers generally retain their advance subject to the applicable program terms, helping protect cash flow from qualifying credit losses.
Resolve Pay supports integrations with major business systems including QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs and webhooks are also available for customized workflows.
Resolve Pay uses AI-supported underwriting to evaluate buyer information and generate credit decisions, with qualified buyers potentially receiving decisions rapidly. Its Agentic Collections platform coordinates automated email, SMS, and voice AI outreach, applies configurable escalation rules, and pauses sequences when payments or disputes are received.
Implementation depends on the company's ecommerce, ERP, accounting, and workflow requirements. Resolve Pay states that many teams can launch in under a week, while its ecommerce integration documentation notes that simpler setups can take considerably less time.
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.