Sep 18, 2026
Selecting the right B2B payment and net terms platform directly impacts your cash flow, credit risk exposure, and operational efficiency. While Slope focuses on API-first embedded financing for enterprise marketplaces and Playter serves UK SMEs with unsecured business lending, Resolve Pay delivers comprehensive net terms financing with non-recourse protection, full AR automation, and native integrations for North American manufacturers, distributors, and wholesalers.
Understanding these fundamental differences helps B2B sellers choose the platform that aligns with their growth objectives, risk tolerance, and geographic focus. Each platform serves distinct markets and operational models, making it essential to evaluate which solution fits your existing commerce workflows, accounting systems, and customer payment expectations.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, allowing sellers to keep advances even if approved buyers default, while Slope's financing structure varies by program and Playter provides unsecured business lending where the borrowing business repays its facility
- Resolve Pay serves 15,000+ B2B businesses across North America and supports AI-powered credit decisioning, including real-time decisions for eligible buyers and some assessments within 24 business hours
- Resolve Pay provides pre-built integrations for Shopify, BigCommerce, Magento, and WooCommerce, along with connections for NetSuite, QuickBooks Online, Xero, and Sage Intacct, while Slope supports API-driven integrations as well as low-code and no-code checkout options
- Resolve Pay won the 2025 BigCommerce Innovative Integration Award for its B2B Edition checkout-embedded net terms capabilities
- Agentic collections through Resolve Pay uses AI-powered multi-channel sequences across email, SMS, and voice to automate follow-ups while preserving customer relationships
- Playter operates exclusively in the UK market as part of Shawbrook Bank's unsecured business lending portfolio, while Resolve Pay and Slope both serve North American companies
- Resolve Pay combines credit decisioning, non-recourse invoice advances, AR automation, collections, and native integrations in a single platform designed for B2B sellers
Understanding the B2B Payments Landscape: Net Terms, Invoice Financing, and Embedded Payments
The B2B payments market includes different solution types built for different operating models, growth stages, and business needs.
Net Terms and B2B BNPL
Platforms like Resolve Pay help sellers offer Net 30, 60, or 90 terms while receiving faster cash advances.
Resolve Pay combines:
- Credit risk management on approved transactions
- Collections
- Accounts receivable automation
- Faster access to cash
This model is designed for manufacturers, distributors, and wholesalers that want to extend payment flexibility without putting additional pressure on working capital.
Embedded Financing Platforms
API-first platforms like Slope provide financing infrastructure for marketplaces and platforms that want to embed B2B financing into checkout.
Their focus is typically on:
- Custom payment workflows
- Technical flexibility
- Enterprise implementation
- Scalability for high-volume platforms
SME Lending Platforms
UK SME lending platforms like Playter focus on unsecured business funding.
Following its acquisition by Shawbrook, Playter became the group's platform for new unsecured business lending applications, including:
- Short-term cash flow facilities
- Working capital
- VAT funding
- Longer-term business lending
The Key Difference
The main distinction is who bears credit risk and which workflows are automated.
Factoring may use recourse or non-recourse structures. Non-recourse financing through Resolve Pay allows sellers to receive advances on approved invoices while Resolve assumes the applicable buyer credit risk under the program.
Resolve Pay: Non-Recourse Net Terms and AR Automation for North American B2B Sellers
Platform Overview and Market Position
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. The platform combines net terms financing, AI-powered credit decisioning, accounts receivable automation, and agentic collections in a single integrated solution.
Resolve Pay is an Affirm spinout that has raised $60 million in funding and now serves more than 15,000 B2B businesses. The company won the 2025 BigCommerce Innovative Integration Award for its B2B checkout capabilities.
Core Product Capabilities
Net Terms Financing (Advance Pay)
Resolve Pay can advance up to 100% on approved net terms invoices, with the applicable advance amount determined by the buyer's credit profile and program structure. Funding on approved advances can arrive within 24 hours or approximately 1-2 business days, depending on the workflow. Resolve Pay's eligible advances are non-recourse.
Resolve Pay uses non-recourse financing for approved advances, so eligible sellers are not required to repay an advance solely because an approved buyer fails to pay. This structure can help reduce seller exposure to buyer credit risk while supporting cash flow. Rather than bearing the credit risk internally or purchasing trade credit insurance, sellers working with Resolve Pay can transfer that exposure.
AI Credit Engine (Smart Credit)
The proprietary business credit check system evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Resolve Pay's proprietary AI evaluates thousands of buyer data points and can provide real-time credit decisions for eligible buyers, while some credit assessments may be completed within 24 business hours.
Dynamic credit lines adjust based on payment history, rewarding reliable buyers with increased purchasing power while protecting sellers from overextension. Quiet credit checks mean buyers receive no notification and experience no credit score impact.
AR Automation Platform
The accounts receivable platform automates invoice generation, payment reminders, reconciliation, and cash application. Two-way ERP sync with QuickBooks, Xero, Sage Intacct, and NetSuite eliminates manual data entry and ensures accurate financial records.
Real-time dashboards display DSO metrics, aging reports, and portfolio health, giving finance teams visibility without spreadsheet management. Customer testimonials report workload reduction of at least 90% after implementing Resolve Pay's automation.
Agentic Collections
Agentic collections uses AI-powered multi-channel sequences across email, SMS, and voice AI to automate payment follow-ups. Intelligent escalation adjusts outreach based on buyer response patterns and payment history.
The system pauses automatically when payments or disputes arrive, logs all interactions to invoice records, and preserves customer relationships through professional, friendly communication. This hybrid model combining AI and human agents maintains quality while reducing manual collections work.
White-Label Payment Portal
The branded buyer dashboard displays invoices, credit lines, and payment history while accepting ACH, wire transfer, credit card, and check payments. Self-serve capabilities let buyers manage payment plans and flag disputes without requiring seller intervention.
Integration Ecosystem
Resolve Pay provides pre-built integrations for Shopify, BigCommerce, Magento, and WooCommerce, along with connections for NetSuite, QuickBooks Online, Xero, and Sage Intacct:
- Ecommerce: Shopify, BigCommerce, Magento 2, WooCommerce
- Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, NetSuite
- Payments: Branded buyer payment workflows supporting ACH, wire, credit card, and check
Resolve Pay states that most teams launch in under one week. Its pre-built integrations across major ecommerce, ERP, and accounting systems can simplify deployment, while API support remains available for more customized workflows. REST API with webhooks and sandbox environment supports custom integrations for unique workflows.
Target Industries and Customer Success
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue across manufacturing, wholesale distribution, and supply industries. The U.S. Chamber of Commerce notes that offering net terms can help B2B companies differentiate themselves from competitors while supporting stronger customer relationships. Primary verticals include HVAC parts distribution, electrical supplies, plumbing supplies, industrial fasteners, safety equipment, building materials, and medical device distribution.
Notable customer outcomes demonstrate the platform's impact:
- SS&SI Dealer Network: 5x revenue growth
- ConEquip (construction equipment): 30% year-over-year growth
- Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours
- Trenchless Supply: Reduced AR workload by 90%, credit approvals under 24 hours
- Elston Materials: Increased margins from 25% to 30%
Slope: API-First Embedded Financing for Enterprise Platforms
Platform Overview
Slope positions itself as an API-first embedded payments platform serving enterprise B2B companies, marketplaces, and platforms. The company has raised $252 million in total funding including $77 million in equity and $175 million in debt, with a $65 million strategic round led by J.P. Morgan Payments in July 2024.
Founded in 2021 by Y Combinator alumni Alice Deng and Lawrence Murata, Slope serves B2B businesses in the US and Mexico. Strategic partnerships include J.P. Morgan Payments, Alibaba.com, and Walmart Marketplace.
Core Capabilities
Slope provides AI-powered underwriting using proprietary models with cash-flow-based credit scoring. Slope states that the majority of its decisions are made instantly through its SlopeScore system.
The platform offers Net 30 and Net 60 terms plus installment options. Financing structures vary by program, with different risk allocation options available depending on specific partnership configurations.
Slope is API-focused but also documents JavaScript, low-code, no-code, and offline integration options. Its architecture supports enterprise embedded-finance workflows, while Resolve Pay combines flexible APIs with pre-built ecommerce, ERP, and accounting integrations for B2B sellers.
Market Position
Slope serves enterprise marketplaces and platforms building embedded financing infrastructure. The J.P. Morgan Payments partnership provides institutional credibility and access to banking infrastructure that supports large-scale deployments. The platform is oriented toward embedded B2B payment and financing infrastructure for enterprise merchants, wholesalers, marketplaces, and platforms, with API as well as low-code and no-code integration options.
Playter: UK-Focused SME Business Lending
Platform Overview
Playter operates as a UK-focused SME financing platform now owned by Shawbrook Bank. Shawbrook states that Playter has delivered more than £100 million in lending to UK SMEs since launching in 2021.
Founded in 2020-2021 by Jamie Beaumont in London, Playter focuses exclusively on UK SMEs. Following the acquisition, Shawbrook expanded Playter's role within its UK SME lending portfolio. From May 2026, new Shawbrook unsecured business lending applications are originated through the Playter platform.
Core Capabilities
Following its acquisition by Shawbrook, Playter has expanded into a broader unsecured business lending platform for established UK SMEs. Its current offering includes:
- Short-term cash flow loans
- Credit lines
- VAT funding
- Working capital facilities
- Term loans extending from three months to five years
Shawbrook states that Playter uses automated workflows and Open Banking integrations and can deliver credit decisions within 24 hours. This lending model is structurally different from Resolve Pay's seller-focused net terms financing and AR automation platform.
Because Playter provides unsecured business lending, the borrowing business remains responsible for repayment under its agreed loan terms. Integration options include Xero connectivity for UK accounting workflows.
Geographic Focus
Playter serves UK SMEs exclusively with no expansion into North American markets. This geographic restriction makes Playter unsuitable for US-based manufacturers, distributors, or wholesalers seeking net terms financing or AR automation. Playter is focused on unsecured business lending for established UK SMEs, including cash flow facilities, credit lines, VAT funding, working capital, and longer-term business loans.
Feature Comparison: Credit Decisioning and Risk Management
When evaluating B2B payment platforms, understanding how each handles credit decisions and risk allocation helps sellers assess operational fit:
Resolve Pay:
- Real-time credit decisions for eligible buyers; some assessments within 24 business hours
- Non-recourse advances on eligible approved invoices
- Thousands of buyer data points evaluated
- Dynamic credit lines that adjust based on payment history
Slope:
- Majority of decisions made instantly
- Financing structure varies by program
- AI underwriting with SlopeScore
- Cash-flow-based credit scoring
Playter:
- Credit decisions can be delivered within 24 hours
- Borrower repays unsecured business lending facility
- Open Banking integration
- Automated workflows for UK SMEs
Feature Comparison: Payment Terms and Funding
Geographic coverage and payment term structures vary significantly across platforms:
Resolve Pay:
- Terms: Net 15, 30, 60, 90
- Advance structure: Up to 100% on eligible approved invoices, depending on buyer and program
- Funding speed: 24 hours or approximately 1-2 business days depending on workflow
- Coverage: US and Canada
Slope:
- Terms: Net terms and installment structures vary by program
- Advance structure: Varies by program
- Funding: Same-day ACH available
- Coverage: US and Mexico
Playter:
- Terms: Short-term facilities and term loans from 3 months to 5 years
- Structure: Business lending rather than seller invoice advances
- Funding: 24 hours
- Coverage: UK only
Feature Comparison: AR Automation and Collections
Workflow automation capabilities differ based on each platform's primary focus:
Resolve Pay:
- Full invoice automation including generation, reminders, and reconciliation
- AI-powered agentic collections
- White-label branded payment portal
- ML-powered cash application matching
Slope:
- Order-to-cash capabilities via API
- Included in O2C suite
- API-customizable payment workflows
- Integrated cash application
Playter:
- Lending-focused rather than AR automation
- Integration with Xero for UK accounting
- Business lending repayment workflows
- Open Banking connectivity
Feature Comparison: Integration Depth
Integration options reflect each platform's target market and technical approach:
Resolve Pay:
- Ecommerce: Shopify, BigCommerce, Magento, WooCommerce (native pre-built connectors)
- ERP/Accounting: NetSuite, QuickBooks, Xero, Sage Intacct (two-way sync)
- API: Documented REST API with webhooks and sandbox
- Implementation: Days to 1 week using pre-built connectors
Slope:
- Ecommerce: API, JavaScript, low-code, and no-code checkout options
- ERP/Accounting: API integration
- API: Primary integration method with full documentation
- Implementation: Varies by integration approach
Playter:
- Ecommerce: Not a primary focus
- ERP/Accounting: Xero integration for UK businesses
- API: Available for lending workflows
- Implementation: UK SME lending focus
Resolve Pay combines pre-built ecommerce and accounting integrations with API support, giving B2B sellers multiple ways to connect net terms, payments, and AR workflows with their existing systems.
How Resolve Pay Fits B2B Seller Workflows
Where Resolve Pay Fits
US/Canada B2B Net Terms with Risk Protection
Manufacturers, distributors, and wholesalers extending Net 30, 60, or 90 terms benefit from Resolve Pay's non-recourse financing that helps reduce bad debt exposure while providing cash flow support.
Complete AR Automation
Businesses seeking to reduce manual accounts receivable work gain comprehensive workflow automation from credit check through cash application and collections. Customer testimonials report workload reduction of at least 90% after implementing Resolve Pay's automation.
Native Ecommerce Integration
B2B ecommerce sellers on Shopify, BigCommerce, Magento, or WooCommerce can add checkout-embedded net terms using pre-built connectors.
ERP-Connected Workflows
Companies using NetSuite, QuickBooks, Xero, or Sage Intacct benefit from two-way sync that automates invoice creation and payment reconciliation.
Mid-Market B2B Growth
Businesses with $1M+ annual revenue in manufacturing, distribution, or wholesale verticals find Resolve Pay's feature depth aligned with their operational scale and growth objectives.
How The Alternatives Differ
Slope is oriented toward embedded B2B payment and financing infrastructure for enterprise merchants, wholesalers, marketplaces, and platforms, with API as well as low-code and no-code integration options.
Playter is focused on unsecured business lending for established UK SMEs, including cash flow facilities, credit lines, VAT funding, working capital, and longer-term business loans.
Resolve Pay is designed around the seller-side net terms and accounts receivable workflow, combining credit decisioning, non-recourse invoice advances, AR automation, collections, buyer payment experiences, and integrations for B2B merchants.
Why Resolve Pay for North American B2B Sellers
Non-Recourse Protection Built In
Factoring arrangements may be either recourse or non-recourse. Resolve Pay's non-recourse model is designed so that eligible advances on approved invoices remain with the seller if the approved buyer fails to pay, subject to Resolve Pay's applicable terms. This protection proves particularly valuable when extending terms to new buyers or expanding into unfamiliar markets.
Comprehensive Platform Integration
Resolve Pay combines credit decisioning, net terms financing, AR automation, and collections in a single integrated platform designed for B2B sellers. The integrated approach reduces tool sprawl, eliminates data silos, and provides unified visibility across the entire order-to-cash cycle.
Speed to Value
Pre-built integrations across major ecommerce platforms and accounting systems enable rapid deployment. The BigCommerce integration exemplifies this approach, embedding net terms directly into checkout flows.
Proven Scale and Industry Recognition
With 15,000+ active B2B businesses on the platform, Resolve Pay demonstrates operational scale and reliability. The 2025 BigCommerce Innovative Integration Award validates the platform's technical excellence in B2B ecommerce workflows.
Customer success stories across diverse industries show consistent patterns: revenue growth, reductions in AR workload, and accelerated cash flow that enables business expansion.
AI-Powered Collections That Preserve Relationships
Agentic collections automates payment follow-up through multi-channel sequences while maintaining professional communication. The system pauses automatically when payments arrive, logs all interactions, and escalates intelligently based on response patterns.
Implementation Considerations
Getting Started with Resolve Pay
Teams typically follow this path to launch:
- Discovery: Review product capabilities and discuss business requirements
- Integration Setup: Connect ecommerce platform and/or accounting system using pre-built connectors
- Credit Policy Configuration: Establish approval parameters and credit limits
- Buyer Onboarding: Begin offering net terms to business customers
- Ongoing Optimization: Monitor dashboards and refine approach based on results
Most implementations complete within one week using native integrations. Custom API implementations for unique workflows may extend timelines but benefit from documented developer resources.
Transitioning from Traditional Processes
Businesses moving from a traditional receivables process to Resolve Pay can combine non-recourse invoice advances with integrated AR workflows, a branded buyer experience, automated collections, and faster credit decisioning in one platform.
The transition preserves existing customer relationships while upgrading operational capabilities and workflow automation.
Frequently Asked Questions
What Makes Resolve Pay's Non-Recourse Financing Different?
Factoring arrangements may be either recourse or non-recourse. Resolve Pay's non-recourse model is designed so that eligible advances on approved invoices remain with the seller if the approved buyer fails to pay, subject to applicable terms. This structure helps reduce seller exposure to buyer credit risk while supporting cash flow for manufacturers, distributors, and wholesalers.
Can Resolve Pay Integrate with Existing Systems?
Yes. Resolve Pay provides native integrations with NetSuite, QuickBooks Online, Xero, and Sage Intacct for accounting. Ecommerce connectors support Shopify, BigCommerce, Magento 2, and WooCommerce. Most teams launch within one week using pre-built connectors, while REST API with webhooks supports custom workflows.
How Does Resolve Pay's AI Credit Engine Work?
Resolve Pay's credit engine evaluates thousands of buyer data points, including cash flow trends and behavioral signals, to support scalable credit decisions. Eligible buyers may receive real-time decisions, while some assessments are completed within 24 business hours. Dynamic credit lines adjust based on payment history, rewarding reliable buyers while protecting sellers.
Who Is Resolve Pay Designed For?
Resolve Pay is designed for B2B merchants, manufacturers, wholesalers, and distributors that want to offer net terms while improving cash flow, automating receivables, and reducing exposure to buyer credit risk. The platform is particularly relevant to businesses seeking integrated credit decisioning, invoice advances, collections, and payment workflows across ecommerce and ERP systems.
How Does Resolve Pay Handle Collections?
Agentic collections uses AI-powered multi-channel sequences across email, SMS, and voice with intelligent escalation based on buyer response patterns. The system maintains professional communication that preserves relationships while automating follow-up. Automatic pause when payments arrive and complete interaction logging ensure appropriate handling throughout the collections process, reducing manual work while maintaining effectiveness.
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.
