Selecting the right B2B payment platform determines whether your business can offer competitive net terms while maintaining healthy cash flow. While Slope provides embedded credit and financing infrastructure for enterprise platforms, and Two operates across multiple markets with rapid credit decisioning, Resolve Pay delivers a complete B2B payments solution combining non-recourse net terms financing on eligible approved invoices, AI-powered credit decisioning, and comprehensive AR automation for manufacturers and distributors. Understanding these fundamental differences helps mid-market B2B sellers choose the platform that matches their operational needs, risk tolerance, and growth objectives.
When B2B suppliers evaluate payment platforms for offering net terms to business customers, the choice between integrated solutions, API-first infrastructure, and multi-market tools becomes critical. Three platforms represent distinct approaches to solving cash flow challenges while managing credit risk. This comparison reveals why Resolve Pay's integrated approach delivers measurable results for US-based mid-market B2B sellers who need cash flow protection, streamlined deployment, and transparent operations.
The landscape of B2B payments extends far beyond simple invoice generation and payment collection. Modern manufacturers, distributors, and wholesalers face a complex challenge: business buyers expect flexible payment terms while sellers need predictable cash flow to fund operations and growth.
Traditional approaches forced B2B sellers into difficult tradeoffs. Offering net terms meant waiting 30, 60, or even 90 days for payment while tying up working capital. Refusing net terms meant losing sales to competitors who extended credit. Invoice factoring provided cash flow relief but often operated with recourse, meaning the seller may remain responsible when a customer fails to pay.
The emergence of B2B payment platforms transformed this equation by separating three critical functions:
Resolve Pay integrates all three functions into a unified platform. Sellers offer Net 30, 60, or 90 terms to approved buyers while receiving up to 90-100% of invoice value within 1-2 business days. The platform offers non-recourse advances on eligible approved invoices, helping sellers reduce covered buyer non-payment exposure.
This integrated approach contrasts with platforms requiring coordination across multiple systems. Resolve Pay combines credit decisioning, eligible invoice advances, payments, AR automation, and collections within a unified seller-focused platform. Slope provides embedded credit and order-to-cash infrastructure for enterprise use cases, while Two combines B2B checkout, credit and fraud decisioning, upfront merchant payments, invoicing, and collections across multiple markets.
Consumer BNPL services from companies like Affirm and Klarna trained buyers to expect flexible payment options at checkout. This expectation has migrated into B2B transactions where businesses increasingly demand similar flexibility when purchasing supplies, equipment, and inventory.
B2B BNPL differs from consumer applications in several critical ways:
Resolve Pay emerged as a spinout from Affirm, bringing consumer BNPL expertise to B2B transactions. The platform's founding team includes former executives from Affirm, PayPal, and Amazon who understood how to adapt flexible payment experiences for commercial buyers.
B2B BNPL platforms can create value by allowing sellers to extend flexible payment terms while improving cash-flow predictability and supporting larger purchasing opportunities. Customer results demonstrate this value creation. Archipelago Lighting tripled revenue after implementing Resolve Pay, while reducing net terms approval time from 10 days to 24 hours. The ability to offer higher credit limits enabled larger orders from qualified buyers.
Credit evaluation represents the gateway between lost sales and profitable customer relationships. Traditional B2B credit processes involved manual trade reference calls, spreadsheet tracking, and days or weeks of waiting before approving new customers.
Modern AI-powered credit engines transform this bottleneck into a competitive advantage. Resolve Pay's proprietary AI evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions in under 24 hours, with instant approvals available for some purchases up to $25,000.
The buyer experience matters as much as speed. Resolve Pay conducts credit checks that do not notify buyers or impact their credit scores. This approach removes friction from the purchasing process while providing sellers with accurate risk assessment.
Slope utilizes AI-powered underwriting through systems including SlopeAI and related technologies. Two employs its Delphi and Frida AI engines for credit decisions, with rapid approval capabilities and substantial credit limits.
Resolve Pay combines fast credit decisioning with non-recourse advances on eligible approved invoices, helping sellers improve cash flow while reducing covered buyer non-payment exposure.
The distinction between recourse and non-recourse financing fundamentally changes the risk equation for B2B sellers.
Traditional invoice factoring often operates with recourse. This can improve near-term liquidity while leaving the seller exposed to contractual repayment obligations and collection risk depending on the factoring agreement.
Non-recourse financing shifts defined credit risk to the financing provider. Resolve Pay advances up to 90% of invoice value within 1-2 business days, with the remaining 10% released when buyers pay. The platform offers non-recourse protection on eligible approved advances.
Non-recourse structures can provide additional value by reducing defined buyer non-payment exposure on eligible approved invoices.
Resolve Pay:
Slope:
Two:
For US-based manufacturers and distributors seeking upfront liquidity and reduced covered buyer non-payment exposure, Resolve Pay combines non-recourse advances with integrated AR workflows.
Manual AR processes drain resources while creating inconsistent customer experiences. Finance teams spend hours generating invoices, sending reminders, reconciling payments, and chasing collections. These activities consume time better spent on strategic work while introducing errors and delays.
AR automation software transforms these manual workflows into systematic processes. Resolve Pay's platform handles the complete AR lifecycle:
The productivity impact can be substantial. Trenchless Supply reported a 90% reduction in AR workload while achieving credit approvals in under 24 hours after adopting Resolve Pay.
Integration depth determines automation effectiveness. Resolve Pay's current technical documentation supports low-code and no-code ERP integrations with QuickBooks Online and NetSuite, alongside API and data import/export options for additional systems.
The contrast with other platforms highlights different approaches. Slope emphasizes API-based embedded payment and credit infrastructure, with implementation requirements depending on the product and enterprise environment. Two offers ecommerce plugins as well as API-based integration options.
Collections represent a sensitive balance between recovering revenue and preserving customer relationships. Aggressive tactics damage long-term partnerships while passive approaches let receivables age and deteriorate.
Agentic Collections from Resolve Pay applies AI to this challenge through multi-channel automated sequences. The system deploys email, SMS, and voice AI outbound calls in configurable day thresholds, with intelligent escalation based on buyer response and payment history.
Key capabilities include:
The hybrid model combining AI and human agents distinguishes this approach. AI handles routine follow-ups while escalating complex situations to expert AR teams. This structure maintains efficiency while ensuring appropriate handling of sensitive accounts.
Customers using Resolve Pay report average DSO reduction of 15-20 days, with some achieving DSO reduction from 60+ days to as little as 1 day through the combination of advance payments and automated collections.
RentAll Construction noted quicker receivables directly contributing to healthier cash flow management after implementing the platform. This outcome reflects the dual benefit of immediate advances plus automated follow-up ensuring buyer payments arrive on schedule.
Dynamic credit lines create ongoing relationships rather than one-time transactions. As buyers demonstrate payment reliability, expanding their credit limits encourages larger orders while rewarding good behavior.
Resolve Pay's AI Credit Engine provides dynamic credit lines that adjust based on payment history. Initial limits reflect risk assessment at onboarding, with automatic adjustments as the system observes actual payment behavior.
This approach benefits both parties:
For sellers:
For buyers:
The credit infrastructure connects directly to Resolve Pay's financing capability. Eligible approved invoices can qualify for non-recourse advances, helping sellers extend terms while reducing defined buyer non-payment exposure.
Case studies illustrate this advantage. Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently. The platform enabled competitive positioning without corresponding balance sheet risk.
Resolve Pay serves mid-market B2B sellers with a unified platform combining net terms financing, credit decisioning, AR automation, and collections. The company raised $60M in Series A funding and supports 15,000+ businesses.
The platform handles the complete payment lifecycle from credit approval through collections. Sellers activate net terms, receive advances, and automate AR without assembling multiple vendors or managing complex integrations.
Slope provides embedded infrastructure for large platforms and marketplaces. The company has reported approximately $252M in total equity and debt funding and works with J.P. Morgan on embedded financing infrastructure.
Slope serves enterprise platforms with dedicated development teams building custom B2B payment experiences.
Two operates across 19 markets, with coverage spanning Europe, the US, the UK, and the Nordics. The company has raised approximately $43M USD (€40M+) in total funding.
Two provides B2B payment and net-terms infrastructure spanning checkout, credit and fraud assessment, merchant payouts, invoicing, and collections across multiple markets.
Integration capabilities determine whether a payment platform enhances existing operations or creates new complexity. The depth and breadth of connections impact implementation timeline, ongoing maintenance, and data accuracy.
Resolve Pay provides native integrations across key e-commerce and accounting platforms:
E-commerce platforms:
Accounting and ERP systems:
Additional capabilities:
Implementation requirements depend on the merchant's existing systems. Resolve Pay documents low-code and no-code integrations for supported ecommerce and ERP platforms, while its checkout SDK and APIs support more customized deployments.
Connected accounting integrations can synchronize customer, invoice, payment, and related transaction data with Resolve Pay, reducing manual reconciliation work.
Slope provides API-based infrastructure for customized enterprise deployments. Two offers ecommerce plugins as well as API-based integration options.
For mid-market B2B sellers seeking streamlined deployment with comprehensive connectivity, Resolve Pay's integration ecosystem provides multiple deployment options.
Brand consistency throughout the buyer journey builds trust and reinforces professional relationships. Payment experiences bearing third-party branding can confuse customers and dilute seller identity.
Resolve Pay offers white-labeled payment portals maintaining seller branding throughout the buyer experience. Customers interact with a professional portal showing:
The branded experience extends across all touchpoints from credit applications through payment collection. Buyers engage with the seller's brand rather than a third-party payment company.
Resolve Pay delivers a complete solution for mid-market B2B sellers who need to offer competitive net terms while protecting cash flow and reducing operational burden. The platform combines non-recourse advances on eligible approved invoices, rapid AI-powered credit decisioning, comprehensive AR automation, and intelligent collections in a unified system.
With a 5.0/5 G2 rating from verified users, the 2025 BigCommerce Innovative Integration Award, and proven customer outcomes including 5x revenue growth and 90% AR workload reduction, Resolve Pay serves over 15,000 businesses with a seller-focused approach. The platform's flexible integration options, white-label payment portals, and expert support team enable manufacturers, distributors, and wholesalers to deploy net terms capabilities without requiring extensive technical resources or accepting balance sheet risk.
For US-based B2B sellers prioritizing cash flow protection, operational efficiency, and customer experience, Resolve Pay provides an integrated platform that transforms net terms from a cash flow burden into a competitive advantage.
Traditional invoice factoring often operates with recourse, which can improve near-term liquidity while leaving the seller exposed to contractual repayment obligations and collection risk. Resolve Pay's non-recourse model provides advances on eligible approved invoices with protection against covered buyer non-payment. Sellers receive advances up to 90-100% of invoice value within 1-2 business days, reducing defined exposure on approved transactions.
Resolve Pay evaluates buyer creditworthiness using alternative data sources including cash flow trends, payment history, and behavioral signals. The AI-powered system delivers decisions in under 24 hours, with instant approvals available for some purchases up to $25,000. This approach removes friction from the buying process while providing accurate risk assessment without impacting traditional credit scores.
Yes. Resolve Pay's current integration documentation supports QuickBooks Online and Oracle NetSuite as low-code or no-code ERP integrations. The platform also provides API and data integration options for additional accounting and ERP workflows. Connected integrations can synchronize customer, invoice, payment, and transaction data, reducing manual reconciliation work.
Mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries see substantial benefits. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical device distributors, and construction materials suppliers. These businesses need to offer competitive net terms while maintaining cash flow for operations and growth.
Agentic Collections uses a hybrid model combining AI automation with human expertise. Automated multi-channel sequences deploy email, SMS, and voice AI outreach based on configurable thresholds. The system pauses automatically when payments or disputes are received and uses professional tones that maintain customer goodwill. Intelligent escalation routes complex situations to expert AR teams, with customers reporting average DSO reduction of 15-20 days.
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.