Resolve Pay vs TreviPay vs Capchase: 2026 Comparison

B2B sellers compare Resolve Pay, TreviPay, and Capchase when they need a better way to offer payment flexibility without slowing down cash flow. Each platform supports a different type of business need. Resolve Pay is built for B2B merchants that want to offer net terms, automate accounts receivable, and receive faster payment on approved invoices. It is especially relevant for manufacturers, distributors, wholesalers, and B2B ecommerce sellers that need credit, payments, and receivables workflows connected in one platform. TreviPay focuses on large-scale B2B trade credit, invoicing, and managed payment programs, often for enterprise sellers with complex buyer networks. Capchase focuses on software and technology vendors that use contract-based or subscription revenue models.

For mid-market B2B suppliers, the key question is not only which platform provides financing. It is which platform helps the seller approve buyers, offer terms, collect payments, reconcile transactions, and reduce manual work across the full credit-to-cash process. That is where B2B net terms from Resolve Pay stands out. It helps sellers give approved buyers more time to pay while supporting faster cash flow and more efficient accounts receivable operations.

Key Takeaways

• Resolve Pay supports seller-side net terms: Resolve Pay helps B2B merchants offer flexible terms to approved buyers while supporting faster payment on approved invoices.
• Accounts receivable automation is central: Resolve Pay combines invoicing, reminders, collections workflows, reconciliation, and payment processing to reduce manual receivables work.
• Integrations help reduce disconnected workflows: Resolve Pay connects with ecommerce, ERP, accounting, and API-based systems so sellers can manage payments inside their existing stack.
• TreviPay is oriented toward enterprise payment programs: TreviPay is generally evaluated by larger companies that need managed B2B trade credit, invoicing, and buyer payment programs.
• Capchase focuses on software and technology financing: Capchase is most relevant for vendors with subscription, contract-based, or recurring revenue models.
• Resolve Pay is the strongest fit for mid-market B2B sellers: Manufacturers, distributors, wholesalers, and B2B ecommerce sellers benefit most when net terms, credit checks, payments, and AR automation are handled in one platform.

Why teams evaluate these B2B payment platforms

B2B companies evaluate these platforms when traditional payment terms create cash flow pressure or slow down sales. Buyers often prefer invoice terms, while sellers need predictable working capital, reliable credit decisions, and efficient receivables processes. The Small Business Credit Survey shows why financing access and cash flow remain important concerns for smaller and growing companies.

The growth of digital commerce also makes flexible payment workflows more important for B2B sellers. The E-Stats report tracks ecommerce activity across major sectors, reinforcing the importance of digital payment and order workflows for modern sellers.

Resolve Pay addresses the challenge of offering net terms to buyers while helping sellers maintain healthier cash flow. Instead of managing credit, invoice follow-up, collections, and reconciliation entirely in-house, sellers can use Resolve Pay to support the full net terms workflow.

TreviPay serves a different market segment. It is generally associated with large companies that need structured payment programs, managed services, and enterprise trade credit workflows.

Capchase takes a specialized approach for software and technology vendors. Its financing model is tied to contract-based revenue and is most relevant for companies with subscription or recurring revenue structures.

The key distinction is the business problem being solved: supplier-side net terms and receivables automation, enterprise payment infrastructure, or software-specific revenue financing.

1. Resolve Pay

Resolve Pay is built for B2B suppliers that want to offer net terms while improving cash flow and reducing accounts receivable workload. The platform combines net terms financing, credit decisioning, invoicing, collections workflows, payment processing, and reconciliation into a connected B2B payments system.

Key features

Resolve Pay includes capabilities designed for B2B sellers:

• Non-recourse cash advances on approved invoices help sellers protect cash flow while buyers receive flexible payment terms.
• AI-powered AR automation supports invoicing, payment reminders, collections workflows, and reconciliation.
• Business credit checks help sellers evaluate buyer creditworthiness before extending terms.
• B2B payment tools connect net terms, payment workflows, reconciliation, and invoicing in one platform.
• Ecommerce integrations help sellers offer terms inside online checkout flows.
• Financial integrations connect Resolve Pay with ecommerce, ERP, accounting, and custom systems.
• Branded payment portals allow buyers to pay by ACH, card, wire, or check through a seller-aligned payment experience.
• Net terms management supports credit checks, payment workflows, and collections support.

Resolve Pay serves established B2B sellers, including manufacturers, distributors, wholesalers, and ecommerce merchants. The platform is especially relevant for companies that want to offer buyer-friendly terms without turning their finance teams into full-time credit and collections departments.

How Resolve Pay works

When a buyer requests net terms, Resolve Pay helps evaluate the buyer and determine whether terms can be offered. For approved buyers and invoices, sellers can receive faster payment while the buyer pays according to the agreed terms. Resolve Pay also supports invoice delivery, reminders, collections workflows, payment processing, and reconciliation.

The platform helps reduce the manual work normally required to offer and manage net terms. The SBA finance guide emphasizes the importance of managing cash flow and keeping reliable financial records, both of which are directly connected to stronger receivables workflows.

Integration capabilities

Resolve Pay connects with existing financial and operational systems to reduce manual entry and fragmented workflows. Its integrations support ecommerce, ERP, accounting, and custom API use cases. This helps transaction data move across systems more efficiently and keeps payment activity connected to the original invoice.

Supported integration categories include:

• Accounting platforms
• ERP systems
• Ecommerce platforms
• Custom APIs
• Buyer payment portals
• Checkout workflows

For B2B ecommerce sellers, Resolve Pay can embed payment terms into online checkout flows so approved buyers can apply for or use terms during the purchasing process. For finance teams, ERP and accounting connections support cleaner reconciliation and more efficient reporting.

Best fit for

Resolve Pay is designed for mid-market B2B businesses that need to offer competitive payment terms without creating cash flow challenges or manual AR burden. This includes:

• Manufacturers selling components, materials, or finished goods
• Distributors managing repeat buyer relationships
• Wholesalers serving retail or commercial buyers
• B2B ecommerce businesses that want to offer terms at checkout
• Companies seeking factoring alternatives
• Organizations that want to reduce manual receivables work
• Sellers that want to protect customer relationships with a branded payment experience

The platform works particularly well when offering terms helps increase buyer purchasing power, but waiting for payment creates working capital pressure.

2. TreviPay

TreviPay operates as a B2B payments and invoicing network focused on trade credit, invoicing, and managed payment programs. It is generally evaluated by companies that need structured buyer payment workflows, enterprise program management, and support for complex B2B transactions.

Service focus

TreviPay's offerings center on enterprise-scale B2B payment programs, including pay-by-invoice capabilities, buyer account management, credit workflows, and invoicing support. Its platform is often relevant for companies with large buyer networks and complex payment requirements.

TreviPay's service areas generally include:

• B2B trade credit programs
• Buyer account workflows
• Commercial invoicing
• Managed services
• Enterprise payment operations
• Multi-market buyer support
• Procurement-related payment workflows

This makes TreviPay a fit for organizations that need a managed B2B payments program rather than a seller-side platform focused on mid-market net terms and AR automation.

Typical use cases

TreviPay is generally evaluated by larger companies that need established payment infrastructure across complex buyer networks. It can be relevant for organizations with enterprise procurement teams, multi-market operations, and managed-service requirements.

For mid-market sellers focused on faster payment, buyer credit checks, ecommerce terms, and accounts receivable automation, Resolve Pay is usually the more direct fit.

3. Capchase

Capchase focuses on financing for software and technology companies. Its platform is designed around contract-based and subscription revenue models, making it most relevant for vendors that sell software, technology services, or annual and multi-year agreements.

Service focus

Capchase provides financing tools tied to predictable revenue streams and customer contracts. Its workflows are often connected to sales and CRM processes, which can help software vendors offer buyer payment flexibility while accessing contract value sooner.

Capchase service areas generally include:

• Software and technology financing
• Contract-based revenue financing
• Payment flexibility for buyers
• CRM-connected sales workflows
• Financing for annual or multi-year agreements
• Revenue-based financing structures

This focus makes Capchase different from Resolve Pay. Resolve Pay is designed around B2B net terms, invoice workflows, payment collection, and AR automation for sellers across a wider range of B2B industries.

Typical use cases

Capchase is generally evaluated by software and technology vendors that have recurring revenue, contracted future revenue, or multi-year customer agreements. It can support vendors that want to offer buyers payment flexibility while improving access to contracted revenue.

For companies selling physical goods through invoices, sales reps, ecommerce channels, or wholesale relationships, Resolve Pay is better aligned with the everyday challenge of offering net terms while managing receivables.

Why Resolve Pay delivers value for mid-market B2B suppliers

Mid-market B2B businesses face a specific set of challenges. They need to offer competitive net terms to win and retain customers, but they also need healthy cash flow, reliable buyer credit decisions, and efficient collections workflows. Resolve Pay is well suited to this need because it connects credit, net terms, payments, and AR automation in one platform.

Comprehensive risk management

Resolve Pay offers non-recourse cash advances on approved invoices. This helps sellers reduce payment risk exposure while giving approved buyers more time to pay. Rather than carrying the full operational burden of buyer credit checks, reminders, and collections internally, sellers can use Resolve Pay as a connected credit and receivables workflow.

This is especially useful for companies that want to extend terms to new or existing buyers without adding unnecessary strain to their finance teams.

Operational efficiency

The AI-powered AR automation platform supports invoice delivery, payment reminders, collections workflows, and reconciliation. These are the tasks that often consume finance teams as order volume grows.

Resolve Pay helps reduce repetitive receivables work by centralizing:

• Credit checks
• Invoice workflows
• Payment reminders
• Collections support
• Payment processing
• Reconciliation
• Buyer payment communication

This allows finance teams to spend less time chasing payments and more time managing growth, cash flow, and customer relationships.

Faster cash conversion

Sellers that offer terms often wait weeks or months for buyer payment. Resolve Pay helps shorten that cash conversion cycle by supporting faster payment on approved invoices.

This can help sellers:

• Reinvest in inventory
• Support operating expenses
• Take on larger buyer orders
• Offer terms more confidently
• Reduce dependence on manual credit management
• Improve working capital predictability

The JPMorgan Chase Institute has published research on small business cash flow and liquidity, reinforcing why stronger cash flow visibility matters for business resilience.

Industry accessibility

Resolve Pay is not limited to software or subscription-based businesses. It is designed for traditional B2B sellers across manufacturing, distribution, wholesale, ecommerce, and other sectors where invoice terms are a normal part of doing business.

That industry accessibility matters because many B2B sellers need payment flexibility for physical goods, repeat orders, bulk purchases, and buyer-specific credit limits. Resolve Pay supports those workflows through net terms, buyer credit checks, payment portals, and receivables automation.

Integration depth

Resolve Pay connects with major ecommerce, ERP, and accounting systems so sellers do not need to rebuild their operations around a separate finance tool. Its integration tools help connect payment activity with the systems sellers already use.

This supports:

• Cleaner transaction records
• Less manual data entry
• More efficient reconciliation
• Better visibility across invoices and payments
• Easier ecommerce checkout experiences
• Stronger coordination between sales and finance teams

Mid-market fit

Resolve Pay is designed for established B2B sellers that need a practical way to offer net terms without the weight of an enterprise payment program. It fits companies that want a connected, seller-friendly platform instead of separate systems for credit, collections, payments, and reconciliation.

For B2B suppliers seeking to offer net terms as a competitive advantage while protecting cash flow and reducing AR workload, Resolve Pay provides capabilities designed for this business challenge. The combination of non-recourse cash advances on approved invoices, receivables automation, branded buyer payment experiences, and broad integration support makes Resolve Pay the strongest choice for mid-market businesses with traditional B2B sales models.

Frequently Asked Questions

How does Resolve Pay help B2B businesses offer net terms?

Resolve Pay helps B2B sellers offer flexible payment terms to approved buyers while supporting faster payment on approved invoices. The platform supports buyer credit evaluation, invoice delivery, payment reminders, collections workflows, payment processing, and reconciliation. This lets sellers offer terms without managing the entire credit and receivables process manually.

What types of businesses use Resolve Pay?

Resolve Pay serves established B2B sellers across manufacturing, distribution, wholesale, ecommerce, and related sectors. It is especially useful for companies that sell to repeat business buyers, manage invoice-based sales, and want to reduce manual accounts receivable work while improving cash flow.

How does Resolve Pay integrate with existing business systems?

Resolve Pay offers integrations with ecommerce, ERP, accounting, and custom systems. Its platform connects with tools such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, and API-based workflows. These connections help reduce manual data entry and keep invoice, payment, and reconciliation activity connected.

What is non-recourse financing in the context of Resolve Pay?

Non-recourse financing means that sellers can receive cash advances on approved invoices while Resolve Pay manages buyer credit assessment and collections workflows. This helps sellers reduce payment risk exposure on approved transactions while giving buyers more time to pay.

Can Resolve Pay help reduce manual accounts receivable work?

Yes. Resolve Pay supports automated invoice workflows, payment reminders, collections processes, payment processing, and reconciliation. Its AR automation tools help finance teams reduce repetitive receivables work and manage net terms more efficiently as sales volume grows.

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.