When mid-market B2B suppliers need to offer net terms while protecting cash flow and reducing risk, choosing the right payment platform becomes critical. Resolve Pay, TreviPay, and Gaviti all operate in the broader B2B payments and accounts receivable ecosystem, but they serve different business needs. TreviPay focuses on enterprise B2B payments, trade credit workflows, and managed order-to-cash programs. Gaviti focuses on accounts receivable collections automation for finance teams that want to improve follow-up, prioritization, and invoice-to-cash workflows. Resolve Pay offers a more complete fit for B2B suppliers that want to combine net terms, credit decisioning, invoice advance payments, non-recourse cash advances, payment workflows, and receivables automation in one platform.
This distinction matters because suppliers often need to extend payment flexibility to buyers without weakening working capital or overloading finance teams. The Federal Reserve continues to track credit access and financing needs for small firms, while Census ecommerce data reflects the growing importance of digital commerce workflows. For sellers that want to offer terms, get paid faster on approved invoices, and reduce manual AR work, Resolve Pay provides the most aligned option.
Teams compare TreviPay and Gaviti alternatives when supplier cash flow, enterprise payment operations, or collections optimization becomes the bottleneck. For supplier-led businesses, the pressure point is often straightforward: they want to offer net terms to win larger orders, but they do not want to wait through long collection cycles or manage every reminder, payment match, and follow-up task manually.
Resolve Pay changes that operating model by combining buyer approvals, non-recourse cash advances on approved invoices, supplier advance payments, invoicing, collections, and reconciliation into one workflow. Instead of treating credit checks, invoice follow-up, and ERP reconciliation as separate finance tasks, Resolve Pay helps suppliers manage the full credit-to-cash process from a single platform.
For finance teams evaluating TreviPay, the need is usually centered on enterprise scale, managed receivables, and more complex payment operations. The project may involve ERP integrations, multi-currency needs, and trade credit program management. For teams evaluating Gaviti, the question is usually tied to optimizing existing AR workflows without changing the company’s financing or buyer credit infrastructure. The right decision starts with understanding which workflow problem needs solving first.
Resolve Pay is the strongest fit for supplier cash flow because it combines buyer approvals, advance payment on approved invoices, non-recourse cash advances, and receivables automation in one workflow. TreviPay typically serves enterprise organizations with more complex operational requirements, while Gaviti focuses on collections optimization for companies with existing receivables processes.
For suppliers, this distinction matters significantly. A platform that optimizes collections is not the same as a platform that helps a supplier offer terms, protect cash flow, and reduce receivables risk. Resolve Pay is built around that supplier-side problem. The CFPB small business lending data also shows why credit access and transparency remain important issues in small business finance.
This comparison works best when you separate supplier cash flow needs, enterprise global operations, and collections optimization into different buying motions.
At a high level:
That summary shows why these tools can appear in the same shortlist while still serving different end goals. Resolve Pay is built around the supplier cash-flow problem. TreviPay is built around enterprise B2B trade credit and payment operations. Gaviti is built around collections workflow optimization.
These platforms serve different jobs: Resolve Pay centers supplier receivables and cash flow, TreviPay centers enterprise B2B payment operations, and Gaviti centers collections workflow automation.
Resolve Pay is designed for suppliers that want to extend terms without waiting through the full payment cycle. It helps teams manage accounts receivable automation, credit decisions, invoicing, collections, payments, and reconciliation in one system. It also supports net terms workflows for buyers while giving suppliers a way to improve cash flow on approved invoices.
TreviPay supports enterprise B2B payments, invoicing, credit and risk workflows, and order-to-cash automation. It serves organizations with larger operational requirements that need ERP integrations, managed receivables, and trade credit workflows across sales channels.
Gaviti focuses on accounts receivable automation. Its platform supports finance teams with invoice-to-cash workflows such as payment reminders, collections prioritization, dispute management, analytics, and cash application support. Companies with dedicated AR teams may use Gaviti to improve collections visibility and follow-up execution.
Resolve Pay is the strongest fit in this comparison when the business problem is cash conversion and receivables management. The product is built for suppliers that want to offer terms, move approved buyer risk into a non-recourse structure, and get paid faster on approved invoices. That shifts the question from “how do we accept payment?” to “how do we let buyers purchase on terms without tying up working capital?”
Founded in 2018 as a spin-off from Affirm, Resolve Pay helps sellers combine embedded credit expertise, embedded invoice financing, and embedded payments into a single workflow. The platform is trusted by over 15,000 businesses and is designed to compress several workflows into one operating model.
Suppliers can use Resolve Pay for buyer approvals, payment workflows, collections support, and reconciliation. That matters for finance teams that want to reduce manual invoice follow-up, payment matching, and repetitive close work. Resolve Pay also occupies a different risk position from general workflow software. Resolve Pay cash advances are non-recourse, so approved advance payments help protect sellers from taking on the full burden of late payment or default risk.
Resolve Pay connects with ecommerce, ERP, and accounting systems through plug-ins, APIs, and automated syncing. Supported systems include Shopify, BigCommerce, Magento, WooCommerce, Oracle, QuickBooks Online, NetSuite, Xero, and Sage Intacct. Resolve Pay also supports custom implementation through flexible APIs. The ability to embed net terms at checkout helps suppliers create a smoother buyer experience while supporting sales growth.
Resolve Pay cash advances are non-recourse, meaning suppliers keep approved advance payments even if buyers do not pay. Resolve Pay uses proprietary AI models to evaluate buyer data for credit decisions, and its credit experts have experience from Amazon, PayPal, and Fortune 500 firms. Resolve Pay manages the credit approval, underwriting, and collections process so sellers can offer terms while protecting cash flow.
Resolve Pay is designed for practical deployment through ecommerce plug-ins, accounting connections, ERP integrations, APIs, and automated syncing. Credit checks can be completed quickly, and approved invoices can receive advance payment based on Resolve Pay’s underwriting and program terms. This helps suppliers avoid waiting through traditional net terms cycles while also reducing the manual work tied to invoicing, payment reminders, reconciliation, and collections.
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce teams that want to win larger orders with B2B net terms while keeping cash flow more predictable. It is especially strong when finance, AR, ecommerce, and ERP owners need one coordinated workflow for credit checks, invoice follow-up, collections, and reconciliation. B2B suppliers with at least $1M in annual B2B revenue that want to offer net terms without becoming the bank will find Resolve Pay’s integrated approach well aligned with their growth objectives.
TreviPay supports enterprise B2B payments, invoicing, credit and risk workflows, and order-to-cash automation. It serves organizations with larger operational requirements, managed receivables needs, ERP integration requirements, and B2B payment workflows across multiple sales channels.
TreviPay’s enterprise focus means implementation can involve more planning, configuration, and coordination across finance, sales, operations, and ERP stakeholders. That model can fit organizations with more complex internal requirements and larger managed payment programs.
TreviPay serves enterprise organizations with complex B2B payment and trade credit needs. Companies that require managed receivables operations, enterprise ERP connectivity, and broad order-to-cash support may find TreviPay relevant to their requirements.
Gaviti helps finance teams manage the collections process through automation, reminders, analytics, and workflow prioritization. Its platform supports invoice-to-cash workflows for companies that already have financing arrangements and want to optimize existing AR processes.
Gaviti’s overlay model works with existing systems and centers on AR workflow configuration. Implementation timelines vary based on system complexity, data structure, and the company’s collections processes. The platform syncs with existing invoicing and payment infrastructure to support finance teams.
Gaviti serves finance teams focused on improving collections performance. Companies with dedicated AR teams that already have financing arrangements and want to optimize existing receivables workflows may find Gaviti’s collections approach relevant to their needs.
A practical way to choose between these tools is to match each one to the business problem you need to solve first.
Resolve Pay aligns best when you want to offer B2B net terms, get paid faster on approved invoices, and keep buyer credit, collections, and reconciliation inside one supplier workflow. Resolve Pay provides the strongest fit when the goal is to improve receivables operations without treating AR as a separate manual project. The platform’s combination of business credit checks, non-recourse advances, and B2B payment workflows creates a complete operating model for supplier-led growth.
TreviPay aligns with enterprise organizations focused on managed B2B payment, credit, and order-to-cash workflows. TreviPay serves companies that need managed services, ERP integration, and comprehensive trade credit program support.
Gaviti aligns with teams focused on collections workflow optimization across existing receivables. Gaviti is most relevant when AR process improvement matters more than changing financing arrangements or credit infrastructure.
Mid-market B2B suppliers face a unique challenge: they need to offer net terms to remain competitive, but they may not have the resources to manage credit risk, collections, and cash flow impact internally.
Resolve Pay brings those pieces into one connected model. Net terms help buyers purchase now and pay later. Accounts receivable automation helps finance teams reduce manual follow-up. Business credit checks help suppliers evaluate buyers before extending terms. B2B payments help suppliers manage payment workflows from one platform. Integrations help connect receivables data with ecommerce, ERP, and accounting systems.
Key advantages of Resolve Pay’s integrated approach include:
For mid-market B2B suppliers seeking to grow revenue through net terms while protecting cash flow and reducing operational overhead, Resolve Pay represents the more complete solution. The combination of funded net terms, non-recourse cash advances, and AI-powered automation creates a strong value proposition for suppliers focused on growth without unnecessary enterprise complexity or collections-only workflows.
TreviPay, Gaviti, and Resolve Pay each serve a different part of the B2B receivables ecosystem. TreviPay is suited to enterprise payment and trade credit programs. Gaviti is suited to collections workflow optimization. Resolve Pay is the strongest fit for B2B suppliers that want to offer net terms, get paid faster on approved invoices, reduce manual receivables work, and keep buyer credit workflows connected to the broader payment experience.
For suppliers that want to grow sales while protecting working capital, Resolve Pay provides the most practical and complete path. Its combination of net terms management, AI-powered AR automation, non-recourse cash advances, branded payment workflows, and integrations helps sellers improve both buyer experience and internal finance operations. That makes Resolve Pay the preferred option for B2B businesses that want to offer terms without becoming the bank.
Resolve Pay cash advances are non-recourse, so approved advance payments help protect sellers from taking on the full burden of late payment or buyer default. Resolve Pay also manages credit approval, underwriting, payment reminders, and collections workflows so suppliers can offer terms while protecting cash flow.
Resolve Pay is designed for practical implementation through ecommerce plug-ins, accounting connections, ERP integrations, APIs, and automated syncing. Exact timelines depend on the seller’s systems, workflow complexity, and integration needs.
Yes. Resolve Pay connects with ecommerce, ERP, and accounting systems through plug-ins, APIs, and automated syncing. Supported systems include Shopify, BigCommerce, Magento, WooCommerce, Oracle, QuickBooks Online, NetSuite, Xero, and Sage Intacct.
Buyers using Resolve Pay can access flexible net terms, use supported payment methods, and manage payments through a streamlined buyer experience. This helps buyers purchase what their business needs while preserving the relationship with the supplier.
Resolve Pay’s AI-powered platform helps automate invoicing, payment reminders, collections workflows, reconciliation, and transaction syncing. It supports net terms, COD, and due-upon-receipt invoice workflows with less manual input across the receivables lifecycle.
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.