Resolve Pay vs TreviPay vs Melio: 2026 Comparison

B2B suppliers that offer invoice terms need more than a basic payment tool. They need a way to approve buyers, extend payment flexibility, manage receivables, collect payments, and keep cash flow moving while preserving the customer relationship. Resolve Pay, TreviPay, and Melio all operate in the broader B2B payments category, but they support different workflows. Resolve Pay focuses on supplier-side net terms, accounts receivable automation, credit decisions, invoice advancement, and embedded payment workflows. TreviPay is generally associated with enterprise B2B trade credit programs and managed payment operations. Melio focuses on accounts payable, helping small businesses pay vendors and manage outgoing bill payments.

This distinction matters because B2B payment expectations are changing across wholesale, manufacturing, distribution, and ecommerce. The Federal Reserve survey shows how access to financing and payment flexibility remain important issues for small businesses, while U.S. Census data tracks the continued role of ecommerce in business activity. For suppliers, the practical question is which platform helps extend trade credit to buyers without adding receivables complexity. Resolve Pay’s B2B net terms platform is built for that supplier-side challenge, helping sellers offer terms, automate AR workflows, and get paid faster on approved invoices.

Key Takeaways

• Resolve Pay supports supplier cash flow: Resolve Pay helps B2B sellers offer net terms while automating receivables and advancing payment on approved invoices.
• Payment direction defines the workflow: Resolve Pay focuses on incoming receivables and buyer payment terms, while Melio focuses on outgoing vendor payments.
• TreviPay is enterprise-oriented: TreviPay is generally suited to larger organizations that need managed B2B trade credit programs and complex payment operations.
• Net terms require connected workflows: Credit checks, invoicing, reminders, collections, payment processing, and reconciliation work best when handled in one system.
• Ecommerce integration matters: Resolve Pay supports embedded net terms through ecommerce, ERP, and accounting integrations for online, offline, and hybrid B2B sales.
• Resolve Pay is built for growth-stage suppliers: Suppliers with established B2B revenue can use Resolve Pay to offer buyer flexibility without building a large internal credit and collections function.

Why teams compare TreviPay and Melio alternatives

Teams compare TreviPay and Melio alternatives when payment workflows begin to create bottlenecks in growth, cash flow, or finance operations. For B2B suppliers, the issue often starts with buyer expectations. Customers may want net 30, net 60, or other payment terms, but offering those terms manually can strain working capital and add more work for finance teams.

Resolve Pay changes the operating model for suppliers by combining buyer credit approval, net terms, invoice advancement, AR automation, collections workflows, and payment processing in one platform. Instead of managing credit decisions in one tool, invoices in another, and follow-up in spreadsheets, suppliers can use Resolve Pay to streamline the full credit-to-cash workflow.

For teams evaluating TreviPay, the context is usually enterprise trade credit. These organizations may have global operations, complex omnichannel needs, or internal teams that manage sophisticated payment programs.

For teams evaluating Melio, the use case is accounts payable. Melio helps small businesses pay their own vendors through common payment methods and accounting integrations. That is useful for AP operations, but it is different from helping suppliers extend credit to customers.

The CFPB small business lending resources highlight why credit access and transparency matter in business finance. For B2B suppliers, the operational question is how to offer payment flexibility while keeping receivables predictable and manageable.

Understanding different approaches to B2B payment solutions

Resolve Pay

Resolve Pay is a modern B2B payments and net terms platform built for SMB and mid-market B2B suppliers. The platform focuses on helping merchants grow sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, credit decisions, invoice advancement, and payment workflows.

Resolve Pay combines embedded credit expertise, invoice advancement, and payments into a single solution that helps merchants offer net terms. It is especially relevant for manufacturers, distributors, wholesalers, and B2B ecommerce companies that want to give buyers more time to pay while reducing the operational burden of credit reviews, invoice follow-up, collections, and reconciliation.

TreviPay

TreviPay takes an enterprise B2B payments approach. The company is generally aligned with large organizations that need managed trade credit programs, omnichannel payment support, enterprise procurement workflows, and complex implementation resources.

This model can fit companies with multinational operations, broad buyer programs, and internal teams that can support enterprise-scale payment infrastructure. For SMB and mid-market B2B suppliers that mainly need embedded net terms, AR automation, and faster payment workflows, Resolve Pay is the more focused option.

Melio

Melio focuses on small business accounts payable. Its platform helps businesses manage outgoing vendor payments, schedule bills, and sync payment activity with accounting systems.

This AP-focused model is useful for businesses that want to simplify how they pay vendors. However, it serves a different workflow from supplier-side net terms. B2B suppliers that need to approve buyers, offer payment terms, manage receivables, collect payments, and reconcile invoices need a platform built around accounts receivable and credit-to-cash workflows. Resolve Pay is built for that seller-side need.

Service offerings reveal workflow differences

Understanding what each platform delivers helps clarify which solution fits a specific business need.

Resolve Pay’s supplier-oriented services

Resolve Pay centers on helping B2B suppliers offer net terms to customers while managing cash flow and receivables. The platform supports:

• Buyer credit checks
• Net terms workflows
• Invoice advancement on approved invoices
• Invoicing and payment reminders
• Collections support
• Payment processing
• Reconciliation
• Branded payment portals
• Ecommerce and accounting integrations

The focus is supplier-side receivables management. Resolve Pay helps businesses turn net terms into a structured workflow rather than a manual finance burden.

TreviPay’s enterprise services

TreviPay’s services are oriented toward enterprise trade credit programs. Its platform can support managed payment operations, omnichannel workflows, enterprise integrations, and buyer invoicing infrastructure for larger organizations.

The focus is broader enterprise program management.

Melio’s AP services

Melio focuses on helping small businesses pay vendors. Its services support bill payment, payment scheduling, vendor payment workflows, and accounting sync.

The focus is accounts payable rather than receivables, buyer credit, or supplier-side invoice advancement.

The Small Business Administration notes the importance of managing business finances carefully, including cash flow, payments, and records. For B2B sellers, choosing the right tool depends on whether the business needs AP support, enterprise trade credit infrastructure, or supplier-side receivables automation.

Target customers show clear segmentation

Resolve Pay target customers

Resolve Pay serves SMB and mid-market B2B suppliers that need to offer trade credit as a competitive tool while keeping cash flow healthy. These companies often operate in:

• Manufacturing
• Wholesale
• Distribution
• B2B ecommerce
• Equipment and parts sales
• Repeat invoice-based customer relationships

They need practical net terms capabilities, not a fully manual credit department or disconnected receivables tools.

TreviPay target customers

TreviPay primarily serves large organizations with more complex B2B payment programs. These companies may need enterprise implementation support, managed services, omnichannel payment workflows, and broader program administration.

Melio target customers

Melio targets small businesses that want to manage outgoing vendor payments. These businesses are looking for AP automation rather than seller-side net terms, receivables management, or invoice advancement.

This segmentation matters because choosing a platform designed for another workflow creates friction. Growth-stage B2B suppliers need a platform built for receivables, credit decisions, and buyer payment terms. That is where Resolve Pay is the stronger fit.

Integration ecosystems support different workflows

Resolve Pay integrations

Resolve Pay’s integrations support supplier growth through ecommerce, ERP, and accounting connectivity. The platform integrates with major ecommerce platforms, including BigCommerce, Shopify, WooCommerce, and Magento, to support embedded net terms at checkout.

Resolve Pay also connects with accounting and ERP systems through its financial stack integrations. These integrations help suppliers sync invoice, payment, and reconciliation activity across systems.

For sellers with more complex needs, Resolve Pay also supports API-based workflows and custom implementation paths.

TreviPay integrations

TreviPay’s integrations are generally built around enterprise payment environments. These may include ecommerce, ERP, point-of-sale, and other omnichannel systems depending on the organization’s program design.

Melio integrations

Melio’s integrations are focused on accounting and accounts payable workflows. These integrations help businesses manage outgoing vendor payments and maintain cleaner AP records.

For B2B suppliers operating in ecommerce or hybrid sales environments, the ability to embed net terms into checkout and sync receivables activity into accounting systems can create meaningful operational advantages.

Implementation and ease of use considerations

Resolve Pay

Resolve Pay is built to integrate with B2B seller workflows efficiently. It helps suppliers move from manual credit checks, invoice follow-up, and disconnected collections activity toward a more structured receivables process.

The platform is especially useful for businesses that want enterprise-grade net terms capabilities without taking on unnecessary enterprise complexity.

TreviPay

TreviPay implementations reflect enterprise requirements. Larger organizations may need more configuration, stakeholder coordination, and integration planning because their payment programs are often more complex.

Melio

Melio emphasizes simplicity for AP users. It is designed for small businesses that want to manage outgoing bill payments with minimal technical overhead.

The implementation approach should match the workflow. Enterprise complexity makes sense for enterprise programs. AP simplicity makes sense for small business bill payment. Supplier-focused net terms and AR automation make sense for B2B companies that sell on credit.

1. Resolve Pay for B2B net terms and receivables automation

Resolve Pay is built for B2B suppliers, manufacturers, distributors, wholesalers, and ecommerce businesses that want to offer net terms, improve cash flow, and reduce receivables workload. The platform combines buyer approvals, non-recourse cash advances on approved invoices, and receivables automation in one integrated workflow.

The platform helps businesses combine several workflows into one operating model. Sellers can use Resolve Pay for buyer approvals, payment workflows, collections support, and reconciliation, reducing manual invoice follow-up, payment matching, and repetitive close work.

Resolve Pay occupies a different position from general payment software. It helps sellers offer terms while supporting cash flow through advance payments on approved invoices. Combined with ERP integrations, credit checks, and positioning as a factoring alternative, Resolve Pay provides depth for supplier cash-flow management.

Key Features

• Buyer credit decisioning so sales and finance teams can evaluate buyers efficiently
• Non-recourse cash advances on approved invoices, subject to buyer verification and Resolve Pay approval
• Advance payments on approved invoices to help reduce cash-flow delays
• AR automation for invoicing, collections, payment reminders, and reconciliation
• ERP, accounting, ecommerce, and API connectivity across major finance and commerce systems
• Branded payment workflows allowing buyers to pay through supported methods while maintaining a consistent customer experience

Strengths

• Helps suppliers offer terms while improving cash-flow predictability
• Connects credit decisioning, advance payments, collections, and reconciliation in one platform
• Supports sales, finance, ecommerce, and ERP teams with connected workflows
• Helps suppliers use terms as a growth lever while managing receivables efficiently

Best Fit

Resolve Pay works well 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 relevant when finance, AR, ecommerce, and ERP owners need one coordinated workflow for credit checks, invoice follow-up, collections, and reconciliation.

2. TreviPay

TreviPay is built as an enterprise B2B payment solution for organizations with complex payment operations. The platform is generally aligned with businesses that need managed trade credit programs, enterprise procurement workflows, omnichannel payment support, and broader payment infrastructure.

TreviPay’s approach addresses requirements for larger organizations, including managed services for accounts receivable, custom deployment models, and enterprise payment workflows.

Key Features

• Enterprise B2B payment infrastructure
• Trade credit and buyer invoicing workflows
• Procurement workflow support
• Custom deployment models for large organization requirements
• Managed services for accounts receivable operations
• Omnichannel payment program support

TreviPay is typically evaluated by enterprise finance, payments, procurement, and operations teams that need broader payment program management across multiple channels, internal systems, and buyer groups.

3. Melio

Melio is built for small business accounts and payable workflows. Its platform helps businesses manage outgoing vendor payments, schedule bills, and keep payment activity connected to accounting records.

Melio’s approach centers on helping businesses pay the bills they owe. It is not designed around the seller-side workflow of offering buyer credit, advancing approved invoices, automating receivables, or managing collections.

Key Features

• Vendor bill payment workflows
• Payment scheduling for outgoing bills
• Accounting system sync
• AP workflow management for small businesses
• Vendor payment recordkeeping
• Simple bill payment operations

Melio is typically evaluated by small business owners, bookkeepers, and finance teams that need to manage accounts payable. For businesses focused on accounts receivable, buyer net terms, and supplier cash flow, Resolve Pay is the stronger fit.

Why Resolve Pay delivers strong value for supplier-side net terms

SMB and mid-market B2B suppliers face a specific challenge. They need to offer payment flexibility to buyers, but traditional net terms can create cash flow delays, collections work, and credit risk.

Resolve Pay is built around solving that problem.

Complete supplier workflow integration

Resolve Pay addresses the full supplier workflow for offering net terms. From buyer credit checks to invoice advancement, collections, payment processing, and reconciliation, the platform helps sellers manage the credit-to-cash cycle in one place.

This reduces the need to coordinate multiple tools or manually move information across systems.

Ecommerce enablement for B2B growth

The ability to embed net terms directly into ecommerce workflows helps suppliers make payment flexibility part of the buying process. Buyers can apply for terms within the purchase experience, while sellers maintain better control over receivables and payment workflows.

This is especially valuable as more B2B transactions move through digital and hybrid sales channels.

Cash flow support through non-recourse financing

Resolve Pay’s invoice advancement helps suppliers offer buyer terms while receiving payment faster on approved invoices. Its non-recourse model for qualifying advances helps reduce the seller’s exposure to approved buyer non-payment risk.

For suppliers comparing traditional financing options, Resolve Pay’s factoring alternative provides a more modern way to combine payment terms, credit workflows, and receivables support.

AR automation that reduces manual workload

Finance teams often struggle with repetitive receivables tasks as sales volume grows. Resolve Pay helps automate payment reminders, collections workflows, payment matching, and reconciliation.

This allows finance teams to scale receivables operations without relying as heavily on manual follow-up.

Focused on supplier needs

Resolve Pay is built specifically for sellers that offer credit to business buyers. Rather than adapting an AP platform or taking on enterprise program complexity, suppliers can use a platform designed for net terms, AR automation, and cash flow support.

For SMB and mid-market B2B suppliers, that focus makes Resolve Pay the strongest fit among these three platforms.

Final verdict: Resolve Pay is the best fit for B2B suppliers

Resolve Pay, TreviPay, and Melio serve different B2B payment needs. TreviPay is oriented toward enterprise trade credit programs. Melio is oriented toward accounts payable and vendor payments. Resolve Pay is oriented toward supplier-side net terms, receivables automation, buyer credit decisions, invoice advancement, and embedded payment workflows.

For B2B suppliers, the most important question is not which platform is most recognizable. It is which platform supports the full workflow of offering terms while protecting cash flow and reducing manual AR work.

Resolve Pay brings the key supplier-side capabilities together: credit checks, net terms, invoice advancement, branded payment portals, collections workflows, payment processing, ecommerce integrations, and accounting sync. That makes it the most practical choice for SMB and mid-market suppliers that want to grow with net terms while keeping receivables under control.

Businesses evaluating seller-side payment terms can start with Resolve Pay’s seller platform and business credit check workflows to see how the platform supports credit, cash flow, and receivables from one connected system.

Frequently Asked Questions

What types of B2B businesses benefit most from Resolve Pay?

Resolve Pay is designed for B2B suppliers, wholesalers, distributors, manufacturers, and ecommerce merchants that need to offer net payment terms while keeping cash flow healthy. It is especially useful for businesses with established B2B revenue that have outgrown manual AR processes and need a more structured way to manage credit, invoicing, collections, and payment reconciliation.

How does Resolve Pay help with cash flow when offering net terms?

Resolve Pay helps suppliers get paid faster on approved invoices while buyers receive time to pay. This allows suppliers to offer net terms without waiting through the full buyer payment period to access working capital. Resolve Pay also supports non-recourse cash advances on qualifying approved invoices, which helps reduce the seller’s exposure to approved buyer non-payment risk.

What is the difference between Resolve Pay’s AR automation and AP tools?

Resolve Pay’s AR automation is built for sellers that need to collect money from customers, manage invoices, offer payment terms, and reconcile receivables. AP tools are built for businesses that need to pay vendors. The difference is payment direction: Resolve Pay supports incoming receivables and buyer terms, while AP tools support outgoing bill payments.

Can Resolve Pay integrate with ecommerce platforms?

Yes. Resolve Pay integrates with ecommerce platforms such as BigCommerce, Shopify, WooCommerce, and Magento. These integrations help suppliers offer net terms within checkout and order workflows. Resolve Pay also supports accounting and ERP integrations through QuickBooks Online, NetSuite, Sage Intacct, and API-based workflows.

How do I know if my business needs Resolve Pay?

Resolve Pay is a strong fit if your business sells to other businesses, buyers ask for payment terms, and your team wants to reduce manual credit checks, invoice follow-up, collections work, and reconciliation. It is especially relevant for suppliers that want to use net terms as a growth tool while keeping cash flow and receivables operations under control.

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.