Resolve Pay vs TreviPay vs Payability: 2026 Comparison

When B2B suppliers need to offer net terms while keeping cash flow predictable, choosing the right payments platform becomes a critical business decision. Resolve Pay, TreviPay, and Payability each address payment timing and financing from different angles. TreviPay focuses on enterprise B2B payments, order-to-cash, and trade credit programs. Payability focuses on marketplace seller funding and payout acceleration. Resolve Pay is built for B2B suppliers that sell through invoices and need to offer customer-friendly terms while streamlining credit checks, invoicing, collections, payment workflows, and reconciliation.

Cash flow remains a major operational concern for small and mid-sized businesses, and the Small Business Credit Survey continues to track financing needs, credit access, and business conditions across U.S. firms. At the same time, U.S. Census ecommerce data reflects the continued importance of digital commerce across business categories. For suppliers, that creates pressure to support flexible B2B payment experiences without adding unnecessary receivables risk. This comparison explains where each platform fits, why their use cases differ, and why Resolve Pay is the strongest option for B2B suppliers that want embedded net terms, upfront payment options, and automated accounts receivable workflows.

Key takeaways

• Resolve Pay supports invoice-based suppliers: Resolve Pay helps B2B suppliers offer net terms, manage credit decisions, automate receivables, and receive upfront payment options on approved invoices.
• TreviPay serves enterprise payment programs: TreviPay is designed for enterprise sellers that need B2B payments, order-to-cash workflows, managed services, and trade credit infrastructure.
• Payability focuses on marketplace payouts: Payability helps marketplace sellers access eligible sales proceeds faster through funding programs based on marketplace performance.
• Each platform solves a different problem: Resolve Pay supports supplier invoice workflows, TreviPay supports enterprise B2B payment infrastructure, and Payability supports marketplace cash flow.
• Supplier cash flow needs point to Resolve Pay: B2B suppliers that sell through invoices need credit checks, payment terms, collections, and reconciliation in one connected workflow.
• Automation matters for growth: Resolve Pay connects credit, net terms, payment collection, and accounting sync so suppliers can scale receivables without adding manual work.

Why teams compare TreviPay and Payability alternatives

Teams compare TreviPay and Payability alternatives when payment workflows, cash flow management, or financing models start creating operational friction. The CFPB small business lending data program also reflects how business credit access remains important for companies seeking capital and growth opportunities.

For B2B suppliers, the challenge often centers on a specific problem: they want to offer net terms to remain competitive and support larger orders, but extending 30, 60, or 90-day payment terms can create cash flow gaps and receivables risk. Managing credit checks, invoice follow-up, payment collection, and accounting reconciliation across disconnected systems adds operational complexity.

Resolve Pay addresses this supplier-side challenge by integrating buyer credit assessment, net terms financing, payment collection, and accounts receivable automation into one platform. This allows suppliers to offer flexible payment terms while receiving advance payment options on approved invoices and reducing manual receivables work.

Enterprise organizations evaluating TreviPay typically face different considerations around global B2B payment programs, order-to-cash workflows, managed services, and complex buyer networks. Marketplace sellers considering Payability are usually focused on accelerating access to sales proceeds from platforms like Amazon and Walmart.

Understanding these distinct use cases helps clarify which platform aligns with your specific business model and payment challenges.

Which platform fits supplier cash flow needs?

The answer depends on the payment challenge your business faces most urgently.

Resolve Pay is built specifically for B2B suppliers that sell through invoices and need to offer net terms without tying up cash flow or managing every credit and collections task internally. The platform combines buyer approvals, advance payment options, collections support, and AR automation in one integrated workflow.

TreviPay operates as an enterprise B2B payments and trade credit provider for organizations with complex buyer relationships, order-to-cash needs, and managed-service requirements. Its infrastructure supports larger enterprise payment programs across multiple sales channels.

Payability serves marketplace sellers who need faster access to marketplace proceeds. Its model is based on marketplace sales performance rather than traditional B2B invoice financing or net terms management.

For suppliers managing B2B invoices who want to offer terms while maintaining predictable cash flow, Resolve Pay provides the most directly aligned solution.

What each platform does

These platforms serve distinctly different business workflows and payment models.

Resolve Pay

Resolve Pay was spun out of the B2B version of Affirm and focuses on helping B2B suppliers with at least $1M in annual B2B revenue offer net terms to customers. The platform integrates credit decisioning, invoice financing, payment collection, and accounting reconciliation into a supplier-focused workflow. Suppliers can extend flexible payment terms to approved buyers while receiving advance payment options on invoices through non-recourse cash advances.

Resolve Pay connects with ecommerce platforms and accounting systems, enabling suppliers to embed B2B payment options directly into existing sales and financial workflows. This integration reduces manual data entry and streamlines the order-to-cash process.

TreviPay

TreviPay operates as an enterprise B2B payments, order-to-cash, and accounts receivable automation provider. Its platform supports trade credit, invoicing, payment programs, and managed services for larger organizations.

TreviPay's infrastructure is designed for companies managing complex buyer networks and enterprise sales channels, with integrations and service models built for larger operational environments.

Payability

Payability provides funding and payout acceleration for ecommerce sellers on marketplaces such as Amazon and Walmart. The platform connects to marketplace sales data and offers funding programs based on seller performance metrics.

Payability's model focuses on marketplace dynamics rather than traditional B2B invoicing relationships. The Federal Reserve payments overview shows how business payment systems continue to evolve, and Payability addresses one narrow part of that broader evolution: marketplace payout timing.

1. Resolve Pay for B2B net terms and AR automation

Resolve Pay provides the most comprehensive solution for B2B suppliers that need to offer net terms while protecting cash flow and reducing receivables management workload.

Core capabilities

The platform integrates multiple functions that suppliers often manage through separate systems or manual processes:

• Business credit checks that evaluate buyer creditworthiness and help sales teams make informed decisions about payment terms
• Non-recourse cash advances that allow suppliers to receive upfront payment options on approved invoices while Resolve Pay takes on payment risk
• Accounts receivable automation, including invoicing, payment reminders, collections workflows, and reconciliation
• Embedded B2B payment options that can be integrated into ecommerce checkouts through net terms ecommerce
• Branded payment portals that accept ACH, credit card, wire transfer, and check
• Syncing with accounting and ERP systems, including QuickBooks, NetSuite, Xero, Sage Intacct, and other tools through platform integrations

How it works

Suppliers connect Resolve Pay to their existing ecommerce, ERP, and accounting systems through integrations, plug-ins, or APIs. When a buyer places an order or requests payment terms, Resolve Pay evaluates the buyer's credit profile and provides a decision. For approved transactions, suppliers can receive advance payment options while buyers pay according to their agreed terms.

The platform handles ongoing invoicing, payment reminders, and collections activities, reducing the manual work that typically consumes AR team time. When buyers make payments, Resolve Pay supports reconciliation with the supplier's accounting system.

Best suited for

Resolve Pay is designed for B2B suppliers, distributors, manufacturers, wholesalers, and B2B service providers that:

• Sell through invoices and want to offer Net 30, Net 60, or custom terms
• Need to improve cash flow predictability without waiting through long collection cycles
• Want to reduce receivables risk associated with extending payment terms
• Seek to automate manual receivables processes, including invoicing, follow-up, and reconciliation
• Require integration between ecommerce, ERP, and accounting systems
• Want to support both traditional invoicing workflows and embedded checkout financing

The platform helps suppliers turn net terms from a cash flow burden into a competitive advantage by separating buyer payment timelines from supplier cash access.

2. TreviPay for enterprise B2B payment programs

TreviPay operates as an enterprise B2B payments and trade credit provider serving organizations with complex operational requirements.

The platform provides B2B payment infrastructure, supporting invoice-based payment programs, order-to-cash workflows, trade credit, accounts receivable automation, and managed services. TreviPay's services are designed for organizations that need enterprise payment workflows across multiple channels and buyer relationships.

Key features

TreviPay's key features are built around enterprise B2B payment management:

• Trade credit programs for business buyers
• Net terms and invoicing workflows
• Accounts receivable automation
• Buyer onboarding and underwriting support
• Omnichannel B2B purchasing workflows across digital, in-person, and sales-assisted channels
• Integrations for enterprise payment and back-office systems
• Managed services for larger B2B payment programs
• Order-to-cash workflow support for complex seller organizations

TreviPay is relevant for enterprise organizations that need broader B2B payment infrastructure. For B2B suppliers focused on net terms, receivables automation, and faster access to cash from approved invoices, Resolve Pay provides a more focused supplier workflow.

3. Payability for marketplace seller funding

Payability focuses on providing funding and payout acceleration for sellers on online marketplaces such as Amazon and Walmart.

The platform connects to marketplace seller accounts and provides access to sales proceeds based on marketplace performance data. Payability evaluates sellers using marketplace sales history and platform metrics rather than buyer credit underwriting for invoice-based B2B sales.

Key features

Payability's key features are built around marketplace seller cash flow:

• Accelerated access to eligible marketplace earnings
• Funding based on marketplace sales history and seller performance
• Connections to marketplace seller accounts
• Daily payout-style funding options for qualified sellers
• Seller-focused funding for inventory, advertising, and operating needs
• Marketplace data-based approvals rather than traditional buyer invoice underwriting
• Support for sellers operating on marketplaces such as Amazon and Walmart

Payability's model addresses the specific cash flow dynamics of marketplace selling, where payout timing is controlled by the marketplace platform. It is not designed for traditional B2B invoice financing, net terms management, or full accounts receivable workflows for suppliers selling through their own invoicing systems.

Comparing workflows and use cases

A practical way to evaluate these platforms is by matching each to the specific business problem you're solving.

For B2B invoice financing and net terms

Resolve Pay integrates credit decisioning, advance payment options, collections, and AR automation for suppliers that sell through invoices. The platform enables suppliers to offer flexible terms while maintaining cash flow predictability and reducing receivables management workload.

For enterprise B2B payment programs

TreviPay provides infrastructure for organizations managing complex B2B payment, trade credit, invoicing, and order-to-cash operations. Its enterprise integrations and managed services support companies with larger operational resources and implementation capacity.

For marketplace payout acceleration

Payability serves sellers on Amazon, Walmart, and similar marketplaces that want faster access to marketplace proceeds. It connects to marketplace data and provides funding based on sales performance.

The platforms address different payment workflows and business models, which is why understanding your primary use case matters more than comparing feature lists in isolation.

Why Resolve Pay is built for supplier growth

For B2B suppliers focused on growth, the challenge is turning payment terms from a competitive necessity into a strategic advantage. Many suppliers recognize that buyers prefer flexible payment options, but extending 30, 60, or 90-day terms creates two significant problems: delayed cash flow and increased receivables risk.

Resolve Pay addresses both challenges through an integrated approach.

Cash flow protection

Non-recourse cash advances allow suppliers to receive advance payment options on approved invoices, reducing the gap between order fulfillment and cash receipt. This predictable cash flow can help suppliers invest in inventory, operations, and growth without being constrained by long collection cycles.

Credit risk management

Resolve Pay's credit assessment and approval process evaluates buyers before terms are extended. For approved invoices, Resolve Pay takes on payment risk, helping suppliers reduce exposure to bad debt.

Operational efficiency

Accounts receivable automation reduces the manual work associated with invoicing, payment follow-up, collections, and accounting reconciliation. Finance teams can spend less time on receivables management and more time on strategic activities.

Sales enablement

By offering net terms at checkout or quote approval, suppliers can compete more effectively for larger orders and stronger buyer relationships. The platform supports both traditional invoice workflows and embedded financing options in B2B ecommerce experiences.

System integration

Native connections with accounting systems, ERPs, and ecommerce platforms mean Resolve Pay fits into existing operational workflows rather than requiring wholesale process changes. Suppliers can use Resolve Pay as a modern factoring alternative that connects credit, payments, and receivables into a more unified workflow.

For B2B suppliers that want to offer terms without sacrificing cash flow or operational control, Resolve Pay provides a purpose-built solution for the complete credit-to-cash workflow. The SBA finance guide emphasizes the importance of managing business finances and cash flow, and Resolve Pay helps suppliers address that need through embedded net terms, advance payment options, and receivables automation.

Frequently Asked Questions

What types of B2B businesses benefit from Resolve Pay?

Resolve Pay is built for B2B suppliers with at least $1M in annual B2B revenue that sell through invoices and want to offer net terms to their customers. This includes manufacturers, wholesalers, distributors, B2B service providers, and B2B ecommerce businesses. These companies typically face competitive pressure to offer flexible payment terms but need to protect cash flow and reduce receivables risk. Resolve Pay helps them extend terms while receiving advance payment options on approved invoices and automating receivables management.

How does Resolve Pay support net terms?

Resolve Pay helps suppliers evaluate buyers, approve payment terms, provide advance payment options on approved invoices, and manage payment workflows after the invoice is issued. The platform supports payment terms such as Net 30, Net 60, and custom terms, while automating key parts of invoicing, reminders, collections, and reconciliation.

What does non-recourse financing mean?

Non-recourse financing means the supplier is not responsible for repaying the advance if an approved buyer fails to pay, subject to Resolve Pay's program terms and approval requirements. This structure helps suppliers offer payment terms while reducing exposure to buyer non-payment risk.

How does Resolve Pay integrate with existing systems?

Resolve Pay offers integrations with accounting systems, ERP platforms, and ecommerce tools such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also supports flexible APIs for custom implementations, helping suppliers connect credit decisions, invoicing, payments, and reconciliation with existing workflows.

Which platform is right for B2B invoice-based suppliers?

For B2B suppliers that sell through invoices and want to offer net terms while maintaining cash flow, Resolve Pay provides the most aligned solution. It combines credit checks, non-recourse cash advances, payment collection, AR automation, and integrations in one supplier-focused platform. TreviPay is better aligned with enterprise B2B payment programs, while Payability is focused on marketplace payout acceleration.

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.