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.
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.
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.
These platforms serve distinctly different business workflows and payment models.
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 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 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.
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.
The platform integrates multiple functions that suppliers often manage through separate systems or manual processes:
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.
Resolve Pay is designed for B2B suppliers, distributors, manufacturers, wholesalers, and B2B service providers that:
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.
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.
TreviPay's key features are built around enterprise B2B payment management:
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.
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.
Payability's key features are built around marketplace seller cash flow:
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.
A practical way to evaluate these platforms is by matching each to the specific business problem you're solving.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.