Selecting the right B2B payment solution directly impacts your cash flow, operational efficiency, and customer relationships. While Two offers multi-market coverage across Europe and the Nordics, and Gaviti provides dedicated AR automation capabilities, Resolve Pay delivers a unified platform combining non-recourse net terms financing with comprehensive accounts receivable automation specifically built for US manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps mid-market B2B sellers choose the approach that aligns with their growth objectives, geographic focus, and operational requirements.
The B2B payments landscape encompasses three distinct approaches to solving cash flow challenges: net terms financing platforms, AR automation tools, and hybrid solutions that combine both capabilities. Resolve Pay, Two, and Gaviti each represent different approaches to these challenges, with varying geographic focus and operational scope.
Net terms are a longstanding part of B2B commerce. Federal Reserve research describes trade credit as transactions where sellers deliver goods or services and collect payment later, with terms varying by industry, product type, competition, and business relationships. This creates a cash-flow gap for sellers that must continue funding operations while waiting for customer payment.
Modern platforms address this challenge through different mechanisms:
Mid-market manufacturers and distributors face particular cash-flow pressures because inventory purchases, payroll obligations, and operating expenses continue regardless of when customers settle invoices. A Federal Reserve payments report found that slow-paying customers are a notable payments challenge for manufacturing firms and other small businesses. The gap between invoicing and cash receipt can therefore constrain working capital and operational flexibility.
Resolve Pay addresses these challenges by advancing up to 90% of eligible approved invoice value, with advances generally deposited within 1-2 business days while buyers maintain their approved payment terms. This approach helps sellers access cash sooner instead of waiting for the full invoice term.
Two approaches the challenge through upfront merchant payment, eliminating the waiting period through their checkout infrastructure. Gaviti focuses on accelerating the collections process rather than providing financing, helping teams reduce DSO through automated follow-up sequences.
Resolve Pay operates as a comprehensive B2B payments platform designed specifically for US manufacturers, distributors, and wholesalers. The platform combines net terms financing with AR automation, credit decisioning, and payment processing in a unified system.
The platform's architecture reflects its origins as an Affirm spinout, applying consumer BNPL expertise to B2B commerce. This heritage informs the approach to credit decisioning, risk management, and buyer experience design.
Core Platform Capabilities:
The accounts receivable automation component eliminates manual processes that consume finance team bandwidth. Invoice generation syncs directly from ERP and accounting systems, with smart payment reconciliation using ML to match payments to invoices automatically.
Real-time AR dashboards provide visibility into DSO, aging, and portfolio health metrics. The platform maintains automated bookkeeping sync with QuickBooks Online and NetSuite, eliminating duplicate data entry and reconciliation work.
Customers report significant efficiency gains. Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours. This automation enables finance teams to focus on strategic activities rather than routine invoice management tasks.
By combining faster access to funds on eligible approved invoices with automated collections, Resolve Pay helps finance teams reduce DSO and improve cash-flow predictability compared with manual AR processes.
The automated collections engine maintains consistent follow-up without requiring manual intervention. Sequences adapt based on buyer response patterns, pausing automatically when payment or dispute is received and logging all interactions to invoice records.
Two emerged from Oslo, Norway in 2020 with a focus on enabling B2B trade credit across European and Nordic markets. The platform has processed over $1 billion in B2B payment volume with more than 100,000 monthly orders across 200+ merchants.
The platform's geographic coverage spans 19 markets including the Nordics, broader Europe, and expanding US operations. This multi-market infrastructure positions Two for businesses operating across international boundaries, particularly those with European headquarters or significant European customer bases.
Key Platform Characteristics:
Two's strength lies in its instant checkout experience and multi-market coverage. The platform serves merchants seeking to offer trade credit at the point of sale across European markets with rapid credit decisioning.
Two's primary market presence concentrates in the Nordics and broader Europe, with US expansion underway. This geographic focus makes the platform particularly relevant for businesses with European operations or customer bases spanning multiple European countries.
The API-first architecture supports custom integrations for enterprise deployments, though the platform's US presence remains newer compared to its established European operations.
Gaviti positions itself as a specialized accounts receivable automation solution focused on collections, cash application, credit management, and dispute resolution. Founded in 2015, the platform has built a substantial user base with 190 reviews on G2 at a 4.4/5 rating and 91 reviews on Capterra at 4.5/5.
The platform's value proposition centers on AR workflow automation rather than financing. This approach serves organizations seeking to optimize their existing receivables processes without adding a financing component.
Core AR Automation Features:
Gaviti uses an ERP-agnostic integration model with documented direct connectors and additional API or file-based methods for other ERP environments. Its FAQ states that setup can be completed within days, although timing depends on the organization's systems and requirements.
Gaviti documents direct connections for systems including NetSuite, QuickBooks Online, Sage Intacct, Xero, Priority ERP, Salesforce, and Zoho Books, while other ERP environments can exchange data through supported API or file-based methods.
The financing component represents a fundamental differentiator between these platforms. How each solution handles credit risk and working capital directly impacts seller cash flow and operational complexity.
Resolve Pay provides non-recourse financing for approved-buyer credit risk. When an eligible approved buyer fails to pay for credit-related reasons, the seller is not responsible for repaying the covered advance. Disputes involving merchandise, fulfillment, or merchant error are handled separately.
Resolve Pay's non-recourse model reduces sellers' exposure to approved-buyer credit defaults. When Resolve advances an eligible approved invoice, the covered advance is protected from buyer non-payment caused by credit risk, subject to the applicable agreement and transaction conditions. This risk structure enables sellers to:
Resolve Pay's integrated model makes non-recourse net terms, credit decisioning, AR automation, and payment workflows available through one platform for qualifying B2B sellers.
Two also offers upfront merchant payment with non-recourse terms, transferring risk through their checkout infrastructure. The key distinction lies in geographic focus and implementation approach rather than fundamental financing structure.
Gaviti operates outside the financing category entirely. The platform optimizes collections and AR workflows but requires sellers to maintain their own financing arrangements or absorb cash flow timing gaps.
Resolve Pay's AI Credit Engine evaluates thousands of buyer dat
a points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive within 24 hours, with instant approvals available for certain purchase amounts.
The quiet credit check approach means buyers receive approval without credit score impact or notification, reducing friction in the purchasing process. Dynamic credit lines adjust based on ongoing payment history, rewarding reliable buyers with increased capacity.
Archipelago Lighting experienced this efficiency firsthand, reducing net terms approval time from 10 days to 24 hours while accessing credit lines 20x higher than previously available. This acceleration enables faster deal closure and improved customer experience.
Two's Delphi AI engine delivers credit decisions in under 2 seconds, optimizing for instant checkout experiences. Gaviti provides credit monitoring capabilities but focuses on risk assessment for existing customers rather than real-time financing approval.
Collections processes directly impact customer relationships and overall brand perception. The approach to payment follow-up can either strengthen buyer partnerships or create friction that damages long-term business value.
Resolve Pay's Agentic Collections automates multi-channel follow-up sequences across email, SMS, and voice AI outbound calls. The system employs tier-based collection sequences, grouping accounts by factors such as balance size and payment history.
The intelligent escalation model adapts based on buyer response patterns:
Sequences pause automatically when payment or dispute is received, preventing inappropriate follow-up that could damage customer relationships. All interactions log to invoice records automatically, maintaining complete audit trails.
The hybrid model combining AI and human agents enables scalable outreach while preserving relationship quality for high-value accounts requiring personal attention.
Gaviti provides collections automation with customizable workflows that allow teams to design their own multi-channel sequences. Two focuses primarily on checkout and payment infrastructure rather than post-purchase collections sequences.
Traditional collection approaches often create adversarial dynamics that damage ongoing business relationships. Aggressive tactics may accelerate specific payment but cost future orders and referrals.
Resolve Pay's approach maintains professional, friendly communication throughout the collection sequence. White-label deployment ensures all communications reflect the seller's brand identity rather than introducing third-party collection agency dynamics.
Customers report the automated sequences actually preserve customer relationships while reducing DSO. The consistency of automated follow-up eliminates the awkwardness of manual collection calls while ensuring no invoice falls through the cracks.
Integration capabilities determine implementation complexity and ongoing operational efficiency. The ability to connect with existing ERP, accounting, and e-commerce systems impacts time-to-value and total cost of ownership.
Resolve Pay provides integrations across major B2B commerce systems:
Resolve Pay can synchronize ecommerce and supported ERP workflows to reduce duplicate data entry and simplify reconciliation. Supported ecommerce integrations can generally be configured within minutes to a few hours depending on the setup, while broader onboarding and full ERP integrations may take several days to a few weeks.
The 2025 BigCommerce Innovative Integration Award recognizes Resolve Pay's embedded checkout capabilities, enabling seamless net terms offered at the point of purchase.
Two offers API-first architecture with plugins for Shopify, WooCommerce, Magento, and additional platforms including Crystallize, Optimizely, and DynamicWeb. The implementation timeline of 1-2 weeks reflects the API-driven approach.
Gaviti uses an ERP-agnostic integration model with documented direct connectors and additional API or file-based methods for other ERP environments. This breadth serves organizations with complex or non-standard technology environments.
The buyer experience influences purchasing decisions and ongoing relationship quality. White-labeled payment portals maintain seller brand identity throughout the payment journey.
Resolve Pay's B2B Payment Portal provides branded buyer dashboards showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging capabilities.
The mobile-responsive, checkout-style payment experience meets modern buyer expectations while supporting multiple payment methods through a single interface.
Two offers B2B checkout infrastructure focused on the purchasing moment rather than ongoing account management. Gaviti provides customer self-service portals for invoice access and payment.
Several factors distinguish Resolve Pay's approach for US B2B sellers seeking comprehensive payment and AR solutions.
Traditional factoring arrangements may use recourse structures that can leave sellers responsible for unpaid receivables. Resolve Pay instead provides non-recourse financing for approved-buyer credit risk on eligible advances. Sellers retain the covered advance when an approved buyer fails to pay for credit-related reasons, while merchandise disputes, merchant errors, and similar non-credit issues follow separate resolution processes.
Point solutions addressing individual AR challenges create integration complexity and operational overhead. Managing separate vendors for credit decisioning, financing, AR automation, and payment processing multiplies implementation effort and ongoing administration.
Resolve Pay consolidates these functions into a single platform:
This integration eliminates data silos and reduces the total cost of ownership compared to assembling multiple point solutions.
Customer results demonstrate the practical impact of Resolve Pay's approach across diverse B2B industries.
SS&SI Dealer Network achieved 5x revenue growth through the Resolve Pay platform, leveraging expanded net terms capabilities to capture business previously unavailable due to credit constraints.
ConEquip (construction equipment) delivered 30% year-over-year growth by offering competitive terms to contractors and builders who require extended payment windows.
Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours. The accelerated credit decisioning enables faster deal closure and improved customer experience, with credit lines 20x higher than previously available.
Elston Materials (concrete supplier) increased margins from 25% to 30%, a 5-point improvement attributed to reduced AR overhead and improved cash flow management.
Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours, enabling the team to focus on customer relationships rather than administrative tasks.
The 2025 BigCommerce Innovative Integration Award recognizes Resolve Pay's embedded checkout capabilities. This industry recognition validates the platform's approach to seamless e-commerce net terms.
The platform's heritage as an Affirm spinout, built by former executives from Affirm, PayPal, and Amazon, brings proven consumer fintech expertise to B2B commerce challenges. This leadership team has navigated credit risk, payment processing, and platform scaling at industry-defining companies.
Resolve Pay is designed for B2B sellers that want to combine net terms, credit decisioning, cash-flow acceleration, AR automation, collections, and payment workflows rather than managing these functions separately.
Cash Flow and Risk:
B2B Sales Channels:
Integration Needs:
AR Operations:
For sellers managing extended B2B payment terms, Resolve Pay brings these workflows into one platform while helping reduce the operational burden of managing receivables internally. The unified approach eliminates the need to coordinate multiple vendors for credit checks, financing, AR automation, and payment processing.
Mid-market manufacturers, distributors, and wholesalers with $1M+ annual revenue typically experience the strongest fit, particularly in HVAC parts distribution, electrical and plumbing supplies, industrial equipment manufacturing, medical and pharmaceutical distribution, and construction materials supply.
Traditional factoring arrangements may use recourse structures that can leave sellers responsible for unpaid receivables. Resolve Pay provides non-recourse financing for approved-buyer credit risk on eligible advances. Sellers retain the covered advance when an approved buyer fails to pay for credit-related reasons, while merchandise disputes and merchant errors follow separate resolution processes.
The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions within 24 hours. The quiet credit check approach means buyers receive approval without credit score impact or notification. Dynamic credit lines adjust based on ongoing payment history, rewarding reliable buyers with increased capacity.
Resolve Pay supports online, offline, field sales, and embedded B2B payment workflows. Its documented ecommerce integrations include Shopify and Shopify Plus, BigCommerce, Magento 2, and WooCommerce, while supported ERP integrations include QuickBooks Online and NetSuite. The platform also provides SDK and API options for custom environments.
Resolve Pay serves 15,000+ businesses with focus on mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries. Primary customer segments include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. The platform addresses organizations needing cash flow acceleration through net terms financing combined with AR automation.
Agentic Collections automates multi-channel follow-up sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. Sequences pause automatically when payment or dispute is received. All communications use white-label deployment reflecting the seller's brand identity. The hybrid model combining AI and human agents enables scalable outreach while preserving relationship quality.
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.