Oct 02, 2026
Selecting the right B2B payment solution can determine whether your wholesale, manufacturing, or distribution business thrives or struggles with cash flow constraints. While Two offers B2B BNPL capabilities and Paystand provides AR automation and payment workflows, Resolve Pay delivers a complete supplier-first platform combining non-recourse net terms financing, AI-powered credit decisioning, and full accounts receivable automation in a single integrated solution. Understanding these fundamental differences helps mid-market B2B sellers choose the approach that matches their cash flow goals, risk tolerance, and operational requirements.
When B2B suppliers evaluate payment and financing solutions, the choice between BNPL platforms, AR automation tools, and complete supplier-first solutions becomes critical. Three distinct approaches represent fundamentally different philosophies toward managing net terms, credit risk, and accounts receivable. Two operates as a B2B BNPL platform serving merchants with fast credit decisions. Paystand functions as an AR automation platform with payment network capabilities. Resolve Pay takes a different approach, delivering a complete platform that combines non-recourse financing, AI credit decisioning, and full AR automation specifically designed for North American manufacturers, distributors, and wholesalers.
Key Takeaways
- Resolve Pay combines non-recourse financing, credit decisioning, AR automation, payments, and collections in one integrated supplier-focused workflow
- Resolve Pay can advance up to 100% of eligible approved invoice value within 24 hours, with the advance structure determined by the approved invoice and buyer risk profile
- Resolve Pay serves 15,000+ businesses and currently holds a 5.0/5 G2 rating from 17 reviews, while Paystand is currently rated about 4.4/5 on G2
- Customers report 40% average order value increases and improved cash flow through Resolve Pay's integrated approach to net terms and AR management
- Resolve Pay provides native integrations with Shopify, BigCommerce, Magento 2, WooCommerce, NetSuite, QuickBooks Online, Xero, and Sage Intacct
- Two focuses on B2B payment terms across multiple markets and documents sub-two-second credit decisions, while Paystand focuses on AR automation and B2B payment workflows
Understanding the B2B Payments Landscape
The B2B payments technology market encompasses three distinct categories, each serving different operational models and geographic markets. According to Federal Reserve research, B2B payment flows represent the largest transaction values in the commercial banking system, making platform selection critical for working capital management.
B2B BNPL platforms like Two serve as net terms infrastructure for merchants. These platforms enable sellers to offer deferred payment terms while receiving payment from the BNPL provider. Two reports processing over 100,000 monthly B2B orders with payment volume exceeding $1 billion equivalent, with multi-currency support across EUR, GBP, USD, and Nordic currencies.
AR automation platforms like Paystand represent another approach, focusing on payment processing and cash application. Paystand operates a network connecting more than 1 million businesses and provides invoice management, payment acceptance across multiple rails, and reconciliation automation. AR automation platforms primarily focus on invoicing, payment acceptance, reconciliation, and collections workflows, while financing may be handled separately depending on the provider.
Integrated supplier-first platforms like Resolve Pay combine net terms financing, credit decisioning, and AR automation in a single solution. Resolve Pay's approach delivers both financing and automation capabilities together. Sellers offer Net 30, 60, or 90 terms to buyers while eligible approved invoices may receive advance payment within 24 hours. The platform handles credit checks, invoice generation, payment reminders, and collections through a unified workflow.
Resolve Pay
Resolve Pay's Complete Platform
Resolve Pay operates as an integrated B2B payments platform specifically designed for manufacturers, distributors, and wholesalers who need to offer competitive net terms while reducing cash-flow strain and covered buyer credit risk. The platform originated as a spinout from Affirm, bringing consumer BNPL expertise to the B2B market through a team of former Affirm, Amazon, and PayPal executives.
The platform runs continuously across the entire order-to-cash cycle. Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including:
- Cash flow trends and bank transaction patterns
- Payment history across trade relationships
- Behavioral signals indicating creditworthiness
- Company financial indicators and growth trajectory
Credit decisions typically complete within 24 hours, with eligible instant approvals for purchases up to $25,000. Dynamic credit lines adjust based on payment history, rewarding good buyers with increased purchasing power over time. The system uses quiet credit checks that do not notify buyers or impact credit scores.
Through Advance Pay, eligible approved invoices can receive advance payment within 24 hours, with advance amounts varying by the approved structure while buyers continue paying on their agreed terms. Unlike traditional factoring, Resolve Pay's non-recourse model means sellers can reduce exposure to covered buyer default risk on eligible approved invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than charging back to the seller.
AR Automation and Collections
The AR automation capabilities include:
- Automated invoice generation synced from ERP and ecommerce platforms
- Smart payment reconciliation using machine learning to match payments to invoices automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health
- Two-way ERP sync with QuickBooks, Xero, Sage Intacct, and NetSuite
Resolve Pay's Agentic Collections provides multi-channel automated sequences across email, SMS, and voice AI outbound calls. The system escalates intelligently based on buyer response and payment history, pausing automatically when payments or disputes are received.
Platform Reach and Integrations
Resolve Pay serves 15,000+ businesses actively using the platform, with a focus on mid-market B2B sellers typically generating $1M+ in annual revenue. The platform won the 2025 BigCommerce Innovative Integration Award recognizing its ecommerce checkout capabilities.
Ecommerce integrations include Shopify (including Shopify checkout integration), BigCommerce, Magento 2, and WooCommerce. Accounting/ERP integrations include NetSuite with two-way sync, QuickBooks Online, Xero, and Sage Intacct.
Two
Two's B2B Payment Platform
Two positions itself as a B2B BNPL and net terms infrastructure platform founded in 2020. The company has raised venture funding to build payment capabilities serving multiple markets. The platform processes over 100,000 monthly B2B orders with payment volume exceeding $1 billion equivalent.
Two's Delphi credit engine can deliver credit decisions in under 2 seconds. The under-two-second decisioning is designed to support checkout-based B2B payment flows. The platform offers flexible payment terms ranging from 7 to 120 days, with installment options extending to 36 months for larger purchases like SaaS contracts or equipment.
Two supports multiple settlement and buyer currencies across the markets it serves, supporting cross-border B2B transactions. The platform supports omnichannel selling across online, direct sales, and in-store transactions. Two's Frida AI fraud prevention system reportedly prevented over $70 million equivalent in fraud during 2023.
Two's Integration Ecosystem
Ecommerce integrations span multiple platforms including Shopify, WooCommerce, Magento, 24Nettbutikk, DynamicWeb, Optimizely, Crystallize, and Craft CMS. This broad coverage enables deployment across diverse ecommerce environments. ERP connections use API-based approaches for system integration.
Paystand
Paystand's AR Automation Platform
Paystand operates as an AR automation and B2B payment platform with over 1 million companies connected to its network. The platform focuses on payment processing, invoice management, and cash application automation.
Paystand's payment network supports digital B2B payments alongside ACH, wire transfers, and credit cards. The cash application automation uses AI to match payments to invoices automatically. The platform integrates deeply with ERP systems to support automated receivables workflows.
Paystand's ERP Integrations
ERP integrations represent a focus area for Paystand, with native connectors for NetSuite (including Autopay functionality), Sage Intacct, Microsoft Dynamics 365, and QuickBooks. The NetSuite SuiteApp integration enables automated collections workflows within the ERP environment. Blockchain infrastructure provides immutable audit trails for all transactions.
Paystand focuses on AR automation and B2B payments. Financing is separate from its core AR and payment platform, meaning sellers seeking net terms financing would need to arrange that separately. G2 currently lists Paystand at about 4.4/5, with users discussing its payment automation and ERP-connected workflows.
Net Terms Financing Comparison
Net terms represent the foundation of B2B trade credit, allowing buyers to pay invoices 30, 60, or 90 days after receiving goods or services. The U.S. Treasury recognizes trade credit as a critical component of working capital management for American businesses. How each platform handles net terms financing reveals fundamental differences in business models.
Resolve Pay provides direct non-recourse financing as a core capability. When sellers offer net terms through Resolve Pay, buyers receive approved credit lines based on AI evaluation, and eligible approved invoices can receive advance payment within 24 hours with advance amounts varying according to the approved structure and buyer risk profile. Resolve Pay assumes default risk on approved invoices, and sellers never face chargebacks for buyer non-payment on approved transactions.
Two offers net terms ranging from 7 to 120 days plus instalment options up to 36 months. The platform provides merchant settlement through its BNPL model, with terms flexibility allowing merchants to match payment options to buyer segments and purchase sizes. Two's approach supports merchants who need multi-currency support and fast checkout-integrated credit decisions.
Paystand does not include direct net terms financing in its core platform. The platform is designed for businesses seeking payment and AR automation within established finance workflows. This model suits companies focused on payment acceptance and AR automation. Resolve Pay takes a more integrated approach by combining net terms financing, credit decisioning, payments, and AR workflows in one platform.
Credit Decisioning and Approval Speed
Credit decisioning determines which buyers qualify for net terms and at what limits. The sophistication and speed of credit evaluation directly impacts sales velocity and risk management.
Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, behavioral signals, and company financial indicators. Credit decisions typically complete within 24 hours, with eligible instant approvals for purchases up to $25,000. The system uses quiet credit checks that do not notify buyers or impact credit scores, eliminating the friction that traditional credit applications create.
Two's Delphi credit engine can deliver decisions in under 2 seconds. The system supports real-time credit evaluation for checkout flows where decision speed is critical for the buyer experience.
Paystand does not position credit decisioning as a core capability. The platform focuses on payment acceptance and AR automation rather than credit underwriting.
AR Automation and Collections Workflows
Accounts receivable automation determines how much manual work finance teams must perform and how effectively outstanding invoices convert to cash. All three platforms approach AR differently based on their primary business models.
Resolve Pay provides full AR automation including automated invoice generation synced from ERP and ecommerce platforms, smart payment reconciliation using ML to match payments to invoices, real-time AR dashboards showing DSO and aging buckets, two-way ERP sync with QuickBooks, Xero, Sage Intacct, and NetSuite, and Agentic Collections with multi-channel automated sequences. The collections automation sequences emails, SMS, and voice AI calls based on configurable day thresholds, with outreach pausing automatically when payments or disputes arrive.
Resolve Pay combines upfront liquidity on eligible approved invoices with automated collections, helping sellers improve cash-flow timing without waiting for the buyer's full payment cycle. Customers report improved working capital management through the combination of advance payments and automated AR workflows.
Two provides portal-based invoice management and payment tracking as part of its BNPL platform. Merchants and buyers access dashboards showing transaction status and payment schedules. Two's primary focus remains credit decisioning and payment terms rather than comprehensive AR workflow automation.
Paystand provides AR automation features designed to connect payment and receivables workflows with ERP systems. The platform integrates deeply with ERPs, particularly NetSuite, to support collections workflows within familiar environments. Customer feedback discusses its automation capabilities and how implementation connects with existing financial systems.
Customer Results and Recognition
Measurable outcomes reveal how platforms perform in real-world deployments across different business contexts.
Resolve Pay customers report significant business improvements:
- 40% average order value increase from offering net terms to more buyers
- 5x revenue growth reported by SS&SI Dealer Network
- 30% year-over-year growth achieved by ConEquip
- Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours
G2 reviewers rate Resolve Pay 5.0/5 based on 17 reviews, with users praising customer support quality and implementation ease.
Two reports processing 100,000+ monthly orders with over $1 billion equivalent payment volume. Customer information describes the platform's B2B payment and credit workflows. The platform's fraud prevention reports significant fraud prevention through its AI-based risk management systems.
Paystand operates a network connecting more than 1 million businesses. G2 currently lists the platform at about 4.4/5. Paystand's platform focuses on payment automation, cash application, reconciliation, and ERP-connected AR workflows.
Geographic Focus and Market Specialization
Regional expertise and market focus influence how well platforms serve specific merchant types and operational contexts.
Resolve Pay concentrates on the North American market, with particular depth serving manufacturers, wholesale distributors, HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. This industry-specific focus means deep understanding of B2B trade credit dynamics, supply chain financing needs, and the specific challenges mid-market suppliers face when extending net terms.
Two maintains positioning across multiple markets. Multi-currency support and regional ecommerce platform integrations support merchants selling across borders. The platform's expansion into different markets represents part of its growth strategy.
Paystand focuses on businesses with established ERP workflows, including NetSuite users. Its ERP integrations support organizations seeking to connect payment and receivables processes with their financial systems.
Why Resolve Pay Delivers for B2B Suppliers
For North American manufacturers, distributors, and wholesalers seeking a platform that combines cash-flow support through non-recourse financing, AI-powered credit decisioning, and AR automation, Resolve Pay brings these capabilities into one integrated workflow. Its customer results and supplier-focused approach support improvements in cash flow, order values, and AR efficiency.
The platform's approach means suppliers can:
- Offer competitive net terms to buyers without tying up working capital
- Access advance payments on eligible approved invoices within 24 hours
- Eliminate credit risk on approved invoices through non-recourse protection
- Automate the entire AR workflow from invoice generation through collections
- Scale without proportional headcount increases in AR teams
With 15,000+ businesses actively using the platform and a perfect 5.0/5 G2 rating, Resolve Pay's integrated model demonstrates measurable results for mid-market B2B sellers who need immediate cash flow, credit risk protection, and automated AR management working together in one comprehensive solution.
Frequently Asked Questions
What makes Resolve Pay different from Two and Paystand?
Resolve Pay combines non-recourse net terms financing, AI-powered credit decisioning, AR automation, payments, and collections in a single integrated solution. Two focuses on B2B BNPL with fast credit decisions, while Paystand provides AR automation and payment workflows. Resolve Pay's approach means North American suppliers can offer competitive net terms, access advance payments on eligible approved invoices, eliminate credit risk on approved transactions, and automate their entire AR workflow through one platform.
How quickly can sellers receive payment through these platforms?
Resolve Pay can advance eligible approved invoices within 24 hours, with advance amounts determined by the approved structure. Two provides merchant settlement through its BNPL model with various settlement schedules. Paystand's settlement timing depends on the payment method and workflow configuration. For sellers prioritizing cash flow with non-recourse protection, Resolve Pay's model transforms accounts receivable into accessible working capital.
Can Resolve Pay integrate with existing ecommerce and ERP systems?
Yes, Resolve Pay provides native integrations with major ecommerce platforms including Shopify, BigCommerce (2025 Innovative Integration Award winner), Magento 2, and WooCommerce. ERP integrations include NetSuite, QuickBooks Online, Xero, and Sage Intacct with two-way sync for automated invoice and payment data flow. Most teams launch within one week through pre-built connectors. Two emphasizes ecommerce platform breadth, while Paystand focuses on deep ERP integrations especially for NetSuite users.
What happens if a buyer does not pay their invoice with Resolve Pay?
Resolve Pay's non-recourse model means sellers can reduce exposure to covered buyer default risk on eligible approved invoices. If an approved buyer fails to pay, Resolve Pay assumes the applicable covered buyer default risk, subject to program terms rather than charging back to the seller. This fundamentally differs from recourse factoring where sellers remain liable for buyer defaults. Two also offers non-recourse protection on approved transactions, while Paystand does not provide direct financing.
How does Resolve Pay help improve cash flow timing?
Resolve Pay improves cash flow through two mechanisms. First, advance payments on eligible approved invoices can provide cash within 24 hours instead of requiring sellers to wait through the buyer's full payment term. Second, Agentic Collections automates multi-channel follow-up sequences to accelerate buyer payments. This combined approach helps sellers access working capital while maintaining professional buyer relationships through consistent, automated communication rather than manual collections work.
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.
