Oct 02, 2026
Selecting the right B2B payment solution can determine whether your business maintains healthy cash flow or struggles with unpaid invoices and manual AR processes. While Two offers checkout-embedded payment terms and Settle focuses on procurement and accounts payable automation, Resolve Pay delivers a comprehensive accounts receivable platform that combines net terms financing, AI-powered credit decisions, and automated collections in a single solution. Understanding the fundamental differences between these platforms helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, geographic focus, and growth objectives.
Key Takeaways
- Resolve Pay, Two, and Settle serve different workflows: Resolve Pay handles accounts receivable (collecting from customers), Two provides checkout-first payment terms, and Settle primarily manages procurement and accounts payable (paying suppliers) with selected AR functions
- Resolve Pay advances up to 90% of invoice value within 1-2 business days with non-recourse financing on eligible approved invoices, helping sellers retain covered advances if an approved buyer defaults, subject to applicable terms
- With 15,000+ businesses on the platform, Resolve Pay specializes in the US market with deep ERP integrations including QuickBooks, NetSuite, Xero, and Sage Intacct
- Two reports coverage across 19 markets and more than €1 billion in B2B payment volume, with operations spanning the US, UK, Nordics, and Pan-Europe
- Resolve Pay's agentic collections uses multi-channel automation across email, SMS, and voice AI, reducing manual AR work by up to 90%
- Resolve Pay supports AI-powered credit decisions in seconds for eligible checkout scenarios, while more complex evaluations can take up to 24 business hours
Understanding the B2B Payment Platform Landscape
The B2B payment technology market encompasses distinct categories that serve different operational models. According to the Federal Reserve Payments Study, ACH payments account for the majority of U.S. noncash payments by value. Revenue leaders must understand these fundamental differences to select tools aligned with their business objectives and existing workflows.
Accounts receivable platforms like Resolve Pay help sellers collect money from customers. These solutions manage the entire credit-to-cash cycle including buyer credit assessment, net terms financing, invoice management, payment collection, and collections automation. The value proposition centers on accelerating cash flow while offloading credit risk.
Checkout-first payment platforms like Two embed payment terms directly at the point of purchase. These tools focus on increasing checkout conversion by offering buyers instant credit decisions and flexible payment options. The primary benefit targets improving sales velocity through streamlined purchasing experiences.
Procure-to-pay platforms like Settle primarily help businesses manage purchasing, supplier bills, vendor payments, and working capital. Settle's current platform also includes selected receivables functions, but its core positioning remains procurement and accounts payable for consumer brands.
The critical distinction lies in money flow direction:
- Resolve Pay: Helps sellers get paid by customers (inbound cash flow)
- Two: Enables buyers to purchase with terms at checkout (transaction facilitation)
- Settle: Primarily supports procurement, supplier payments, and accounts payable workflows
The platforms emphasize different parts of business finance. Resolve Pay centers on seller-side buyer credit, net terms, receivables, invoice advances, reconciliation, and collections, while Settle primarily centers on procurement, accounts payable, vendor payments, and working capital.
Resolve Pay
Resolve Pay's Comprehensive AR Approach
Resolve Pay operates as a complete B2B payments platform designed for manufacturers, distributors, and wholesalers who need to offer net terms while maintaining healthy cash flow. The platform combines credit decisioning, invoice financing, AR automation, and collections in a unified solution.
The net terms financing capability allows sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving advance payment on approved invoices. Resolve Pay advances up to 90% of invoice value within 1-2 business days, with the remaining balance released when buyers pay. The non-recourse structure means sellers retain advanced funds even if approved customers default.
The AI-powered credit engine evaluates thousands of buyer data points, including cash flow trends, payment history, and behavioral signals. Eligible checkout scenarios can receive decisions in seconds, while more complex credit assessments may take up to 24 business hours.
Resolve Pay's AR automation capabilities include:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match invoices to payments
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Two-way sync with QuickBooks Online, Xero, Sage Intacct, and NetSuite
The agentic collections feature uses multi-channel automated sequences across email, SMS, and voice AI. The system handles intelligent escalation based on buyer response and payment history, pausing automatically when payments or disputes are received. This automation reduces manual AR work by up to 90% while preserving customer relationships through professional outreach.
Resolve Pay's Market Position
Resolve Pay serves 15,000+ businesses with a primary focus on mid-market B2B sellers generating $1M or more in annual revenue. The platform maintains a 5.0/5 rating on G2 based on customer reviews.
Core industries include:
- HVAC parts distribution
- Electrical and plumbing supplies
- Industrial fasteners and hardware
- Janitorial and sanitation supplies
- Building materials
- Machinery and equipment manufacturing
- Pharmaceutical distribution
Customer outcomes demonstrate the platform's effectiveness. Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours. Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours. ConEquip achieved 30% year-over-year growth, while SS&SI Dealer Network reached 5x revenue growth.
Resolve Pay's Integration Ecosystem
Resolve Pay offers native integrations with major ecommerce and accounting platforms:
Ecommerce platforms:
Accounting and ERP systems:
The bi-directional sync automates invoice creation, payment matching, and reconciliation. Resolve Pay is SOC 2 Type II attested with independently audited controls. Teams can launch in under one week for standard implementations.
Two
Two's Checkout-First Model
Two positions itself as a B2B payment solution that embeds payment terms into online and offline purchasing workflows. The company reports coverage across 19 markets and more than €1 billion in B2B payment volume, with operations spanning the US, UK, Nordics, and Pan-Europe.
Two's approach prioritizes checkout conversion speed. The platform claims credit decisions in under 2 seconds using its Delphi AI engine, with credit limits reportedly 7x higher than traditional credit bureaus.
Two's core capabilities include:
- Instant credit decisions at checkout across online, phone, email, and in-store channels
- Payment terms ranging from Net 7-90 days plus installment plans up to 36 months
- Fraud prevention (the company reports €70M in fraud losses prevented in 2023)
- Full upfront payment to sellers on approved orders
- Credit and fraud risk absorption
Two maintains partnerships with Santander, Allianz Trade, and ABN AMRO, providing institutional backing in European markets. The platform supports ecommerce integrations including Shopify, WooCommerce, Magento, and various European platforms.
Two's Post-Sale Workflows
Two also supports post-sale workflows, including invoicing, payment reminders, dunning, collections, and risk management. The platform provides API and commerce integration capabilities for supported workflows. Two supports both online and offline payment-term integrations across its operating markets.
Two's Geographic and Commercial Structure
Two operate across the US, UK, Nordics, and Pan-Europe. Two's commercial terms depend on the merchant's arrangement and use case. Businesses evaluating payment-term providers should review contract terms, risk coverage, settlement structure, and supported workflows alongside pricing.
Settle
Settle's Platform Focus
Settle is primarily positioned as a procurement, accounts payable, vendor-payment, and working-capital platform for CPG and ecommerce brands. Its current product also includes selected accounts receivable functions, but receivables are not its primary positioning.
Settle's core functions include:
- Vendor payment management and scheduling
- Procurement workflow automation
- Purchase order management
- Working capital for inventory and supply purchases
- Internal AP approval workflows
The key distinction is their primary workflow focus: Resolve Pay manages seller-side receivables, including buyer credit, net terms, invoice advances, reconciliation, and collections, while Settle primarily manages procurement, supplier payments, and accounts payable.
Settle's Workflow Orientation
Comparing Settle with Resolve Pay requires separating their primary workflows. Resolve Pay is centered on the seller-side credit-to-cash process, while Settle is centered primarily on procure-to-pay, vendor payments, and working capital, with selected AR functionality also available. The platforms therefore address different primary finance workflows rather than serving as direct substitutes across every use case.
Feature Comparison: Resolve Pay vs Two
Resolve Pay and Two overlap more directly around seller payment terms and credit workflows. The following comparison focuses on how each platform handles credit decisioning, invoice financing, AR automation, integrations, and geographic coverage.
Credit Decisioning
Resolve Pay:
- AI-powered credit decisions in seconds for eligible checkout scenarios, with more complex assessments taking up to 24 business hours
- Evaluates thousands of buyer data points including cash flow, payment history, and behavioral signals
- Quiet credit checks that don't impact buyer credit scores
- Dynamic credit lines based on buyer and payment information
Two:
- Claims sub-2-second credit decisions
- Reports 7x higher credit limits than traditional bureaus
- 98% buyer verification completion rate
- Integrated fraud prevention
Both platforms support rapid credit decisioning for B2B purchasing workflows. Resolve Pay combines its credit engine with invoice advances, receivables automation, payment workflows, reconciliation, and collections for B2B sellers.
Invoice Financing Terms
Resolve Pay:
- Net 30, 60, and 90 day terms with custom options available
- Up to 90% advance on approved invoices within 1-2 business days
- non-recourse financing on approved transactions
- Remaining 10% released when buyer pays
Two:
- Net 7-90 day terms plus 3-36 month installment plans
- Full upfront payment on approved orders
- Absorbs credit and fraud risk
- Extended installment options for larger purchases
Two supports net terms and longer installment structures. Resolve Pay supports B2B net terms while connecting approved buyer credit with non-recourse invoice advances and broader receivables automation.
AR Automation Capabilities
Resolve Pay:
- Complete AR automation platform with invoice generation, reconciliation, and collections
- Two-way ERP sync with automatic payment matching
- Real-time AR dashboard showing DSO and aging
- Agentic collections with email, SMS, and voice AI
- Reduces manual AR work by up to 90%
Two:
- Automated invoicing, reminders, and dunning
- Payment collection and risk-management workflows
- API and commerce integration capabilities
Resolve Pay combines AR automation with non-recourse advances on eligible approved invoices, ERP and accounting connectivity, automated reconciliation, payment workflows, and agentic collections in one receivables platform.
Integration Depth
Resolve Pay:
- Native integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct
- Ecommerce integrations with Shopify, BigCommerce, Magento, WooCommerce
- Bi-directional sync with automated reconciliation
- REST API with webhooks for custom implementations
Two:
- API and commerce integration capabilities
- ERP and commerce connectivity for supported workflows
- Online and offline payment-term integrations
Resolve Pay supports QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce, along with APIs and webhooks for supported custom implementations.
Geographic Specialization
Resolve Pay:
- US market focus with deep domestic buyer data
- Strongest coverage for North American sellers
- SOC 2 Type II attested with independently audited controls
Two:
- US, UK, Nordics, and Pan-Europe coverage
- Operates across 19 markets
- Partnerships with European financial institutions
Resolve Pay focuses on B2B sellers across North America, while Two operates across the US, UK, Nordics, and Pan-Europe. Geographic coverage is one of several operational differences between the platforms.
Where Resolve Pay Fits
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to bring buyer credit, net terms, invoice funding, payments, reconciliation, and collections into one receivables workflow.
Key capabilities include:
- Integrated AR automation across invoicing, reconciliation, payment workflows, and collections
- Non-recourse advances on eligible approved invoices
- AI-powered buyer credit integrated into the sales and checkout process
- ERP and accounting connectivity across supported systems such as QuickBooks Online, NetSuite, Xero, and Sage Intacct
- Ecommerce integrations for supported Shopify, BigCommerce, Magento, and WooCommerce workflows
- Agentic collections using automated outreach and escalation workflows
Two's checkout and payment-term capabilities represent a different product emphasis. Resolve Pay's focus is the broader seller-side credit-to-cash workflow, combining buyer credit, net terms, invoice advances, reconciliation, payments, and collections. Procurement, supplier-payment, and inventory-funding requirements fall primarily within Settle's core positioning, while Resolve Pay is designed around seller-side receivables and net terms.
For manufacturers, distributors, wholesalers, and other B2B sellers managing receivables, Resolve Pay's integrated platform brings buyer credit, net terms, eligible non-recourse invoice advances, payments, reconciliation, and collections into one credit-to-cash workflow. Its combination of AI-powered credit decisioning, AR automation, supported ERP and ecommerce integrations, and agentic collections helps finance teams offer flexible payment terms while improving cash-flow predictability and reducing manual receivables work.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing work?
Resolve Pay's non-recourse financing means sellers keep advanced funds even if approved customers default. The platform advances up to 90% of invoice value within 1-2 business days. This helps shift covered buyer default risk away from the seller on eligible approved transactions, improving cash-flow predictability while reducing bad-debt exposure.
Can Resolve Pay integrate with existing ERP systems?
Yes, Resolve Pay offers native integrations with QuickBooks Online, NetSuite, Sage Intacct, and Xero. The bi-directional sync automates invoice creation, payment matching, and reconciliation. Most teams launch in under one week for standard integrations, with the platform maintaining data consistency across systems.
What industries use Resolve Pay's platform?
Resolve Pay serves 15,000+ businesses primarily in mid-market B2B distribution and manufacturing. Key industries include HVAC parts distribution, electrical supplies, plumbing supplies, industrial fasteners, janitorial supplies, building materials, machinery manufacturing, and pharmaceutical distribution across North America.
How does Resolve Pay's AI credit engine evaluate buyers?
The credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Eligible checkout scenarios can receive decisions in seconds, while more complex assessments may take up to 24 business hours. Resolve Pay also supports discreet business credit checks that do not impact the buyer's credit score.
What does Resolve Pay manage in the B2B payment workflow?
Resolve Pay focuses on the seller-side credit-to-cash process. The platform connects buyer credit decisioning, net terms, eligible invoice advances, invoicing, payment workflows, reconciliation, and collections so B2B sellers can manage receivables within a more unified workflow designed for accounts receivable teams.
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.
