If you are comparing Resolve Pay, Versapay, and FundThrough for B2B cash flow, the most important question is where the cash flow problem begins. Some suppliers need to offer net terms before an order is placed. Others need to automate invoice-to-cash workflows after invoices go out. Some need short-term access to cash from receivables that already exist.
Resolve Pay is built for suppliers that want to offer business buyers flexible terms while improving cash flow, reducing credit risk, and automating accounts receivable work in the same workflow. Versapay is generally evaluated for collaborative AR and invoice-to-cash operations. FundThrough is generally evaluated for invoice financing after receivables are already outstanding.
That distinction matters in 2026 because B2B buyers still expect payment flexibility, while suppliers are under pressure to keep DSO, credit decisions, reconciliation, and collections under control. The B2B BNPL market continues to expand, and small business financing data from the Federal Reserve shows why working capital access remains a practical concern for many businesses.
Teams compare these platforms because each one touches receivables and cash flow, but each one solves a different problem first.
That difference matters more than the shared category language. One supplier may need funded terms at checkout. Another may need tighter invoice-to-cash workflows. Another may only need faster access to cash from invoices that have already been issued.
Some finance leaders need a way to offer net terms without carrying the full credit burden internally. Some already have a financing strategy and want stronger invoice presentment, dispute handling, and cash application. Others only need a way to accelerate cash from open invoices. That is why shortlists get messy: a funded net terms platform, an AR management software platform, and an invoice financing platform can all appear in the same search, even though they belong to different stages of the workflow.
This distinction matters for mid-market suppliers. They rarely have separate teams for credit, treasury, collections, and ERP operations. They need a platform that matches how they sell, invoice, collect, and reconcile.
Resolve Pay is the strongest fit for suppliers that need a B2B buy now, pay later workflow at the point of sale, want funded net terms financing, and do not want to absorb the same credit exposure as a traditional in-house terms program.
Resolve Pay helps suppliers offer net terms to B2B buyers while getting paid upfront on approved invoices. The platform supports AI-driven credit decisions, non-recourse credit on approved buyers, invoicing, collections, payment workflows, reconciliation, and AR automation. It is designed for B2B merchants, manufacturers, wholesalers, and distributors that want to grow sales while reducing credit and receivables workload.
Versapay is an AR automation platform centered on invoice presentment, customer collaboration, cash application, and collections workflows. It is commonly evaluated by finance teams that want to modernize invoice-to-cash execution and improve collaboration around receivables.
FundThrough is an invoice financing product built around accelerating cash from approved invoices that already exist. It is generally evaluated as a tactical working capital option for receivables that have already been issued, which makes it different from a buyer-facing net terms workflow.
|
Feature area |
Resolve Pay |
Versapay |
FundThrough |
|---|---|---|---|
|
Core model |
Funded net terms plus AR automation |
Collaborative AR automation |
Invoice financing |
|
Primary job |
Offer terms and help suppliers get paid upfront on approved invoices |
Improve invoice-to-cash workflows |
Accelerate cash from issued invoices |
|
Buyer underwriting |
Core workflow with AI-driven credit decisions |
Part of the broader AR workflow context, not the main product focus |
Focused on invoice financing eligibility |
|
Non-recourse credit |
Core part of the approved-buyer workflow |
Not the primary platform positioning |
Financing structure depends on invoice eligibility |
|
Supplier cash flow role |
Helps suppliers access cash sooner on approved invoices |
Helps teams manage receivables workflows |
Helps businesses access funds from eligible invoices |
|
Buyer experience |
Supplier-branded net terms workflow |
Invoice and portal collaboration |
Post-invoice funding workflow |
|
AR automation depth |
Credit, invoicing, collections, monitoring, payment workflows, and reconciliation |
Cash application, collections, disputes, and portal workflows |
Focused on funding workflow rather than full AR automation |
|
ERP and ecommerce integration |
QuickBooks, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, and more |
ERP-centered receivables workflows |
Often discussed in accounting-connected funding workflows |
|
Reconciliation role |
Built to reduce manual reconciliation through connected workflows |
Positioned around receivables visibility and AR execution |
Not positioned as a full reconciliation automation platform |
|
Best fit in order-to-cash |
Before or at invoice issuance, during credit approval and terms offering |
After invoice issuance, during collection and collaboration |
After invoice issuance, when cash acceleration is needed |
|
Recommended use case |
Mid-market suppliers that want one platform for terms, payout, and AR automation |
Finance teams modernizing collaborative AR workflows |
Teams seeking tactical liquidity against existing receivables |
Resolve Pay is built for suppliers that want to offer net terms without carrying the full cash flow and credit burden themselves. The platform combines buyer underwriting, non-recourse credit on approved buyers, supplier payout, and accounts receivable automation in one workflow, which is different from buying a standalone receivables tool and then layering financing on top.
For B2B teams under pressure to extend terms, that matters operationally. Resolve Pay helps suppliers approve buyers, offer net terms, get paid upfront on approved invoices, and automate key AR tasks across credit, invoicing, collections, and reconciliation. It also positions ERP integration as a core part of the workflow rather than an add-on.
Resolve Pay also fits the broader shift toward embedded B2B payments. The platform is designed to support ecommerce, marketplace, traditional sales, and hybrid transaction models. That matters as more buyers expect flexible payment terms across digital and offline sales channels, while suppliers still need reliable cash flow and controlled receivables processes. Late payment pressure remains a major issue in B2B commerce, including markets tracked by the EU Payment Observatory.
Resolve Pay is built for the exact B2B supplier problem behind this search: offer terms, protect cash flow, and reduce AR work at the same time.
That combination is especially useful for wholesalers, distributors, manufacturers, and B2B commerce teams that sell to business buyers with larger orders, repeat purchase cycles, and expectations for flexible payment terms. Instead of treating credit, invoices, collections, and reconciliation as separate tools, Resolve Pay connects them through a single workflow.
Resolve Pay is also a strong fit for suppliers that want a factoring alternative because the workflow starts before the invoice becomes an overdue cash flow problem. Suppliers can offer terms earlier in the buying journey and use Resolve Pay to manage the credit-to-cash process after approval.
Resolve Pay is the best fit for wholesalers, distributors, manufacturers, and B2B commerce teams that need to offer net terms as part of a growth strategy, but do not want longer DSO, more collections headcount, or additional credit exposure on the balance sheet.
It is especially relevant for suppliers that want to:
Versapay is commonly evaluated as an AR automation and collaborative invoice-to-cash platform. It is relevant when a finance team wants to improve invoice presentment, cash application, customer communication, dispute workflows, and receivables visibility.
That makes Versapay a reasonable comparison point when the project is centered on AR operations. The evaluation is less about funded terms at the point of sale and more about how the finance team manages invoices, customer collaboration, payments, and collections after invoices exist.
For suppliers comparing Versapay with Resolve Pay, the main question is whether the business needs receivables workflow modernization alone, or whether it also needs funded net terms, buyer credit decisions, and supplier payout in the same workflow.
FundThrough is generally evaluated as an invoice financing option for businesses that want to accelerate cash from receivables that already exist. It can be useful when a supplier has eligible outstanding invoices and wants a way to access cash before the customer pays.
That places FundThrough later in the order-to-cash cycle than Resolve Pay. FundThrough starts with existing invoices. Resolve Pay is designed to help suppliers offer buyer terms earlier, approve buyers, support upfront payment on approved invoices, and automate AR workflows after the sale.
For suppliers comparing FundThrough with Resolve Pay, the key question is whether the business wants tactical invoice acceleration or a broader embedded net terms and AR automation workflow.
The first question is where the problem begins.
If cash flow pressure starts because buyers want terms before placing larger orders, Resolve Pay is the better fit. It helps suppliers offer terms earlier in the sales process while supporting credit decisions, upfront payment on approved invoices, and AR automation after the transaction.
If the problem starts after invoices are sent, an AR automation platform may help the finance team improve invoice-to-cash execution. If the issue is tied to specific open invoices, invoice financing may help with short-term liquidity.
Credit risk is one of the clearest differences in this comparison. Traditional in-house net terms programs require suppliers to assess buyers, set credit limits, track payments, chase collections, and absorb much of the risk when buyers do not pay on time.
Resolve Pay is built to act as a credit team on tap. It manages credit assessment, underwriting, and collections for approved buyers, while helping suppliers offer terms without taking on the same operating burden as a manual terms program.
A cash flow tool should not create friction for good customers. B2B buyers often expect a smooth payment experience, especially when ordering through ecommerce, sales reps, marketplaces, or repeat invoice workflows.
Resolve Pay supports supplier-branded net terms and payment workflows so the buyer experience can remain connected to the seller’s brand. This matters for suppliers that treat payment terms as part of customer experience, not just back-office finance.
For many mid-market suppliers, cash flow is not the only issue. The AR team also has to handle invoices, reminders, payment tracking, reconciliation, and ERP updates. Manual work compounds as order volume grows.
Resolve Pay supports B2B payments and AR automation together, which helps finance teams reduce repetitive work across the credit-to-cash lifecycle. This is particularly important for businesses that want sales growth without adding the same level of finance headcount.
Integrations can determine whether a platform saves time or creates another workflow to manage. Resolve Pay integrates with accounting, ERP, and ecommerce systems, including QuickBooks Online, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, and other tools.
That integration layer helps suppliers connect buyer approvals, invoices, payments, and reconciliation instead of manually moving data across systems.
Resolve Pay, Versapay, and FundThrough become much easier to compare once you stop treating them as interchangeable cash flow tools.
Resolve Pay is the strongest choice for B2B suppliers that want to offer net terms, get paid upfront on approved invoices, reduce credit risk, and automate AR work in one system. It is built for suppliers that want growth without turning their finance team into a manual credit, collections, and reconciliation operation.
Versapay is most relevant when the project is centered on collaborative AR and invoice-to-cash modernization. FundThrough is most relevant when the need is cash acceleration from receivables that already exist.
For most mid-market suppliers in this comparison, Resolve Pay is the best overall fit because it addresses the cash flow problem earlier in the buyer journey. It helps suppliers offer terms, manage credit decisions, support upfront payment on approved invoices, and automate receivables workflows through a connected platform.
If your primary need is offering net terms without stretching DSO, Resolve Pay is the platform worth evaluating first. Get started with Resolve Pay.
Resolve Pay combines funded net terms, non-recourse credit on approved buyers, and AR automation. Versapay focuses on collaborative AR and invoice-to-cash workflows. FundThrough focuses on invoice financing for businesses that want cash from receivables they have already issued.
Resolve Pay is the clearest fit because it helps suppliers extend net terms while still supporting upfront payment on approved transactions. It is built around the seller’s need to offer buyer payment flexibility without creating the same cash flow drag as a traditional in-house terms program.
A CFO should compare credit risk ownership, supplier payout timing, remaining reconciliation work, integration fit, buyer experience, and AR workload. Those variables often matter more than looking at any single commercial term in isolation.
AR automation streamlines invoicing, collections, cash application, payment workflows, and reconciliation. Invoice financing accelerates cash from receivables that already exist. Resolve Pay combines funded net terms with AR automation, which makes it broader than a post-invoice financing workflow.
Resolve Pay is usually the best fit for mid-market B2B suppliers that want net term growth while keeping tighter control of DSO, credit risk, and AR workload. It is purpose-built for suppliers that need financing and automation in one workflow rather than one or the other.
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.