B2B suppliers often face the same cash flow problem: buyers expect net terms, but suppliers still need predictable working capital to fulfill orders, pay vendors, and keep finance operations moving. Resolve Pay is built for that gap. Its B2B net terms platform helps suppliers offer flexible payment terms to approved business buyers while getting paid faster, reducing credit exposure, and keeping receivables workflows connected to invoicing, payments, and collections.
That matters in markets where receivables and payment complexity are still material operating issues. U.S. merchant wholesalers generated $11.38 trillion in sales in 2022, while finance teams continue moving from manual payments toward digital workflows as check usage declines in B2B payments. The 2025 AFP Digital Payments Survey also shows why automation and payment security remain priorities for finance teams.
VersaPay and Hokodo appear in the same search because buyers compare AR automation, B2B buy now, pay later, and net terms financing together. In 2026, however, the comparison is not equal. VersaPay remains an AR automation reference point, while Hokodo is now historical context after the company wound up operations. Resolve Pay is the strongest choice for suppliers that want net terms financing, credit risk support, payment workflows, and AR automation in one platform.
Resolve Pay is a B2B payments platform for suppliers that want to offer net terms while improving cash flow and reducing receivables risk. It brings credit decisions, net terms, invoicing, payment acceptance, collections, and reconciliation into a connected workflow.
Resolve Pay is especially relevant for suppliers that want to:
Resolve Pay also positions itself as a modern factoring alternative because it combines upfront supplier payment with buyer-facing terms and receivables execution.
VersaPay is an accounts receivable automation platform centered on invoice-to-cash workflows. Its product covers digital invoicing, customer payment portals, collections management, cash application, reporting, reconciliation, B2B payment services, and ERP integrations.
In this comparison, VersaPay is the AR-focused benchmark. It is relevant for finance teams that primarily want to streamline receivables operations, improve payment visibility, and manage invoice-to-cash workflows across ERP-connected environments.
Hokodo was a European B2B buy now, pay later and trade credit platform. It offered embedded trade credit, flexible payment terms, and checkout-based financing workflows for merchants and business buyers.
For a 2026 comparison, Hokodo should be treated as historical context. In Hokodo’s own post-mortem, the founders wrote that they wound up Hokodo in late 2025 after eight years, ten countries, more than €500 million in financed invoices, and 100,000 business buyers served.
|
Capability |
Resolve Pay |
VersaPay |
Hokodo |
|---|---|---|---|
|
Core model |
Net terms financing, B2B payments, and AR automation |
Accounts receivable automation |
Historical B2B BNPL and trade credit platform |
|
Buyer approvals |
AI-driven business credit decisions |
Receivables workflow focus |
Historical embedded credit workflow |
|
Supplier payout |
Upfront payment on approved invoices |
Standard invoice-to-cash collection workflow |
Historical merchant payout model |
|
Credit risk support |
Non-recourse cash advances on approved invoices |
AR workflow software |
Historical trade credit model |
|
AR automation |
Invoicing, reminders, collections, payment workflows, and reconciliation |
Digital invoicing, collections, cash application, and reporting |
Secondary to historical BNPL model |
|
ERP and accounting integrations |
QuickBooks Online, Xero, NetSuite, Sage Intacct, ecommerce platforms, and API options through Resolve integrations |
ERP-connected invoice-to-cash workflows |
Historically API and checkout oriented |
|
Payment methods |
ACH, wire, credit card, and check through a branded payment portal |
Digital payment acceptance and AR payment workflows |
Historical buyer payment workflows |
|
Ecommerce fit |
Embedded net terms and checkout workflows for B2B commerce |
Payment and AR workflows |
Historically embedded checkout oriented |
|
2026 operating status |
Active |
Active |
Wound up, historical context |
|
Best fit in this comparison |
Suppliers that want net terms financing plus receivables execution |
Finance teams focused on AR automation |
Category history for B2B BNPL |
Resolve Pay gets the strongest attention here because it addresses both sides of the supplier problem. It helps suppliers extend buyer terms while also supporting cash flow, credit decisioning, collections, and AR operations. That makes it a better fit for businesses that do not want to separate financing, underwriting, invoicing, and reconciliation across multiple systems.
Resolve Pay is built for B2B suppliers that want to offer flexible payment terms without turning internal finance teams into a credit department. Its platform supports credit checks, net terms approvals, invoice advances, payment collection, and receivables automation.
This is important because net terms are not just a payment preference. They affect working capital, sales conversion, buyer purchasing power, collections workload, and bad debt exposure. Resolve Pay brings those workflows together through accounts receivable automation and embedded payment infrastructure.
For suppliers, the practical benefits include:
VersaPay is centered on accounts receivable automation. Its platform helps finance teams manage digital invoicing, cash application, collections, reporting, reconciliation, and payment acceptance.
That makes VersaPay relevant for businesses that are primarily focused on improving receivables operations. It is a useful comparison point for finance teams that want AR workflow automation, especially when the main priority is invoice delivery, customer payment communication, cash application, and ERP-connected receivables management.
In this article, VersaPay is not framed as a direct replacement for Resolve Pay’s net terms financing model. It is better understood as a receivables operations platform.
Hokodo’s history helps explain why B2B BNPL and trade credit are difficult to execute at scale. The company built a pan-European embedded lending platform and served a large buyer base, but its founders later wrote that they wound up the business after facing challenges around focus, product complexity, and scaling.
That history is useful for buyers evaluating the category in 2026. It shows that embedded B2B credit requires more than a checkout experience. Providers need durable underwriting, disciplined credit risk management, strong merchant fit, and operational infrastructure across payments, collections, and receivables.
Many B2B suppliers need more than an AR tool. They need a way to offer payment terms, approve business buyers, receive cash faster, manage collections, and keep invoice records reconciled.
Resolve Pay’s value is that it combines these workflows. The platform supports net terms management, credit assessment, invoicing, collections, and payment workflows, helping suppliers manage the full credit-to-cash process.
That matters for manufacturers, wholesalers, distributors, and merchants where buyer relationships often depend on flexible payment terms. Instead of forcing suppliers to choose between protecting cash flow and giving customers more time to pay, Resolve Pay supports both goals through one workflow.
Resolve Pay’s non-recourse structure is central to its positioning. For approved invoices, Resolve Pay can advance payment while the buyer pays later on agreed terms. This helps suppliers offer terms without carrying the same credit exposure internally.
This is different from traditional AR software, which may help teams manage receivables but does not necessarily fund approved invoices or take on approved credit risk. It is also different from traditional factoring, which often focuses on invoice financing without the same buyer-facing net terms and embedded payments experience.
For suppliers that want to grow sales while protecting cash flow, Resolve Pay’s seller platform is built around that operating model.
B2B commerce rarely happens in one channel. A supplier may receive orders through ecommerce checkout, sales reps, purchase orders, ERP workflows, email, and recurring buyer relationships. Resolve Pay is designed to work across those paths through ecommerce integrations, ERP and accounting connections, and flexible APIs.
Resolve Pay integrates with systems such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, WooCommerce, and custom stacks through ERP integrations. Its documentation also explains how Resolve can connect ecommerce and ERP workflows through integration guides.
For finance teams, this matters because the biggest AR burden often comes after the sale: invoice matching, payment status updates, reconciliation, collections reminders, and reporting. Resolve Pay’s integrated model helps reduce that manual work.
Business buyers often expect payment flexibility. Suppliers that can offer net terms may make it easier for buyers to place larger orders, buy more frequently, or move through procurement without using credit cards for every transaction.
Resolve Pay supports buyer-facing terms through a branded payment portal and checkout experiences. Buyers can use payment methods such as ACH, wire, credit card, and check, while approved buyers can access net terms through the supplier’s workflow.
For ecommerce sellers, Resolve Pay’s net terms ecommerce capabilities make this especially relevant. Business buyers can apply for terms through online checkout or embedded workflows, while suppliers keep the credit and payment process connected to receivables operations.
Resolve Pay is the strongest fit for suppliers that want to offer net terms without waiting through the full buyer payment cycle. It is built for businesses that want faster access to cash, approved buyer credit decisions, receivables automation, and a branded payment experience in one platform.
This includes:
Resolve Pay is also a strong fit for teams evaluating a factoring alternative because it combines financing, credit, collections, and payments inside a buyer-friendly workflow.
VersaPay is most relevant for finance teams focused on receivables process automation. Its core use case is invoice-to-cash management, including digital invoicing, collections, cash application, payment portals, reporting, and ERP-connected receivables workflows.
It can be a useful AR automation reference point for companies comparing receivables software. However, suppliers that need net terms financing and upfront payment on approved invoices should evaluate Resolve Pay first.
Hokodo is useful as category context, not as a live 2026 buying option. Its shutdown highlights the importance of provider focus, underwriting quality, and sustainable credit operations in B2B BNPL.
For teams researching the B2B BNPL market, Hokodo’s story reinforces a key lesson: embedded trade credit is not just a checkout feature. It requires strong credit infrastructure, disciplined risk management, collections workflows, and finance integrations.
Resolve Pay is strongest when it becomes part of the supplier’s payment and receivables infrastructure. It can support net terms at checkout, invoice-based workflows, buyer credit checks, payment collection, reconciliation, and collections follow-up.
A typical Resolve Pay workflow may look like this:
This structure helps suppliers offer a better buyer experience without adding the same level of internal AR workload. It also supports broader finance goals: cleaner reconciliation, better cash flow visibility, fewer manual handoffs, and more scalable terms management.
Resolve Pay is the strongest choice in this comparison for B2B suppliers that want to offer net terms, get paid faster on approved invoices, automate receivables, and reduce credit risk exposure. It is built for the full supplier workflow: credit decisions, net terms, invoicing, payment acceptance, collections, and ERP-connected reconciliation.
VersaPay remains a relevant AR automation benchmark for finance teams focused on invoice-to-cash operations. Hokodo remains important category history after winding up operations, but it should not be treated as a live 2026 procurement path.
For suppliers evaluating how to modernize B2B payments, Resolve Pay is the platform to prioritize. It supports the practical needs that matter most to suppliers: buyer payment flexibility, working capital improvement, non-recourse advances on approved invoices, and connected AR automation.
Resolve Pay combines net terms financing, credit decisioning, payment workflows, collections, and AR automation for B2B suppliers. VersaPay focuses on accounts receivable automation, including invoicing, collections, cash application, payments, and ERP-connected invoice-to-cash workflows.
No. Hokodo’s founders wrote that they wound up the company in late 2025. In this comparison, Hokodo is included as historical B2B BNPL and trade credit context rather than as a live 2026 buying option.
No. Resolve Pay positions itself as a modern alternative to factoring. It supports buyer-facing net terms, supplier payment on approved invoices, credit risk support, collections, and AR automation in one workflow.
Resolve Pay evaluates business buyers, supports approved payment terms, advances payment on approved invoices, and manages payment workflows so suppliers can offer terms without handling the full process manually.
Resolve Pay is best for B2B suppliers, manufacturers, wholesalers, distributors, and ecommerce merchants that want to offer net terms, improve cash flow, automate AR work, and support buyer payment flexibility through one connected platform.
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.