ResolvePay vs Apruve vs Paystand: B2B Payment Automation Compared in 2026

Resolve is the strongest choice for mid-market B2B suppliers who need net terms financing with zero credit risk. Apruve (now part of TreviPay) excels at enterprise-scale global trade credit programs. Paystand differentiates through its subscription-based, zero-transaction-fee model with blockchain-backed audit trails. Choosing between these three platforms comes down to what your business actually needs: financing flexibility, global enterprise reach, or fee-free payment processing. This comparison breaks down every meaningful difference so you can make the right call.

Key Takeaways

• Net Terms Financing: Resolve advances up to 90% of invoice value within 24 hours, with funds typically arriving in 1-2 business days, alongside non-recourse protection for mid-market B2B suppliers
• Credit Risk Protection: Resolve offers non-recourse financing and takes on the majority risk of late payments or defaults, giving sellers far more certainty on every advance
• Transaction Fees: Paystand offers zero fees on bank payments via its subscription model, unique in B2B payments according to G2 reviewers
• Global Reach: Apruve now sits within TreviPay’s global network, which operates in 32 countries and is the broadest international footprint in this comparison
• Enterprise Scale: Apruve is built for large, high-volume trade credit programs backed by TreviPay’s enterprise infrastructure
• Speed of Credit Approval: Resolve's AI-powered system approves buyers in seconds, accelerating the buyer onboarding process
• AR + AP Automation: Paystand is the only platform covering both AR and AP workflows in a single solution
• Pricing Transparency: Resolve offers competitive non-recourse pricing with no hidden costs — per Investopedia's B2B financing guide, pricing transparency is a key differentiator in this market
• Blockchain Audit Trail: Paystand provides immutable, tamper-proof transaction records for compliance-focused businesses
• ERP Integration Depth: Paystand offers native integrations with NetSuite, Sage Intacct, Dynamics 365, and QuickBooks
• Buyer Onboarding: Apruve is built to streamline buyer onboarding for enterprise trade credit programs
• Mid-Market Fit: Resolve is purpose-built for mid-market suppliers with transparent pricing and no enterprise-only gatekeeping

Quick Overview

Resolve 

Resolve is a B2B commerce platform that lets suppliers offer net terms (30, 60, or 90 days) to their buyers while getting paid upfront. The platform uses an AI-powered credit engine to approve buyers in seconds and advances up to 100% of invoice value within 1-2 business days. The key differentiator is that Resolve operates on a non-recourse model — if a buyer defaults, Resolve absorbs the loss, not the supplier.

Founded by former Affirm and PayPal engineers, Resolve has built a platform trusted by over 15,000 businesses. The company combines net terms financing with full AR automation, including automated invoicing, collections, and reconciliation. Their LLM-powered AR technology reduces manual overhead by up to 90%, and their transparent pricing features competitive non-recourse rates with no monthly fees. According to G2 reviews, Resolve earns consistently high marks for support responsiveness and ease of implementation.

Apruve (Now Part of TreviPay)

Apruve is a B2B trade credit automation platform that was acquired by TreviPay in December 2022. The combined entity serves global enterprises seeking to automate their procure-to-pay processes at scale. Apruve focuses on high-volume, routine B2B invoicing and combines embedded trade credit with AR automation and guaranteed next-day financing.

The platform can pre-qualify buyers and onboard them in as little as 3 minutes, with credit lines that can exceed $1 million. With TreviPay's infrastructure behind it, Apruve now operates across 32+ countries and offers omni-channel checkout options with localized B2B invoicing. The platform is particularly strong in manufacturing, wholesale, and distribution verticals where complex procurement workflows are the norm.

Paystand

Paystand is a cloud-based AR and AP automation platform that differentiates itself through a zero-transaction-fee model. Instead of charging per transaction, Paystand uses a subscription-based pricing approach — businesses pay a flat monthly fee and process unlimited bank payments without additional costs. The platform also uses blockchain technology to create immutable, tamper-proof records of every transaction.

Paystand integrates with major ERP systems including NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, and QuickBooks Online. The platform automates invoicing, collections, and reconciliation while offering self-service branded payment portals. With over 1 million businesses in its payment network, Paystand earned a spot on the Deloitte Technology Fast 500 and the 2026 Capterra Shortlist across AR, AP, and Expense Reporting categories.

ResolvePay vs Behalf vs FundThrough: Feature-by-Feature Comparison

Pricing Comparison

Resolve 

Resolve offers the most transparent pricing of the three platforms:

• Competitive non-recourse rates that scale with term length
• No monthly fees — you only pay when you use the service
• No hidden costs — the fee includes financing, credit checks, and collections

The pricing model means costs scale directly with your invoice volume. You receive payment within 1-2 days instead of waiting 30-60 days, and the competitive rates include non-recourse protection on every advance. The working capital improvement often pays for itself through faster cash conversion. Transparent pricing is a key factor B2B companies should evaluate when comparing financing platforms.

Apruve (TreviPay)

Apruve uses custom enterprise pricing:

• Custom quotes based on transaction volume, credit risk profile, and geographic scope
• Enterprise-oriented pricing that reflects the scale and complexity of global deployments
• TreviPay backing may offer volume-based pricing structures for large-scale operations

For enterprises processing millions in B2B transactions across multiple countries, the custom approach enables pricing tailored to specific business needs and risk profiles. This model is typical of enterprise B2B payment platforms.

Paystand

Paystand uses a subscription model:

• Flat monthly subscription — no per-transaction fees on bank payments
• Multiple tiers based on transaction volume and feature access
• Zero fees on ACH/bank payments — credit card transactions may still carry fees
• Specific pricing requires a demo and quote

The subscription model becomes more cost-effective as transaction volume increases. A company processing a high volume of bank payments will see significantly lower per-transaction costs compared to percentage-based models.

Total Cost of Ownership Summary

Platform Strengths

Resolve

• Non-recourse financing eliminates all credit risk for the supplier — what you receive is yours to keep
• Up to 100% invoice advance in 1-2 business days — industry-leading speed for mid-market suppliers
• AI-powered credit approvals happen in seconds, accelerating buyer onboarding and sales cycles
• Transparent pricing with competitive non-recourse rates, no hidden fees or monthly minimums
• LLM-powered AR automation reduces manual work by up to 90%, freeing finance teams for strategic tasks
• Purpose-built for B2B net terms — not a generic payment tool, but a specialized platform for trade credit
• Trusted by 15,000+ businesses with Affirm/PayPal engineering pedigree
• White-label buyer portal maintains your brand identity throughout the payment experience
• Deep ERP integrations with bi-directional sync for QuickBooks, NetSuite, and e-commerce platforms
• Dedicated human AR team provides collections support alongside AI automation

Apruve (TreviPay)

• Enterprise-grade infrastructure with 32+ country coverage through TreviPay's global network
• Credit lines exceeding $1M for qualified enterprises — the highest in this comparison
• 3-minute buyer onboarding is impressively fast for enterprise-scale credit decisioning
• Strong presence in manufacturing, wholesale, and distribution verticals with deep procurement workflow understanding
• Omni-channel checkout with localized invoicing for global operations across diverse markets
• Guaranteed payments give sellers certainty on approved invoices
• BNP Paribas-level partnerships validate enterprise credibility and scale
• TreviPay powers B2B payments for some of the world's largest brands.
• Flexible procurement-to-pay workflows that integrate with complex enterprise purchasing systems

Paystand

• Zero transaction fees on bank payments — a genuinely unique model in B2B payments, per G2 reviews
• Covers both AR and AP automation, reducing the need for multiple tools in the finance stack
• Blockchain-backed audit trail adds a layer of transparency and compliance for regulated industries
• Strong ERP integrations with NetSuite, Sage Intacct, Dynamics 365, and QuickBooks
• 1M+ business payment network creates a wide acceptance base for bank-to-bank payments
• Recognized by Deloitte Fast 500 and 2026 Capterra Shortlist
• Branded self-service payment portals create a professional buyer payment experience
• Subscription model provides predictable costs that become increasingly cost-effective at higher volumes
• Smart fee routing optimizes payment method selection to minimize costs

Who Should Choose Resolve

Choose Resolve if your business matches these criteria:

• You are a B2B supplier that needs to offer net terms (30, 60, or 90 days) to close larger deals and compete with bigger players, but you cannot afford to wait weeks or months for payment. Per Investopedia's trade credit analysis, offering net terms is one of the most effective ways to increase B2B order values and customer retention.
• Cash flow timing is your biggest challenge — you need invoice advances of up to 100% within 1-2 days, not 30-90 days, so you can reinvest in inventory, hiring, and growth
• You want zero credit risk — Resolve's non-recourse model means if a buyer defaults, that is Resolve's problem, not yours, providing certainty on every advance
• You value straightforward non-recourse pricing — Resolve offers competitive, risk-based rates and scopes plans based on your business needs
• You are a mid-market supplier processing B2B invoices primarily in the U.S. and you want a platform that was purpose-built for companies your size, with no enterprise-only gatekeeping
• You want to reduce AR overhead — the AI-powered automation handles credit checks, invoicing, collections, and reconciliation so your finance team can focus on higher-value work
• You want to increase average order values — businesses offering net terms see 30-60% higher order values, and Resolve makes this possible without cash flow or credit risk

Resolve is particularly effective for manufacturers, wholesalers, and distributors who want to match the net terms offered by larger competitors. The platform levels the playing field by letting you offer generous terms while getting paid immediately.

Who Should Choose Apruve (TreviPay)

Choose Apruve if your business matches these criteria:

• You are a large enterprise processing significant B2B transaction volumes across multiple countries — Apruve's 32+ country reach through TreviPay is unmatched in this comparison
• You need credit lines exceeding $1M per buyer — Apruve can underwrite at a scale that mid-market platforms are not designed for, supporting the largest B2B transaction volumes
• You operate in manufacturing, wholesale, or distribution with complex procurement workflows that require tight ERP integration and customizable payment terms across geographies
• You need a proven global B2B payment network — TreviPay's infrastructure supports some of the world's largest brands and their omni-channel checkout handles localized invoicing across 32+ markets
• You have the resources for a longer implementation cycle — enterprise solutions take longer to deploy but deliver proportional value at scale with deeper customization
• Your buyers operate through marketplace or procurement platforms — Apruve's roots in B2B marketplace payments make it especially strong for platform-based selling environments
• You need a partner with institutional credibility — the TreviPay acquisition and enterprise client portfolio provide validation for global procurement teams

Apruve is the right choice for companies that have outgrown mid-market solutions and need a global partner that can handle the complexity and scale of enterprise B2B commerce.

Who Should Choose Paystand

Choose Paystand if your business matches these criteria:

• Transaction fees are a significant cost center — if you process high volumes of bank payments, Paystand's zero-fee subscription model can generate meaningful savings compared to percentage-based alternatives, per TrustRadius user reviews
• You need both AR and AP automation in a single platform — Paystand is the only option in this comparison that covers both sides of the payment equation, reducing tool sprawl
• Compliance and audit transparency matter to your business — the blockchain-backed immutable payment records provide a tamper-proof audit trail that satisfies stringent compliance requirements in regulated industries
• You are already on NetSuite, Sage Intacct, or Dynamics 365 — Paystand's native ERP integrations mean faster implementation and cleaner data sync with your existing finance infrastructure
• Your cash flow timing is already healthy — your buyers pay on time and your focus is on reducing processing costs, automating reconciliation, and improving the buyer payment experience
• You want a modern payment network — Paystand's 1M+ business network and branded payment portals create a professional buyer experience with self-service payment capabilities
• You process a high volume of recurring payments — the subscription model becomes increasingly cost-effective at scale, making it ideal for businesses with predictable, high-volume payment flows

Paystand is ideal for B2B companies that have solved their cash flow timing problem but are still dealing with high processing costs, manual reconciliation, and fragmented AR/AP workflows.

Final Verdict

For most mid-market B2B suppliers, Resolve delivers the most complete solution by combining net terms financing, non-recourse credit protection, and AI-powered AR automation in one platform. The ability to offer competitive payment terms while getting paid in 1-2 days — with zero credit risk — addresses the single biggest challenge B2B suppliers face: cash flow timing. For many B2B suppliers, combining financing with AR automation can improve cash flow visibility, reduce manual work, and strengthen order-to-cash performance.

Apruve is the superior choice for enterprises with global operations and $1M+ credit needs — its 32+ country coverage and TreviPay backing make it the go-to for large-scale international trade credit.

Paystand is the right platform if your primary goal is eliminating transaction fees while automating both AR and AP workflows — its subscription model and blockchain audit trail serve a distinct and valuable use case.

The right platform depends on your specific situation:

• Need to offer net terms and get paid fast? Resolve.
• Need global enterprise-scale trade credit? Apruve.
• Need zero-fee payment processing? Paystand.

See how Resolve works →

Frequently Asked Questions 

What is the main difference between ResolvePay, Apruve, and Paystand?

Resolve is a net terms financing platform that pays suppliers upfront and assumes credit risk. Apruve (now TreviPay) is an enterprise-grade trade credit automation platform with global reach across 32+ countries. Paystand is a zero-fee payment processing platform that automates AR and AP workflows. The core distinction is that Resolve and Apruve offer financing, while Paystand focuses on payment processing and automation. Understanding whether you need financing versus payment processing is the most important first step in choosing a B2B payment platform.

Does Resolve really cover 100% of the invoice if a buyer defaults?

Yes. Resolve operates on a fully non-recourse model. When Resolve approves a buyer for net terms, it advances up to 100% of the invoice value to the supplier and assumes all credit risk. If the buyer fails to pay, Resolve absorbs the loss. This is fundamentally different from traditional factoring, where recourse clauses can push losses back to the supplier. According to Investopedia, non-recourse structures provide the highest level of credit risk protection for sellers.

Is Apruve still a standalone product after being acquired by TreviPay?

Apruve was acquired by TreviPay in December 2022 and continues to operate as a specialized B2B marketplace payment solution within the TreviPay ecosystem. The combined entity leverages TreviPay's global infrastructure and Apruve's trade credit automation technology. New customers typically engage through TreviPay's sales process, which provides access to the broader platform capabilities.

How does Paystand's zero-fee model actually work?

Paystand charges a flat monthly subscription instead of per-transaction fees. Bank-to-bank payments (ACH, eCheck) process at zero additional cost to the business. This model becomes increasingly cost-effective as transaction volume grows — the more bank payments you process, the lower your effective per-transaction cost. Credit card payments may still carry fees, so the zero-fee benefit applies specifically to bank payment methods. According to TrustRadius, users frequently cite the predictable subscription cost as a primary reason for choosing Paystand.

Which platform is best for a mid-market wholesaler doing $2M-$10M in annual B2B sales?

For a mid-market wholesaler in that range, Resolve is typically the best fit. The platform was purpose-built for mid-market suppliers, offers transparent, competitive non-recourse pricing, requires no monthly minimums, and can be set up without an enterprise-length implementation. The non-recourse financing means you can confidently extend net terms to new buyers without worrying about credit risk — which directly helps grow order values and customer acquisition; mid-market suppliers see the highest ROI from platforms that combine financing with AR automation.

Can I use Paystand and Resolve together?

In theory, yes. Paystand handles payment processing and AP automation, while Resolve handles net terms financing and credit risk. Some businesses use a payment processing platform alongside a financing platform to cover different parts of their financial operations. The decision depends on whether the combined capability justifies the complexity versus using a single integrated solution for your primary use case.

How long does implementation take for each platform?

Resolve can be set up quickly — credit approvals begin within days and the AI-powered onboarding is largely self-service, making it the fastest option for mid-market companies. Apruve, as an enterprise solution under TreviPay, typically involves a longer implementation cycle that can stretch to weeks or months depending on complexity and geographic scope — typical for enterprise procurement platforms. Paystand implementation depends on your ERP integration needs but generally takes a few weeks with their native connectors for NetSuite and similar systems.

How do these platforms handle ERP integration?

Resolve offers bi-directional ERP sync with QuickBooks, NetSuite, and e-commerce platforms, ensuring that invoices, payments, and credit data flow automatically between systems. Apruve integrates with enterprise ERP and accounting systems as part of its procurement workflow automation. Paystand has native integrations with NetSuite, Sage Intacct, Microsoft Dynamics 365, and QuickBooks Online — the broadest ERP coverage in this comparison. ERP integration depth is one of the top factors influencing platform selection and long-term ROI.

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.