ResolvePay vs AvidXchange

When B2B businesses need to streamline payments and accelerate cash flow, choosing between financial technology platforms becomes critical. Two prominent options—ResolvePay and AvidXchange—represent fundamentally different approaches to B2B commerce. ResolvePay delivers a comprehensive solution for sellers through AI-powered accounts receivable automation combined with non-recourse financing, while AvidXchange focuses on accounts payable automation for buyers. This comparison reveals how ResolvePay's seller-centric platform addresses the unique needs of manufacturers, wholesalers, and distributors who need to offer net terms without credit risk while getting paid faster.

Key Takeaways

• ResolvePay delivers 100% non-recourse financing with 24-hour cash advances for B2B sellers offering net terms
• ResolvePay's transparent 3.15% USD fee structure provides clear, predictable pricing
• ResolvePay achieves 90% manual work reduction in accounts receivable through AI-powered automation, accelerating cash flow to 1-day DSO
• ResolvePay provides instant credit decisions in hours using proprietary AI models
• ResolvePay offers native ecommerce integrations with BigCommerce, Shopify, and WooCommerce, enabling checkout-embedded net terms
• ResolvePay maintains perfect 5.0/5.0 customer satisfaction with universal praise for support quality

Understanding each company's core positioning

AvidXchange positions itself as an accounts payable automation platform, serving mid-market buyers with 25 years of experience in streamlining outgoing payments. The publicly traded company (NASDAQ: AVDX) has built its reputation on processing 70M+ transactions annually with 8,500+ business customers and a 1.35M+ supplier network. AvidXchange's core focus centers on the buyer side of transactions, helping AP departments automate invoice processing and payment workflows.

ResolvePay takes a different approach, specializing in accounts receivable automation and non-recourse financing for sellers. Founded in 2019 by former Affirm executives, ResolvePay helps businesses get paid faster on incoming invoices while eliminating credit risk. The platform has served over 15,000 businesses and recently won the 2025 BigCommerce Innovative Integration Award for its ecommerce capabilities. ResolvePay's mission centers on helping merchants "grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes."

The fundamental difference lies in perspective: ResolvePay accelerates cash inflow for sellers with complete risk protection, addressing the seller-side challenges in B2B trade credit and payment terms.

Service offerings show distinct strategic focuses

AvidXchange's service portfolio spans accounts payable functions:

• Invoice processing and approval workflows
• Payment processing via ACH, virtual cards, wire, and check
• 2-way and 3-way purchase order matching
• Supplier network management
• ERP integrations with 220+ accounting systems
• Industry-specific modules for real estate and construction

ResolvePay's services focus on seller-side capabilities:

• 100% non-recourse invoice financing with 24-hour advances
• AI-powered accounts receivable automation reducing manual work by 90%
• Instant credit decisions using proprietary AI models
• Native ecommerce integrations with BigCommerce, Shopify, and WooCommerce
• White-label payment portals accepting ACH, credit card, wire, and check
• Automated collections and payment reminders

The seller-centric specialization allows ResolvePay to deliver focused value for revenue-generating businesses. For example, ResolvePay enables sellers to get paid in 24 hours instead of waiting 30-90 days while eliminating bad debt risk entirely—addressing critical challenges in working capital management that impacts business growth.

Pricing models reflect different value propositions

The pricing structures reveal each company's target market and service philosophy.

AvidXchange's pricing structure:

• Custom-quote subscription and transaction-based model with pricing tailored to business invoice volume and operational needs
• Pricing requires direct consultation with sales team
• Implementation costs vary by organization size and complexity

ResolvePay's pricing structure:

• Transparent transaction-based fees: 3.15% USD for 30-day net terms
• Up to 100% advance rates on approved invoices
• No setup fees, monthly minimums, or hidden costs
• Published pricing clearly stated on website
• Pay-as-you-grow model scaling with business volume

This transparent pricing structure makes ResolvePay particularly attractive for businesses that need predictable costs. ResolvePay's transaction-based model eliminates the fixed overhead of per-user subscriptions, making it cost-effective for businesses with variable transaction volumes.

Target customers reveal strategic alignment

AvidXchange primarily serves mid-market organizations with established AP departments needing accounts payable automation. Their ideal clients are companies with annual revenues between $5M-$1B that process high volumes of outgoing invoices. AvidXchange's industry-specific focus on real estate, construction, and property management serves these buyer-focused needs.

ResolvePay targets B2B sellers including manufacturers, wholesalers, and distributors with $1M+ annual B2B revenue. These businesses need to offer net terms to customers while protecting their cash flow and eliminating credit risk. ResolvePay's platform serves companies across all industries that sell to other businesses and want to accelerate receivables without bad debt exposure. The recent 2025 BigCommerce Innovative Integration Award highlights ResolvePay's strength in ecommerce B2B environments where offering trade credit can significantly increase sales.

This distinction matters significantly. B2B sellers offering net payment terms face unique challenges around AR financing and risk protection that ResolvePay's model specifically addresses.

Results and case studies demonstrate platform impact

Both companies showcase impressive results that reflect their different strategic focuses.

AvidXchange's case studies highlight AP efficiency improvements:

• Customers report significant time savings in invoice processing
• Substantial reduction in per-invoice processing costs
• Considerable weekly time savings on manual AP tasks
• Implementation typically requires 45+ days
• Focus: Outgoing payment efficiency and cost reduction

ResolvePay's results emphasize seller-side transformation:

• 30-60% faster payment cycles for merchants
• 50% reduction in time managing receivables
• 9x faster credit checks compared to traditional methods
• 20% year-over-year sales growth reported by customers
• 40% increase in average order value
• Timeline: Days to weeks implementation with 24-hour cash advances

ResolvePay's impact addresses critical seller challenges. The platform helps sellers accelerate revenue collection while eliminating credit risk entirely—directly addressing the cash flow constraints that limit business growth.

Methodology and approach define the engagement experience

AvidXchange's methodology centers on comprehensive AP automation deployment. Engagements begin with workflow mapping and ERP integration planning, followed by platform implementation across the AP function with multi-level approval routing and supplier onboarding to their AvidPay Network. This approach serves organizations needing complete AP transformation.

ResolvePay's approach emphasizes rapid seller enablement and risk elimination. The platform uses proprietary AI models to evaluate thousands of buyer data points for instant credit decisions. Sellers can start offering net terms immediately with 100% non-recourse protection. The white-label payment portal maintains brand identity while accepting multiple payment methods. AI agents handle collections with human oversight, reducing manual AR work by 90%. This methodology delivers immediate cash flow acceleration with complete risk protection.

ResolvePay transforms seller cash flow and risk profile in days, providing immediate working capital and credit protection for businesses needing rapid deployment.

Team structure and expertise concentration

AvidXchange's team structure:

• 25+ years of AP automation experience
• Large organization supporting 8,500+ customers
• Dedicated implementation and support teams
• Industry-specific expertise in real estate and construction
• Enterprise-grade infrastructure for high-volume processing
• Public company with quarterly financial reporting

ResolvePay's structure:

• Experts formerly of Amazon, PayPal, and Fortune 500 firms
• Deep credit underwriting expertise beyond traditional bureaus
• AI-powered automation reducing manual intervention
• Perfect 5.0/5.0 customer satisfaction across all categories
• 100% of reviewers recommend the platform
• Universal praise for customer support quality

The expertise concentration at ResolvePay focuses specifically on credit decisioning and seller financing, delivering specialized knowledge in areas critical for businesses offering net terms.

Integration capabilities show different strategic priorities

AvidXchange's integration ecosystem reflects their AP focus:

• 220+ ERP and accounting integrations including SAP, Microsoft Dynamics, and Sage
• Deep integration with industry-specific systems like Yardi and MRI
• Comprehensive API ecosystem for enterprise connectivity
• Strong focus on accounting system synchronization
• Backend financial system connectivity

ResolvePay's integration strategy prioritizes seller revenue channels:

• Native BigCommerce integration with embedded checkout extensions
• Shopify and WooCommerce compatibility for ecommerce sellers
• QuickBooks Online auto-bookkeeping with real-time transaction sync
• NetSuite and Xero integrations for accounting connectivity
• White-label payment portals maintaining brand identity
• Focus on customer-facing revenue channel integration

ResolvePay's front-end integration approach enables sellers to offer net terms at the point of sale, directly within the customer purchase experience, driving immediate revenue impact.

Why ResolvePay delivers focused value for B2B sellers

B2B sellers face unique challenges that ResolvePay's platform specifically addresses. These businesses need to offer net terms without credit risk while accelerating cash flow.

Key advantages of ResolvePay's approach:

• Complete risk elimination: 100% non-recourse financing means sellers never bear credit risk. This protection enables growth without bad debt exposure.
• Immediate cash flow acceleration: 24-hour advances up to 100% of invoice value reduce DSO to 1 day versus industry averages of 30-60 days. This velocity directly impacts working capital and growth capacity.
• Transparent, predictable pricing: 3.15% USD published fees eliminate pricing surprises and enable accurate ROI calculation.
• Ecommerce-native design: Native BigCommerce, Shopify, and WooCommerce integrations enable checkout-embedded net terms that drive sales conversion.
• Perfect customer satisfaction: 5.0/5.0 Capterra rating with universal praise for support quality ensures reliable partnership.

For B2B sellers seeking to offer net terms without risk while accelerating cash flow, ResolvePay represents a purpose-built platform for seller financing and AR automation. The combination of non-recourse financing, AI-powered automation, transparent pricing, and ecommerce-native design creates a comprehensive solution for businesses managing receivables and credit risk.

Frequently Asked Questions

What specific types of B2B businesses benefit most from ResolvePay versus AvidXchange's AP automation model?

ResolvePay excels with B2B sellers including manufacturers, wholesalers, and distributors with $1M+ annual B2B revenue who need to offer net terms to customers while protecting their cash flow. These businesses typically sell to other companies and face credit risk exposure when extending payment terms. They benefit from ResolvePay's 100% non-recourse financing, 24-hour cash advances, and AI-powered AR automation. Ideal ResolvePay customers include ecommerce B2B businesses using BigCommerce, Shopify, or WooCommerce, companies experiencing cash flow constraints due to slow customer payments, and organizations seeking to offer net terms without taking on bad debt risk. AvidXchange serves mid-market organizations with established AP departments needing to streamline outgoing payment processes.

How do the financing capabilities and risk protection models differ between ResolvePay and AvidXchange for businesses offering net terms?

ResolvePay provides comprehensive financing and risk protection specifically designed for sellers offering net terms. ResolvePay's 100% non-recourse financing means merchants receive up to 100% of invoice value within 24 hours and are never liable if customers fail to pay. This complete risk elimination enables businesses to offer net 30, 60, or 90-day terms without credit exposure. ResolvePay handles credit assessment, underwriting, and collections management, with proprietary AI models evaluating thousands of buyer data points for instant credit decisions. AvidXchange focuses exclusively on accounts payable automation for buyers. Businesses needing to offer net terms with complete risk protection can leverage ResolvePay's comprehensive seller-focused model.

What are the implementation timelines and technical integration requirements for each platform?

ResolvePay offers rapid implementation with days to weeks deployment timelines. ResolvePay's native ecommerce integrations with BigCommerce, Shopify, and WooCommerce enable quick checkout-embedded net terms deployment, while QuickBooks Online auto-bookkeeping provides immediate accounting synchronization. The platform requires minimal technical resources and offers white-glove customer support with perfect 5.0/5.0 satisfaction ratings. AvidXchange implementations typically require 45-90 days with extensive workflow mapping, ERP integration planning, and supplier onboarding to their AvidPay Network. The process involves significant internal coordination and technical resources, particularly for complex multi-entity organizations. For businesses needing immediate cash flow acceleration and net terms capabilities, ResolvePay's rapid deployment model provides fast time-to-value.

How do ResolvePay and AvidXchange handle customer support and ongoing service relationships?

ResolvePay maintains exceptional customer support with universal praise across all 14 Capterra reviews, achieving perfect 5.0/5.0 ratings for customer service quality. Reviewers consistently highlight "amazing" support teams with "quick responses" and "extremely helpful" assistance. This consistent service quality stems from ResolvePay's seller-focused mission and dedicated support approach. AvidXchange shows varied customer service experiences with 4.3/5.0 Capterra ratings. Some reviewers report positive interactions, while others cite experiences with varying response times. For businesses requiring reliable, responsive partnership for critical cash flow and credit operations, ResolvePay's consistent service excellence provides strong support.

What measurable ROI differences exist between ResolvePay's seller-focused platform and AvidXchange's buyer-focused approach for B2B revenue-generating businesses?

B2B sellers achieve distinct ROI outcomes with ResolvePay's seller-focused model. ResolvePay customers report 30-60% faster payment cycles, 50% reduction in AR management time, and 20% year-over-year sales growth through net terms enablement. The 100% non-recourse financing eliminates typical B2B bad debt write-offs, while 24-hour cash advances provide immediate working capital acceleration. AvidXchange delivers AP-focused ROI through reduced invoice processing costs and time savings on manual AP tasks. For revenue-generating businesses, ResolvePay's seller-focused ROI directly impacts growth capacity and risk protection, addressing seller-side challenges like cash flow constraints, credit risk exposure, and sales growth through net terms offering.

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.