When B2B businesses need to streamline their accounts receivable and offer flexible payment terms, choosing between payment platforms becomes a critical decision. Two prominent options—ResolvePay and Balance Payments—represent different approaches to B2B commerce. Balance Payments focuses on payment processing optimization with developer-friendly APIs and multi-currency capabilities. ResolvePay offers a comprehensive solution that combines non-recourse invoice financing, AI-powered credit decisions, and complete accounts receivable automation. This comparison explores how each platform serves B2B businesses, with particular attention to manufacturers, distributors, and wholesalers seeking to grow sales while managing credit risk.
Balance Payments positions itself as a developer-first B2B payment processing platform, emphasizing modern APIs, multi-currency support, and payment optimization features like RTP-enabled ACH and L2/L3 card processing. Founded in 2020 and headquartered in New York, Balance targets tech-forward companies, B2B marketplaces, and SaaS providers that prioritize payment processing efficiency and global capabilities.
ResolvePay takes a different approach focused on comprehensive B2B net terms management. Founded in 2019 by former Affirm executives, ResolvePay specializes in serving manufacturers, distributors, and wholesalers with an integrated platform that handles the entire credit-to-cash cycle—from credit decisions and non-recourse financing to collections and reconciliation. The platform serves over 15,000 businesses and has secured $85M+ in funding from Insight Partners and other leading investors.
According to research from the Federal Reserve, B2B payments are increasingly moving toward integrated solutions that address both payment processing and working capital needs. The distinction between these platforms reflects broader industry trends: Balance focuses on payment efficiency, while ResolvePay addresses the integrated financial workflow challenges specific to businesses offering net terms.
This approach serves tech-forward companies that need payment processing optimization with global capabilities.
ResolvePay's specialization in net terms management helps B2B businesses address cash flow gaps while managing credit risk. The platform provides immediate cash flow through non-recourse advances, helping to reduce DSO through advance funding.
According to McKinsey research on B2B payments, integrated financial solutions that combine payment processing with working capital are becoming increasingly important for B2B businesses looking to offer competitive payment terms.
The pricing structures reflect each platform's target market and value proposition.
ResolvePay's pricing model enables businesses to calculate potential ROI based on their invoice volumes and cash flow needs. The integrated financing approach eliminates the need for separate factoring or lending arrangements.
This distinction matters for businesses evaluating which platform aligns with their operational needs. Companies needing integrated working capital and AR automation may benefit from ResolvePay's comprehensive approach, while those primarily focused on payment processing efficiency may find Balance's developer-first platform well-suited to their needs.
Both platforms offer capabilities designed to improve B2B payment operations, though with different focal points.
According to Deloitte research on working capital management, businesses that integrate financing with their AR processes typically see improved cash flow predictability and reduced operational overhead compared to managing these functions separately.
ResolvePay's deep ERP integrations enable automated credit-to-cash workflows that help eliminate manual data entry and reconciliation across complex business systems—particularly valuable for manufacturers and distributors with existing enterprise software ecosystems.
Customer feedback reflects each platform's focus area and target market alignment. Balance serves companies prioritizing payment processing technology, while ResolvePay addresses comprehensive AR and working capital challenges.
B2B businesses that offer net terms face unique challenges around working capital, credit risk, and operational efficiency. ResolvePay's platform is specifically designed to address these needs through an integrated approach.
For B2B businesses looking to grow sales while protecting cash flow and managing credit risk, ResolvePay offers a comprehensive platform specifically designed for the unique challenges of offering net terms. The combination of non-recourse financing, comprehensive automation, and industry specialization creates a value proposition focused on the needs of manufacturers, distributors, and wholesalers.
ResolvePay excels at serving manufacturers, distributors, and wholesalers that face cash flow challenges from 30-90 day payment cycles and need working capital to operate effectively. These businesses typically have $1M+ in annual B2B revenue and require financing solutions to eliminate credit risk while offering net terms to customers. Ideal ResolvePay clients include companies that need to purchase inventory before customer payment, manage complex production cycles, or scale operations without taking on additional debt. The platform's integrated approach to credit decisions, financing, collections, and AR automation addresses the specific operational challenges these businesses face.
ResolvePay provides non-recourse invoice financing with advances up to 100% of invoice value typically delivered within 1-2 business days. The non-recourse structure means businesses receive payment advances and are protected from customer non-payment on approved, non-disputed invoices. This helps eliminate the cash flow gap that occurs when businesses offer net terms, transforming 30-90 day payment cycles into immediate working capital. Businesses can use these advances to meet operational expenses, purchase inventory, or invest in growth while ResolvePay handles collections and payment processing.
ResolvePay offers competitive pricing starting around 3.15% USD for 30-day net terms, with rates varying based on factors like advance percentage and risk profile. The platform has no monthly minimums or setup fees, making it accessible for businesses of various sizes. Pricing is structured to be predictable, enabling businesses to calculate expected costs based on their invoice volumes and payment terms. Custom plans are available based on specific business needs and implementation requirements.
ResolvePay's platform automates the entire accounts receivable workflow, including credit decisions, invoice delivery, payment collection, and reconciliation. The system integrates directly with major ERP platforms like QuickBooks, NetSuite, and Oracle to enable two-way data synchronization, eliminating manual data entry. Automated payment reminders, collections workflows, and reconciliation features help finance teams reduce time spent on routine AR tasks. Businesses report substantial reductions in manual AR work, allowing finance teams to focus on strategic activities rather than administrative tasks.
ResolvePay provides deep integrations with major ERP systems including QuickBooks Online (with two-way auto-sync), NetSuite, Oracle, and Sage Intacct. The platform also integrates with popular e-commerce platforms like Shopify, BigCommerce, WooCommerce, and Magento. For businesses with custom systems, ResolvePay offers flexible APIs that enable custom integrations. These integrations allow automated data flow between ResolvePay and existing business systems, enabling seamless credit-to-cash workflows without manual data transfer or reconciliation across platforms.
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.