ResolvePay vs Behalf

When B2B businesses need reliable net terms financing, the choice between payment platforms can significantly impact cash flow stability. According to the Federal Reserve's research on B2B payment trends, net terms remain a critical component of business commerce, yet traditional approaches create substantial operational challenges. Two names that have shaped this landscape—ResolvePay and Behalf—represent different approaches to B2B commerce. While Behalf was an early pioneer in B2B BNPL before ceasing operations in January 2023, ResolvePay has emerged as a comprehensive alternative built to address modern B2B payment challenges. This comparison explores how ResolvePay's focus on non-recourse financing, transparent pricing, and comprehensive accounts receivable automation provides reliable, risk-free net terms solutions for today's B2B businesses.

Key Takeaways

Behalf ceased operations in January 2023, while ResolvePay continues to grow with 12,000+ businesses served and $85M+ in funding
ResolvePay offers 100% non-recourse financing that eliminates all merchant credit risk, protecting cash flow regardless of buyer payment behavior
ResolvePay's transparent 3.15% USD fee for Net 30 terms provides clear, predictable costs with no hidden charges
AI-powered credit decisions in 30 seconds to 48 hours enable faster sales cycles and reduced manual processing
ResolvePay provides full AR automation including invoicing, collections, and reconciliation, reducing manual work by up to 90%
Native e-commerce integrations with Shopify, BigCommerce, and WooCommerce deliver seamless buyer experiences across all sales channels

Understanding each company's journey and market position

Behalf entered the B2B financing space in 2011 as an early pioneer of business-to-business lending. The New York-based company raised approximately $325 million in total funding, positioning itself as a direct lender for small businesses. The company ceased operations in January 2023 after experiencing operational challenges that began in 2022.

ResolvePay, founded in 2018 by former Affirm executives Chris and Brian, took a different approach from the start. Spun off as the B2B version of Affirm, ResolvePay built its platform to address comprehensive payment and credit challenges facing modern B2B commerce. With $85M+ in funding from Insight Partners and other leading investors, ResolvePay has grown to serve over 12,000 businesses while maintaining a 5.0/5 rating on G2 for exceptional customer service. The company's mission focuses 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 approach: ResolvePay functions as a comprehensive credit and AR automation platform with 100% non-recourse financing, eliminating merchant risk entirely and automating the complete credit-to-cash cycle.

Core service offerings reveal different strategic approaches

Behalf's service model (prior to shutdown) focused primarily on direct lending:

Business loans ranging from $300 to $50,000
Net-30 to 180-day payment terms
Direct payment to vendors on behalf of buyers
Credit assessment and loan approval
Standard integration capabilities

This lending-focused approach served businesses seeking straightforward financing arrangements.

ResolvePay's integrated platform delivers a complete B2B commerce solution:

B2B Net Terms with up to 90% advance payment on approved invoices
AI-powered Accounts Receivable automation including credit checks, invoicing, payment reminders, and collections
Business Credit Checks delivering instant decisions using proprietary AI models
B2B Payments Platform with branded payment portals accepting ACH, wire, credit card, and check
Native integrations with leading e-commerce and ERP platforms

ResolvePay's comprehensive approach addresses the full spectrum of B2B payment challenges. The platform provides infrastructure to manage the entire credit-to-cash lifecycle, reducing manual AR work by up to 90% according to customer testimonials. This integrated model combines financing, credit management, payment processing, and accounts receivable automation in a single platform.

Risk management approaches offer different value propositions

Behalf's risk model operated on a recourse basis:

Traditional recourse lending structure
Merchant responsibility for approved credit
Standard collections processes
Conventional risk-sharing arrangements

ResolvePay's non-recourse approach eliminates merchant risk entirely:

100% non-recourse financing so merchants keep advance payments regardless of buyer payment behavior
ResolvePay assumes credit risk on approved invoices
Comprehensive credit assessment by experts formerly of Amazon, PayPal, and Fortune 500 firms
Professional collections management included
Zero bad debt exposure on approved invoices

This risk transfer model enables businesses to offer net terms confidently, knowing they'll receive payment regardless of customer payment behavior. According to the U.S. Small Business Administration's guidance on business credit, managing credit risk is one of the most significant challenges for growing businesses. ResolvePay's non-recourse structure addresses this challenge by assuming the credit risk, allowing merchants to focus on sales growth rather than collections management.

Pricing transparency provides clear cost structures

The pricing structures reflect different approaches to business models.

Behalf's pricing model (historical) featured:

Interest-based pricing on financed amounts
Variable rate structures based on credit assessment
Standard lending fee arrangements

ResolvePay's transparent pricing provides clear, predictable costs:

3.15% USD flat fee for 30-day net terms invoices with up to 90% advance
No hidden fees, monthly minimums, or setup charges
Clear advance rate options based on risk assessment
Credit card fees passed directly to buyers
Simple, straightforward fee structure

This transparent pricing model enables merchants to calculate ROI accurately and budget effectively. The flat fee structure provides cost certainty and demonstrates ResolvePay's commitment to straightforward business practices that support long-term customer relationships.

Technology integration capabilities support modern commerce

Behalf's integration approach included:

API capabilities for platform connectivity
Standard integration options
Basic data synchronization features

ResolvePay's modern integration ecosystem delivers comprehensive connectivity:

Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento
ERP and accounting platform support including QuickBooks, NetSuite, and Oracle
Flexible APIs for custom platform integration
Bi-directional data sync eliminating manual reconciliation
White-label payment portals maintaining brand consistency

The integration advantage is particularly significant for e-commerce businesses. ResolvePay's native checkout extensions enable merchants to embed net terms directly into existing e-commerce flows, creating seamless buyer experiences that can increase conversion rates and average order values. This modern, API-first approach reflects understanding that B2B payments must integrate within existing business workflows rather than operating as standalone solutions.

Customer service and support demonstrate operational priorities

Behalf's service model provided:

Standard support channels for merchants and buyers
Credit decision processes
Basic implementation assistance

ResolvePay's service approach has earned a 5.0/5 G2 rating:

Consistently praised customer support team
Credit decisions delivered in 30 seconds to 48 hours
Dedicated implementation support for integrations
Responsive communication channels
Proactive account management

Customer testimonials highlight the service experience: "Response times under 24 hours on credit approvals. We hear so often how customers are taken aback at how quick we respond, confirming a decent sized line," notes one co-founder. Another CEO reports that ResolvePay "worked with us along the way to understand our needs and managed to fully automate a 2-way integration. Now, the work required from our end has decreased by at least 90%."

This commitment to responsive service reflects ResolvePay's understanding that B2B payment solutions require reliable, accessible support to maintain business continuity and build trust.

Automation and AI capabilities enable operational efficiency

Behalf's operational approach utilized:

Standard credit assessment procedures
Established payment processing functionality
Traditional lending workflows

ResolvePay's AI-powered platform delivers comprehensive automation:

Proprietary AI models evaluating thousands of buyer data points for credit decisions
LLM-powered invoicing workflows ensuring automatic reconciliation
AI agents managing payment reminders and collections workflows
Smart bookkeeping automation mapping and syncing transaction data in real time
Instant approvals for purchases up to $25,000

The AI advantage enables ResolvePay to deliver faster credit decisions, reduce manual errors by up to 50%, and accelerate cash flow by 30-60% compared to manual processes. According to research from the National Bureau of Economic Research on supply chain financing, automation and data-driven credit decisions significantly improve efficiency and accessibility in B2B commerce. This technological sophistication allows ResolvePay to handle complex B2B payment scenarios while maintaining simplicity and speed.

Why ResolvePay represents a comprehensive B2B payment solution

ResolvePay's platform demonstrates a comprehensive understanding of B2B payment needs. Rather than providing financing alone, ResolvePay delivers an integrated solution that addresses the full spectrum of B2B commerce challenges while eliminating merchant risk.

Key advantages of ResolvePay's integrated approach:

Risk elimination: 100% non-recourse financing removes merchant credit risk, enabling businesses to offer net terms confidently without bad debt exposure.
Transparent economics: Clear 3.15% USD pricing provides predictable costs with no hidden fees, enabling accurate ROI calculation and effective budgeting.
Operational efficiency: AI-powered automation reduces manual AR work by up to 90%, delivering significant time and cost savings while reducing errors.
Modern integration: Native e-commerce and ERP connectivity enables seamless implementation within existing workflows, creating better buyer experiences.
Sustainable foundation: Founded by Affirm veterans with $85M+ funding and proven business models, ResolvePay represents a stable, growing platform serving 12,000+ businesses.

For B2B businesses seeking reliable net terms solutions, ResolvePay offers more than financing—it provides complete commerce infrastructure that enhances customer relationships while protecting cash flow. The platform's combination of non-recourse financing, transparent pricing, and comprehensive automation delivers a sustainable, risk-free B2B payment solution built for modern commerce needs.

Frequently Asked Questions

What happened to Behalf, and why should B2B businesses consider ResolvePay as an alternative?

Behalf ceased operations in January 2023 after experiencing operational challenges that began in 2022. For B2B businesses seeking net terms solutions, ResolvePay offers a comprehensive alternative with 100% non-recourse financing that eliminates merchant credit risk, transparent 3.15% USD pricing, and full AR automation. Founded by Affirm veterans with $85M+ funding and serving 12,000+ businesses, ResolvePay provides a stable, growing platform with a proven track record of reliability and exceptional customer service (5.0/5 rating on G2).

How does ResolvePay's non-recourse financing model protect merchants compared to traditional recourse lending?

ResolvePay's 100% non-recourse financing completely eliminates merchant credit risk on approved invoices. This means merchants receive advance payment (up to 90% of invoice value) within 1-2 business days and keep this payment regardless of whether the buyer ultimately pays. ResolvePay assumes the credit risk and handles all credit assessment, underwriting, and collections processes. This contrasts with recourse lending models where merchants remain liable for customer defaults, creating significant financial exposure. The non-recourse model enables merchants to offer net terms confidently, knowing their cash flow is protected.

What specific industries or business types benefit most from ResolvePay's comprehensive approach?

ResolvePay's comprehensive platform particularly benefits B2B e-commerce businesses, manufacturers, distributors, and wholesale suppliers with $1M+ annual B2B revenue. These businesses typically require more than simple financing—they need integrated solutions that handle credit assessment, invoicing, collections, and reconciliation while maintaining brand consistency. Companies selling through multiple channels (online, offline, field reps) benefit from ResolvePay's ability to deliver consistent, high-conversion experiences across all touchpoints. The platform's native integrations with Shopify, BigCommerce, WooCommerce, and major ERP systems make it ideal for businesses seeking to streamline complex B2B payment workflows while eliminating credit risk.

How does ResolvePay's 3.15% USD fee structure compare to traditional factoring and other B2B financing alternatives?

ResolvePay's 3.15% USD flat fee for 30-day net terms with up to 90% advance provides clear, predictable pricing. Traditional factoring can charge between 1-5% of invoice value per month, but ResolvePay's non-recourse model and zero hidden costs provides greater cost certainty and risk protection. The transparent fee structure includes no monthly minimums or setup charges, enabling accurate ROI calculation. Additionally, ResolvePay's comprehensive AR automation provides operational savings that further enhance the value proposition beyond simple financing costs—many customers report reducing manual AR work by up to 90%.

What implementation timeline and technical requirements should businesses expect when switching from manual AR processes to ResolvePay?

Implementation timelines vary based on integration complexity but are generally rapid. E-commerce businesses using Shopify, BigCommerce, WooCommerce, or Magento can typically implement ResolvePay's net terms functionality in hours to days through native integrations. ERP integrations with QuickBooks, NetSuite, or Oracle typically require 1-2 weeks for full bi-directional sync implementation. ResolvePay provides dedicated implementation support throughout the process, and the platform's flexible APIs enable custom integration for businesses using other systems. Technical requirements are minimal—most integrations require only standard API access to existing platforms, with ResolvePay handling all technical complexity. The platform's white-label capabilities ensure brand consistency without requiring significant technical resources from the merchant.

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.