ResolvePay vs Bill.com

When B2B businesses need to accelerate cash flow while offering flexible payment terms to customers, choosing between payment platforms becomes a strategic decision. According to the U.S. Small Business Administration, cash flow management is one of the most critical factors in business success. Two prominent options—ResolvePay and Bill.com—represent fundamentally different approaches to B2B commerce. Bill.com operates as an AP/AR automation platform with subscription-based pricing, while ResolvePay offers a specialized B2B net terms and financing solution with immediate cash advances and risk coverage. This comparison reveals how ResolvePay's embedded credit and payment platform serves B2B sellers who need to grow sales, accelerate cash flow, and manage credit risk simultaneously.

Key Takeaways

ResolvePay offers 100% non-recourse financing with upfront cash advances up to 100% of invoice value, providing immediate working capital for B2B sellers
Businesses using ResolvePay experience 20-40% YoY sales growth by offering net terms to customers while maintaining healthy cash flow
ResolvePay's transparent pricing at 3.5% for Net 30 terms eliminates subscription fees, while Bill.com charges $45-$79 USD per user monthly plus transaction fees
ResolvePay delivers AI-powered credit approvals typically within 24 business hours, enabling fast customer onboarding decisions
ResolvePay's AI agentic AR automation reduces manual work by 14+ hours weekly and cuts DSO to 1 day with embedded financing solutions

Understanding each platform's core positioning

Bill.com's approach to B2B payments

Bill.com positions itself as a comprehensive accounts payable and receivable automation platform, serving millions of users since its founding in 2006. The platform focuses on streamlining payment workflows with features like auto-pay, payment reminders, and accounting integrations. Bill.com provides standard invoicing and payment processing for businesses seeking to digitize their AP/AR operations.

ResolvePay's embedded financing model

ResolvePay takes a different approach, specializing in B2B net terms and embedded credit solutions for businesses with $1M+ annual B2B revenue. Founded in 2019 as a spin-off from Affirm, ResolvePay acts as a "credit team on tap," providing instant credit decisions, upfront cash advances, and risk coverage. The platform has served over 15,000 businesses, delivering credit insights through experts formerly from Amazon, PayPal, and Fortune 500 firms.

The fundamental difference lies in philosophy: Bill.com automates existing payment processes, while ResolvePay transforms AR into immediate cash flow through embedded financing.

Core features reveal different value propositions

Bill.com's feature set

Bill.com focuses on payment automation:

Accounts payable and receivable automation
Payment reminders and auto-charge capabilities
Multiple payment methods (ACH, credit card, check, international)
QuickBooks integration with automatic 2-way sync
Procurement tools on Corporate+ plans (purchase orders, approvals)
Multi-entity accounting on Enterprise plans

This comprehensive approach works for businesses needing AP/AR automation for traditional payment processing.

ResolvePay's B2B growth capabilities

ResolvePay's features focus on accelerating B2B sales and cash flow:

B2B Net Terms with 30/60/90-day options and instant approvals
100% non-recourse financing with upfront cash advances (up to 100% of invoice value)
AI-powered credit decisions typically within 24 business hours
Accounts Receivable automation with AI agents managing collections
White-label payment portal supporting ACH, wire, credit card, and check
E-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento

The specialization allows ResolvePay to address critical B2B needs: cash flow acceleration, credit risk management, and sales growth through net terms. According to some research on B2B payment practices, offering net terms remains a key competitive factor in B2B commerce, and ResolvePay's platform enables you to receive payment in 1-2 days instead of 30-90 while your customers enjoy flexible payment terms.

Pricing models reflect different service approaches

Bill.com's subscription structure

The pricing structure follows a per-user subscription model:

Essentials plan: $49 USD per user per month
Team plan: $65 USD per user per month
Corporate plan: $89 USD per user per month
Enterprise plan: Custom pricing
Additional transaction fees: $0.59 per ACH, $1.99 per check
Credit card fees: 2.9% (can be passed to customer)

ResolvePay's transaction-based pricing

ResolvePay uses a simple transaction-based model:

3.5% for Net 30 terms with upfront cash advance
Risk-based pricing for longer terms (Net 60, Net 90)
No monthly subscription fees or per-user charges
No setup fees or hidden costs
All features included in transaction fee

This pricing structure makes ResolvePay particularly attractive for businesses that need immediate cash flow without ongoing subscription commitments. The transaction-based approach means you only pay when you use the service, with one flat fee delivering immediate cash and comprehensive risk coverage.

Target customers and ideal use cases

Bill.com's target market

Bill.com primarily serves small to mid-sized businesses needing AP/AR automation. Their platform appeals to companies seeking to streamline payment processing and accounting workflows with digital tools. The subscription model works well for businesses processing high volumes of standard invoices.

ResolvePay's B2B focus

ResolvePay targets B2B businesses with $1M+ annual B2B revenue that need to offer net terms while protecting cash flow. These organizations typically sell to other businesses and face the classic B2B challenge of balancing competitive payment terms with healthy cash flow. ResolvePay's solution enables businesses to offer net terms and grow revenue while receiving immediate payment.

This distinction matters for growth-focused B2B sellers. Companies need strategic financial infrastructure that enables expansion while protecting working capital, and ResolvePay's model specifically addresses these needs.

Risk management and credit capabilities

Bill.com's payment processing approach

Bill.com provides:

Standard payment processing and workflow automation
Basic payment tracking and reminders
Merchant manages all credit risk and collections
No built-in credit assessment or underwriting
No financing or advance payment options

ResolvePay's comprehensive risk solution

ResolvePay offers integrated risk management:

100% non-recourse financing—seller keeps advance even if buyer defaults
Proprietary AI models evaluate buyer data for credit decisions
ResolvePay assumes majority risk of late payments or defaults
Automated collections management with AI agents handling follow-up
Credit experts formerly from Amazon, PayPal, and Fortune 500 firms

ResolvePay's non-recourse model provides significant protection for B2B sellers. The credit assessment requires only a customer's business name and address, delivering results typically within 24 business hours. Some purchases up to $25,000 may qualify for instant approvals, enabling immediate sales without manual credit checks.

Integration ecosystems support different business models

Bill.com's accounting-focused integrations

Bill.com integrates with accounting and business software:

QuickBooks (automatic 2-way sync on Team+ plans)
NetSuite, Sage Intacct, Microsoft Dynamics (Enterprise only)
Xero (automatic 2-way sync on Team+ plans)
4M+ vendors in BILL network for easy connections

ResolvePay's omnichannel B2B integrations

ResolvePay supports modern B2B commerce across channels:

QuickBooks, Xero, NetSuite, Sage Intacct
Shopify, BigCommerce, Magento, WooCommerce
Oracle, BigCommerce, and other leading platforms
Flexible APIs for custom e-commerce implementations
Bi-directional sync with automatic bookkeeping

The integration difference reflects each platform's focus. Bill.com connects to back-office accounting systems, while ResolvePay integrates with front-office sales channels where B2B transactions occur. For e-commerce B2B businesses, ResolvePay's native integrations enable instant net terms at checkout, supporting increased average order values and sales growth.

Customer experience and support quality

Bill.com's customer feedback

Bill.com's customer reviews show:

3.1/5 rating on Trustpilot (540+ reviews)
171 complaints filed with BBB in 3 years
Standard support channels for troubleshooting
Established platform with large user community

ResolvePay's support approach

ResolvePay emphasizes dedicated support:

5.0/5 rating on G2 (16 verified reviews)
Customer support listed as top benefit across reviews
Fast implementation (2-4 weeks typical)
Dedicated support for merchants and their customers
White-label features allowing businesses to maintain brand consistency

ResolvePay's white-label payment portal enhances customer experience by maintaining brand consistency throughout the payment journey. Buyers interact with the merchant's branded portal, strengthening business relationships and increasing payment adoption rates.

Results and performance metrics

Bill.com's operational benefits

Bill.com delivers time-saving benefits:

Estimated 50% reduction in AP processing time
Faster invoice delivery and payment workflows
Automated payment scheduling and tracking
Centralized payment management

ResolvePay's growth and cash flow impact

ResolvePay delivers measurable business outcomes:

DSO reduction to 1 day with upfront cash advances
14+ hours weekly saved on AR tasks through AI automation
20-40% YoY sales growth from offering net terms
30-60% increase in average order value with embedded financing
100% non-recourse protection managing credit risk

Real-world examples demonstrate this impact. According to the U.S. Census Bureau's B2B e-commerce data, B2B transactions represent trillions in annual volume, and companies like Archipelago tripled their revenue through Resolve, while SSSI achieved 5x revenue growth. These results stem from ResolvePay's combination of instant credit approval, upfront cash, and risk management.

Why ResolvePay delivers comprehensive value for B2B sellers

B2B sellers need strategic financial infrastructure that enables growth while protecting cash flow. ResolvePay's platform specifically addresses these needs through:

Cash flow transformation: Receive up to 100% upfront payment for invoices while customers enjoy 30-90 day terms. This eliminates the traditional B2B cash flow gap that can constrain growth.

Risk management: 100% non-recourse financing means you keep your advance even if customers default, providing valuable protection when extending credit terms.

Sales growth acceleration: Offering net terms through ResolvePay supports 20-40% YoY sales growth by increasing customer purchasing power and enabling larger orders.

Operational efficiency: AI agentic AR automation reduces manual work by 14+ hours weekly while improving collections performance, translating directly to cost savings and better resource allocation.

Transparent pricing: 3.5% flat fee for Net 30 terms with no monthly subscriptions, setup fees, or hidden costs. This predictable pricing model scales with your business.

For B2B sellers seeking to grow revenue while protecting cash flow, ResolvePay represents a specialized approach to B2B payments and credit. The combination of embedded financing, risk management, AI automation, and transparent pricing creates a compelling value proposition specifically designed for B2B commerce needs.

Frequently Asked Questions

How does ResolvePay's 'non-recourse' financing differ from traditional factoring?

ResolvePay's non-recourse financing completely eliminates merchant risk—you keep your advance payment even if your customer defaults on their invoice. Traditional factoring often includes recourse provisions that require you to repay the advance if customers don't pay, creating ongoing liability. ResolvePay assumes all credit risk, allowing you to offer net terms confidently while receiving immediate cash.

Can ResolvePay integrate with my existing ERP and accounting software?

Yes, ResolvePay offers seamless integration with leading ERP and accounting platforms including QuickBooks, Xero, NetSuite, and Sage Intacct. The platform also integrates with major e-commerce platforms like Shopify, BigCommerce, Magento, and WooCommerce, enabling embedded net terms at checkout. All transactions automatically sync to your accounting software with real-time bookkeeping, eliminating manual data entry and reconciliation errors.

What are the typical fees associated with using ResolvePay's Net Terms service?

ResolvePay charges a transparent flat fee of 3.5% for Net 30 terms with upfront cash advances. Longer terms (Net 60, Net 90) have risk-based pricing. Unlike subscription-based platforms, ResolvePay's pricing is purely transaction-based with no monthly minimums, setup fees, or hidden costs. All features including AI automation, credit assessment, and collections management are included in the transaction fee.

How quickly can my business receive payments from approved invoices with ResolvePay?

ResolvePay delivers up to 100% upfront payment within 1-2 business days of invoice approval. Credit decisions happen typically within 24 business hours, with some purchases up to $25,000 qualifying for instant approval. This dramatically accelerates cash flow compared to traditional 30-90 day payment cycles, effectively reducing your DSO to 1 day while your customers still enjoy flexible payment terms.

What kind of businesses are best suited for ResolvePay's credit and AR solutions?

ResolvePay serves B2B businesses with $1M+ annual B2B revenue across industries including manufacturing, wholesale distribution, construction, and e-commerce. The platform is ideal for companies that need to offer net terms to drive sales growth but want to eliminate the associated cash flow strain and credit risk. If your business sells to other businesses and seeks to balance competitive payment terms with healthy working capital, ResolvePay provides an optimized solution.

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.