ResolvePay vs Billtrust vs TreviPay: B2B Payments Compared (2026)

Choosing between ResolvePay vs Billtrust vs TreviPay comes down to what your B2B business actually needs. Resolve is the strongest choice for mid-market suppliers who need net terms financing with zero credit risk. Billtrust leads in enterprise AR automation and payment network connectivity. TreviPay wins for global, multi-entity enterprises running dealer and distributor networks across 30+ countries. All three platforms solve real B2B payment problems, but they solve fundamentally different ones. This guide breaks down exactly where each platform excels so you can match the right tool to your business. B2B payment trends, the market for automated B2B payment solutions continues to grow as companies prioritize cash flow optimization and operational efficiency.

Key Takeaways

• Net Terms Financing: Resolve offers non-recourse net terms financing with advance payments within 24 hours on approved invoices
• Global Coverage: TreviPay operates across 30+ countries with multi-currency invoicing
• Speed to Deploy: Resolve onboards in days with minimal implementation overhead
• Enterprise Scale: Billtrust processes $1T+ in annual transactions across its Business Payments Network
• Credit Risk Protection: Resolve provides 100% non-recourse financing, absorbing all buyer default risk
• Payment Network Size: Billtrust processes $1T+ in B2B transactions annually and draws insights from 13 million B2B buyers across 1+ million companies
• Dealer/Fleet Networks: TreviPay is purpose-built for multi-entity purchasing models
• Pricing Transparency: Resolve offers competitive non-recourse pricing with full transparency
• Multi-Channel Payments: Billtrust supports ACH, cards, virtual cards, Digital Lockbox, and BPN
• Industry Experience: TreviPay brings 40+ years in B2B payments since 1980

Quick Overview

Resolve (ResolvePay)

Resolve is a B2B commerce platform that lets suppliers offer net 30, 60, or 90-day payment terms to their buyers while getting paid upfront. Built by Affirm and PayPal alumni, the platform combines AI-powered credit decisioning, non-recourse financing, and full AR automation into a single product.

Over 15,000 businesses use Resolve to shrink DSO from 60+ days to 1 day without taking on credit risk. For a deeper look at how Resolve compares to Billtrust specifically, see our ResolvePay vs Billtrust breakdown. The Smart Credit Engine approves buyers in seconds, and ERP integrations reduce manual reconciliation by up to 90%. According to G2 reviews, users consistently highlight the platform's speed of deployment and credit risk elimination as key benefits.

Billtrust

Billtrust is the established leader in B2B accounts receivable automation. Founded in 2001, the platform processes over $1 trillion in B2B transactions annually and supports a massive network of 13 million buyers across 1+ million companies.

Billtrust automates the entire order-to-cash cycle: invoicing, payment acceptance, cash application, and collections. The platform earned 35 G2 badges in Winter 2026 and was named among G2's Best Accounting and Finance Software for 2026. Billtrust focuses exclusively on making existing AR processes faster and more efficient, with deep integrations across SAP, Oracle, NetSuite, and 20+ other enterprise ERPs. The platform's Digital Lockbox capability streamlines virtual card processing, and its AI-powered cash application reduces manual payment matching significantly.

TreviPay

TreviPay is an enterprise-grade B2B payment and invoicing network with 40+ years of experience. Processing $6 billion or more in annual volume across 20,000+ buying and selling entities, TreviPay specializes in complex, global B2B payment environments.

The platform supports operations in 30+ countries with multi-currency invoicing, AI-enhanced underwriting using 30+ databases, and omnichannel purchasing across web, app, in-store, and partner networks. TreviPay offers both funded programs (guaranteed DSO) and non-funded options, making it the go-to platform for multinational manufacturers and fleet operators. The company's institutional knowledge of dealer networks, distributor relationships, and fleet purchasing models is built on decades of specialization in these verticals. See our full list of TreviPay alternatives for additional options.

Feature-by-Feature Comparison: ResolvePay vs Billtrust vs TreviPay

Pricing Comparison

Resolve Pricing

Resolve uses a transparent, transaction-based pricing model with competitive non-recourse rates that scale with term length (60-day and 90-day terms cost more). There are no hidden fees, no monthly minimums for the base plan, and no long-term contracts required. The pricing includes credit decisioning, financing, AR automation, and collections — everything in one fee.

Total Cost of Ownership: For a B2B supplier processing net terms invoices, Resolve charges a small percentage per invoice. In return, you eliminate DSO entirely, remove credit risk, and free up working capital that would otherwise be tied up for 30-60 days. Per Investopedia's guide to invoice financing, transaction-based pricing models offer the most predictable costs for growing businesses.

Billtrust Pricing

Billtrust uses custom pricing based on invoice volume, modules, integrations, and implementation scope. Costs vary by deployment, so businesses typically need to speak with sales for a quote. Implementation costs are additional. Since Billtrust focuses on AR automation, organizations may also factor in separate arrangements for credit lines or financing to accelerate cash flow.

Total Cost of Ownership: Factor in the platform fee plus any third-party financing costs, plus implementation and training costs. Billtrust's comprehensive module library means organizations can start with core AR automation and expand to additional capabilities as needed.

TreviPay Pricing

TreviPay typically uses a transaction-fee model deducted from settlement, with pricing varying by program structure, industry, volume, geography, and service scope. Businesses generally need to speak with sales for a custom quote.

Total Cost of Ownership: TreviPay's pricing reflects the platform's global infrastructure, compliance capabilities, and enterprise support. The investment makes the most sense when transaction volumes and geographic scope justify the comprehensive infrastructure — typically for organizations processing $10M+ in annual B2B receivables.

 Platform Strengths

Resolve: Key Strengths

• Get paid in 1-2 business days on every approved invoice — eliminates DSO entirely
• 100% non-recourse financing means zero exposure to buyer defaults
• Smart Credit Engine approves buyers in seconds, accelerating the sales cycle
• Transparent pricing with no hidden fees or surprise charges
• Fastest onboarding in the category — operational in days
• Full-stack solution: credit, financing, AR automation, and collections in one platform
• Founded by Affirm/PayPal veterans with deep fintech expertise
• 15,000+ businesses already on the platform
• ERP integrations with QuickBooks and NetSuite keep financial data synchronized
• Merchant-branded buyer experience maintains supplier brand identity throughout the payment process

Billtrust: Key Strengths

• Massive Business Payments Network connecting 2.5M+ entities
• Processes $1T+ annually — proven at virtually any scale
• Deep ERP integrations with SAP, Oracle, NetSuite, and 20+ others
• AI-powered cash application reduces manual matching dramatically
• Multi-channel payment capture including Digital Lockbox for virtual cards
• 35 G2 badges in Winter 2026 reflecting strong user satisfaction
• Comprehensive order-to-cash coverage spanning invoicing, payment acceptance, cash application, and collections
• Electronic invoicing capabilities streamline the delivery and tracking of invoices across buyer channels
• Intelligent collections workflows prioritize outreach based on payment probability and account history

TreviPay: Key Strengths

• Unmatched global coverage across 30+ countries with multi-currency invoicing
• 40+ years of B2B payments experience — deep institutional knowledge
• Guaranteed DSO on funded programs provides cash flow predictability
• Purpose-built for dealer, distributor, and fleet network models
• AI-enhanced underwriting leveraging 30+ data sources
• Omnichannel support across web, app, in-store, and partner networks
• Handles complex multi-entity organizations with centralized credit management
• Partnerships with major financial institutions provide institutional backing
• Localized payment methods by country ensure buyer convenience across global markets
• Configurable terms ranging from 15 to 90 days accommodate diverse buyer requirements across industries

Who Should Choose Resolve

Choose Resolve if you are:

• A mid-market B2B supplier ($1M-$100M revenue) that wants to offer net terms to grow sales without straining cash flow. Resolve pays you upfront and takes on the credit risk, enabling you to invest in inventory, marketing, and growth initiatives while buyers enjoy the flexible terms they expect.
• Cash-flow constrained. If waiting 30-60-90 days for payment is limiting your growth, Resolve shrinks DSO to 1 day. This transformation in working capital availability can fundamentally change how you plan purchasing cycles, seasonal inventory, and expansion initiatives.
• Launching or scaling a net terms program. If you do not currently offer net terms (or offer them informally), Resolve gives you the infrastructure and financing to do it professionally with automated credit checks, real-time buyer approvals, and complete invoicing workflows.
• Looking for credit risk elimination. Resolve's non-recourse model means buyer defaults are Resolve's responsibility, freeing your finance team to focus on strategic priorities rather than collections management.
• Looking for fast time-to-value. You want a platform that is operational in days, not a multi-month implementation project that delays the benefits of AR automation.
• Selling domestically in the US. Resolve's strengths are concentrated in the US market where it has the deepest buyer data and fastest approvals. For suppliers serving US-based buyers, this focus translates to higher approval rates and faster credit decisions.

Resolve is the ideal choice for B2B suppliers who see net terms as a growth lever, not just a collections challenge. The platform turns accounts receivable from a cash flow drag into a competitive advantage. Learn more about how net terms management works in practice.

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Who Should Choose Billtrust

Choose Billtrust if you are:

• A large enterprise ($100M+ revenue) with an established AR department that needs to automate and optimize existing processes. Billtrust's comprehensive order-to-cash suite covers invoicing, payment acceptance, cash application, and collections with enterprise-grade depth.
• Already managing credit through your own program or a financial institution. Billtrust works well when you have credit arrangements in place and need optimized AR execution across high transaction volumes.
• Processing high transaction volumes across multiple payment types. The Business Payments Network and Digital Lockbox excel when you receive payments via ACH, cards, checks, and virtual cards from thousands of buyers. The BPN's scale — connecting 2.5M+ entities — provides network effects that grow with your business.
• Running SAP, Oracle, or a complex ERP environment. Billtrust's deep integrations with major ERPs make it a strong choice for enterprises with established tech stacks that require seamless bidirectional data flow.
• Focused on cash application accuracy. If your biggest pain point is matching incoming payments to invoices across multiple channels, Billtrust's AI-powered cash application is best in class and handles complex matching scenarios including partial payments, overpayments, and deductions.

Billtrust is the right platform when AR automation efficiency is the primary need. It excels at making large, complex AR operations run with less manual effort and fewer errors. For more Billtrust alternatives, see our Billtrust alternatives roundup.

Who Should Choose TreviPay

Choose TreviPay if you are:

• A multinational enterprise operating across 10+ countries that needs localized payment methods, multi-currency invoicing, and cross-border compliance built into the platform. TreviPay's infrastructure across 30+ countries means you can serve buyers in their preferred payment methods and local currencies.
• Running dealer, distributor, or fleet networks. TreviPay's multi-entity credit management is purpose-built for these models, allowing centralized credit decisions across thousands of buying entities while maintaining individual entity-level controls and spending limits.
• Processing $10M+ in annual B2B receivables with the IT resources and budget to support a full enterprise implementation. TreviPay's comprehensive capabilities deliver the most value at scale.
• In manufacturing, transportation, or industrial sectors. TreviPay's 40 years of experience in these industries means the platform understands your workflows, compliance requirements, and buyer expectations at a deep operational level.
• Needing omnichannel B2B purchasing. If your buyers order through a mix of web, mobile app, in-store terminals, and partner networks, TreviPay unifies the credit and payment experience across all channels with consistent terms and real-time credit decisions.

TreviPay is the right choice when your B2B payment complexity is genuinely global and multi-entity. The platform's depth in enterprise-scale operations is built on four decades of specialization. For a head-to-head breakdown, read our ResolvePay vs TreviPay comparison.

Final Verdict: ResolvePay vs Billtrust vs TreviPay

The right platform depends on where your biggest pain point sits:

If cash flow is the problem, Resolve wins decisively. No other platform in this comparison pays you upfront on every invoice, assumes 100% of the credit risk, and deploys in days. For mid-market B2B suppliers, Resolve transforms net terms from a liability into a growth engine. The combination of AI credit decisioning, next-day advances, and complete AR automation means suppliers gain immediate working capital advantages while their buyers enjoy the flexible terms that drive larger orders and repeat business.

If AR process efficiency is the problem, Billtrust is the established leader. When you already have financing arranged and need to automate invoicing, payment capture, and cash application across a complex enterprise, Billtrust's 20+ year track record and $1T+ in processed transactions demonstrate proven capability at enterprise scale. The platform's AI-powered cash application and extensive ERP integrations deliver measurable efficiency gains for large AR teams.

If global complexity is the problem, TreviPay delivers. When your business spans continents, currencies, and channel types with thousands of buying entities, TreviPay's infrastructure handles that scale with 40 years of institutional knowledge in dealer, distributor, and fleet network models.

For most mid-market B2B suppliers reading this comparison, Resolve offers the fastest path to tangible results: get paid in 1 day instead of 60, eliminate credit risk entirely, and start offering competitive net terms to win more deals. According to Gartner's research on B2B payment platforms, the ability to offer flexible terms while maintaining cash flow predictability is becoming a competitive differentiator for B2B sellers.

Explore the best B2B payment processing software for a broader market overview, or read our B2B BNPL guide to understand the category.

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Frequently Asked Questions 

Can I use Resolve and Billtrust together?

Yes. Some businesses use Resolve for net terms financing and credit risk coverage while using Billtrust for broader AR automation on their existing payment channels. The platforms address different parts of the AR workflow and can complement each other, though Resolve's built-in AR automation may provide sufficient coverage for many mid-market scenarios without requiring a separate tool.

Does Billtrust offer any form of invoice financing?

Billtrust is an AR automation platform that helps you invoice, collect, and apply payments faster. It focuses on making your existing AR processes more efficient through intelligent automation. If you need faster access to cash through advance payments, you would pair Billtrust with a financing provider. According to G2's AR automation category, organizations often evaluate whether they need process automation, financing, or both.

How does TreviPay's guaranteed DSO compare to Resolve's advance payment?

Both accelerate cash flow through different mechanisms. Resolve advances up to 100% of the invoice value within 24 hours on a non-recourse basis. TreviPay's funded program guarantees a specific DSO (e.g., net 30 settlement), meaning you receive payment on a predictable schedule. For suppliers who need cash the fastest, Resolve's model delivers funds sooner. TreviPay's guaranteed DSO approach provides predictability that works well for organizations with structured financial planning cycles.

Which platform is best for a small B2B business under $1M in revenue?

Resolve is generally the most accessible option of these three for smaller B2B suppliers that meet its qualification requirements. Its transaction-based structure avoids large upfront software costs, and setup is typically faster than Billtrust or TreviPay. Both Billtrust and TreviPay are built for higher transaction volumes and enterprise-scale operations, where their comprehensive feature sets deliver the strongest ROI.

Does TreviPay work for US-only businesses?

TreviPay can serve US-only businesses, though its core value proposition centers on global and multi-entity complexity. TreviPay's 40 years of industry experience in manufacturing, transportation, and fleet management also provide deep vertical expertise. For US-focused businesses with simpler payment requirements, Resolve or Billtrust may deliver more targeted value.

How do credit decisions differ across the three platforms?

Resolve uses an AI-powered Smart Credit Engine that approves buyers in seconds using real-time data. TreviPay leverages AI-enhanced underwriting across 30+ databases, tuned for enterprise-scale credit decisions with multi-entity complexity. Billtrust focuses on AR workflow automation and payment processing, with credit management handled through the organization's existing credit processes or third-party providers.

What ERP integrations does each platform support?

Resolve integrates with QuickBooks, NetSuite, and offers a flexible API for custom connections. Billtrust supports 20+ ERPs including SAP, Oracle, and NetSuite with the deepest enterprise integrations. TreviPay connects with major ERPs through its API layer. For complex SAP/Oracle environments, Billtrust has the most mature integration library.

How do implementation timelines compare across these platforms?

Resolve offers the fastest path to production — typically days — thanks to streamlined onboarding and pre-built integrations. Billtrust and TreviPay both involve longer deployment cycles that reflect the depth of their enterprise capabilities, ERP integration requirements, and configuration complexity. Organizations should factor implementation timeline into their total cost of ownership calculations, as per NerdWallet's business software evaluation framework.

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.