When B2B businesses need to streamline their accounts receivable processes and offer net payment terms to customers, choosing between payment solutions becomes a critical decision. Two prominent options—ResolvePay and Billtrust—represent fundamentally different approaches to B2B payments and credit management. Billtrust specializes in accounts receivable automation for enterprises with established financing arrangements, while ResolvePay offers an integrated platform that combines B2B net terms with non-recourse financing, AI-powered credit decisions, and AR automation. This comparison explores how ResolvePay's embedded approach serves businesses looking to grow sales, accelerate cash flow, and eliminate credit risk through a comprehensive integrated solution.
Billtrust has established itself as a leader in accounts receivable automation for enterprises, with over 24 years of experience in the market. The company processes over $1 trillion in annual transactions and serves 2.5 million suppliers and buyers. Billtrust's platform focuses on automating the entire order-to-cash cycle with capabilities in invoicing, payment processing, cash application, and collections management. According to Federal Reserve research on B2B payments, digitizing AR processes has become increasingly important for businesses of all sizes. Their solution is designed for large enterprises with complex ERP systems who need to streamline their AR operations.
ResolvePay takes a fundamentally different approach by integrating financing directly into the AR automation platform. Resolve launched as a spinout from Affirm in 2019, ResolvePay has quickly grown to serve over 15,000 businesses with a platform that combines embedded credit expertise, invoice financing, and payments automation. The platform enables businesses to offer net terms to customers while receiving advance payment on approved invoices—addressing both the cash flow and credit risk challenges associated with extending payment terms. The U.S. Small Business Administration recognizes that managing cash flow and credit risk are among the top challenges for growing B2B businesses. ResolvePay is designed for B2B businesses that want to grow sales by offering net terms while maintaining healthy cash flow.
The fundamental difference lies in philosophy: Billtrust automates existing AR processes while ResolvePay provides an integrated credit-to-cash solution that embeds financing directly into the payment workflow.
Billtrust's service portfolio focuses on comprehensive AR automation:
This approach serves enterprises that have established credit policies and financing arrangements and need to improve AR efficiency and reduce manual work.
ResolvePay's integrated platform combines financing with automation:
The integration of financing with automation allows ResolvePay to address the complete credit-to-cash cycle in a single platform. ResolvePay enables businesses to offer net terms to customers while receiving payment within 1-2 days, transforming the business model from one that waits for customer payments to one that receives immediate cash flow while still providing flexible terms to buyers.
The pricing structures reveal each company's target market and service philosophy.
Billtrust's pricing structure:
ResolvePay's pricing structure:
This pricing structure makes ResolvePay accessible for businesses that need to offer net terms without the complexity of enterprise solutions. ResolvePay's transparent pricing includes both automation and financing in a single integrated fee structure.
Billtrust primarily serves large enterprises with complex AR requirements and established financing arrangements. Their ideal clients are companies processing high transaction volumes with sophisticated ERP systems who need to improve AR efficiency. These companies typically have dedicated finance teams and existing relationships with financial institutions for financing needs.
ResolvePay targets B2B businesses with $1M+ annual revenue that want to grow sales by offering net terms while protecting their cash flow. These organizations may have existing AR processes but benefit from a solution that addresses both automation and financing in a single platform. ResolvePay's customers include ConEquip and Archipelago—companies that have achieved significant growth by offering net terms through an integrated platform.
For B2B businesses that need to offer net terms to remain competitive, ResolvePay provides a complete solution that addresses both automation and financing in an accessible, integrated platform.
Both companies showcase impressive results, with distinct focuses reflecting their different approaches.
Billtrust's case studies highlight operational efficiency improvements:
ResolvePay's results emphasize business transformation and growth:
Research from the Association for Financial Professionals shows that companies implementing integrated AR and financing solutions see measurable improvements in both operational efficiency and working capital metrics. ResolvePay enables new business capabilities that drive growth and provide comprehensive financial benefits.
The most significant difference between ResolvePay and Billtrust lies in their approach to credit and net terms.
Billtrust's credit capabilities:
ResolvePay's credit and financing capabilities:
Understanding business credit risk is crucial for B2B companies extending payment terms. ResolvePay's integrated approach enables companies to offer net terms with comprehensive risk protection and immediate cash flow—transforming how businesses manage the credit-to-cash cycle.
Billtrust's integration approach:
ResolvePay's integration approach:
ResolvePay's rapid implementation enables immediate business impact for companies that need to start offering net terms quickly and efficiently.
The total cost of ownership reveals important differences between the two approaches.
For a business processing $100,000 USD in monthly net terms invoices:
Billtrust's estimated costs:
ResolvePay's costs:
ResolvePay's integrated approach combines automation and risk protection in a transparent pricing structure that provides predictable costs and comprehensive value.
B2B businesses that need to offer net terms to remain competitive face unique challenges that benefit from ResolvePay's integrated approach. These companies don't just need AR automation—they need a complete solution that addresses financing, risk management, and automation in a single platform.
Key advantages of ResolvePay's approach:
For B2B businesses that need to offer net terms to remain competitive, ResolvePay represents an integrated approach to B2B payments and credit management. The combination of embedded financing, risk protection, rapid implementation, and transparent pricing creates a compelling value proposition for businesses seeking comprehensive solutions.
ResolvePay offers embedded net terms with non-recourse financing, meaning businesses can offer 30/60/90-day payment terms to customers while receiving up to 100% advance payment on approved invoices within 1-2 days. ResolvePay provides complete credit risk protection, eliminating merchant exposure to customer defaults. Billtrust provides AR automation software with credit management tools designed for enterprises with established financing arrangements. ResolvePay's integrated platform is ideal for businesses that want to offer net terms as a competitive advantage while protecting their cash flow and managing financial risk through a single comprehensive solution.
ResolvePay's non-recourse financing offers up to 100% advance payment on approved invoices with zero merchant risk on customer defaults. This integrated approach contrasts with traditional factoring and other financing solutions that either require recourse arrangements or charge significantly higher fees. The 100% non-recourse model provides comprehensive risk protection while enabling businesses to offer competitive payment terms. Combined with transparent pricing at approximately 3.15% on 30-day net terms, this creates a compelling value proposition that addresses both financing and risk management in a single integrated platform.
ResolvePay offers extensive integration capabilities with 300+ APIs and 20+ native platform integrations, including QuickBooks, NetSuite, Xero, Oracle, Sage, Shopify, BigCommerce, Magento, and WooCommerce. The platform features hours-to-days implementation timelines, enabling rapid time-to-value with minimal IT resource requirements. The integrations provide automated reconciliation, real-time transaction syncing, and seamless data flow between ResolvePay and existing systems. This approach makes ResolvePay particularly accessible for businesses that need to deploy quickly without extensive technical overhead or lengthy implementation processes.
ResolvePay is designed for B2B businesses with $1M+ annual revenue, making it accessible to small and mid-market businesses that have achieved initial scale. The platform's transparent pricing model with no setup fees, monthly minimums, or hidden costs makes it particularly attractive for growing businesses that need advanced capabilities without enterprise-level complexity or investment. ResolvePay's focus on growing B2B businesses enables companies to access integrated credit, financing, and automation capabilities. The rapid implementation timeline and self-service setup further enhance accessibility for businesses with limited IT resources.
ResolvePay's AI-powered automation transforms the accounts receivable process by combining intelligent credit decisions with automated workflows. The platform uses proprietary AI models that evaluate thousands of buyer data points to generate instant credit decisions in 10-30 seconds. This automation extends to the entire AR lifecycle, including payment reminders, collections management, and reconciliation, resulting in a 90% reduction in manual AR work. The AI-driven platform also enables businesses to offer net terms as a competitive advantage, driving 40% higher average order values and 20% year-over-year sales growth while maintaining healthy cash flow through advance payments.
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.