When B2B companies need to offer net payment terms to drive sales while protecting cash flow, choosing between payment solutions becomes a critical decision. According to Federal Reserve research, B2B payment terms significantly impact business relationships and purchasing decisions. Two prominent options—ResolvePay and BlueVine—represent fundamentally different approaches to B2B commerce. BlueVine operates as a comprehensive business banking platform with checking accounts, credit lines, and payment processing, while ResolvePay offers specialized B2B net terms and accounts receivable automation with embedded credit expertise designed specifically for businesses selling to other businesses.
BlueVine positions itself as an integrated business banking platform, offering checking accounts, credit lines, term loans, and payment processing for small to medium businesses. Founded in 2013 and based in Jersey City, New Jersey, BlueVine has served over 750,000-900,000+ U.S. businesses and delivered $16 billion+ in working capital. The platform provides high-yield checking accounts with up to 3.0% APY and FDIC insurance up to $3 million USD through partner banks, creating a comprehensive financial services hub.
ResolvePay takes a different approach focused specifically on B2B commerce. Founded in 2019 by former Affirm executives, ResolvePay specializes in B2B net terms and accounts receivable automation for businesses with $1M+ annual B2B revenue. Rather than offering general banking services, ResolvePay delivers targeted expertise in credit underwriting, invoice financing, and collections management. The platform has served over 15,000 businesses and focuses exclusively on helping B2B sellers offer net terms and grow revenue while eliminating credit risk through non-recourse financing.
The fundamental difference lies in specialization: BlueVine provides comprehensive business banking infrastructure, while ResolvePay specializes in B2B commerce relationships through embedded credit expertise and net terms management.
This comprehensive approach serves businesses needing general banking services across various industries.
This specialization allows ResolvePay to deliver deep expertise in B2B commerce and net terms management. According to U.S. Small Business Administration research, effective accounts receivable management is critical for B2B cash flow.
While BlueVine requires personal guarantees for credit products, ResolvePay assumes 100% of the credit risk through non-recourse financing, meaning merchants keep advanced funds even if buyers default. This risk elimination model serves B2B companies where buyer payment uncertainty could impact profitability.
The pricing structures reveal each company's target market and service philosophy.
ResolvePay's transparent, predictable pricing structure with non-recourse financing provides B2B sellers with complete protection from buyer default risk, while BlueVine's variable rate model serves businesses seeking traditional credit lines with different risk profiles.
BlueVine primarily serves general small to medium businesses across various industries that need comprehensive banking services. Their ideal clients are companies seeking high-yield checking accounts, revolving credit lines, and basic payment processing. These businesses benefit from BlueVine's integrated banking platform for everyday financial operations.
ResolvePay targets B2B companies with $1M+ annual B2B revenue that need to offer net payment terms to drive sales growth. These organizations typically sell to other businesses and need specialized credit underwriting, accounts receivable automation, and non-recourse invoice financing. Notable success stories include companies like ConEquip and Archipelago that achieved significant revenue growth through ResolvePay's net terms platform.
This distinction reflects different business models: B2B companies focused on net terms management benefit from specialized B2B commerce solutions that enhance customer relationships while protecting cash flow, while businesses needing general banking services find value in comprehensive platforms like BlueVine.
Both companies showcase different types of results based on their service focus.
The customer feedback reflects each platform's specialization: BlueVine serves broad banking needs with mixed experiences, while ResolvePay's B2B net terms focus delivers consistently high satisfaction for companies in that specific use case.
The automation philosophy difference reflects each platform's core mission: BlueVine provides banking automation tools, while ResolvePay delivers comprehensive B2B commerce automation specifically designed for net terms management.
The risk protection difference is fundamental to each platform's design: BlueVine operates on traditional lending principles with merchant liability, while ResolvePay's non-recourse model provides complete protection specifically engineered for B2B net terms scenarios where buyer payment uncertainty is a key concern.
The integration depth reflects each platform's specialization: BlueVine provides banking connectivity, while ResolvePay's comprehensive B2B commerce integrations eliminate manual work and accelerate cash flow across the entire order-to-cash lifecycle.
B2B companies with $1M+ annual B2B revenue seeking to offer net terms have specific needs that ResolvePay addresses through specialized design. Research from industry studies on B2B payment terms shows that flexible payment options significantly impact purchasing decisions and business relationships.
For B2B companies seeking to offer net terms and grow revenue without assuming credit risk, ResolvePay provides specialized B2B commerce tools designed specifically for this use case. The combination of targeted expertise, non-recourse financing, transparent pricing, and comprehensive automation creates a focused value proposition for businesses prioritizing net terms management.
The primary difference is that ResolvePay specializes exclusively in B2B net terms and accounts receivable automation with 100% non-recourse financing, while BlueVine provides general business banking services including checking accounts, credit lines, and payment processing. ResolvePay eliminates all merchant credit risk and focuses on B2B commerce relationships, while BlueVine offers comprehensive banking infrastructure with traditional recourse-based credit products.
ResolvePay specializes in B2B net terms management with services designed specifically for this purpose. ResolvePay offers 30/60/90-day net terms with embedded checkout for e-commerce platforms, AI-powered credit decisions, white-label customer portals, and comprehensive AR automation. BlueVine focuses on general business banking and credit lines rather than specialized net terms capabilities for B2B commerce.
ResolvePay uses AI to automate the entire AR workflow from credit assessment to collections management. The platform employs AI agents to manage workflows, automate payment reminders, and reduce friction in collections. ResolvePay's proprietary AI models evaluate thousands of buyer data points to generate dynamic credit decisions, and the system uses LLMs to automate invoicing workflows and ensure automatic reconciliation across all transaction types. This AI-powered approach reduces manual AR work by 14+ hours weekly and accelerates cash flow significantly.
No, there are no upfront costs or interest charges for buyers using ResolvePay's B2B buy now, pay later options. Buyers receive 0% interest for 30-60 days with no fees, allowing them to purchase what their business needs now and pay later. Credit card fees are passed on to buyers through the online payment portal, but there are no application fees, setup costs, or interest charges during the net terms period.
ResolvePay charges a flat 3.15% fee for 30-day net terms financing, with transparent pricing that includes no hidden fees or monthly maintenance charges. The platform advances up to 100% of invoice value within 24 hours for approved customers, and all cash advances are non-recourse, meaning merchants keep the funds even if buyers default. This transparent, predictable pricing provides B2B sellers with clear cost expectations.
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.