ResolvePay vs Coupa Pay

When B2B businesses need to accelerate cash flow and offer net terms without taking on additional risk, choosing between payment solutions becomes a critical decision. Two prominent options—ResolvePay and Coupa Pay—represent fundamentally different approaches to B2B payments. Coupa Pay operates as an enterprise spend management platform with integrated payment capabilities, while ResolvePay offers specialized B2B BNPL, net terms financing, and accounts receivable automation with non-recourse protection. This comparison explores why ResolvePay's focused approach serves SMBs and mid-market businesses that need risk-free financing and rapid cash flow acceleration.

Key Takeaways

ResolvePay delivers risk-free financing and AR automation for SMBs/mid-market B2B sellers at competitive published fees starting at 3.15% for 30-day net terms, while Coupa Pay focuses on enterprise spend management for large organizations with complex procurement needs
SMBs benefit from ResolvePay's non-recourse financing model that eliminates bad debt risk entirely, transferring credit exposure away from the merchant
ResolvePay offers rapid implementation in days with 24-48 hour cash advances, enabling immediate working capital access
For B2B e-commerce businesses, ResolvePay provides native integrations with Shopify, BigCommerce, Magento, and WooCommerce with embedded net terms at checkout
ResolvePay's competitive pricing (starting at 3.15% published fees) provides budget predictability for growing B2B businesses

Understanding each company's core positioning

Coupa Pay's enterprise focus

Coupa Pay positions itself as a comprehensive business spend management platform, offering procurement, invoicing, and payment processing for large enterprises. Founded in 2006 with Coupa Pay launching in 2018, the company has built its reputation on unified source-to-pay capabilities. Coupa serves large organizations with complex procurement needs across 167 countries and 124 currencies, with a G2 rating of 4.2/5 based on 557 reviews as of 2025.

ResolvePay's specialized B2B financing approach

ResolvePay takes a different approach. Founded in 2019 as a spin-off from Affirm, ResolvePay specializes in B2B BNPL, net terms financing, and AR automation for SMBs and mid-market businesses. The platform focuses on credit underwriting, non-recourse financing, and accounts receivable automation. ResolvePay has served over 12,000 businesses across industries, with particular strength in manufacturers, wholesalers, and B2B e-commerce merchants.

The fundamental difference lies in philosophy: Coupa Pay manages enterprise spending, while ResolvePay accelerates seller cash flow with risk-free financing.

Core features show distinct strategic focuses

Coupa Pay's comprehensive platform capabilities

Coupa Pay's feature portfolio spans the entire procure-to-pay cycle:

Comprehensive procurement management and vendor onboarding
Accounts payable automation and invoice matching
Virtual card payments with rebate programs
Global payments across 167 countries and 124 currencies
Spend analytics and forecasting
Enterprise-grade ERP integrations with SAP and Oracle

This comprehensive approach serves large enterprises with complex procurement infrastructure requirements.

ResolvePay's financing and AR automation strengths

ResolvePay's features focus on areas that directly influence seller cash flow and risk management:

Non-recourse financing with up to 100% invoice advances within 24-48 hours
AI-powered credit decisions delivering approvals in seconds
White-label payment portals accepting ACH, wire, credit card, and check
Native e-commerce integrations with Shopify, BigCommerce, Magento, and WooCommerce
Automated AR workflows reducing manual work by up to 90%
Free business credit checks requiring only company name and address

This specialization enables deeper expertise in B2B financing and working capital optimization, critical capabilities for SMBs and mid-market businesses operating with tight cash flow margins. According to Federal Reserve research, working capital constraints are among the top challenges facing small and mid-sized businesses.

Comparing financing and cash flow capabilities

While Coupa Pay focuses on payment processing and spend management, ResolvePay delivers 24-48 hour cash advances with 100% non-recourse protection. This financing capability addresses a critical need for SMBs and mid-market businesses: converting receivables into immediate working capital without balance sheet risk.

Pricing models reflect different value propositions

Coupa Pay's enterprise pricing structure

Coupa Pay's pricing structure reflects its enterprise positioning:

Custom quotes only with no published pricing
Enterprise pricing estimated around $2,500+ USD monthly
Median enterprise contract value of approximately $93,370+ USD annually
Significant implementation costs
Professional services typically required for deployment

ResolvePay's transparent pricing approach

ResolvePay's pricing structure emphasizes transparency and accessibility:

Competitive published fees starting at 3.15% for 30-day net terms
No monthly minimums or hidden costs
Usage-based pricing aligned with business volume
Minimal implementation costs with days-long setup
All features included in the base pricing

This pricing structure makes ResolvePay accessible for SMBs and mid-market businesses that need financing solutions without substantial upfront financial commitments. For businesses with $500K USD annual invoice volume, ResolvePay's usage-based model provides budget predictability and alignment with actual business activity.

Target customers reveal strategic alignment differences

Coupa Pay's enterprise customer profile

Coupa Pay primarily serves large enterprises with complex procurement needs. Their ideal clients are organizations with extensive supplier networks, global operations, and sophisticated spend management requirements requiring comprehensive procurement infrastructure.

ResolvePay's SMB and mid-market focus

ResolvePay targets SMBs and mid-market B2B businesses that have established sales but face cash flow challenges and credit risk concerns. These organizations typically have $1M+ USD annual B2B revenue and need to offer net terms to remain competitive while protecting their cash flow. Notable clients include manufacturers, wholesalers, and B2B e-commerce merchants across industries. You can explore their customer success stories to see detailed results across various B2B verticals.

This distinction matters significantly. SMBs and mid-market businesses often prioritize risk-free financing and cash flow acceleration over comprehensive procurement infrastructure. ResolvePay's model addresses these specific needs with specialized capabilities.

Implementation and time-to-value demonstrate execution speed advantages

Coupa Pay's enterprise implementation approach

Coupa Pay's implementation reflects enterprise complexity:

Weeks-to-months deployment timeline
Professional services typically required for setup
Complex ERP integration processes
Extensive training and change management
Timeline: Full value realization measured in months

ResolvePay's rapid deployment model

ResolvePay's implementation emphasizes speed and simplicity:

Days-long setup process
Self-service onboarding with dedicated support
Native e-commerce and accounting integrations
Minimal training required
Timeline: Cash advances available within 24-48 hours

The speed difference matters for businesses facing immediate cash flow needs. ResolvePay's rapid implementation enables businesses to access working capital quickly, supporting growth opportunities and operational requirements.

Risk management approaches define fundamental operational differences

Coupa Pay's payment processing risk model

Coupa Pay's risk approach centers on payment processing:

Payment processing and transaction management
Merchants retain credit and bad debt risk
Focus on payment security and fraud prevention
Risk management centered on payment processing security

ResolvePay's non-recourse financing protection

ResolvePay's risk approach provides comprehensive protection:

100% non-recourse financing transferring credit risk away from merchants
ResolvePay assumes the majority risk of late payments or defaults
Credit underwriting by experts formerly of Amazon and PayPal
Proprietary AI models evaluating thousands of buyer data points
Comprehensive risk management from credit decision through collections

The risk management difference is fundamental: ResolvePay's non-recourse financing eliminates bad debt risk entirely, transferring credit exposure to ResolvePay. For SMBs and mid-market businesses without dedicated credit teams, this risk transfer provides valuable protection and enables confident net terms offers without balance sheet impact.

E-commerce and integration capabilities show different strengths

Coupa Pay's enterprise integration approach

Coupa Pay's integration strategy focuses on enterprise systems:

Enterprise ERP integrations with SAP, Oracle, and Dynamics
E-commerce capabilities oriented toward procurement
Professional services available for customization
Focus on procurement and AP automation
Global payment infrastructure across 167 countries

ResolvePay's B2B e-commerce specialization

ResolvePay's integration approach emphasizes B2B e-commerce:

Native e-commerce integrations with Shopify, BigCommerce, Magento, and WooCommerce
Accounting software integrations with QuickBooks and NetSuite
2025 BigCommerce Innovative Integration Award winner
Self-service setup with flexible APIs
Focus on AR automation and seller financing

For B2B e-commerce businesses, ResolvePay's specialized integrations provide significant value. The BigCommerce B2B Edition integration enables embedded net terms at checkout, while Shopify integration delivers instant credit decisions during the buying process. These capabilities directly support B2B e-commerce growth by removing friction from the buying experience.

Customer satisfaction and support experiences

Coupa Pay's customer feedback

Coupa Pay receives mixed reviews regarding support and implementation. Some users report that implementation can be complex and time-consuming. User feedback indicates varying experiences with the platform's learning curve and support responsiveness.

ResolvePay's customer experience

ResolvePay earns strong customer satisfaction scores:

5/5 ratings on BigCommerce with customers consistently mentioning ease of use
Support described as "outstanding—responsive, knowledgeable, genuinely invested" in customer reviews
"Incredibly easy to use, fast, and reliable" mentioned consistently in BigCommerce reviews
"Allows our company to grow in revenue" noted in customer testimonials
Dedicated support included at no additional cost

The customer satisfaction patterns reflect ResolvePay's SMB-friendly approach, emphasizing ease of use, responsive support, and immediate business impact.

ResolvePay's value proposition for SMBs and mid-market B2B businesses

SMBs and mid-market B2B businesses face unique challenges that align with ResolvePay's specialized capabilities. These companies typically need risk-free financing, cash flow acceleration, and simplified AR management rather than comprehensive procurement infrastructure.

ResolvePay's key differentiators

ResolvePay delivers several distinctive capabilities:

Risk elimination through non-recourse financing: ResolvePay's 100% non-recourse financing transfers credit risk away from merchants. This protection enables businesses to confidently offer net terms without balance sheet impact or bad debt exposure.

Cash flow acceleration for growth: 24-48 hour cash advances transform DSO from 30-90 days to approximately 1 day, providing immediate working capital for growth initiatives and operations. This acceleration addresses the working capital challenges that Federal Reserve research identifies as critical for SMB growth.

Transparent, predictable pricing: Competitive published fees starting at 3.15% for 30-day net terms provide budget predictability and eliminate pricing uncertainty common with custom-quote models.

Rapid implementation and time-to-value: Days-long setup enables immediate value realization, allowing businesses to access cash flow improvements quickly rather than waiting weeks or months.

B2B e-commerce specialization: Native integrations with leading B2B e-commerce platforms deliver embedded net terms at checkout, directly supporting online sales conversion and growth.

For SMBs and mid-market B2B businesses seeking cash flow acceleration and risk-free net terms, ResolvePay represents a specialized approach to B2B payments. The combination of non-recourse financing, competitive transparent pricing, rapid implementation, and e-commerce specialization creates a focused value proposition for businesses prioritizing working capital optimization.

Frequently Asked Questions

What specific types of B2B businesses benefit most from ResolvePay's financing approach?

ResolvePay excels with SMBs and mid-market B2B businesses that have $1M+ USD annual B2B revenue and need to offer net terms while protecting cash flow. These companies include manufacturers, wholesalers, distributors, and B2B e-commerce merchants who face credit risk concerns and cash flow constraints. ResolvePay's non-recourse financing, rapid cash advances, and simplified AR automation address the specific needs of businesses seeking to accelerate cash flow, eliminate bad debt risk, and support B2B e-commerce growth with embedded net terms.

How does ResolvePay's implementation timeline enable faster cash flow improvement?

ResolvePay operates on accelerated timelines with immediate cash flow impact—implementation takes days with 24-48 hour cash advances available upon launch. Typical deliverables include instant credit decisions, automated AR workflows, and same-week cash flow improvement. This rapid deployment enables businesses to access working capital quickly, transforming DSO from 30-90 days to approximately 1 day through upfront advances.

What are the cost considerations for ResolvePay's financing service?

ResolvePay offers usage-based pricing with competitive published fees starting at 3.15% for 30-day net terms, with no monthly minimums, hidden costs, or implementation fees. The pricing structure aligns with actual business volume, providing budget predictability. All features including non-recourse protection, AR automation, and dedicated support are included in the base pricing without additional charges.

How does ResolvePay's non-recourse financing protect B2B sellers from credit risk?

ResolvePay provides 100% non-recourse financing, meaning Resolve assumes credit risk and bad debt exposure. If a buyer defaults, ResolvePay absorbs the loss while the seller keeps their advance payment. This protection is included in the standard fee structure with no additional costs. For SMBs without dedicated credit teams, this risk elimination provides valuable protection that enables confident net terms offers without balance sheet impact.

What e-commerce integration capabilities does ResolvePay offer for B2B online sellers?

ResolvePay offers native integrations with leading B2B e-commerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. These integrations enable embedded net terms at checkout with instant credit decisions, directly supporting online sales conversion and average order value growth. ResolvePay won the 2025 BigCommerce Innovative Integration Award for its B2B Edition integration, which seamlessly incorporates financing into the checkout experience.

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.