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.
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 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.
Coupa Pay's feature portfolio spans the entire procure-to-pay cycle:
This comprehensive approach serves large enterprises with complex procurement infrastructure requirements.
ResolvePay's features focus on areas that directly influence seller cash flow and risk management:
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.
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.
Coupa Pay's pricing structure reflects its enterprise positioning:
ResolvePay's pricing structure emphasizes transparency and accessibility:
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.
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 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.
Coupa Pay's implementation reflects enterprise complexity:
ResolvePay's implementation emphasizes speed and simplicity:
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.
Coupa Pay's risk approach centers on payment processing:
ResolvePay's risk approach provides comprehensive protection:
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.
Coupa Pay's integration strategy focuses on enterprise systems:
ResolvePay's integration approach emphasizes B2B e-commerce:
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.
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 earns strong customer satisfaction scores:
The customer satisfaction patterns reflect ResolvePay's SMB-friendly approach, emphasizing ease of use, responsive support, and immediate business impact.
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 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.
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.
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.
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.
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.
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.