ResolvePay vs HighRadius: Which B2B Payment Solution is Right for Your Business?

When B2B businesses need to streamline their accounts receivable processes and offer competitive net payment terms, choosing between payment platforms becomes a critical decision. Two prominent options—ResolvePay and HighRadius—represent fundamentally different approaches to B2B payments and credit management. HighRadius specializes in accounts receivable automation for enterprise clients, while ResolvePay combines embedded credit expertise, non-recourse invoice financing, and payments into a single platform that can pay you within 1–2 business days for approved invoices, while buyers pay on Net 30/60/90 terms. This comparison reveals why ResolvePay's integrated financing approach can be a strong fit for mid-market B2B businesses that need immediate cash flow, zero credit risk, and rapid deployment.

Key Takeaways

• ResolvePay provides 100% non-recourse financing with 1-2 day payment to merchants, addressing the critical cash flow challenges that many mid-market businesses face
• Mid-market B2B businesses benefit from ResolvePay's integrated approach, typically seeing results within hours to days compared to longer enterprise implementation timelines
• ResolvePay charges a transparent 3.15% fee on 30-day net terms with 100% advance, while HighRadius offers custom-quoted annual subscriptions based on module selection and business size
• For companies needing to compete on payment terms without straining working capital, ResolvePay's integrated financing model provides immediate working capital access
• ResolvePay's native e-commerce integration and white-label payment portal make it ideal for modern B2B sellers, while HighRadius serves Fortune 500 enterprises with comprehensive AR automation needs

Understanding each company's core positioning

HighRadius positions itself as an enterprise accounts receivable automation platform, offering comprehensive AR solutions for large corporations with complex operations. Founded in 2006 and serving 1,100+ customers globally, including 200+ Global 2000 companies, HighRadius has built its reputation on advanced AI-powered automation for credit management, cash application, collections, and deductions management. The platform focuses on optimizing AR processes through technology and automation.

ResolvePay takes a different approach, addressing both process automation and financing needs simultaneously. Launched in 2019 as an Affirm spinout, ResolvePay specializes in integrated B2B payments, credit, and financing for mid-market businesses. Resolve has reported extending purchasing credit to about 12,000 business buyers (middle market) in public commentary, with a comprehensive solution that includes instant credit decisions, 100% non-recourse financing, and immediate payment to merchants. According to Federal Reserve research, B2B payment innovation has become increasingly important as businesses seek to improve cash flow and reduce payment friction.

The fundamental difference lies in philosophy: ResolvePay integrates accounts receivable automation with immediate financing and payment acceleration, providing both process efficiency and working capital solutions in a single platform.

Service offerings show distinct strategic focuses

HighRadius's comprehensive AR automation suite

HighRadius's service portfolio spans comprehensive AR automation with capabilities including:

• Advanced AI-powered credit management and risk scoring
• Cash application automation with high auto-matching rates
• Collections management and workflow automation
• Deductions management for retail/CPG industries
• Predictive analytics and forecasting
• E-invoicing and payment processing

This comprehensive approach serves large enterprises with dedicated AR teams and complex operational requirements.

ResolvePay's integrated payment and financing solution

ResolvePay's services focus on solving the core B2B payment challenges while accelerating cash flow:

• B2B Net Terms with 100% non-recourse financing
• AI-powered AR automation with automated invoicing and collections
• Instant business credit checks with 24-hour turnaround
• Branded payment portals accepting ACH, wire, credit card, and check
• Native e-commerce integration for Shopify, BigCommerce, and WooCommerce
• Advance payments up to 100% within 1-2 business days

The integrated approach allows businesses to offer competitive net terms while accessing immediate working capital. According to the U.S. Chamber of Commerce, cash flow challenges remain one of the top concerns for small and mid-sized businesses, making immediate payment solutions particularly valuable.

For example, ResolvePay typically deploys in hours to days and pays merchants within 1-2 business days, enabling businesses to offer net terms while maintaining positive working capital. This speed advantage can be crucial for mid-market businesses with immediate working capital needs.

Pricing models reflect different value propositions

The pricing structures reveal each company's target market and service philosophy.

HighRadius's enterprise pricing model

HighRadius offers custom-quoted annual subscriptions based on module selection and business size, with enterprise-level pricing tailored to each organization. Implementation typically involves professional services, training, and support as part of the overall engagement. The timeline for implementation is typically 3-6 months depending on scope and complexity.

ResolvePay's transparent transaction-based pricing

ResolvePay's pricing structure emphasizes simplicity and alignment with transaction value:

• Transparent 3.15% fee on 30-day net terms with 100% advance
• No upfront costs or implementation fees
• Hours to days deployment timeline
• 100% non-recourse financing eliminates bad debt risk
• Immediate payment within 1-2 business days

This pricing structure makes ResolvePay particularly accessible for mid-market businesses that need immediate cash flow without large capital commitments. The transaction-based model means costs scale directly with usage, providing predictability and eliminating fixed overhead during slower periods.

Target customers reveal strategic alignment differences

HighRadius's enterprise focus

HighRadius primarily serves large enterprises and Fortune 500 companies with complex AR operations. Their ideal clients have dedicated AR teams, high transaction volumes, and sophisticated requirements like deductions management for retail/CPG industries. These organizations typically prioritize comprehensive process automation and system integration with enterprise ERPs like SAP, Oracle, and Microsoft Dynamics.

ResolvePay's mid-market specialization

ResolvePay targets mid-market B2B businesses with $1M+ annual B2B revenue that need to compete on payment terms without straining working capital. These organizations typically need to offer net terms to win business but require immediate access to cash from those invoices. Notable clients include companies like Lift Foils, ConEquip, and Archipelago that have achieved significant growth through ResolvePay's integrated solution.

This distinction matters significantly for companies evaluating their options. Mid-market businesses often need both AR automation and immediate cash flow access to compete effectively, making ResolvePay's integrated model particularly well-suited to their needs.

Results and case studies demonstrate different value propositions

Both companies showcase impressive results, but the nature and speed of these results reflect their different approaches.

HighRadius's enterprise automation achievements

HighRadius's case studies highlight enterprise-scale automation achievements including high cash application auto-matching rates, DSO reduction, and AR team efficiency improvements. Implementation timelines typically range from 2-3 months depending on scope and complexity.

ResolvePay's rapid cash flow transformation

ResolvePay's results emphasize immediate cash flow improvement and business growth enablement:

• Lift Foils scaled pre-season orders through access to immediate working capital
• ConEquip grew their net terms business significantly by offering competitive payment options
• Archipelago tripled their revenue through ResolvePay's integrated solution
• SDI Fire unlocked working capital and increased profit margins
• Timeline: Results delivered in hours to days after implementation

The speed difference is particularly important for businesses facing immediate competitive pressures or seasonal working capital needs. Research from Deloitte on accounts receivable optimization indicates that access to working capital can significantly impact business growth and competitiveness.

Methodology and approach define the engagement experience

HighRadius's comprehensive deployment approach

HighRadius's methodology centers on comprehensive AR automation deployment. Engagements involve discovery and configuration, followed by implementation with professional services teams over a 2-3 month period. They deploy their module suite across AR functions with dedicated support teams providing oversight. This approach serves enterprises with complex requirements and dedicated implementation resources.

ResolvePay's rapid value delivery model

ResolvePay's approach emphasizes rapid deployment and immediate value delivery:

• Self-service onboarding with native integrations that deploy in hours to days
• Resolve pays you upfront for approved net terms invoices
• 100% non-recourse financing enables businesses to offer net terms while getting paid immediately
• White-label payment portal maintains brand consistency while offering flexible payment options

The execution philosophy focuses on minimizing time-to-value. ResolvePay delivers immediate cash flow and risk elimination in days, enabling mid-market businesses to quickly respond to competitive pressures or growth opportunities.

Team structure and expertise concentration matter

HighRadius's enterprise organization

HighRadius operates as a large enterprise organization serving over 1,100 global clients with dedicated implementation and support teams. Their structure supports complex enterprise deployments with professional services capabilities.

ResolvePay's mid-market specialization

ResolvePay's structure emphasizes mid-market focus and customer experience:

• Focused mid-market specialization serving thousands of business clients
• Exceptional customer service consistently rated 5/5 across review platforms
• Self-service onboarding with rapid deployment capabilities
• Credit experts formerly of Amazon, PayPal, and Fortune 500 firms
• Direct support model

Customer feedback consistently highlights ResolvePay's responsive support and easy implementation. ResolvePay reviews frequently highlight fast, helpful customer support, reflecting the platform's commitment to mid-market client success.

Market presence and credibility show different strengths

HighRadius's enterprise credentials

HighRadius's market presence reflects its enterprise focus with over 1,100 global clients including Fortune 500 companies. The platform offers comprehensive AR automation with advanced AI capabilities and enterprise-grade integrations with SAP, Oracle, and Microsoft Dynamics, with proven performance at scale for complex global operations.

ResolvePay's mid-market track record

ResolvePay's credibility comes from demonstrated mid-market success:

• Serves thousands of mid-market business clients
• Consistently high review scores (5.0/5 on G2 and 5.0/5 on Capterra as of January 2026)
• Transparent, risk-free financing model
• Native e-commerce integration for modern B2B sellers
• Proven customer success stories across diverse industries

For mid-market businesses, ResolvePay's focused expertise and immediate value delivery align well with their need to solve cash flow and risk challenges quickly and effectively.

Why ResolvePay delivers superior value for mid-market B2B businesses

Mid-market B2B businesses face unique challenges that make ResolvePay's integrated approach particularly valuable. These companies need to compete on payment terms to win business, but require immediate access to cash flow to fund operations and growth.

Key advantages of ResolvePay's integrated approach

ResolvePay addresses multiple critical needs simultaneously:

• Immediate cash flow: Get paid in 1-2 business days instead of waiting 30-90 days. This transforms cash flow from negative to positive, enabling growth without straining working capital.
• Zero credit risk: 100% non-recourse financing eliminates all merchant credit risk on approved invoices. Businesses can offer net terms while receiving immediate payment with no bad debt exposure.
• Rapid deployment: Hours to days implementation enables immediate value delivery. This velocity matters immensely for businesses facing competitive pressures or seasonal demands.
• Transparent pricing: 3.15% USD fee on 30-day net terms with 100% advance provides predictable costs that scale with transaction volume, eliminating large fixed expenses.
• E-commerce native: Native integration with Shopify, BigCommerce, and WooCommerce enables B2B sellers to offer net terms at checkout, increasing conversion rates and average order values.

For mid-market B2B businesses seeking to compete on payment terms while maintaining healthy cash flow, ResolvePay represents an integrated approach to B2B payments. The combination of integrated financing, immediate payment, zero risk, and rapid deployment creates a compelling value proposition designed specifically for mid-market needs.

Frequently Asked Questions

What specific types of B2B businesses benefit most from ResolvePay's integrated payment and financing solution?

ResolvePay excels with mid-market B2B businesses with $1M+ annual B2B revenue that need to offer net terms to compete while requiring immediate access to cash flow. These companies typically benefit from being able to offer competitive payment terms without waiting 30-90 days for payment or bearing bad debt risk. Ideal ResolvePay clients include B2B e-commerce sellers, distributors, manufacturers, and service providers who need to increase sales through competitive payment terms while protecting cash flow. The platform's integrated financing model particularly benefits businesses experiencing growth, seasonal demand fluctuations, or competitive pressure to offer net terms.

How do the implementation timelines and payment acceleration differ between ResolvePay and HighRadius?

ResolvePay operates on accelerated timelines with immediate payment acceleration—deployment takes hours to days with native integrations and merchants get paid within 1-2 business days instead of waiting 30-90 days for customer payments. The self-service onboarding model ensures rapid value delivery with minimal disruption. HighRadius typically requires 2-3 months for implementation with professional services teams and focuses on process automation rather than payment acceleration. While HighRadius's comprehensive approach suits enterprises needing extensive AR transformation, ResolvePay's rapid deployment and immediate cash flow serve mid-market businesses facing urgent working capital needs.

What are the pricing differences between ResolvePay's transaction-based model and HighRadius's enterprise subscriptions?

ResolvePay offers transparent transaction-based pricing with a 3.15% USD fee on 30-day net terms with 100% advance, no implementation costs, and no monthly minimums. Costs scale directly with usage, providing predictability. For a business processing $1M USD monthly in net terms invoices, this equals approximately $378,000 USD annually, but includes immediate cash flow and zero credit risk. HighRadius offers custom-quoted annual subscriptions based on module selection and business size, with enterprise-level pricing tailored to each organization. The choice between these models often depends on whether a business needs integrated financing (ResolvePay) or comprehensive AR process automation (HighRadius).

How does ResolvePay's non-recourse financing eliminate credit risk for merchants?

ResolvePay provides 100% non-recourse financing, meaning merchants bear zero credit risk on approved invoices. ResolvePay handles credit assessment, underwriting, and collections, eliminating bad debt concerns entirely. When ResolvePay approves a customer for net terms and the merchant extends those terms, ResolvePay pays the merchant upfront (typically within 1-2 business days) and assumes all collection risk. If the customer fails to pay, the merchant has no obligation to repay ResolvePay. This allows businesses to offer net terms confidently while receiving immediate payment and complete protection from non-payment risk.

What integration capabilities and e-commerce support does ResolvePay offer for modern B2B sellers?

ResolvePay offers native integration with leading e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, enabling B2B sellers to offer net terms directly at checkout with instant credit decisions for purchases up to $25,000 USD. The platform also integrates with accounting systems like QuickBooks, Oracle NetSuite, and Sage Intacct for seamless financial operations. These native integrations deploy in hours to days and enable businesses to offer competitive B2B payment terms as smoothly as consumer payment options. The white-label payment portal maintains brand consistency while accepting multiple payment methods including ACH, wire transfer, credit card, and check.

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.