ResolvePay vs Hokodo

When B2B businesses need to offer net terms while protecting cash flow and eliminating credit risk, choosing the right payment platform becomes a strategic decision. Two solutions—ResolvePay and Hokodo—represent different approaches to B2B net terms and accounts receivable automation. ResolvePay delivers a comprehensive, US-optimized platform with transparent pricing, complete risk elimination, and industry-leading advance rates, while Hokodo focuses on pan-European B2B BNPL services. According to the U.S. Small Business Administration, effective payment terms management is critical for maintaining healthy cash flow in B2B operations. This comparison reveals why ResolvePay's domestic focus and operational excellence make it an ideal choice for US-based businesses seeking to scale their B2B sales.

Key Takeaways

• ResolvePay offers transparent pricing at 3.15% USD on 30-day net terms with up to 100% advance rates, providing clarity for financial planning and ROI calculations
• US-based B2B businesses benefit from ResolvePay's domestic optimization, 2-4 week implementation timeline, and complete non-recourse protection that eliminates credit risk
• ResolvePay delivers documented customer outcomes including significant revenue growth across multiple industries, with verified case studies showing measurable business impact
• ResolvePay's white-label buyer portal preserves customer relationships and brand integrity, ensuring your buyers interact with your brand throughout the payment experience
• For businesses seeking a transparent and US-optimized B2B payment solution, ResolvePay's combination of risk elimination, cash flow acceleration, and proven results delivers comprehensive value

Understanding each company's core positioning

ResolvePay positions itself as the specialized B2B payments platform for US businesses, combining embedded credit expertise, invoice financing, and payments into a single solution. Founded in 2019 and spun out from Affirm in 2019, ResolvePay has built its reputation on the principle that "embedded payments are the future of B2B commerce." Trusted by 12,000+ B2B businesses, helping them grow B2B sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payments processes. ResolvePay's guiding product vision is simple, relational, and embedded—focusing specifically on US market needs and compliance requirements.

Hokodo takes a different approach, positioning itself as a pan-European B2B BNPL provider with operations across multiple European markets, including the UK and France. Founded in 2018 and headquartered in London, Hokodo raised $40 million in Series B funding in 2022. The company focuses on providing digital trade credit solutions across European markets, with innovative features like trade account consolidation and omnichannel payment capabilities across online, in-store, and telesales channels.

The fundamental difference lies in geographic focus and specialization: ResolvePay specializes in the US market with deep understanding of domestic regulations, business practices, and payment preferences, while Hokodo concentrates on European market coverage and regulatory compliance across multiple EU jurisdictions.

Service offerings show distinct strategic focuses

ResolvePay's comprehensive service portfolio

ResolvePay's service portfolio spans the entire B2B payment lifecycle:

• B2B Net Terms with instant credit decisions and up to 100% advance rates
• AI-powered accounts receivable automation with automated invoicing, reconciliation, and collections
• Free business credit checks requiring only business name and address
• White-label payment portal accepting ACH, wire, credit card, and check payments
• Seamless integrations with QuickBooks, Shopify, BigCommerce, and other platforms
• Complete non-recourse financing protecting merchants from credit risk

This comprehensive approach ensures US businesses can offer net terms without taking on financial risk while maintaining brand integrity and customer relationships. The platform's focus on AR automation addresses a critical pain point—McKinsey research shows that B2B payment inefficiencies cost businesses significant time and resources in manual reconciliation and collections processes.

Hokodo's European-focused services

Hokodo's services focus on European B2B BNPL capabilities:

• Instant credit decisions with real-time approval
• Payment terms of 30, 60, or 90 days plus installment options
• Trade account consolidation for monthly billing
• Omnichannel support across online, in-store, and telesales
• Lloyd's of London-backed fraud protection
• Full risk assumption for credit, fraud, and collections

Hokodo's trade account consolidation feature is particularly innovative for European businesses with multiple buyers across different entities, allowing consolidated monthly invoicing that simplifies buyer reconciliation processes.

Pricing models reflect different value propositions

ResolvePay's transparent pricing

The pricing structures reveal each company's approach to transparency and merchant value.

ResolvePay's pricing structure:

• Transparent flat fee of 3.15% USD on 30-day net terms
• No hidden fees, setup charges, or monthly minimums
• Advance rates of 50%, 75%, or 90% upfront on approved invoices
• Credit card fees may be passed to buyers through the online payment portal
• Clear pricing allows accurate ROI calculations before implementation

ResolvePay's transparent pricing model represents a significant advantage for US businesses. The ability to calculate exact costs and ROI before implementation eliminates pricing uncertainty and builds trust. This transparency aligns with broader B2B payment trends—Federal Reserve data shows that payment cost visibility is increasingly important for business financial planning.

Hokodo's custom pricing approach

Hokodo's pricing structure uses a custom model:

• Pricing tailored to individual merchant needs
• Merchants paid upfront minus service fees
• Pricing determined during sales consultation process
• Fee structure varies based on terms length and buyer risk profile

The custom pricing approach allows flexibility for different business models but requires direct consultation to understand total costs.

Target customers reveal strategic alignment

ResolvePay's US B2B focus

ResolvePay primarily serves US-based B2B businesses with approximately $1 million or more in annual B2B revenue. The platform is ideal for manufacturers, distributors, wholesalers, and other B2B sellers who need to offer net terms while protecting cash flow and eliminating credit risk. ResolvePay's US market optimization ensures compliance with domestic regulations and buyer behavior patterns, making it particularly suitable for businesses that operate primarily within the United States.

Hokodo's European market specialization

Hokodo targets European B2B businesses across the UK, France, and Lithuania. The company serves merchants who need pan-European coverage and regulatory compliance across multiple jurisdictions. Hokodo's strength lies in navigating the complex regulatory environment across different European countries and providing unified payment experiences across diverse markets.

This geographic distinction matters significantly for operational efficiency. US businesses benefit from a partner that understands domestic regulations, payment preferences, and business practices specific to the American market.

Results and case studies demonstrate execution reliability

ResolvePay's documented customer outcomes

ResolvePay showcases specific, quantified results from named customers:

• ConEquip: Achieved significant year-over-year growth through net terms expansion
• Archipelago: Tripled their revenue through Resolve integration
• SSSI: Achieved 5x revenue growth with Resolve support

These documented results demonstrate ResolvePay's ability to deliver sustained growth and operational improvements across different B2B industries. The case studies include specific metrics and implementation details that help prospective customers understand the platform's impact.

Hokodo's European market results

Hokodo reports strong conversion and order value improvements:

• Average conversion rate increases across client base
• Order value uplifts through extended payment terms
• Increased purchase frequency from buyers using net terms
• Strong customer testimonials from European merchants

These results reflect Hokodo's effectiveness in European markets where extended payment terms and BNPL options are increasingly common purchasing preferences.

Methodology and approach define the engagement experience

ResolvePay's US-optimized methodology

ResolvePay's methodology centers on comprehensive B2B payment solutions with US market optimization. The platform combines AI-powered credit decisions with human expertise from former Amazon, PayPal, and Fortune 500 professionals to deliver deeper credit insights than traditional bureaus. ResolvePay's approach includes:

• Proprietary AI models evaluating thousands of buyer data points for dynamic credit decisions
• "Quiet credit checks" requiring only business name and address
• Complete AR automation with AI agents managing workflows and payment reminders
• White-label payment portal maintaining merchant branding
• Seamless integration with existing tech stacks through pre-built connectors

The white-label approach is particularly valuable for B2B businesses where customer relationships are long-term and brand integrity is essential. Unlike platforms that redirect buyers to third-party checkout experiences, ResolvePay's portal keeps all interactions under the merchant's brand.

Hokodo's European regulatory approach

Hokodo's approach emphasizes European regulatory compliance and omnichannel capabilities:

• API-first integration with hosted checkout options for rapid deployment
• Trade account consolidation for simplified buyer reconciliation
• True omnichannel support across online, in-store, and telesales channels
• Lloyd's of London-backed risk protection

The trade account consolidation feature addresses a specific European business need where buyers often have multiple purchasing entities that need consolidated billing.

Team structure and expertise concentration

ResolvePay's US payments expertise

ResolvePay's team structure leverages deep expertise in US B2B payments:

• Experts formerly from Amazon, PayPal, and Fortune 500 companies
• Specialized focus on US market regulations and business practices
• Dedicated support teams for onboarding and ongoing assistance
• AI-powered systems enhanced by human credit expertise
• Continuous platform development and feature enhancement

Hokodo's European market knowledge

Hokodo's structure focuses on European market coverage:

• Team with expertise in UK, French, and Lithuanian regulatory compliance
• Pan-European operational capabilities
• Specialized knowledge of European payment preferences and business practices

The geographic expertise difference ensures each platform can effectively serve its target market's specific needs and regulatory requirements.

Market presence and credibility show complementary strengths

ResolvePay's US market position

ResolvePay's market presence reflects its US-focused growth:

• Over 15,000 businesses served with billions in credit processed
• Significant funding including rounds led by Initialized Capital and Insight Partners
• Deep integrations with leading US platforms like QuickBooks, Shopify, and BigCommerce
• Documented case studies with specific, quantified results
• Ongoing platform development and feature enhancement

Hokodo's European footprint

Hokodo's market presence shows European strength:

• $40 million Series B funding supporting growth
• Pan-European regulatory compliance across UK, France, and Lithuania
• Strong presence in European B2B BNPL market
• Innovative features like trade account consolidation and in-store payments

Both companies have established credibility within their respective geographic markets, with funding, customer bases, and regulatory compliance appropriate to their focus areas.

Why ResolvePay delivers comprehensive value for US B2B businesses

US B2B businesses face unique challenges that make ResolvePay particularly well-suited for their needs. These companies require a partner that understands domestic regulations, payment preferences, and business practices while providing transparent pricing and operational excellence.

Key advantages of ResolvePay's approach

Geographic optimization: ResolvePay's US-only focus ensures compliance with domestic regulations and alignment with local business practices. The platform understands American buyer behavior, payment preferences, and business cycles that differ from European markets.

Transparent pricing: ResolvePay's 3.15% USD fee on 30-day net terms allows accurate ROI calculations and eliminates pricing uncertainty. This transparency enables businesses to model costs precisely before implementation and build pricing into their financial planning.

Complete risk elimination: ResolvePay's 100% non-recourse financing on approved invoices means merchants retain all cash advances regardless of buyer payment behavior, providing complete protection against credit risk. This is particularly valuable for growing businesses that cannot afford bad debt exposure.

Industry-leading advance rates: Up to 100% advance rates maximize immediate cash flow, allowing businesses to fund operations, purchase inventory, and invest in growth without waiting for customer payments.

Brand preservation: ResolvePay's white-label payment portal maintains merchant branding and customer relationships throughout the payment experience. For B2B businesses where relationships are critical, this ensures customers interact exclusively with the merchant brand rather than being redirected to third-party payment pages.

For US B2B businesses seeking a transparent and domestically-optimized payment solution, ResolvePay represents a comprehensive approach to B2B net terms and accounts receivable automation. The combination of US market specialization, transparent pricing, and proven customer outcomes creates a compelling value proposition for American businesses looking to scale their B2B operations.

Frequently Asked Questions

What is the primary difference between ResolvePay and traditional factoring?

ResolvePay offers 100% non-recourse financing on approved invoices, meaning cash advances are always yours to keep regardless of buyer payment behavior. Traditional factoring is typically recourse-based, leaving merchants liable for unpaid invoices. Additionally, ResolvePay provides transparent pricing at 3.15% USD on 30-day net terms with no hidden fees, while factoring often involves complex fee structures with monthly minimums and setup charges. ResolvePay also includes complete AR automation with AI-powered invoicing, reconciliation, and collections, eliminating the manual processes typically associated with traditional factoring.

How does ResolvePay's AI-powered credit assessment work and what information is needed?

ResolvePay's proprietary AI models evaluate thousands of buyer data points beyond traditional credit scores to generate dynamic, scalable credit decisions in real time. The platform requires only the customer's business name and address to perform "quiet credit checks" that don't impact the buyer's credit score. This streamlined approach delivers instant credit decisions while maintaining buyer privacy and minimizing friction in the approval process. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—enhance the AI models with human expertise to deliver deeper credit insights than traditional bureaus.

Can ResolvePay integrate with my existing accounting and e-commerce platforms?

Yes, ResolvePay offers seamless integration with leading accounting and e-commerce platforms including QuickBooks, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. The platform's pre-built integrations enable 2-4 week implementation timelines, significantly faster than traditional enterprise solutions. Resolve automatically records and syncs all transactions to QuickBooks, ensuring real-time data accuracy and eliminating manual reconciliation work. The flexible API also allows integration with any custom e-commerce implementation, ensuring compatibility with your existing tech stack.

What are the typical fees associated with ResolvePay's net terms offerings?

ResolvePay offers transparent pricing with a flat fee of 3.15% USD on 30-day net terms. There are no hidden fees, setup charges, or monthly minimums, allowing accurate ROI calculations before implementation. Credit card fees may be passed on to buyers through the online payment portal, further reducing merchant costs. This transparent pricing model enables businesses to model costs precisely and build them into financial planning without surprises.

Does ResolvePay take on the risk of non-payment from my customers?

Yes, ResolvePay provides 100% non-recourse financing on approved invoices, meaning you retain all cash advances regardless of buyer payment behavior. Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults. The platform manages the entire credit approval, underwriting, and collections process, allowing businesses to offer net terms while protecting cash flow and eliminating bad debt risk. This complete risk elimination is a fundamental advantage over traditional factoring and recourse-based financing options.

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.