ResolvePay vs Hokodo vs Melio: B2B Payment Solutions Compared in 2026

Resolve is the strongest option for US-based B2B suppliers who need net terms financing with full AR automation. Hokodo is the better choice for European merchants who want embedded B2B BNPL at checkout. Melio works best for small businesses that need a simple, low-cost bill payment tool. All three platforms serve B2B payments, but they solve fundamentally different problems. This guide compares their features, pricing, risk models, and ideal use cases so you can make the right decision for your business.

Key Takeaways

• Net Terms Financing: Resolve can advance up to 90% within 24 hours on approved invoices, with certain Resolve offerings also referencing up to 100% advances, making it a strong fit for US-based B2B suppliers that need to offer payment terms
• European Coverage: Hokodo provides pan-EU operations with multi-jurisdiction compliance, ideal for merchants selling across the UK, France, and broader EU markets
• Pricing Transparency: Resolve charges competitive non-recourse rates with no hidden costs, giving suppliers predictable per-transaction pricing
• Affordable Entry Point: Melio offers a free plan with 5 ACH payments per month, making it accessible for small businesses with basic payment needs
• Credit Risk Protection: Hokodo provides Lloyd's of London-backed credit and fraud insurance for European transactions
• AR Automation: Resolve delivers LLM-powered invoicing, reconciliation, and collections that reduce manual AR work by up to 90%
• Omnichannel Checkout: Hokodo supports online, in-store, and telesales payment options for European merchants
• Accounting Integration: Melio features two-way auto sync with QuickBooks and Xero for seamless bookkeeping
• Payment Flexibility for Buyers: Melio lets businesses pay vendors via ACH, card, check, and, for eligible accounts, pay bills over time in installments
• Implementation Speed: Melio offers same-day setup for businesses that need to start paying vendors immediately
• Advance Rate: Resolve provides up to 100% of invoice value within 24 hours, the highest in this comparison
• Flexible Term Lengths: Hokodo supports 14, 30, 45, 60, 90 days, or end-of-month terms

Quick Overview

Resolve 

Resolve is a B2B net terms financing and AR automation platform built by former Affirm and PayPal executives. The platform enables suppliers to offer net 30, 60, or 90 day terms to their B2B buyers while getting paid upfront — typically within one to two business days. Resolve's AI-powered credit engine approves buyers in seconds, and all financing is non-recourse, meaning the merchant keeps the advance even if a buyer defaults. Over 15,000 businesses use Resolve to shrink DSO from 60+ days to as little as one day. According to G2 reviews, Resolve consistently earns high marks for customer support and ease of implementation.

Hokodo

Hokodo is a pan-European B2B buy-now-pay-later platform founded in London in 2018. The platform integrates directly into merchant checkout flows to offer real-time credit decisions and flexible payment terms (14 to 90 days). Hokodo handles credit scoring, insurance, collections, and fraud protection in a single solution, backed by Lloyd's of London underwriting. The company has raised over $50 million in funding and partners with BNP Paribas for enterprise-scale deployments across the UK, France, and broader EU markets.

Melio

Melio is a bill payment and accounts payable platform based in New York, designed primarily for small businesses. The platform lets users pay vendors via ACH, credit card, debit card, or paper check, with two-way sync to QuickBooks and Xero. Melio offers a free tier with basic features and a paid plan starting at $25 per month. Melio focuses on simplifying outbound vendor payments, making it a popular tool for small business owners who want to streamline how they pay bills.

ResolvePay vs Hokodo vs Melio: Feature-by-Feature Comparison

ResolvePay vs Hokodo vs Melio: Pricing Comparison

Total Cost of Ownership Analysis

Resolve charges a competitive percentage per transaction that covers credit decisioning, financing, collections, and non-recourse protection. The merchant receives payment within one to two days instead of waiting 30 to 90 days. The ROI of one-day funding typically far exceeds the transaction fee. Per Investopedia's analysis of invoice financing, the true cost of waiting 30-90 days for payment often exceeds the financing fee when you factor in opportunity costs and working capital constraints.

Hokodo uses custom pricing that varies by merchant volume, risk profile, and terms offered. The 0.25% to 1.5% invoice protection fee is competitive for European merchants, and the Lloyd's of London backing provides institutional-grade risk coverage. Merchants should factor in integration timelines for API-first deployment when evaluating total implementation costs.

Melio is the most affordable option on paper — free ACH payments and a $0/month plan. Melio is designed for straightforward vendor payment workflows, so businesses that also need net terms financing would pair Melio with a separate financing solution like Resolve for a complete stack.

Platform Strengths

Resolve

• Up to 100% advance rates — get paid upfront on approved invoices
• 100% non-recourse financing eliminates credit risk for the merchant
• AI credit decisions in seconds, accelerating buyer onboarding
• Full AR automation reduces manual work by up to 90%
• Transparent flat-fee pricing with no hidden costs
• White-label portal preserves brand experience throughout the payment process
• 15,000+ businesses trust the platform
• Founded by Affirm and PayPal veterans with deep fintech expertise
• Deep ERP integrations with bi-directional sync for QuickBooks, NetSuite, and e-commerce platforms
• Dedicated buyer credit lines up to $250K per account, supporting larger B2B transactions

Hokodo

• Pan-European coverage across multiple EU jurisdictions with localized compliance
• Lloyd's of London-backed credit and fraud insurance provides institutional-grade protection
• Flexible terms from 14 to 90 days plus end-of-month options
• Trade account consolidation simplifies monthly billing for repeat buyers
• Omnichannel support covers online, in-store, and telesales workflows
• Competitive invoice protection fees (0.25%-1.5%)
• BNP Paribas partnership adds enterprise credibility and scale
• Buyers pay zero fees, removing friction from the checkout experience
• Real-time credit scoring engine enables instant decisions at point of sale
• API-first architecture enables deep integration with existing e-commerce platforms

Melio

• Free plan available with 5 ACH payments per month — accessible for businesses of any size
• Extremely fast setup — same-day implementation with no technical integration required
• Strong QuickBooks and Xero integration with two-way sync for accurate bookkeeping
• Pay vendors any way they prefer (ACH, card, check) with flexible payment method options
• Agent Mel AI assistant for payment queries and scheduling
• 12-month installment option for buyer flexibility on larger purchases
• Low learning curve for non-technical teams
• Mobile-friendly interface for managing payments on the go
• Batch payment capabilities for processing multiple vendor bills at once

Who Should Choose Resolve

Choose Resolve if your business matches these criteria:

• US-based B2B supplier selling to other businesses on net terms
• $1M+ in annual B2B revenue and growing — Resolve scales with your business
• Cash flow is a bottleneck — you wait 30-90 days for buyer payments and need working capital faster to reinvest in inventory, hiring, and growth
• You want to offer net terms without the risk — Resolve's non-recourse financing means you get paid even if your buyer does not pay
• Manual AR is eating your team's time — Resolve's LLM-powered automation handles invoicing, reconciliation, and collections end-to-end
• You need to increase order values — businesses offering net terms see 30-60% higher average order values, according to industry data
• You want a branded experience — Resolve's white-label portal keeps your buyers in your brand ecosystem throughout the entire payment journey
• You are scaling your buyer base and need automated credit assessments to approve new accounts without adding headcount

Resolve is purpose-built for the problem most B2B suppliers face: you need to offer payment terms to win bigger orders, but you cannot afford to wait months for payment or absorb the credit risk. Get started with Resolve to see how it works for your business.

Who Should Choose Hokodo

Choose Hokodo if your business matches these criteria:

• European B2B merchant selling across the UK, France, or EU markets
• You need embedded BNPL at checkout — Hokodo integrates directly into your online store, point of sale, or telesales workflow to offer instant credit decisions
• Multi-jurisdiction compliance matters — Hokodo handles regulatory requirements across European markets, reducing your compliance burden
• You want insurance-grade protection — Lloyd's of London underwriting provides institutional-level credit and fraud insurance backed by centuries of risk management expertise
• Trade account consolidation is valuable — if your buyers prefer a single monthly bill rather than per-order invoicing, Hokodo streamlines that workflow
• You sell through multiple channels — Hokodo's omnichannel support (online, in-store, telesales) is broader than most B2B payment platforms, giving you flexibility in how you serve customers
• You want a partner with enterprise credibility — the BNP Paribas partnership makes Hokodo particularly strong for enterprise-scale European deployments

Hokodo is the strongest B2B BNPL option for European merchants who want to offer credit terms at the point of sale with comprehensive risk protection.

Who Should Choose Melio

Choose Melio if your business matches these criteria:

• Small business with straightforward vendor payment needs
• Budget is tight — the free plan covers basic bill payment without monthly fees
• You use QuickBooks or Xero and need seamless two-way accounting sync
• You handle payments directly — your buyers pay upfront or you manage credit informally
• Simplicity is a priority — you want to pay bills faster with a clean, intuitive interface
• Your team is non-technical — Melio requires zero developer resources to set up
• You need to pay vendors via credit card even when they only accept checks — Melio handles the conversion
• You manage batch payments — Melio's batch processing helps teams that pay multiple vendors on a regular schedule

Melio is a strong choice for small businesses that need to send payments to vendors more efficiently. For businesses that also need to offer net terms to their B2B buyers, pairing Melio with a financing platform like Resolve creates a complete accounts payable and accounts receivable stack.

Final Verdict

The right choice depends on your geography, business size, and the specific problem you are solving:

For US B2B suppliers who need net terms financing and AR automation, Resolve is the clear winner. The combination of instant credit decisions, up to 100% advance rates, non-recourse protection, and full AR automation makes it the most comprehensive platform for mid-market suppliers. You get paid in one to two days instead of waiting 30-90 days, and you eliminate credit risk entirely on approved invoices. Over 15,000 businesses have already made this switch, companies that automate AR and offer flexible payment terms see measurable improvements in customer retention and cash flow metrics.

For European merchants, Hokodo is the best B2B BNPL solution. Its pan-EU coverage, Lloyd's of London-backed insurance, and omnichannel checkout integration make it the go-to platform for offering trade credit across European markets. Hokodo's regulatory expertise and BNP Paribas partnership are significant advantages for merchants selling across multiple EU jurisdictions.

For small businesses that need to pay vendors efficiently, Melio is a solid free option. Its simplicity, QuickBooks integration, and flexible payment methods make it the fastest way to modernize vendor payments. For growing businesses that need both vendor payments and buyer financing, combining Melio with Resolve covers both sides of the B2B payment equation.

The B2B payment landscape is evolving fast. The platforms that combine financing, risk management, and automation — rather than just moving money — are the ones driving real revenue growth for their merchants.

See how Resolve works — offer net terms to your B2B buyers, get paid upfront, and let AI handle your accounts receivable.

Frequently Asked Questions 

What is the main difference between Resolve, Hokodo, and Melio?

Resolve provides net terms financing and AR automation for US B2B suppliers — you offer buyers net 30/60/90 terms and get paid upfront. Hokodo offers embedded B2B BNPL for European merchants at checkout with Lloyd's of London-backed risk coverage. Melio is a bill payment platform for small businesses that simplifies paying vendors with strong QuickBooks and Xero integrations. Each platform serves a distinct segment of the B2B payment market.

Can I use Resolve and Melio together?

Yes. Resolve handles the accounts receivable side (offering net terms and getting paid upfront), while Melio handles accounts payable (paying your vendors). Some businesses use Resolve to accelerate cash flow from customers and Melio to manage outbound vendor payments. They serve complementary functions and together create a comprehensive B2B payment stack covering both AR financing and AP management.

Does Hokodo work for US-based businesses?

Hokodo currently operates exclusively in European markets, primarily the UK, France, and broader EU. US-based businesses looking for B2B BNPL or net terms solutions should consider Resolve, which is purpose-built for the US market and offers similar instant credit decisioning and risk protection tailored to domestic B2B transactions.

Which platform is most affordable for B2B payments?

Melio has the lowest upfront cost with its free plan offering 5 ACH payments per month at no charge, making it the most accessible option for basic vendor payments. For net terms financing, Hokodo's invoice protection fees (0.25%-1.5%) and Resolve's competitive rates reflect a different pricing model — Resolve includes higher advance rates and full non-recourse protection in its fee. The true cost comparison depends on whether you factor in the cost of waiting 30-90 days for payment versus getting paid in one day, as noted by Investopedia's analysis of trade credit costs.

What does non-recourse financing mean, and why does it matter?

Non-recourse financing means the financing provider (Resolve) assumes the credit risk on approved invoices. If your buyer fails to pay, you keep the advance — Resolve absorbs the loss. This is fundamentally different from traditional factoring, where the merchant may be required to buy back unpaid invoices under recourse clauses. Hokodo offers similar protection through Lloyd's of London-backed insurance for European transactions. Per NerdWallet's guide to invoice financing, understanding the distinction between recourse and non-recourse is one of the most important factors when evaluating B2B financing options.

How long does implementation take for each platform?

Melio is the fastest — same-day setup with no technical integration required, making it ideal for small businesses that want to start immediately. Resolve typically takes 2-4 weeks for full deployment, including ERP integration and credit engine configuration, though basic functionality can be up and running sooner. Hokodo's API-first approach enables deep checkout integration, with timeline varying based on checkout complexity, channels, and existing technical infrastructure.

Which platform is best for mid-market B2B companies?

Resolve is designed specifically for mid-market B2B suppliers with $1M or more in annual B2B revenue. The platform combines net terms financing, AI credit decisions, and AR automation into a single solution that scales with growing businesses. Hokodo serves mid-market European merchants well with its embedded checkout and insurance-backed credit. Melio is best suited for smaller businesses with simpler payment needs, though its paid plans add features useful for growing teams.

How do these platforms handle international payments?

Each platform has a distinct geographic focus. Resolve serves US-based B2B suppliers and their domestic buyer networks. Hokodo specializes in pan-European transactions across multiple EU jurisdictions with localized compliance. Melio is US-focused but allows businesses to pay international vendors through its platform.

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.