When B2B businesses need to streamline their payment processes and offer competitive net terms, choosing the right platform becomes critical. Two options often considered—ResolvePay and Invoice2go—represent fundamentally different approaches to business payments. Invoice2go serves as a simple invoicing tool for freelancers and small service providers, while ResolvePay functions as a comprehensive B2B payments platform that embeds credit, payments, and liquidity into a single infrastructure. This comparison reveals why ResolvePay's integrated approach delivers superior value for B2B businesses that need to accelerate cash flow, reduce risk, and grow revenue through strategic net terms offerings
Invoice2go positions itself as an easy-to-use invoicing application designed primarily for freelancers, consultants, and small service businesses. With a user base of approximately 225,000 small businesses, Invoice2go provides basic invoicing tasks, time tracking, and expense management. The platform offers a highly rated mobile app and includes a free bank account with debit card option.
ResolvePay takes a different approach, targeting B2B businesses with $1M+ annual revenue that need sophisticated payment solutions. Founded in 2018 by former Amazon and PayPal executives, ResolvePay combines the resources needed for B2B commerce into a single platform: embedded credit expertise, embedded invoice financing, and embedded payments. The platform serves over 12,000 B2B businesses across industries including manufacturing, wholesale distribution, and construction supplies.
The fundamental difference lies in purpose: Invoice2go helps you create and send invoices, while ResolvePay transforms how you manage your entire B2B payment lifecycle. For businesses seeking to scale beyond basic invoicing, ResolvePay offers comprehensive payment infrastructure with a "credit team" on tap that handles underwriting, collections, and risk management while you focus on growth.
Invoice2go provides standard invoicing functionality with basic payment tracking and reminder features. The platform allows businesses to send professional invoices and accept various payment methods including credit cards, PayPal, and bank transfers.
According to research from the U.S. Chamber of Commerce, extended payment terms have become a critical competitive factor in B2B sales. ResolvePay's approach enables businesses to offer net 30, 60, or 90-day terms with confidence, backed by credit experts formerly of Amazon, PayPal, and Fortune 500 firms who deliver deeper credit insights than traditional bureaus.
This sophisticated underwriting capability allows ResolvePay customers to increase buyer purchasing power by 30-60% while reducing the time spent managing receivables by approximately 50%. The result is not just better risk management, but actual revenue growth through larger orders and repeat purchases from credit-approved customers.
For businesses using traditional invoicing approaches, cash flow typically remains tied to customer payment behavior, with payment cycles often extending 30-60 days or longer. This can create significant working capital constraints, particularly for growing businesses.
The financial impact is substantial. Federal Reserve research shows that cash flow challenges are among the top concerns for small and medium-sized businesses. ResolvePay addresses this by providing immediate access to working capital. Instead of waiting 60 days for payment while covering operational costs, ResolvePay customers receive their money immediately, transforming cash flow from a constraint into a growth enabler.
For example, a manufacturer with $500,000 USD in monthly invoicing would typically wait 30-60 days to receive payment under traditional invoicing. With ResolvePay, they receive up to $500,000 USD in their bank account within 1-2 days, paying a 3.15% fee ($15,750 USD) for the service. This immediate access to working capital, combined with complete risk elimination, makes ResolvePay's value proposition compelling for growth-focused B2B businesses.
Invoice2go offers standard payment reminders, late fee calculations, and basic invoice tracking features that help businesses monitor payment status and follow up with customers.
This advanced automation reduces manual overhead by approximately 50% while improving payment collection rates. The AI-powered system learns from payment patterns and adjusts reminder frequency and messaging accordingly. For businesses managing hundreds or thousands of invoices monthly, this automation translates to significant time savings and improved cash conversion cycles.
ResolvePay's automation is intelligent—it understands the relationship between credit decisions and payment behavior. This nuanced approach maintains strong customer relationships while protecting cash flow, allowing businesses to scale their AR operations without proportionally scaling headcount.
Invoice2go provides integrations with QuickBooks and Xero on their Professional ($9.99 USD/month) and Premium ($39.99 USD/month) plans, along with connections to various payment processors.
For B2B businesses operating in complex technology environments, ResolvePay's integration depth enables them to function as the "nerve center for every B2B transaction type," whether ecommerce, marketplace, traditional sales, or hybrid. The platform's ecommerce integration allows businesses to offer BNPL options at checkout that can increase sales volume and customer retention.
The ecommerce integration is particularly valuable for B2B sellers with online storefronts. Customers can apply for net terms directly during checkout, receive approvals for purchases up to $25,000 USD, and complete their purchase without payment friction. This seamless experience has been shown to increase conversion rates and average order values while maintaining the seller's brand identity through white-label payment portals.
Invoice2go provides a seller-focused experience with professional invoice templates, branding options, multiple payment methods, and a mobile app for on-the-go invoicing.
This dual-sided approach creates a virtuous cycle of growth. Buyers gain purchasing power through extended payment terms without interest or fees, enabling them to place larger orders and purchase more frequently. Sellers benefit from increased sales volume while eliminating the traditional risks and cash flow constraints of offering net terms.
The buyer experience is particularly sophisticated. ResolvePay buyers can establish dedicated credit lines that function like a business credit card but with better terms—making purchases across multiple transactions against their credit line and paying the total balance in 30-60 days with zero interest. This flexibility transforms the buyer's cash flow management while strengthening their relationship with the seller.
The pricing difference reflects the fundamental value proposition difference. Invoice2go charges a subscription fee for software access, while ResolvePay charges a transaction fee for financial services and risk management. Research from business working capital studies indicates that access to immediate working capital can significantly impact growth potential for B2B companies.
Consider a B2B business with $500,000 USD in monthly invoicing. With ResolvePay, they receive up to $500,000 USD in their bank account within 1-2 days, paying a 3.15% fee ($15,750 USD) for the service. This immediate access to working capital, combined with complete risk elimination and reduced AR labor costs by approximately 50%, often provides substantial net financial benefit when considering the opportunity cost of delayed payments and bad debt risk.
ResolvePay's $1M+ annual revenue requirement means it's designed for established B2B businesses rather than freelancers or very small operations. These smaller businesses may find traditional invoicing solutions more appropriate for their current needs.
Invoice2go maintains a solid reputation with a 4.3/5 rating on G2 (89 reviews) and Capterra (256 reviews). The platform is owned by BILL, a publicly traded financial technology company, and follows standard security practices for payment processing.
The expertise difference is particularly significant for B2B payment solutions. ResolvePay's team brings specialized knowledge in credit assessment, underwriting, and collections. The platform's ability to make accurate credit decisions within 24 business hours—rather than the weeks required by traditional banks—stems from this specialized knowledge and advanced technology.
This trust foundation enables ResolvePay to function as your "credit team on tap," handling the complex tasks of credit assessment, underwriting, and collections while you focus on your core business. For B2B businesses that have traditionally avoided offering net terms due to risk concerns, this trusted partnership transforms net terms from a potential liability into a competitive advantage.
B2B businesses with $1M+ annual revenue face unique challenges that require comprehensive payment solutions beyond basic invoicing. These companies need tools that accelerate cash flow, reduce risk, and drive growth—capabilities that ResolvePay delivers through its integrated platform approach.
For B2B businesses serious about growth, ResolvePay represents an evolved approach to B2B payments. The combination of embedded credit expertise, non-recourse financing, and AI-powered automation creates a compelling value proposition for businesses ready to scale their operations while maintaining healthy cash flow and minimizing risk.
ResolvePay is a comprehensive B2B payments platform that provides net terms financing, cash advances, and AR automation for B2B businesses with $1M+ annual revenue. Invoice2go is primarily an invoicing app designed for freelancers and small service businesses, offering invoice creation, time tracking, and payment processing. The fundamental difference is that ResolvePay transforms your entire B2B payment lifecycle with embedded financing and risk management, while Invoice2go focuses on creating and sending invoices.
ResolvePay enables businesses to offer net 30, 60, or 90-day terms to customers while receiving up to 100% of the invoice value in their bank account within 1-2 business days. This is achieved through non-recourse financing with a flat 3.15% fee on 30-day net terms invoices. ResolvePay handles all credit assessment, underwriting, and collections, eliminating the risk of late payments or defaults. This transforms days sales outstanding (DSO) from 30-90 days to just 1 day, dramatically improving cash flow while maintaining competitive payment terms for customers.
Yes, ResolvePay provides dedicated solutions for both buyers and sellers. For buyers, ResolvePay offers 0% interest net 30-60 day payment terms, flexible payment options (ACH, wire, credit card, check), and dedicated credit lines that grow with purchasing history. For sellers, ResolvePay provides upfront payment on net terms invoices, complete risk elimination through non-recourse financing, and automated AR management. This dual-sided approach creates benefits where buyers gain purchasing power and sellers increase sales volume without cash flow constraints.
ResolvePay charges a flat 3.15% fee on 30-day net terms invoices with 100% advance payment. For varying customer risk profiles, advance rates may be 100%, 75%, or 50% with corresponding fee structures. Unlike traditional factoring or subscription-based services, ResolvePay has no monthly minimums, setup fees, or hidden costs. The pricing is transaction-based, meaning you only pay when you use the service. This transparent fee structure includes credit risk protection, advance payments, and AR automation.
ResolvePay offers extensive integrations with enterprise systems including QuickBooks, NetSuite, Xero, Oracle Fusion, and Sage Intacct for accounting and ERP platforms. For ecommerce, ResolvePay integrates with Shopify, BigCommerce, WooCommerce, and Magento, providing checkout extensions that embed net terms directly into existing flows. The platform also offers a flexible REST API for custom integrations with any system. These enterprise-grade integrations are included as standard features, ensuring seamless data synchronization and eliminating manual entry across your technology stack.
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.