ResolvePay vs Invoiced

When B2B businesses need to streamline accounts receivable and improve cash flow, choosing between financial platforms becomes a critical decision. Two prominent options—ResolvePay and Invoiced—represent fundamentally different approaches to B2B payments and credit management. Invoiced operates as a traditional AR automation software with subscription billing strengths, while ResolvePay offers an integrated platform combining AI-powered AR automation with non-recourse invoice financing and embedded B2B BNPL. This comparison reveals why ResolvePay's comprehensive approach delivers compelling results for established B2B businesses seeking both cash flow acceleration and credit risk management beyond invoice tracking alone.

Key Takeaways

ResolvePay provides non-recourse financing on approved invoices, and publishes an example 3.15% flat fee for 30-day invoices at 90% advance, combining AR automation with cash advance capabilities
B2B businesses with $1M+ annual revenue benefit from ResolvePay's integrated approach, typically seeing significant reduction in AR workload and immediate cash flow
ResolvePay delivers instant credit decisions within 24 hours using AI-powered underwriting and assumes all credit risk for approved invoices
ResolvePay's unified platform combines AR automation with working capital solutions, eliminating the need for multiple vendors
ResolvePay's native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento enable B2B BNPL at checkout for online B2B transactions

Understanding each company's core positioning

Invoiced positions itself as an accounts receivable automation platform specializing in complex billing scenarios, particularly subscription and recurring revenue models. Founded in 2013 and acquired by Flywire in 2024, Invoiced has built its reputation on flexible billing infrastructure for businesses needing sophisticated invoicing capabilities. The platform offers AR automation features including customer portals, payment processing, and reporting as a software solution.

ResolvePay takes a fundamentally different approach by addressing both automation and financing needs simultaneously. Founded in 2019 by former Affirm executives, ResolvePay specializes in integrated B2B payments and credit management for established businesses with $1M+ annual revenue. Rather than focusing solely on invoice automation, ResolvePay combines AR automation with non-recourse invoice financing, embedded B2B BNPL, and AI-powered credit decisions. The platform serves as a complete "credit team on tap," handling everything from credit assessment to collections while advancing up to 90% of invoice value within 24 hours.

According to the Federal Reserve's research on B2B payment trends, businesses cite benefits like immediate access to funds, lower costs, and improved flexibility from faster payment methods—highlighting why payment speed and operational efficiency are closely linked. ResolvePay's approach directly addresses this market evolution by transforming the entire B2B credit-to-cash cycle and eliminating cash flow delays alongside credit risk.

Feature offerings show distinct strategic focuses

Invoiced's feature portfolio centers on billing automation and customer self-service:

Subscription and recurring billing management
Customer payment portal and self-service capabilities
AR automation and payment processing
Reporting and analytics
Integration with multiple payment gateways

This AR automation approach serves businesses focused on invoicing efficiency and customer self-service workflows.

ResolvePay's features focus on high-impact areas that directly influence cash flow and sales growth:

B2B Net Terms with 30/60/90-day options to increase customer buying power
100% non-recourse invoice financing with fees around 3.15% for Net 30 terms
AI-powered credit decisions within 24 hours using just company name and address
Accounts receivable automation with AI agents managing collections and payment reminders
Native e-commerce integrations for Shopify, BigCommerce, WooCommerce, and Magento
White-label payment portal accepting ACH, credit card, wire, and check

The integration of financing with automation enables immediate cash flow impact alongside reduced AR workload.

ResolvePay positions its model as helping sellers get paid as fast as next day on approved invoices instead of waiting 30-60 days while transferring all credit risk to the platform. This comprehensive value proposition addresses working capital constraints that pure software solutions cannot solve.

Pricing models reflect different value propositions

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

Invoiced's pricing structure:

Pricing is typically quote-based (request a demo/quote)
Cost varies by invoice volume, modules, and implementation needs
Additional transaction fees may apply for payment processing
Software-focused model with monthly recurring costs

ResolvePay's pricing structure:

Transaction-based pricing only with fees around 3.15% for Net 30 terms with 100% advance
No monthly subscriptions, setup fees, or minimum volume requirements
All features included in the transaction fee
Transparent pricing structure
Non-recourse financing included at no additional cost

ResolvePay's transaction-based model aligns costs directly with business activity. According to the U.S. Chamber of Commerce's research on small business financing, many businesses compare funding options based on cost, flexibility, and fit with their cash-flow needs. Businesses receive 100% of invoice value upfront with a single transparent fee, eliminating the cash flow gap between invoice issuance and payment receipt.

Target customers reveal strategic alignment differences

Invoiced primarily serves businesses needing sophisticated billing automation, particularly those with subscription or recurring revenue models. Their client base includes SaaS companies, service businesses, and organizations with complex billing requirements.

ResolvePay targets established B2B businesses with $1M+ annual revenue that seek both AR automation and working capital solutions. These organizations typically have existing customer relationships but face cash flow constraints from extended payment terms. ResolvePay's client base includes manufacturers, distributors, wholesalers, and other B2B suppliers across various industries. You can explore their case studies to see detailed results across different B2B verticals.

This distinction matters for strategic alignment. Businesses seeking integrated working capital and automation will find ResolvePay's comprehensive platform addresses multiple needs through a single solution.

Risk management and credit capabilities demonstrate fundamental differences

Invoiced's approach:

Software platform focused on billing and collections automation
Businesses manage their own credit assessment and risk decisions
Collections workflows remain the merchant's responsibility
No credit risk transfer or protection services

ResolvePay's risk management approach:

100% non-recourse financing eliminates all credit risk for merchants on approved invoices
AI-powered credit decisions using proprietary models and behavioral signals
Credit assessment conducted by experts formerly from Amazon, PayPal, and Fortune 500 firms
Collections management handled by AI agents and human experts
Complete protection against bad debt on approved invoices

ResolvePay's risk transfer capability represents a significant advantage for B2B businesses. For companies that have experienced bad debt or face pressure to offer net terms without adequate credit resources, ResolvePay's non-recourse model provides essential protection while enabling sales growth.

E-commerce and integration capabilities show platform maturity

Invoiced's integration capabilities:

Accounting software connections
Multiple payment gateway options
Self-service customer portal for payment management
Focus on post-sale billing workflows

ResolvePay's integration capabilities:

Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento
2-way QuickBooks auto-sync for automatic reconciliation
Support for Oracle, NetSuite, Xero, and Sage Intacct
B2B BNPL at checkout allowing customers to apply for net terms during purchase
White-label payment portal maintaining brand consistency

ResolvePay's e-commerce integration enables B2B businesses selling online to offer net terms at checkout, potentially increasing conversion rates and average order values through point-of-sale financing options.

Results and case studies demonstrate real-world impact

Both companies showcase customer success, but the nature and impact of these results differ significantly.

Invoiced's customer feedback highlights software functionality:

4.7/5 rating on Software Advice based on 148 reviews
Strengths in subscription billing and customer portal functionality
Software-focused efficiency improvements

ResolvePay's customer results emphasize financial and operational impact:

Archipelago accessed significantly larger credit lines—up to 20 times higher than before—enabling new customer acquisition and retention
Significant reduction in AR workload reported by manufacturing clients
Substantial reduction in DSO while maintaining customer satisfaction scores above 90%

According to the National Association of Credit Management's benchmarks, reducing DSO while maintaining customer relationships represents a key challenge for B2B businesses. ResolvePay's results demonstrate measurable financial impact and sales growth enabled by the integrated platform approach.

Implementation and support experience

Invoiced's implementation approach:

Standard implementation timeline
Self-service setup options
Customer support included in subscription
Software-focused onboarding process

ResolvePay's implementation approach:

Days to weeks implementation with dedicated support
Full-service onboarding including system integration and testing
Dedicated account management for all clients
Continuous optimization and support included
Expert guidance on credit management and AR best practices

ResolvePay's support approach reflects its financial services model, providing closer partnership throughout implementation and ongoing operations to ensure successful outcomes.

Why ResolvePay delivers compelling value for established B2B businesses

Established B2B businesses with $1M+ annual revenue face unique challenges that make ResolvePay's integrated approach particularly valuable. These companies need working capital solutions, credit risk management, and sales growth tools alongside invoice automation.

Key advantages of ResolvePay's approach:

Immediate cash flow: Receive 100% of invoice value within 24 hours instead of waiting 30-90 days, eliminating cash flow constraints that limit growth
Zero credit risk: 100% non-recourse financing means businesses don't bear liability for customer non-payment on approved invoices, protecting bottom line from bad debt
Sales growth enablement: Offer net terms and BNPL options that increase customer buying power and drive larger orders while ResolvePay handles all risk and complexity
Operational efficiency: AI-powered AR automation reduces manual workload significantly while maintaining customer satisfaction through professional collections management
Transparent pricing: Fees around 3.15% with no monthly subscriptions, setup fees, or hidden costs ensures predictable expenses tied directly to business activity

For established B2B businesses seeking to accelerate growth while managing risk, ResolvePay represents an evolved approach to B2B payments and credit management. The combination of non-recourse financing, AI-powered automation, and embedded BNPL creates a compelling value proposition for companies needing integrated working capital and automation solutions.

Frequently Asked Questions

How does ResolvePay's AI automation differ from traditional AR systems like Invoiced?

ResolvePay's AI automation integrates financial services with software automation. The platform uses AI to manage the entire credit-to-cash cycle, including instant credit decisions within 24 hours, automated collections management, and payment processing. The AI agents actively manage workflows, send payment reminders, and reduce collection friction. Most importantly, ResolvePay's automation includes non-recourse financing, ensuring businesses receive immediate cash flow rather than just improved invoice tracking.

What are the benefits of offering net terms through ResolvePay for sellers?

Sellers using ResolvePay to offer net terms receive multiple benefits: advance payment on invoices within 24 hours, elimination of credit risk through non-recourse financing on approved invoices, and increased sales through enhanced customer buying power. ResolvePay handles all aspects of credit assessment, underwriting, billing, and collections, allowing sellers to focus on their core business. The platform provides substantial reduction in DSO while maintaining high customer satisfaction scores, and integrates seamlessly with existing e-commerce and accounting systems.

Is ResolvePay considered factoring, and how does it manage risk?

ResolvePay is positioned as a modern alternative to traditional factoring, offering 100% non-recourse financing with transparent fees around 3.15% for Net 30 terms. Unlike traditional factoring which often uses recourse models where merchants bear credit risk, ResolvePay assumes all credit risk for approved invoices. The platform manages risk through AI-powered credit decisions using proprietary models that evaluate thousands of data points, combined with expertise from former Amazon, PayPal, and Fortune 500 credit professionals. This comprehensive risk management approach allows merchants to receive advance payment without liability for customer non-payment on approved transactions.

What integrations does ResolvePay offer for existing accounting and e-commerce platforms?

ResolvePay offers comprehensive integrations with leading platforms including Shopify, BigCommerce, WooCommerce, and Magento for e-commerce, and QuickBooks, Oracle, NetSuite, Xero, and Sage Intacct for accounting systems. The platform provides native B2B BNPL integration at checkout for e-commerce businesses, allowing customers to apply for net terms during the purchasing process. For accounting integration, ResolvePay offers 2-way QuickBooks auto-sync that automatically records and reconciles all transactions, eliminating manual data entry. These integrations enable seamless operation within existing business workflows while adding the benefits of non-recourse financing and AI-powered AR automation.

How can buyers benefit from using ResolvePay for their business purchases?

Buyers using ResolvePay benefit from 0% interest net terms for 30-60 days, allowing them to purchase what their business needs now and pay later without additional costs. The platform provides flexible payment options including ACH, credit card, wire transfer, and check through a branded payment portal. Buyers can access instant credit decisions, with some purchases up to $25,000 USD qualifying for immediate approval. This extended payment flexibility increases purchasing power and cash flow management capabilities for buyer businesses, while the professional, white-label experience maintains strong supplier relationships. The simple application process requires only basic business information, with credit decisions typically delivered within hours.

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.