ResolvePay vs Invoiced vs Behalf: B2B Invoice Financing Compared

Resolve is the strongest option for B2B suppliers who need upfront payment on net terms invoices with zero credit risk. Invoiced wins for finance teams that want a pure AR automation platform with advanced reporting and cash application. Behalf, which historically offered embedded B2B BNPL financing, appears to have transitioned its operations as of 2023. This ResolvePay vs Invoiced vs Behalf comparison breaks down exactly where each platform excels and which one fits your business based on your specific accounts receivable challenges.

Key Takeaways

• Net Terms Financing: Resolve finances Net 30/60/90 invoices with up to 100% advance, paying sellers upfront while buyers pay on their terms
• Non-Recourse Protection: Resolve assumes buyer credit risk entirely — sellers keep payment regardless of buyer outcome
• AR Automation Depth: Invoiced provides a full invoice-to-cash workflow with CashMatch AI for automated cash application
• Cash Flow Forecasting: Invoiced delivers real-time forecasting and multi-entity reporting for complex finance operations
• Credit Decisioning Speed: Resolve approves buyers in seconds via its AI credit engine, eliminating traditional trade reference delays
• Pricing Transparency: Resolve publishes straightforward, risk-based pricing for net terms, with 30-day fees shown on some product pages and custom pricing for broader platform plans
• Buyer Experience: Resolve provides an online payment portal with flexible payment methods for a streamlined buyer experience
• Multi-Entity Reporting: Invoiced is purpose-built for complex multi-entity AR operations with consolidated dashboards
• Dunning Automation: Invoiced offers automated communications via emails, texts, and physical letters to improve collection rates
• ERP Integrations: Resolve connects natively with QuickBooks, NetSuite, BigCommerce, and Shopify
• Embedded Checkout Financing: Behalf historically offered in-purchase BNPL for B2B transactions
• Implementation Speed: Resolve goes live in days compared to weeks for enterprise AR platforms
• Scalability for Enterprise AR: Invoiced's Enterprise plan handles high-volume, complex receivables operations
• Buyer Credit Building: Behalf historically reported payments to business credit bureaus to help buyers build credit

Quick Overview

Resolve

Resolve is a B2B commerce platform that enables suppliers to offer Net 30, 60, or 90-day payment terms to their buyers while getting paid upfront. Spun off as the B2B version of Affirm in 2018, Resolve combines net terms financing, AI-powered credit decisioning, and accounts receivable automation into a single platform. Over 15,000 businesses use Resolve to shrink DSO from 60 days to 1 day, with non-recourse financing that transfers buyer credit risk entirely to Resolve.

The platform's AI credit engine evaluates buyer creditworthiness in seconds, replacing the traditional multi-week trade reference process. This speed advantage means sales teams can close deals faster without waiting on credit approvals. Resolve also automates invoicing, payment reminders, and collections, effectively replacing what would otherwise require dedicated AR staff. According to G2 reviews, Resolve maintains a 5.0/5 rating with users highlighting the platform's ease of use and responsive customer support.

Resolve integrates natively with QuickBooks, NetSuite, BigCommerce, and Shopify, and won BigCommerce's 2025 Innovative Integration Award. The white-label buyer portal allows suppliers to maintain their brand identity throughout the payment experience, which is particularly valuable for companies where customer experience is a competitive differentiator.

Invoiced

Invoiced is an accounts receivable automation platform that streamlines the invoice-to-cash lifecycle for B2B finance teams. The platform offers automated billing, collections, payments, and reporting within a single interface. Its CashMatch AI technology handles cash applications by matching incoming payments to the correct invoices and accounts.

Invoiced is a G2 category leader in accounts receivable software and serves thousands of businesses with two pricing tiers: an Advanced AR plan for growing mid-market companies and an Enterprise AR plan for organizations with complex receivables. The platform supports global payment methods including SEPA and Bacs, making it suitable for businesses with international payment flows. Multi-entity reporting enables finance teams to manage and report on receivables across complex organizational structures from a single dashboard.

Invoiced's strength lies in its depth of AR workflow automation. Multi-channel dunning reaches customers via email, SMS, and physical mail, and the cash flow forecasting tools help finance teams plan ahead with real-time visibility into expected payments.

Behalf

Behalf launched in 2011 as an in-purchase B2B financing platform, providing buy-now-pay-later capability for business purchases. The company raised more than $250 million in total funding, onboarded over 19,000 merchants and 95,000 business customers, and facilitated more than $1 billion in financing. Behalf offered business loans from $300 to $50,000 with repayment terms up to 180 days and reported payments to business credit bureaus to help buyers build credit. Behalf's operations appear to have transitioned around 2023. Businesses that previously relied on Behalf should evaluate active alternatives for their B2B checkout financing needs.

ResolvePay vs Invoiced vs Behalf: Feature-by-Feature Comparison

Pricing Comparison

Resolve Pricing

Resolve uses risk-based transaction pricing for net terms, with some 30-day fees published on product pages and broader platform pricing scoped based on implementation needs..

Fees vary based on buyer creditworthiness and selected advance rate. Higher-risk buyers may qualify for adjusted advance rates at adjusted pricing. Credit card processing fees are passed through to the buyer via the online payment portal, so the seller receives the full invoice amount minus only the platform fee. According to Investopedia, transparent per-transaction pricing is increasingly preferred over complex fee structures in B2B financing.

Invoiced Pricing

Invoiced uses custom pricing based on business needs and platform scope:

Invoiced's per-invoice fee model means costs scale directly with invoice volume. For high-volume businesses, the Enterprise plan with custom pricing may offer better unit economics.

Behalf Pricing (Historical)

Behalf charged monthly finance rates of 1-3% based on individual buyer creditworthiness. The cost was borne by the buyer, not the seller. With Behalf's current transition, this pricing is included only for historical reference.

Total Cost of Ownership

For a mid-market B2B supplier processing 200 invoices per month at an average value of $10,000:

The comparison is not apples-to-apples. Resolve's fee includes invoice financing and credit risk transfer. Invoiced's fee covers AR automation. A business using Invoice that also needs financing would need a separate factoring arrangement, which typically costs 1-5% per invoice plus additional fees.

Platform Strengths

Resolve 

Key Strengths:

• Non-recourse financing eliminates accounts receivable credit risk entirely
• Buyers approved in seconds — no waiting days or weeks for credit decisions
• Up to 100% advance means near-instant cash flow improvement
• Transparent flat-fee pricing with no minimums or hidden charges
• Deep integrations with QuickBooks, NetSuite, BigCommerce, and Shopify
• Reduces manual AR reconciliation by up to 90%
• Online buyer payment portal streamlines the payment experience
• Founded by Affirm/PayPal veterans with deep fintech expertise
• White-label portal maintains your brand identity for buyers
• Flexible advance rate tiers up to 100% accommodate different risk preferences
• Won BigCommerce's 2025 Innovative Integration Award

Invoiced

Key Strengths:

• G2 category leader in accounts receivable software with strong user ratings
• CashMatch AI automates cash application, reducing manual payment matching
• Multi-channel dunning reaches customers via email, SMS, and physical mail
• Multi-entity reporting serves complex organizational structures
• Cash flow forecasting helps finance teams plan ahead
• Easy to train new users — high adoption rates across organizations
• Supports global payment methods including SEPA and Bacs
• Advanced reporting and analytics for data-driven AR management
• Scalable Enterprise tier handles high-volume, complex receivables operations

Behalf (Historical)

Key Strengths:

• Embedded at point of purchase — created a frictionless buyer financing experience
• Wide merchant network (19,000+ merchants historically)
• Flexible repayment up to 180 days
• Payment reporting to credit bureaus helped buyers build business credit
• Low minimum ($300) made it accessible to small businesses

Who Should Choose Resolve

Resolve is the right choice for B2B suppliers and wholesalers who need to solve two problems simultaneously: cash flow gaps caused by Net 30/60/90 terms and credit risk exposure on buyer accounts.

Choose Resolve if you:

• Offer net terms to B2B buyers and need upfront payment instead of waiting 30-90 days
• Want to eliminate accounts receivable credit risk with non-recourse financing
• Need instant buyer credit decisions to close deals faster
• Run a mid-market B2B operation ($1M-$100M in annual receivables)
• Use QuickBooks, NetSuite, BigCommerce, or Shopify and want native integration
• Want transparent, flat-fee pricing without monthly minimums or long-term contracts
• Are currently using traditional factoring and want better rates with less friction
• Need to grow average order values by offering flexible payment terms at checkout
• Want to reduce AR headcount and redirect finance team resources to strategic work
• Need a platform that scales with your business as you onboard more B2B buyers

See how Resolve works →

Who Should Choose Invoiced

Invoiced is the right choice for B2B finance teams that have solved their financing needs separately and want a dedicated platform to automate the full invoice-to-cash workflow.

Choose Invoiced if you:

• Need comprehensive AR automation across billing, collections, and reporting
• Operate a multi-entity organization that requires consolidated reporting
• Want AI-powered cash application to eliminate manual payment matching
• Need multi-channel dunning (email, SMS, physical mail) to improve collection rates
• Prioritize cash flow forecasting and advanced analytics for financial planning
• Have an existing financing arrangement (factoring, credit line) and need better AR tooling
• Process global payments and need SEPA, Bacs, or other international payment support
• Want deep reporting capabilities for data-driven accounts receivable management
• Need a platform that scales to enterprise-level invoice volumes with dedicated support
• Want to reduce the time your finance team spends on manual payment reconciliation
• Need aging reports and AR analytics to identify trends in buyer payment behavior

Who Should Have Considered Behalf

Behalf was a strong option for merchants who wanted to offer embedded checkout financing to business buyers. The platform was best suited for B2B e-commerce merchants with transaction sizes under $50,000 who wanted to increase conversion rates by offering instant buyer financing at checkout.

With Behalf no longer actively operating, businesses that need embedded B2B checkout financing should evaluate Resolve's net terms solution as the closest active alternative. Resolve offers a similar buyer experience — buyers get extended payment terms while sellers get paid upfront — with higher credit limits, non-recourse protection, and active product development. According to Gartner, the B2B BNPL market continues to grow as more suppliers recognize the revenue impact of offering flexible payment terms.

Resolve's white-label buyer portal maintains the seller's brand identity throughout the payment process, which replicates the seamless checkout experience that Behalf pioneered. Combined with AI-powered credit decisions that approve buyers in seconds, Resolve provides a modern, actively maintained alternative that exceeds the capabilities Behalf previously offered in terms of credit limits, risk protection, and integration depth.

Final Verdict

When evaluating ResolvePay vs Invoiced vs Behalf in 2026, the real decision comes down to Resolve vs. Invoiced, since Behalf is no longer actively operating.

If your primary challenge is cash flow and credit risk, Resolve is the clear winner. No other platform in this comparison offers non-recourse net terms financing with same-day buyer approvals and up to 100% advance rates. You get paid in 1-2 business days instead of waiting 30-90 days, and Resolve assumes the risk if your buyer defaults.

If your primary challenge is AR operational efficiency, Invoiced delivers the stronger automation suite. CashMatch AI, multi-channel dunning, multi-entity reporting, and cash flow forecasting make Invoiced a better fit for finance teams focused on streamlining existing collections processes.

For businesses that need both financing and AR automation, Resolve covers the most critical ground — you get net terms financing, automated credit checks, invoicing, collections, and ERP integration in a single platform. While Invoiced's reporting and forecasting features are deeper, Resolve's ability to eliminate DSO and credit risk makes it the more impactful choice for revenue-focused B2B operations.

Get started with Resolve →

Frequently Asked Questions 

What is the main difference between Resolve and Invoiced?

Resolve is a net terms financing platform that pays sellers upfront on Net 30/60/90 invoices and assumes buyer credit risk through non-recourse financing. Invoiced is an accounts receivable automation platform that streamlines billing, collections, and reporting. In short, Resolve solves the cash flow problem while Invoiced optimizes the AR workflow, understanding this distinction is essential for selecting the right AR platform.

Is Behalf still operating in 2026?

Behalf's website and partner integrations appear to have transitioned around 2023. Businesses that previously used Behalf for B2B checkout financing should evaluate active alternatives such as Resolve, which offers similar buyer-facing net terms with higher credit limits and non-recourse protection.

How much does Resolve charge for net terms financing?

Resolve charges a competitive, transparent flat fee for 30-day net terms with non-recourse protection. Fees vary based on buyer creditworthiness and selected advance rate. There are no monthly minimums, setup fees, or hidden charges. Credit card processing fees are passed through to the buyer.

Can I use Invoiced and Resolve together?

While both platforms have some overlapping functionality in AR management, they serve fundamentally different purposes. In theory, a business could use Resolve for net terms financing and credit risk transfer while using Invoiced for broader AR automation and reporting. However, most businesses find that Resolve's built-in AR features cover their core needs without requiring a second platform.

How does Resolve's non-recourse financing work?

When a buyer is approved through Resolve's AI credit engine, Resolve advances up to 100% of the invoice value to the seller within 1-2 business days. If the approved buyer fails to pay, Resolve absorbs the loss — the seller keeps the advance payment. This is different from traditional factoring, where recourse provisions can claw back advances on defaulted invoices.

What ERP systems does Resolve integrate with?

Resolve integrates natively with QuickBooks, NetSuite, BigCommerce, and Shopify. The platform won BigCommerce's 2025 Innovative Integration Award. These integrations sync invoice data, payment status, and buyer information automatically, reducing manual reconciliation by up to 90%.

How fast are buyer credit decisions on Resolve?

Resolve's AI-powered credit engine approves buyers in seconds using automated underwriting. This is significantly faster than traditional trade credit processes, which typically require manual credit applications, trade references, and days or weeks of review. Faster approvals mean sellers can close deals without financing delays.

What global payment methods does Invoiced support?

Invoiced supports ACH, SEPA, Bacs, credit card, and virtual card payments. This breadth of payment method support makes it particularly suitable for businesses with international customers who need to pay in their preferred methods and currencies.

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.