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.
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 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 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.
|
Feature |
Resolve |
Invoiced |
Behalf |
|
Primary function |
Net terms financing + AR automation |
AR automation platform |
In-purchase B2B BNPL |
|
Net terms financing |
Net 30/60/90 with upfront payment |
Tracks net terms (AR workflow focus) |
Up to 180-day terms (historically) |
|
Advance rate |
Up to 100% of invoice value |
— (AR automation focus) |
— (buyer-side financing) |
|
Non-recourse protection |
Yes — Resolve assumes credit risk |
— |
— |
|
AI credit decisioning |
Yes — instant buyer approvals |
— |
Soft credit pull |
|
Cash application |
Basic matching |
CashMatch AI — advanced automated matching |
— |
|
Dunning/collections |
Automated reminders |
Multi-channel (email, SMS, physical mail) |
— |
|
Cash flow forecasting |
Basic |
Advanced with multi-entity support |
— |
|
Payment methods |
ACH, credit card, wire, check |
ACH, SEPA, Bacs, credit card, virtual card |
Direct vendor payment |
|
ERP integrations |
QuickBooks, NetSuite, BigCommerce, Shopify |
QuickBooks, NetSuite, Sage, others |
— |
|
Multi-entity support |
Single entity focus |
Full multi-entity reporting |
— |
|
Buyer credit limits |
Based on AI underwriting (varies) |
— |
$300 - $50,000 |
|
Credit bureau reporting |
— |
— |
Yes — builds buyer credit |
|
Setup time |
Days |
Weeks (enterprise) |
Instant for buyers (historically) |
|
Current operational status |
Active |
Active |
Transitioned (~2023) |
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..
|
Term Length |
Fee |
Advance Rate |
|
Net 30 |
Competitive non-recourse pricing |
Up to 90-100% |
|
Net 45 |
Custom |
Up to 90-100% |
|
Net 60 |
Custom |
Up to 90-100% |
|
Net 90 |
Custom |
Up to 90-100% |
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 uses custom pricing based on business needs and platform scope:
|
Plan |
Target |
Pricing Model |
Key Inclusions |
|
Advanced AR |
Growing mid-market companies |
Custom pricing |
Core AR automation, collections, payments, reporting |
|
Enterprise AR |
Complex receivables operations |
Custom pricing |
Advanced automation, CashMatch AI, custom dashboards, cash flow forecasting, and implementation support |
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 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.
For a mid-market B2B supplier processing 200 invoices per month at an average value of $10,000:
|
Platform |
Estimated Monthly Cost |
What You Get |
|
Resolve |
Competitive non-recourse rates on $2M volume |
Upfront payment on all invoices + zero credit risk |
|
Invoiced Advanced |
Custom |
AR automation, collections, reporting |
|
Invoiced Enterprise |
Custom |
Full automation + AI cash application + forecasting |
|
Behalf |
$0 to seller (buyer-funded) |
Buyer financing at checkout (historical) |
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.
Key Strengths:
Key Strengths:
Key Strengths:
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:
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:
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.
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.
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.
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.
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.
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.
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.
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%.
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.
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.