ResolvePay vs Melio

When B2B businesses need to offer net terms to their customers while protecting cash flow, choosing the right payment platform becomes critical. Two options often considered—ResolvePay and Melio—represent fundamentally different approaches to B2B payments. ResolvePay offers a comprehensive B2B Net Terms platform specifically designed for businesses selling on credit, while Melio operates as an accounts payable tool for businesses paying vendors. B2B payment solutions are increasingly critical as businesses seek to optimize cash flow and reduce payment friction. This comparison reveals how ResolvePay's specialized approach serves B2B sellers who need non-recourse financing, advance payments, and complete accounts receivable automation.

Key Takeaways

ResolvePay specializes in B2B net terms financing with 100% non-recourse protection, providing advance payments and credit risk management for sellers
ResolvePay offers advance payments of 90-100% within 24 hours on approved invoices, enabling sellers to maintain healthy cash flow while offering net terms
For B2B sellers offering net terms, ResolvePay reduces DSO to 1 day instead of 30-90 days with complete AR automation and collections management
ResolvePay provides AI-powered credit decisions with instant approvals and complete risk assessment, protecting sellers from bad debt
ResolvePay integrates natively with e-commerce platforms like Shopify and BigCommerce for checkout net terms, enabling B2B online sellers to offer credit at the point of sale

Understanding each company's core positioning

Melio's approach to business payments

Melio positions itself as a bill payment platform for small businesses, focusing primarily on accounts payable (AP) functionality. Founded in 2018 and serving over 80,000 U.S. businesses, Melio helps businesses pay their vendors through ACH, wire, check, or credit card. The platform offers a free entry tier (Go plan) with limited features and paid plans ranging from $25-$80 USD/month for additional capabilities like batch payments and approval workflows.

ResolvePay's B2B net terms financing platform

ResolvePay takes a specialized approach focused on B2B sellers. Founded in 2017 as a spin-off from Affirm, ResolvePay specializes in B2B net terms financing for businesses selling to other businesses. Serving 15,000+ businesses, ResolvePay helps B2B sellers offer net 30/60/90 terms to their customers while receiving advance payment within 24 hours. The platform provides 100% non-recourse financing, meaning sellers receive protection from customer non-payment. ResolvePay's B2B Payments Platform combines embedded credit expertise, invoice financing, and payment processing into a single solution.

The fundamental difference lies in their target users: Melio serves businesses paying bills (buyers), while ResolvePay serves businesses offering credit terms (sellers).

Service offerings show distinct strategic focuses

Melio's vendor payment features

Melio's service portfolio focuses on vendor payments and basic accounting integration:

ACH, wire, check, and credit card payments to vendors
Accounts receivable invoicing features
Accounting software integration (QuickBooks, Xero)
Payment reminders and AR management
Multi-user approval workflows on paid plans
Tax form generation (1099 e-filing)

This approach serves businesses needing to streamline their accounts payable processes.

ResolvePay's comprehensive credit and financing solutions

ResolvePay's services focus on empowering B2B sellers with comprehensive credit and cash flow solutions:

Non-recourse financing with advance payments of 90-100% within 24 hours
AI-powered credit decisions with instant approvals for purchases up to $25,000
Complete AR automation with AI agents managing collections
Native e-commerce integrations for net terms at checkout
100% bad debt protection with Resolve handling collections
White-label payment portals for branded customer experiences

The specialization allows ResolvePay to address the specific needs of B2B sellers offering net terms. For example, ResolvePay enables businesses to offer net terms to their customers while getting paid upfront and transferring all credit risk. This capability is particularly valuable for B2B sellers who need to compete on payment terms without jeopardizing cash flow. Research from Gartner indicates that AR automation can reduce DSO by up to 30% and lower processing costs significantly.

Pricing models reflect different value propositions

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

Melio's subscription-based pricing

Melio's pricing structure:

Go plan: $0 USD/month (5 free ACH payments, limited features)
Core plan: $25 USD/month (20 free ACH payments, basic features)
Boost plan: $55 USD/month (50 free ACH payments, advanced features)
Unlimited plan: $80 USD/month (unlimited ACH payments, premium features)
Additional costs: $0.50 USD per ACH beyond limits, 2.9% credit card fees

ResolvePay's transaction-based pricing

ResolvePay's pricing structure:

Fees starting at 3.15% on 30-day net terms with advance payments of 90-100%
Risk-based pricing for different term lengths (Net 30/60/90)
No monthly subscription fees or hidden costs
Credit card fees passed on to buyers through payment portal
Custom enterprise pricing for high-volume businesses

This pricing structure makes ResolvePay particularly attractive for B2B sellers who need financing and risk protection. The fee includes advance payment, non-recourse protection, and complete AR automation—delivering comprehensive value for businesses offering credit terms. According to the U.S. Small Business Administration, maintaining healthy cash flow is one of the most critical factors for business success, particularly for growing B2B companies.

Target customers reveal strategic alignment differences

Melio's small business focus

Melio primarily serves small businesses that need to pay vendors efficiently. Their ideal customers are businesses with basic AP needs, typically with fewer than 10 employees. Melio works well for service businesses, consultants, and small retailers who need to pay suppliers.

ResolvePay's B2B seller focus

ResolvePay targets B2B businesses with $1M+ annual revenue that sell to other businesses on credit terms. These organizations include manufacturers, distributors, wholesalers, and B2B e-commerce companies that need to offer net 30/60/90 terms to remain competitive. Notable ResolvePay customers include Lift Foils, ConEquip, and Archipelago, with detailed case studies available on their customer stories page.

This distinction matters significantly for businesses offering net terms. B2B sellers face unique challenges around financing, credit underwriting, and risk protection. ResolvePay's model specifically addresses these needs with specialized capabilities designed for credit-based selling.

Results and case studies demonstrate execution advantages

Both companies showcase results, but the nature and scope of these results differ significantly based on their different service focuses.

Melio's operational efficiency results

Melio's results focus on AP efficiency:

Time savings on bill payment processes
Simplified vendor payment workflows
Accounting integration benefits
Timeline: Immediate efficiency gains for AP processes

ResolvePay's business growth and cash flow results

ResolvePay's results emphasize business growth and cash flow transformation:

75% growth for Nandansons with Resolve integration
5x revenue increase for SS&SI
Tripled revenue for Archipelago
DSO reduced from 45-60 days to 1 day
Significant time savings on AR processes

The impact difference reflects each platform's specialization. ResolvePay focuses on driving revenue growth and cash flow optimization for businesses offering net terms, addressing the core challenges faced by B2B sellers who need to compete on payment terms.

Methodology and approach define the engagement experience

Melio's bill payment methodology

Melio's methodology centers on simplifying vendor payments:

No vendor signup required for payment recipients
User interface with standard workflows
Email support for most plans
Payment processing focused on AP needs

ResolvePay's comprehensive credit management approach

ResolvePay's approach emphasizes comprehensive B2B credit management:

AI-powered credit underwriting with instant decisions
Complete AR automation with AI agents and expert collections team
White-glove onboarding and dedicated support
Risk-based advance payments within 24 hours
Full integration with accounting and e-commerce platforms

The service philosophy difference is significant: ResolvePay delivers a complete credit and cash flow solution designed specifically for B2B sellers offering net terms, with specialized capabilities including credit assessment, risk management, and collections automation.

Integration capabilities show platform maturity

Melio's accounting integrations

Melio's integrations focus on accounting connectivity:

QuickBooks Online (2-way sync)
Xero (2-way sync)
Accounting software integrations

ResolvePay's comprehensive B2B commerce integrations

ResolvePay's integrations span the entire B2B commerce ecosystem:

QuickBooks, NetSuite, Oracle, Xero, Sage Intacct
Shopify, BigCommerce, WooCommerce, Magento for native checkout integration
Flexible APIs for custom implementations
135+ currency support for international transactions
Automated reconciliation across all platforms

The integration advantage is particularly significant for B2B e-commerce businesses. ResolvePay's native checkout integrations enable "Pay with Net Terms" functionality at the point of sale, with instant credit decisions and seamless order processing. This capability serves B2B online sellers who need to offer credit terms directly in their checkout flow.

Risk management and credit expertise provide critical differentiation

Melio's payment processing approach

Melio's approach focuses on payment facilitation:

Payment processing for vendor bills
Merchant manages customer credit decisions
Payment tracking and reminders

ResolvePay's comprehensive risk management

ResolvePay's risk management capabilities:

100% non-recourse financing with complete bad debt protection
Proprietary AI models evaluating thousands of data points
Experts formerly of Amazon, PayPal, and Fortune 500 firms
Complete collections management included
Credit line recommendations and management

The risk protection capabilities represent a significant value proposition for B2B sellers offering net terms. ResolvePay provides comprehensive risk management as a core service, protecting sellers from credit losses while enabling them to offer competitive payment terms to customers.

Why ResolvePay delivers superior value for B2B sellers offering net terms

B2B businesses offering net terms to their customers face unique challenges that make ResolvePay's specialized platform particularly valuable. These companies need more than payment processing—they need financing, credit underwriting, risk protection, and AR automation.

Key advantages of ResolvePay's approach for B2B sellers:

Complete risk protection: 100% non-recourse financing eliminates bad debt risk for sellers offering credit terms
Immediate cash flow: Advance payments of 90-100% within 24 hours transform cash flow compared to waiting 30-90 days for customer payment
Revenue growth enablement: Documented cases of significant revenue growth when businesses can confidently offer net terms
E-commerce native capabilities: Net terms at checkout functionality for B2B online sellers
Complete AR automation: AI-powered collections and reconciliation save 14+ hours per week on AR processes

For B2B sellers offering net terms, ResolvePay represents a comprehensive financing and risk management solution that addresses their core business challenges. The combination of non-recourse financing, advance payments, AI-powered credit decisions, and complete AR automation creates a compelling value proposition specifically designed for businesses selling on credit.

Frequently Asked Questions

What are the main differences between ResolvePay and Melio's core offerings?

ResolvePay and Melio serve fundamentally different needs in B2B payments. ResolvePay specializes in B2B net terms financing for businesses selling to other businesses, offering 100% non-recourse financing with advance payments of 90-100% within 24 hours. This enables sellers to offer credit terms while maintaining healthy cash flow and eliminating credit risk. Melio focuses on accounts payable functionality, helping businesses pay their vendors through ACH, wire, check, or credit card. ResolvePay addresses the needs of B2B sellers offering credit terms with financing and risk protection capabilities, while Melio serves businesses managing their vendor payments.

How does ResolvePay's net terms offering work for B2B sellers?

ResolvePay's net terms offering is specifically designed for B2B sellers who need to offer credit terms to their customers. It includes fees starting at 3.15% on 30-day net terms with advance payments of 90-100%, 100% non-recourse protection, and complete AR automation. Sellers can offer net 30/60/90 terms to their customers with confidence, receiving advance payment within 24 hours while ResolvePay assumes all credit risk. The platform handles credit decisions using AI-powered underwriting, manages all collections, and provides complete bad debt protection. ResolvePay enables B2B sellers to offer competitive payment terms while getting paid upfront and transferring credit risk.

What kind of businesses typically benefit most from using ResolvePay?

ResolvePay benefits B2B businesses with $1M+ annual revenue that sell to other businesses on credit terms, including manufacturers, distributors, wholesalers, and B2B e-commerce companies. These businesses need to offer net 30/60/90 terms to remain competitive while protecting cash flow and managing credit risk. Companies selling products or services to business customers who expect to pay on invoice terms find particular value in ResolvePay's non-recourse financing, advance payments, and AR automation. The platform is especially valuable for businesses experiencing growth constraints due to cash flow limitations from offering net terms, or those seeking to reduce the time and risk associated with extending credit to customers.

Does ResolvePay offer non-recourse financing, and what does that mean for my business?

Yes, ResolvePay offers 100% non-recourse financing, which means sellers bear zero risk if their customers don't pay their invoices. When you use ResolvePay, you receive advance payment of 90-100% within 24 hours on approved invoices, and ResolvePay handles all credit assessment, collections, and bad debt risk. This eliminates your exposure to customer non-payment, protects your cash flow, and allows you to offer net terms confidently without worrying about bad debt. Instead of managing credit risk internally, you transfer that risk to ResolvePay while receiving immediate payment. This enables you to focus on growing your business rather than managing collections and credit risk.

What are the integration capabilities of ResolvePay for my existing accounting or ecommerce systems?

ResolvePay offers comprehensive integration capabilities across accounting, ERP, and e-commerce platforms. For accounting, ResolvePay integrates with QuickBooks, NetSuite, Oracle, Xero, and Sage Intacct with full 2-way sync and automatic reconciliation. For e-commerce, ResolvePay provides native integrations with Shopify, BigCommerce, WooCommerce, and Magento, enabling "Pay with Net Terms" functionality directly at checkout with instant credit decisions. ResolvePay also offers flexible APIs for custom implementations and supports 135+ currencies for international transactions. The integration ecosystem ensures seamless operation across your entire B2B commerce stack, automatically syncing invoices, payments, and customer data between systems to eliminate manual data entry and reconciliation work.

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.