ResolvePay vs Melio vs Settle

For finance teams comparing B2B payment platforms in 2026, the real question is not which tool has the longest feature list. It is which platform solves the cash-flow bottleneck that is actually slowing growth. Resolve Pay is built for B2B sellers that want to offer net terms, accelerate cash flow, and reduce the operational burden of receivables. Melio is centered on bill pay and accounts payable workflows for small businesses and accountants. Settle is designed around procurement, payables, and inventory-related financing for CPG and ecommerce brands. Those are adjacent jobs, but they are not the same job.

That distinction matters because receivables, payables, and inventory financing create very different operational pressures. Global B2B payment volume continues to expand, and fraud pressure remains elevated, which raises the cost of manual finance workflows and fragmented payment systems. Meanwhile, Xero’s acquisition of Melio changed the AP software landscape, and Settle continues to position itself around inventory operations and working capital for consumer brands. For businesses that extend trade credit, the most important requirement is still getting paid quickly without turning the finance team into a manual credit and collections department. That is where Resolve Pay stands apart: it combines net terms, accounts receivable automation, credit workflows, and payment infrastructure in one platform built for B2B sellers.

Key Takeaways

• Resolve Pay fits B2B sellers best: It is purpose-built for merchants, manufacturers, wholesalers, and distributors that want to offer net terms while getting paid faster and reducing receivables friction.
• Melio focuses on bill pay workflows: It is best understood as an AP platform for paying vendors, managing approvals, and syncing payment activity with accounting systems.
• Settle is built for inventory-heavy brands: Its core strength is combining procurement, AP, and working-capital workflows for CPG and ecommerce operators.
• The category difference matters more than feature overlap: A platform designed for receivables solves a different problem than one designed for payables or inventory purchasing.
• Resolve Pay is the strongest fit when trade credit drives growth: If your team extends payment terms to buyers, Resolve Pay addresses underwriting, invoicing, collections, and payment workflows in one system.
• Implementation should follow your cash-flow bottleneck: Choose the platform that matches the side of the ledger creating the most operational drag, then optimize from there.

Why teams compare Resolve Pay vs Melio vs Settle

The B2B payments market is projected to reach significant global transaction volume by 2026. At the same time, the 2025 AFP survey highlighted that payment fraud pressure remains widespread. Those two trends push finance leaders toward platforms that do more than move money.

Three changes make this comparison especially relevant:

Shifting cash-flow priorities

Many B2B sellers still offer 30-, 60-, or 90-day terms, which means growth often comes with slower collections and more AR workload. Resolve Pay is designed for that challenge through AR automation, business credit checks, invoicing, and payment workflows in one environment.

Melio’s role changed under Xero

Xero announced its agreement to acquire Melio in June 2025, and by March 2026 it had begun launching bill-pay functionality powered by Melio inside Xero. That reinforces Melio’s role as an AP and bill-pay product inside a broader accounting ecosystem rather than a net-terms platform for B2B sellers.

Embedded finance is expanding into operations

Settle’s partnership with Cin7 and its product positioning around procurement, AP, and working capital show how embedded finance is moving deeper into inventory and purchasing workflows. Resolve Pay follows a different path: embedding credit, payments, and receivables into the B2B sales process so sellers can extend terms without carrying the same manual burden internally.

Resolve Pay vs Melio vs Settle

Resolve Pay: net terms, receivables automation, and embedded B2B payments

Resolve Pay is a B2B payments and net terms platform built for sellers that want to grow revenue without tying up working capital in receivables. Its platform combines net terms management, credit decisioning, invoicing, reconciliation, collections, and payment acceptance in one workflow. For merchants, manufacturers, wholesalers, and distributors, that means being able to offer terms while keeping finance operations tighter and cash flow more predictable.

A major reason Resolve Pay stands out in this comparison is product fit. Melio is designed around paying vendors. Settle is designed around inventory procurement and AP. Resolve Pay is designed around helping sellers get paid faster while maintaining a better buyer experience.

Key features

• Embedded net terms: Offer payment terms in ecommerce, sales-assisted, and hybrid B2B workflows
• Receivables automation: Manage invoices, reminders, and collections through accounts receivable tools
• Credit workflows: Use business credit checks and underwriting support to evaluate buyers
• Payment infrastructure: Accept ACH, wire, card, and check through a branded payment experience
• Integration support: Connect with accounting, ERP, and commerce systems through the integrations suite
• Factoring alternative positioning: Resolve Pay presents itself as a better than factoring option for sellers that want a modern credit-to-cash workflow

Best for

Resolve Pay is the best fit for B2B sellers that extend trade credit and want to improve cash flow without building a larger in-house credit and collections operation. It is especially relevant for teams that need to connect payments with invoicing, buyer approvals, and reconciliation instead of treating each workflow as a separate tool.

Melio: accounts payable and bill pay for small businesses

Melio is best understood as an AP and bill-pay platform for small businesses, accountants, and bookkeepers. Its core value is making vendor payments easier to schedule, approve, and sync with accounting workflows. Xero’s acquisition activity around Melio reinforces that positioning: Melio helps manage payables and bill payments, not seller-side net terms programs.

Melio remains relevant in this comparison because some businesses evaluating Resolve Pay are also trying to modernize payables. That is a valid adjacent use case, but it is still a separate use case from offering credit terms to customers.

Key features

• Vendor bill payments: Pay suppliers through multiple payment methods
• Accounting connectivity: Deep alignment with SMB accounting workflows
• Approval and team workflows: Useful for small finance teams and external accountants
• International payment support: Supports international payments in USD and selected foreign currencies for eligible businesses

Best for

Melio is best for small businesses whose primary need is paying bills more efficiently. If the main bottleneck is AP administration, it can be a practical fit. If the bottleneck is extending terms to buyers and managing receivables, Resolve Pay is the more relevant platform.

Settle: procurement, AP, and working capital for CPG brands

Settle is a finance operations platform for inventory-led brands, especially in CPG and ecommerce. Its product centers on procurement, AP, landed costs, and working capital tied to inventory purchasing. On its site, Settle positions itself around helping brands purchase, finance, and pay for inventory, which makes it structurally different from a net-terms platform for B2B sellers.

This matters because a company buying large volumes of inventory has a different operational problem than a wholesaler trying to offer trade credit to downstream buyers.

Key features

• Procure-to-pay workflows: Purchase orders, approvals, and supplier payment coordination
• Inventory operations: Landed cost visibility and purchasing controls
• Working capital access: Financing tied to inventory and supplier payment timing
• CPG orientation: Tailored for consumer brands rather than general B2B trade-credit workflows

Best for

Settle is best for CPG and ecommerce brands that want procurement and supplier-payment software connected to inventory planning. It is not a substitute for a seller-focused receivables and net-terms platform.

Feature-by-feature comparison

Where Resolve Pay stands apart

The most important difference in this comparison is not who has the most features. It is whether the platform is built for the seller side of the transaction.

Resolve Pay stands apart because it combines several jobs that B2B sellers usually manage across separate systems:

• Offer net terms to approved buyers
• Run credit workflows without adding friction
• Automate invoicing and collections through receivables workflows
• Improve the cash-flow impact of receivables with a modern B2B payments platform
• Reduce reliance on older financing structures by using a factoring alternative

That is the reason Resolve Pay is the strongest fit for manufacturers, distributors, wholesalers, and merchants that sell on terms.

How to think about the right fit

If your company is comparing these three platforms, start with the operational bottleneck rather than the category label.

Choose Resolve Pay when receivables are the bottleneck

Resolve Pay is the right fit when growth is being constrained by slower collections, manual buyer approvals, invoice follow-up, or the operational complexity of offering terms.

Choose an AP platform when vendor payments are the bottleneck

If the main issue is paying suppliers, routing approvals, or syncing outgoing payments with accounting records, an AP-first workflow may be the better starting point.

Choose an inventory operations platform when purchasing is the bottleneck

If the business is inventory-led and the biggest challenge is procurement, landed cost visibility, or supplier-payment timing around stock purchases, an inventory-oriented platform may be more relevant.

Final verdict

In this comparison, the strongest choice depends on which side of the cash-flow cycle needs the most attention. But for B2B sellers that extend payment terms to buyers, Resolve Pay is the clear fit.

It is purpose-built for the trade-credit workflow: buyer approvals, invoicing, collections, payments, and receivables management. Instead of piecing together separate tools for credit, AR, and payment collection, sellers can manage those workflows in one system built around B2B commerce.

That is why Resolve Pay is the strongest option in this comparison for merchants, manufacturers, wholesalers, and distributors. If your goal is to offer terms, support buyer purchasing power, and get paid faster with less manual receivables work, Resolve Pay is the platform aligned to that outcome.

To explore the seller-side workflow in more detail, start with net terms, accounts receivable, or the broader B2B payments platform.

Frequently asked questions

What is the main difference between Resolve Pay, Melio, and Settle?

Resolve Pay is built for B2B sellers that want to offer net terms and streamline receivables. Melio is centered on bill pay and AP workflows. Settle is built around procurement, supplier payments, and inventory-related finance operations.

Why is Resolve Pay a stronger fit for manufacturers, wholesalers, and distributors?

These businesses often need to extend trade credit while keeping cash flow stable. Resolve Pay is designed for that exact workflow through net terms, receivables automation, payment collection, and buyer credit support.

Does Resolve Pay support more than just net terms?

Yes. Resolve Pay also supports accounts receivable automation, business credit checks, payment collection workflows, and integrations across finance and commerce systems.

Is Resolve Pay only for ecommerce sellers?

No. Resolve Pay is designed for ecommerce, traditional sales, marketplace, and hybrid B2B environments. Its product positioning is broader than checkout alone and extends across the credit-to-cash workflow.

What should I evaluate first when choosing a B2B payments platform?

Start with the workflow causing the most friction. If the issue is receivables and trade credit, prioritize Resolve Pay. If the issue is vendor payments or procurement, evaluate tools built for those operational jobs instead.

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.