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.
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 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).
Melio's service portfolio focuses on vendor payments and basic accounting integration:
This approach serves businesses needing to streamline their accounts payable processes.
ResolvePay's services focus on empowering B2B sellers with comprehensive credit and cash flow solutions:
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.
The pricing structures reveal each company's target market and service philosophy.
Melio's pricing structure:
ResolvePay's pricing structure:
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.
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 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.
Both companies showcase results, but the nature and scope of these results differ significantly based on their different service focuses.
Melio's results focus on AP efficiency:
ResolvePay's results emphasize business growth and cash flow transformation:
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.
Melio's methodology centers on simplifying vendor payments:
ResolvePay's approach emphasizes comprehensive B2B credit management:
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.
Melio's integrations focus on accounting connectivity:
ResolvePay's integrations span the entire B2B commerce ecosystem:
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.
Melio's approach focuses on payment facilitation:
ResolvePay's risk management capabilities:
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.
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:
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.
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.
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.
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.
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.
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.