ResolvePay vs Payability

When B2B businesses need to accelerate cash flow while offering flexible payment terms to customers, choosing the right financing platform becomes a critical strategic decision. Two prominent options—ResolvePay and Payability—serve different market segments with distinct approaches to business financing. Payability specializes in marketplace seller payout acceleration, while ResolvePay offers a comprehensive B2B net terms and accounts receivable automation platform designed specifically for invoice-based businesses. This comparison examines how ResolvePay's non-recourse model and comprehensive B2B features deliver value for manufacturers, wholesalers, and distributors seeking to grow sales while managing credit risk effectively.

Key Takeaways

ResolvePay delivers 100% non-recourse financing with fees starting at 3.15% USD on net invoice amounts for 30-day terms, protecting B2B businesses from bad debt exposure
B2B businesses benefit from ResolvePay's comprehensive platform offering accounts receivable automation, AI-powered credit decisions, and flexible net terms (15-90 days) for invoice-based sales
ResolvePay provides up to 100% advance rates with zero bad debt risk transferred to merchants
ResolvePay's AI-powered AR automation can reduce manual work by 50-90%, streamlining collections and reconciliation processes
ResolvePay's white-label payment portal preserves customer relationships while maintaining brand consistency throughout the payment experience

Understanding each company's core positioning

Payability's marketplace focus

Payability positions itself as a payout acceleration service for marketplace sellers on platforms including Amazon, Walmart, Shopify, and Newegg. Founded in 2014 and based in New York, Payability has deployed over $5 billion to marketplace entrepreneurs since inception. The company serves thousands of businesses and focuses on converting extended marketplace payout cycles into faster access to funds through its marketplace data integration capabilities.

ResolvePay's B2B invoice platform

ResolvePay takes a different approach, specializing in B2B net terms financing and accounts receivable automation for invoice-based businesses. Founded in 2019 by former Affirm executives, ResolvePay serves over 12,000 businesses across manufacturing, wholesale, and distribution sectors. The platform combines credit expertise, invoice financing, and payments into a unified solution. ResolvePay's guiding product vision centers on being simple, relational, and embedded—acting as a "credit team on tap" for B2B companies.

The fundamental market distinction is clear: Payability serves marketplace sellers, while ResolvePay empowers B2B invoice-based businesses with comprehensive net terms and AR automation capabilities.

Service offerings reflect distinct market approaches

ResolvePay's comprehensive B2B solution

ResolvePay delivers a full-featured platform for B2B payment management:

Offer Net Terms and Grow Your Revenue with 15/30/45/60/90 day flexible payment options
Get paid in 1 day instead of 60 with advance rates up to 100% of invoice value
AI-powered credit decisions delivering instant approvals up to $25,000 USD
Streamline net terms, reconciliation, and invoicing with comprehensive AR automation
White-label payment portal accepting ACH, credit card, wire, and check payments
Free business credit checks with fast turnaround times

This comprehensive approach addresses the complete B2B payment lifecycle, from initial credit assessment through final payment collection. For example, ResolvePay enables businesses to offer extended payment terms while receiving immediate payment, transforming net terms from a cash flow constraint into a competitive sales advantage. According to research, extended payment terms are increasingly important in B2B commerce, with customers reporting significant increases in average order value when flexible payment options are available.

Payability's marketplace acceleration

Payability's service portfolio focuses on marketplace-specific needs:

Accelerated access to marketplace funds from supported platforms
Revenue-based financing for marketplace sellers
Integration with major marketplace platforms
Collections management tailored to marketplace business models

This specialized approach serves marketplace sellers who need faster access to platform-held funds.

Risk models: Non-recourse protection vs. traditional financing

ResolvePay's non-recourse advantage

One of ResolvePay's most significant features is its 100% non-recourse financing model, which provides comprehensive protection for B2B merchants:

Zero merchant liability for approved invoice defaults
Merchants keep their advances even if customers fail to pay
ResolvePay handles all credit assessment, underwriting, and collections internally
All cash advances are non-recourse, so funds advanced are yours to keep
Expert team—with backgrounds from Amazon, PayPal, and Fortune 500 firms—delivers sophisticated credit analysis

This risk-free approach transforms credit management from a potential liability into a growth enabler. According to the U.S. Small Business Administration, managing cash flow effectively is critical for business growth, and non-recourse financing eliminates one of the primary risks in B2B commerce. For B2B businesses where bad debt rates can reach 8-10% in some cases, ResolvePay's non-recourse model can potentially eliminate significant annual bad debt exposure.

Payability's financing approach

Payability operates with a different risk model suited to its marketplace seller audience, where the merchant retains responsibility for underlying sales performance. The fee structure is calculated based on gross marketplace sales.

Pricing structures and transparency

ResolvePay's transparent B2B pricing

ResolvePay offers clear, straightforward pricing for B2B invoice financing:

Fees starting at 3.15% USD for 30-day net terms on actual invoice amounts
Advance rates of 50%, 75%, or 100% based on customer creditworthiness
No setup fees, monthly minimums, or hidden charges
Fees apply only to approved, funded invoices
Predictable costs that scale with usage

For example, on a $10,000 USD invoice with 30-day terms, ResolvePay's fee would start around $315 USD, providing clear visibility into financing costs. This transparency enables accurate financial planning and ROI calculation.

Payability's marketplace pricing

Payability structures its pricing around marketplace seller needs, with fees typically ranging from 1-2% calculated on gross sales volumes before returns and marketplace deductions are applied.

Target customers and ideal use cases

ResolvePay for B2B invoice businesses

ResolvePay serves B2B manufacturers, wholesalers, and distributors with invoice-based sales models. The platform is designed for organizations that typically have $1M+ annual B2B revenue and need to offer competitive payment terms while protecting cash flow. ResolvePay clients include companies like ConEquip and Archipelago—businesses that have achieved substantial growth through strategic net terms implementation, with documented results including helping one client triple revenue and another achieve 30% year-over-year growth.

Payability for marketplace sellers

Payability primarily serves sellers operating on Amazon, Walmart, Shopify, and Newegg who need faster access to marketplace-held funds. These businesses benefit from converting extended marketplace payout cycles into next-day liquidity.

The market segmentation is clear: for businesses operating in both B2B invoice sales and marketplace channels, each platform serves a distinct need.

Technology and automation capabilities

ResolvePay's AI-powered automation

ResolvePay delivers comprehensive automation across the entire AR lifecycle:

AI agents manage workflows, automate payment reminders, and reduce friction in collections
LLM-powered invoicing workflow ensures transactions sync and reconcile automatically
50-90% reduction in manual AR work through intelligent automation
AI-driven platform automates the complete net terms workflow from invoice generation to payment
Real-time transaction data mapping with automatic QuickBooks syncing
Instant credit decisions powered by AI with minimal paperwork

This automation advantage translates directly to operational efficiency, with customers reporting decreased work requirements up to 90%, eliminating the need for dedicated AR staff and enabling finance teams to focus on strategic initiatives. According to research on accounts receivable management, AR automation is increasingly critical for B2B businesses seeking to scale efficiently.

Payability's marketplace integration

Payability focuses its technology on marketplace data integration, providing streamlined connections to supported marketplace platforms with reporting and payout tracking capabilities designed specifically for seller needs.

Integration ecosystems

ResolvePay's comprehensive B2B integrations

ResolvePay supports seamless integration with modern business technology stacks:

Direct integration with ERP and accounting software including QuickBooks, NetSuite, Xero, Sage Intacct, and Oracle
E-commerce platform connectors for Shopify, BigCommerce, WooCommerce, and Magento
Flexible APIs with technical support for custom integrations
Bi-directional sync enabling real-time transaction data flow
Auto-import of customer information from existing systems
Checkout extensions for embedding Net 30, 60, or BNPL directly into e-commerce experiences

This integration breadth enables seamless adoption without disrupting existing workflows, ensuring that net terms and AR automation enhance rather than complicate business operations.

Payability's marketplace connections

Payability provides integrations focused on its core marketplace platforms, including connections to Amazon, Walmart, Shopify, and Newegg seller accounts for data access and payout management.

Customer experience and relationship management

ResolvePay's white-label approach

ResolvePay prioritizes preserving merchant-customer relationships through its design:

White-label payment portal maintains your brand identity throughout the payment experience
Branded customer interface with professional payment processing
Dedicated AR and credit team serving as your "credit team on tap"
Flexible invoicing via email and buyer dashboard options
Professional collections management that maintains positive customer relationships
Self-branded payment portal accepting credit cards, ACH, wires, and checks

The relationship preservation aspect is particularly valuable for B2B businesses where long-term customer relationships drive recurring revenue. ResolvePay's white-label approach ensures customers interact exclusively with the merchant's brand throughout the payment journey.

Payability's marketplace seller experience

Payability focuses on streamlined onboarding and service for marketplace sellers, with responsive customer support designed specifically for the unique needs of platform-based businesses.

Why ResolvePay serves B2B invoice-based businesses effectively

B2B invoice-based businesses face unique challenges that require specialized solutions. Companies need to offer competitive payment terms to win business while protecting their own cash flow and managing credit risk effectively.

ResolvePay's comprehensive B2B platform addresses these needs through several key advantages:

Complete risk elimination: 100% non-recourse financing removes bad debt concerns entirely, potentially saving substantial amounts annually for businesses with typical credit-based sales volumes
Transparent, predictable pricing: Fees starting at 3.15% USD for 30-day terms on actual invoice amounts provide clear cost visibility for financial planning
Operational efficiency: 50-90% reduction in AR workload eliminates the need for dedicated collections staff, reducing overhead costs significantly
Sales growth enablement: Flexible net terms (15-90 days) can increase average order value substantially while maintaining immediate merchant payment
Comprehensive platform: Full AR automation, credit assessment, and payment processing integrated into a single solution

For B2B businesses with invoice-based sales models, ResolvePay represents a modern platform for net terms management and AR automation. The combination of non-recourse protection, transparent pricing, AI-powered automation, and comprehensive integrations creates a compelling value proposition specifically designed for wholesale, manufacturing, and distribution business models.

Frequently Asked Questions

What is the main difference between ResolvePay and Payability in terms of service offering?

ResolvePay and Payability serve different markets with distinct needs. ResolvePay provides comprehensive B2B net terms financing and accounts receivable automation for invoice-based businesses, offering non-recourse financing, AI-powered credit decisions, and flexible payment terms from 15 to 90 days. Payability serves marketplace sellers on platforms like Amazon, Walmart, Shopify, and Newegg with payout acceleration services that convert extended platform payout cycles into faster access to funds. For B2B businesses with traditional invoicing needs, ResolvePay offers specialized capabilities designed for this market.

How does ResolvePay's AI automation for accounts receivable work?

ResolvePay offers a comprehensive AI-powered accounts receivable automation platform featuring AI agents that manage workflows, automate payment reminders, and streamline collections processes. The platform uses advanced language models to automate the entire net terms workflow from invoice generation through payment reconciliation, delivering 50-90% reduction in manual AR work. This includes automated invoice syncing, real-time reconciliation with accounting systems like QuickBooks, and intelligent payment tracking that eliminates the need for dedicated AR staff in many cases.

Does ResolvePay provide non-recourse funding for B2B businesses?

Yes, ResolvePay offers 100% non-recourse financing for B2B invoice-based businesses. This means merchants keep their advances even if approved customers default on invoices, with ResolvePay handling all credit risk, underwriting, and collections. The non-recourse model eliminates bad debt exposure for merchants, transforming credit from a potential liability into a growth enabler. ResolvePay's expert team—with backgrounds from companies like Amazon, PayPal, and Fortune 500 firms—manages the entire credit process while merchants maintain zero liability for approved invoice defaults.

What are the typical fees for ResolvePay on a 30-day net terms invoice?

ResolvePay's pricing starts at 3.15% USD for 30-day net terms, calculated on the actual invoice value. Advance rates range from 50% to 100% of the invoice amount depending on customer creditworthiness. For example, on a $10,000 USD invoice with 30-day terms, the fee would start around $315 USD. ResolvePay has no setup fees, monthly minimums, or hidden charges—fees apply only to approved, funded invoices, providing transparent and predictable costs that scale with your business.

Which platform offers better integration with existing eCommerce and accounting systems?

ResolvePay provides comprehensive integration capabilities designed for B2B businesses, with direct connections to major accounting platforms including QuickBooks, NetSuite, Xero, Sage Intacct, and Oracle. The platform also integrates with e-commerce systems like Shopify, BigCommerce, WooCommerce, and Magento, along with flexible APIs for custom integrations. These bi-directional integrations enable real-time transaction data syncing, automated invoice reconciliation, and seamless workflow integration. ResolvePay's checkout extensions even allow businesses to embed Net 30, 60, or BNPL options directly into their existing e-commerce experiences.

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.