ResolvePay vs Payability vs Invoiced: B2B Financing Platforms Compared

Resolve is the strongest choice for B2B suppliers that need net terms financing with upfront payment and zero credit risk. Payability is better suited for e-commerce marketplace sellers who want daily access to revenue. Invoiced wins on pure accounts receivable automation and dunning workflows for teams that already have cash flow covered and just need to streamline billing. These three platforms solve different slices of the same problem — getting paid faster — but they approach it from fundamentally different angles. This comparison breaks down exactly where each platform excels so you can match the right tool to your business model.

Key Takeaways

• Net Terms Financing: Resolve is the only platform offering 30/60/90-day net terms with upfront seller payment, making it the go-to for B2B suppliers who need to offer payment terms while maintaining healthy cash flow
• Credit Risk Protection: Resolve's non-recourse model means Resolve takes on the majority of buyer late-payment and default risk — so sellers keep their advance on approved transactions
• E-commerce Marketplace Funding: Payability is purpose-built for Amazon and marketplace sellers with daily payouts and fast qualification based on sales history
• AR Automation & Dunning: Invoiced's Smart Chasing dunning engine is rated 4.5/5 on G2 for automation, making it the strongest choice for pure billing workflow optimization
• ERP Integrations: Resolve offers broad B2B-focused integrations across QuickBooks Online, Xero, NetSuite, Sage Intacct, major ecommerce platforms, and custom APIs
• Pricing Transparency: Resolve is the only platform with fully transparent pricing and competitive non-recourse rates, according to G2 comparison data
• Ease of Use: Invoiced earns a 9.3/10 ease-of-use score on G2, with minimal training needed for finance teams
• Speed to Funding: Payability provides 24-hour approval and funding for qualified sellers, one of the fastest turnarounds in e-commerce financing
• Recurring Billing: Invoiced offers full subscription management with proration and usage-based billing for SaaS and recurring revenue models
• Customer Support: Invoiced has a 9.1/10 quality-of-support rating on G2 with responsive multi-channel support
• Multi-Currency Payments: Invoiced provides native global payment processing and multi-currency support for international billing
• Total Cost of Ownership: Resolve's flat-fee pricing provides predictable costs that scale transparently with invoice volume

Quick Overview

Resolve 

Resolve is a B2B commerce platform that lets suppliers offer net 30, 60, or 90-day payment terms to their buyers while getting paid upfront — typically within 1-2 business days. The platform handles the entire net terms lifecycle: AI-powered credit checks that approve buyers in seconds, invoice financing at advance rates up to 100%, and automated collections that chase late payments without straining your team.

Founded by executives with Affirm and PayPal backgrounds, Resolve has served over 15,000 businesses. The non-recourse model means sellers keep their advance even if a buyer defaults — Resolve absorbs the credit risk.

Payability

Payability provides working capital solutions specifically for e-commerce marketplace sellers on platforms like Amazon, Walmart, and Shopify. Its two core products — Instant Access (daily payouts of up to 80% of the previous day's revenue) and Instant Advance (lump-sum funding up to $250,000) — help sellers reinvest in inventory faster.

Payability qualifies sellers based on sales history rather than credit scores and can approve sellers within 24 hours. The platform also offers a Seller Card with 2% cashback on purchases.

Invoiced

Invoiced is a cloud-based accounts receivable automation platform that streamlines billing, collections, payment acceptance, and reconciliation. Its Smart Chasing feature automates dunning sequences with customizable messaging and escalation cadences. Invoiced integrates with QuickBooks, NetSuite, Sage Intacct, and Xero, and supports multi-currency global payments. The platform focuses on reducing DSO through workflow automation rather than financing. Companies using Invoiced report reducing their invoice-to-cash cycle by an average of two weeks.

Feature-by-Feature Comparison

Pricing Comparison

Resolve Pricing

Resolve offers the most transparent pricing of the three platforms:

• Competitive non-recourse rates that scale with term length
• Flexible advance rates up to 100% based on buyer risk profile
• No hidden fees: Transparent pricing with no setup fees, no monthly minimums — a rarity in B2B financing, as noted by G2 reviewers

For a supplier processing invoices on net-30 terms, Resolve charges a small percentage of the invoiced amount. In return, you receive payment in 1-2 business days instead of waiting 30-60 days, with zero credit risk.

Payability Pricing

Payability's pricing is structured differently depending on the product:

• Instant Access: 2% of gross sales — meaning fees are calculated before marketplace deductions, returns, and chargebacks
• Instant Advance: 0.5-1% weekly fee on the advance amount, repaid via a fixed percentage (typically 25%) of future sales

The gross-sales calculation is an important detail to understand. If your gross sales are $100,000 but net sales after Amazon fees are $70,000, the 2% fee is calculated on the full $100,000 ($2,000) — not $70,000 ($1,400). Per NerdWallet's marketplace financing guide, understanding the fee calculation basis is essential when comparing marketplace financing options.

Invoiced Pricing

Invoiced uses quote-based pricing today, with packages scoped to business size and workflow complexity:

• Pricing is custom — contact Invoiced for a quote based on users, transaction volume, and required modules
• Mid-market and enterprise teams can add capabilities like automated collections, analytics, global payments, and integrations based on scope
• Enterprise: Custom pricing for high-volume operations
• Free trial: 14 days on Basic and Advanced plans

Because Invoiced no longer publishes a standard pricing table publicly, buyers should request a quote for an accurate cost comparison. 

Platform Strengths

Resolve

• Non-recourse financing eliminates credit risk entirely — if a buyer defaults, Resolve absorbs the loss, giving sellers certainty on every advance
• Transparent pricing with competitive non-recourse rates — no hidden fees or variable calculations
• AI-powered credit engine approves buyers in seconds with real-time risk profiles and recommended credit limits
• Deep ERP integrations with bi-directional sync reduce manual reconciliation by up to 90%
• Full AR lifecycle from credit check through collections in a single platform
• Proven scale with 15,000+ businesses and backing from Affirm/PayPal alumni
• White-label buyer portal maintains your brand identity throughout the payment experience
• Flexible advance rates up to 100% let you balance cost versus cash flow based on your needs
• E-commerce platform integrations with Shopify, BigCommerce, Magento, and WooCommerce

Payability

• Sales-history-based qualification — approval is based on marketplace performance rather than credit scores, making it accessible to a wider range of sellers
• 24-hour funding for qualified sellers is among the fastest in the e-commerce financing space
• Daily payouts through Instant Access improve cash flow predictability for inventory-heavy sellers
• Early repayment rebates reward sellers who pay back advances ahead of schedule
• Seller Card provides 2% cashback on all purchases, adding value beyond the core financing product
• Lump-sum advances up to $250,000 available through the Instant Advance product
• Designed specifically for the marketplace seller workflow and payout cycle

Invoiced

• Best-in-class ease of use with a 4.5/5 G2 score — minimal training needed for finance teams
• Smart Chasing dunning automation reduces manual collections effort and accelerates payment through customizable escalation sequences
• Strong customer support rated 9.1/10 on G2 with responsive chat, email, and phone channels
• Flexible ERP integrations including QuickBooks, NetSuite, Sage Intacct, and Xero
• Multi-currency and global payments support international billing workflows across geographies
• 14-day free trial lets teams evaluate the platform before committing
• Full subscription billing management with proration, usage-based billing, and recurring invoices
• Customer self-service portal for payment management and invoice access

Who Should Choose Resolve

Resolve is the right choice if your business matches these profiles:

• B2B suppliers waiting 30-90 days for payment who want to get paid in 1-2 business days without chasing invoices — the working capital improvement alone can fund growth initiatives, hire new team members, or increase inventory orders
• Manufacturers and distributors offering net terms to buyers who need credit decisions made instantly — not in days or weeks — to keep the sales cycle moving
• Companies that want zero credit risk exposure — Resolve's non-recourse model means you keep your advance even if a buyer defaults, providing certainty that traditional factoring arrangements typically cannot match
• Finance teams drowning in manual AR who need a platform that handles credit checks, invoicing, collections, and ERP reconciliation in one place, reducing headcount needs while improving accuracy
• Businesses scaling their buyer base that need automated credit assessments to approve new accounts without adding headcount — essential for companies adding 10+ new buyer accounts per month
• Mid-market suppliers competing with larger players — offering net terms is a competitive advantage that Resolve makes possible without the cash flow risk, per Investopedia's analysis of trade credit

If shrinking DSO from 60 days to 1 day while eliminating bad debt risk is the priority, Resolve's net terms platform is purpose-built for that outcome.

Who Should Choose Payability

Payability is the right choice for a specific but well-defined use case:

• Amazon and marketplace sellers who need daily access to revenue rather than waiting for marketplace payout cycles — particularly valuable during peak inventory seasons
• E-commerce businesses with strong sales velocity ($10K+/month) that need working capital to fund inventory purchases quickly and capitalize on seasonal opportunities
• Sellers who prefer qualification based on sales history — Payability's sales-history-based qualification model makes it accessible to sellers at various stages
• Marketplace-native businesses that operate primarily through Amazon, Walmart, or similar platforms and want financing that integrates with their existing seller workflow
• Sellers who want cashback rewards — the Seller Card's 2% cashback adds value on everyday business purchases

Payability is well-suited for marketplace sellers who prioritize speed of funding and daily cash flow predictability. The 24-hour funding and daily payout model is designed specifically for the marketplace seller workflow where inventory reinvestment timing is critical to growth.

Who Should Choose Invoiced

Invoiced is the right choice for teams focused on AR workflow efficiency:

• Finance teams that already have adequate cash flow but spend too many hours on manual billing, payment reminders, and collections — Invoiced's automation can reclaim significant hours per week
• Businesses with complex recurring billing — subscription models, usage-based pricing, proration — that need automated invoice generation with flexible billing logic
• Companies needing strong dunning automation to reduce DSO through systematic follow-up with customizable escalation cadences and messaging templates
• International businesses processing multi-currency payments that need a unified billing platform supporting global payment methods
• Small to mid-size teams that prioritize ease of use and quick onboarding — Invoiced's 9.3/10 G2 usability score reflects a genuinely intuitive interface
• Companies with self-service payment needs — Invoiced's customer portal lets buyers manage their own invoices and payments, reducing support volume

Invoiced is a strong AR automation platform that earns its G2 ratings. If your core problem is billing and collections workflow inefficiency, Invoiced handles that well at a reasonable price point with excellent usability.

Final Verdict

For B2B suppliers, manufacturers, and distributors, the comparison comes down to what problem you are actually solving.

If cash flow is the problem — you are waiting 30-90 days for buyer payments and need capital now — Resolve is the clear winner. It is the only platform in this comparison that finances your invoices, offers structured net terms to buyers, and absorbs credit risk entirely, invoice financing platforms that combine non-recourse protection with AR automation deliver the highest value for B2B suppliers.

If AR workflow efficiency is the problem — you have cash but your team spends hours on manual invoicing and collections — Invoiced delivers excellent automation at a competitive price. Its dunning capabilities and ease of use are genuinely best-in-class per TrustRadius and G2 ratings.

If you sell on Amazon or e-commerce marketplaces — Payability's daily payout model and sales-history-based qualification fill a real gap in marketplace seller financing that general B2B platforms do not address.

For most B2B companies reading this comparison, Resolve addresses the highest-impact problem: getting paid now instead of later, without carrying the risk of buyer default. The combination of net terms financing, AI-powered credit checks, and automated AR in a single platform makes it the most comprehensive solution for B2B payment operations.

See how Resolve works →

Frequently Asked Questions 

Does Resolve actually pay you upfront, or is it just faster invoicing?

Resolve pays sellers upfront — typically within 1-2 business days of invoice approval. This is actual financing, not just workflow acceleration. Resolve advances up to 100% of the invoice value based on the buyer's risk profile and then collects from the buyer when the net terms expire. If the buyer defaults, Resolve absorbs the loss under its non-recourse model. Per Investopedia's guide to invoice financing, this structure provides the most complete cash flow protection available in B2B financing.

Can Payability be used for B2B wholesale businesses?

Payability is designed specifically for e-commerce marketplace sellers on platforms like Amazon and Walmart. It is purpose-built for the marketplace seller workflow, where underwriting is based on marketplace revenue data and payout cycles. Traditional B2B wholesale, manufacturing, or distribution businesses that invoice customers directly would find Resolve's net terms platform to be a better match, as it is designed for direct B2B invoicing relationships.

Does Invoiced offer any form of invoice financing or cash advances?

Invoiced is an accounts receivable automation platform focused on billing, collections, dunning, and payment acceptance. It excels at streamlining the AR workflow — automating reminders, managing escalations, and processing payments. If your primary need is to access cash before customers pay, a financing solution like Resolve provides the capital acceleration that complements Invoiced's workflow automation capabilities.

How do the effective costs compare across all three platforms?

For a B2B supplier processing $100,000/month in invoices: Resolve charges competitive non-recourse rates and you receive payment in 1-2 days with non-recourse protection. Payability's Instant Access costs $2,000/month at 2% of gross sales — with effective rates against net revenue varying based on your gross-to-net ratio. Invoiced's Basic plan starts at $100/month and provides excellent AR automation without the financing component. The comparison depends on whether your primary need is cash flow acceleration, marketplace revenue access, or billing workflow optimization.

Can I use Resolve and Invoiced together?

While both platforms handle aspects of accounts receivable, Resolve provides a complete AR solution — from credit checks through collections — plus financing. Invoiced focuses on billing automation and dunning. For most B2B companies, Resolve covers the full AR lifecycle including the financing component. However, businesses with complex subscription billing needs alongside B2B net terms might find value in using Invoiced for recurring billing while using Resolve for net terms financing on one-time and purchase-order-based transactions.

What are the minimum requirements to qualify for each platform?

Resolve requires that you operate a B2B business with invoiced sales — there is no strict revenue minimum, and the credit assessment focuses on your buyers rather than your business. Payability requires at least 9 months of marketplace selling history and minimum average monthly sales of $10,000, with qualification based on sales performance. Invoiced has no qualification requirements beyond paying the subscription fee — it is a SaaS tool available to any business that needs AR automation.

Which platform integrates best with my existing ERP?

Resolve offers the deepest B2B-focused ERP integrations, including bi-directional sync with QuickBooks, NetSuite, Oracle, and Sage Intacct, plus e-commerce platforms like Shopify and BigCommerce. Invoiced integrates with QuickBooks, NetSuite, Sage Intacct, and Xero — strong coverage for AR workflows. Payability focuses on marketplace platform integrations (Amazon, Walmart, Shopify) rather than traditional ERP systems. ERP integration depth is a critical factor in AR platform ROI because it determines how much manual reconciliation work gets eliminated.

How do these platforms handle customer notifications?

Resolve uses a white-label approach — your buyers interact with your brand throughout the payment process via a branded buyer portal, so the financing arrangement is seamless. Payability handles marketplace payouts behind the scenes without customer-facing notifications. Invoiced sends branded communications on your behalf through customizable email templates and a customer self-service portal.

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.