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.
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 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.
ResolvePay delivers a full-featured platform for B2B payment management:
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 service portfolio focuses on marketplace-specific needs:
This specialized approach serves marketplace sellers who need faster access to platform-held funds.
One of ResolvePay's most significant features is its 100% non-recourse financing model, which provides comprehensive protection for B2B merchants:
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 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.
ResolvePay offers clear, straightforward pricing for B2B invoice financing:
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 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.
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 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.
ResolvePay delivers comprehensive automation across the entire AR lifecycle:
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 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.
ResolvePay supports seamless integration with modern business technology stacks:
This integration breadth enables seamless adoption without disrupting existing workflows, ensuring that net terms and AR automation enhance rather than complicate business operations.
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.
ResolvePay prioritizes preserving merchant-customer relationships through its design:
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 focuses on streamlined onboarding and service for marketplace sellers, with responsive customer support designed specifically for the unique needs of platform-based businesses.
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:
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.
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.
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.
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.
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.
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.