ResolvePay vs PaySimple

When B2B companies need to optimize their payment infrastructure, the choice between ResolvePay and PaySimple represents a fundamental decision about business model alignment. Both platforms offer valuable payment solutions designed for distinctly different markets with specialized capabilities. ResolvePay serves B2B manufacturers, wholesalers, and distributors who need to offer net terms financing while protecting cash flow and eliminating credit risk. This comprehensive comparison reveals why ResolvePay's embedded finance approach delivers exceptional value for B2B commerce companies seeking to grow revenue and streamline complex financial workflows.

Key Takeaways

• ResolvePay specializes in B2B net terms financing and AR automation with non-recourse invoice advances up to 90-100%, while PaySimple focuses on service business payment processing with recurring billing and mobile payments
• B2B manufacturers, wholesalers, and distributors benefit significantly from ResolvePay's AI-powered credit decisions and cash flow acceleration, receiving payment in 1-2 days instead of 30-90 days
• ResolvePay's 3.15% USD flat fee on 30-day net terms includes comprehensive AR automation, credit risk elimination, and invoice advances, while PaySimple has a monthly platform fee plus transaction fees with different service capabilities
• Companies with $1M+ annual B2B revenue gain substantial ROI from ResolvePay through a 1.5x average order value increase, 5x revenue growth potential, and an estimated 14+ hours/week saved on AR management
• ResolvePay integrates with enterprise platforms like NetSuite and BigCommerce for seamless B2B commerce, while PaySimple serves service businesses with HIPAA compliance and appointment scheduling features

Understanding each platform's core market focus

ResolvePay and PaySimple operate in fundamentally different business segments, each serving specific market needs with purpose-built solutions. Understanding these distinctions is critical for companies making the right platform choice.

ResolvePay's market positioning centers on B2B commerce companies with $1M+ annual B2B revenue. The platform specializes in net payment terms financing, accounts receivable automation, and credit risk elimination for manufacturers, wholesalers, and distributors. According to U.S. Census Bureau data, B2B e-commerce represents trillions in annual transactions, with net terms being a standard expectation in wholesale and manufacturing sectors. With over 12,000 B2B businesses using their platform, ResolvePay has established itself as a leading solution for B2B companies that need to offer competitive payment terms without sacrificing cash flow or taking on credit risk. Their B2B Net Terms solution directly addresses the core challenge of B2B commerce: enabling customers to buy now while ensuring sellers get paid immediately.

PaySimple's market focus targets service-based businesses including contractors, healthcare providers, fitness studios, and other consumer-facing service companies. Founded in 2005 and now part of EverCommerce, PaySimple offers recurring billing, mobile payment processing, and appointment scheduling for businesses that primarily serve individual consumers. Their platform includes HIPAA compliance for healthcare providers and point-of-sale functionality for field service businesses.

The fundamental difference lies in transaction type and business model: ResolvePay handles B2B invoices with 30-90 day terms and provides working capital financing, while PaySimple processes service payments with different timing and requirements.

Feature comparison reveals specialized capabilities

The feature sets of these platforms reflect their different market focuses, with each excelling in their respective domains.

ResolvePay's B2B-specific features include:

• Non-recourse invoice financing with advances of up to 90-100% on approved invoices
• AI-powered credit decisions with results in minutes to 24 hours
• Net terms offerings (30, 60, 90 days) with instant buyer approval
• Advanced AR automation saving an estimated 14+ hours/week on manual processes
• White-label payment portal maintaining your brand throughout the customer experience
• Enterprise integrations with NetSuite, Oracle, and major B2B ecommerce platforms

These capabilities address the unique challenges of B2B commerce, where extended payment terms are standard practice.

PaySimple's service business features include:

• Recurring billing automation for subscriptions and memberships
• Mobile payment processing with field service optimization
• HIPAA-compliant billing for healthcare providers
• Appointment scheduling integrated with payment processing
• Point-of-sale functionality for in-person transactions
• Consumer-focused payment portal with branding options

For B2B companies, the critical differentiator is ResolvePay's non-recourse financing model. ResolvePay advances up to 90-100% of invoice value within 1-2 business days and assumes all credit risk if customers default. This addresses a fundamental need in B2B commerce that traditional payment processors are not designed to handle.

Pricing models reflect different value propositions

The pricing structures of both platforms align with their respective market focuses and service offerings.

ResolvePay's pricing model is based on a flat fee of approximately 3.15% USD on 30-day net terms invoices, with variations for different term lengths.

ResolvePay's fee includes:

• Invoice advance of up to 90-100% within 1-2 business days
• Complete AR automation and payment reconciliation
• AI-powered credit decisions and risk assessment
• White-label payment portal and customer experience
• No monthly fees, setup costs, or minimum requirements

For example, on a $10,000 USD invoice with 30-day net terms, ResolvePay's fee structure provides an advance of $9,000-$10,000 USD immediately, with zero risk to the merchant if the customer defaults.

PaySimple's pricing structure typically includes:

• A monthly platform fee for access to core features
• Per-transaction fees for credit card processing
• ACH transaction fees
• Additional fees for specialized features

The value propositions differ significantly: ResolvePay provides working capital financing and risk elimination as core components of their service, while PaySimple offers payment processing and operational tools designed for service business workflows.

Target customers determine optimal platform choice

The ideal customer profiles for each platform reveal why business model alignment is crucial for success.

ResolvePay serves B2B commerce companies that:

• Have $1M+ annual B2B revenue as a minimum requirement
• Sell products to other businesses on credit terms
• Need to offer net 30, 60, or 90-day payment terms
• Require working capital to fund operations while waiting for customer payments
• Want to eliminate bad debt risk from customer defaults
• Operate in manufacturing, wholesale, distribution, or B2B ecommerce

Notable ResolvePay customers include Lift Foils, ConEquip, and Archipelago, all of which have achieved significant growth through ResolvePay's net terms financing and AR automation capabilities.

PaySimple serves service businesses that:

• Provide services to individual consumers or businesses
• Need recurring billing for subscriptions or memberships
• Require mobile payment processing for field service
• Operate in healthcare, fitness, home services, or professional services
• Need HIPAA compliance or appointment scheduling
• Process immediate payments with different operational requirements

The customer alignment is clear: B2B commerce companies need specialized financing capabilities for extended payment terms, while service businesses require payment processing tailored to their operational workflows.

Business impact metrics demonstrate ResolvePay's value

For B2B companies, ResolvePay delivers measurable business outcomes through its specialized platform.

ResolvePay customer results include:

• 1.5x increase in average order value through net terms financing
• 5x revenue growth by enabling larger customer purchases
• Significant DSO reduction by receiving payment in 1-2 days instead of 30-90
• Estimated 14+ hours/week saved on manual AR processes through AI automation
• Zero bad debt through non-recourse financing model

These metrics translate to significant financial impact. A B2B company processing $100,000 USD monthly in invoices can potentially experience substantial growth through increased order values and accelerated revenue. The working capital impact is particularly notable—receiving $90,000-$100,000 USD immediately instead of waiting 30-90 days enables reinvestment in inventory, operations, and growth initiatives.

PaySimple's business impact focuses on operational efficiency for service businesses:

• Streamlined recurring billing for subscription management
• Mobile payment acceptance for field service operations
• Professional invoicing and payment tracking
• Reporting and customer management tools

Both platforms deliver value within their respective markets, with different metrics reflecting their different purposes.

Integration ecosystems support different business needs

The integration capabilities of both platforms reflect their respective market focuses and technical requirements.

ResolvePay's B2B integrations include:

• Enterprise ERPs: NetSuite, Oracle, Sage Intacct
• Accounting platforms: QuickBooks Online, Xero
• B2B ecommerce: Shopify, BigCommerce, WooCommerce, Magento
• API access for custom implementations and marketplace integrations
• Two-way data synchronization for automated bookkeeping and reconciliation

ResolvePay's integration with NetSuite is particularly valuable for larger B2B companies, enabling automated credit decisions, invoice advances, and payment reconciliation within existing enterprise workflows. Their BigCommerce B2B integration allows net terms offers directly at checkout, accelerating the B2B buying experience.

PaySimple's service business integrations include:

• Accounting software: QuickBooks Online, Xero
• CRM platforms: Keap, Zoho, Salesforce
• Vertical-specific software for healthcare, fitness, and field service
• API access for payment processing integration

Both platforms integrate with popular accounting software like QuickBooks Online, while offering specialized integrations for their respective target markets. ResolvePay's enterprise integrations serve the complex needs of B2B commerce companies with sophisticated inventory, order management, and financial reporting requirements.

AR automation capabilities show technological advancement

ResolvePay's AI-powered accounts receivable automation represents a significant technological advancement for B2B commerce operations.

ResolvePay's AR automation features include:

• AI-powered reconciliation reducing manual work by an estimated 90%
• Automated payment reminders and collections workflows
• Real-time credit monitoring and risk assessment
• LLM-powered invoice processing for accurate data extraction
• Smart bookkeeping automation with real-time QuickBooks sync

This automation saves B2B companies an estimated 14+ hours per week on manual AR processes, allowing finance teams to focus on strategic activities rather than administrative tasks. The AI-powered reconciliation provides high accuracy in payment matching and reduces DSO to effectively 1 day through invoice advances.

PaySimple's AR capabilities include:

• Invoice creation and sending
• Payment tracking and reporting
• Payment reminder functionality
• Reconciliation tools

Both platforms offer automation features designed for their respective customer bases, with different technological approaches reflecting different operational needs.

Credit assessment and risk management differences

The approach to credit assessment and risk management represents one of the most significant differences between these platforms.

ResolvePay's credit management includes:

• Free business credit checks requiring only company name and address
• AI-powered underwriting using thousands of data points beyond traditional bureaus
• Instant to 24-hour credit decisions for buyer approval
• Non-recourse financing eliminating all merchant risk
• Dynamic credit line adjustments based on ongoing performance

According to the Small Business Administration's guidance on credit management, effective credit assessment is crucial for B2B companies extending payment terms. ResolvePay's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver comprehensive credit insights using advanced data analytics, enabling approval of more creditworthy buyers while protecting merchants from defaults.

PaySimple's approach focuses on:

• Merchant underwriting for payment processing services
• Standard payment processing risk management
• Tools for service businesses to manage their payment workflows

The platforms serve different risk management needs, with ResolvePay specializing in B2B credit risk and PaySimple focusing on payment processing for service transactions.

Why ResolvePay delivers exceptional value for B2B commerce companies

B2B commerce companies face unique challenges that make ResolvePay's specialized platform highly valuable for their specific needs. The platform is purpose-built for B2B commerce, addressing the distinctive requirements of manufacturers, wholesalers, and distributors.

Key advantages of ResolvePay's approach:

• Working capital acceleration: Receive payment in 1-2 days instead of 30-90 days through invoice advances of up to 90-100%, enabling immediate reinvestment in inventory, operations, and growth initiatives.
• Risk elimination: Non-recourse financing means zero merchant risk if customers default, transforming net terms from a potential liability into a protected growth strategy.
• Sales growth enablement: The ability to offer net terms helps customers make larger purchases, with ResolvePay customers experiencing 1.5x increases in average order value.
• Operational efficiency: An estimated 14+ hours/week saved on AR management through AI-powered automation, allowing teams to focus on strategic activities rather than administrative tasks.
• Competitive positioning: Offer the same net terms as larger competitors while maintaining superior cash flow and comprehensive credit risk protection.

For B2B companies with $1M+ annual revenue, ResolvePay's specialized platform delivers substantial ROI through revenue growth opportunities, operational cost savings, and credit risk elimination. The Accounts Receivable with AI-Powered Automation platform streamlines credit, invoicing, and collections while empowering finance leaders to scale operations with precision and minimal manual overhead.

Frequently Asked Questions

How does ResolvePay help businesses increase their customers' buying power?

ResolvePay increases customer buying power by enabling businesses to offer net 30, 60, or 90-day payment terms without sacrificing their own cash flow. Through non-recourse invoice financing, ResolvePay advances up to 90-100% of invoice value within 1-2 business days, allowing customers to purchase immediately while paying later. This capability has helped ResolvePay customers achieve 1.5x increases in average order values as buyers can make larger purchases when payment terms are available. The platform's AI-powered credit decisions approve more creditworthy buyers, expanding the customer base while maintaining risk protection.

What makes ResolvePay's approach to Accounts Receivable automation unique?

ResolvePay's AR automation combines AI-powered credit decisions, non-recourse financing, and LLM-powered reconciliation into a single integrated platform. The platform provides complete credit-to-cash lifecycle management, going beyond basic payment processing. ResolvePay reduces manual AR work by an estimated 90% through AI agents that manage workflows, automate payment reminders, and handle collections. This comprehensive approach saves approximately 14+ hours per week for finance teams while reducing DSO to effectively 1 day through invoice advances.

Is ResolvePay a factoring company, and what are the benefits of its 'Advance Pay' system?

ResolvePay represents a modern alternative to traditional factoring with significant advantages. While factoring companies typically require whole ledger commitments and recourse agreements, ResolvePay offers non-recourse, selective invoice financing with no minimum requirements. The Advance Pay system provides up to 90-100% of invoice value within 1-2 business days for approved customers, with a flat fee of approximately 3.15% USD on 30-day net terms. All cash advances are non-recourse, meaning merchants keep the money even if customers default. This risk-free approach eliminates bad debt concerns while providing immediate working capital, making it significantly more flexible than traditional factoring.

What kind of integrations does ResolvePay offer for existing financial tech stacks?

ResolvePay offers comprehensive integrations with major B2B platforms including enterprise ERPs like NetSuite and Oracle, accounting software like QuickBooks Online and Xero, and B2B ecommerce platforms like Shopify, BigCommerce, and WooCommerce. The platform features two-way data synchronization that automatically syncs transaction data to accounting systems, eliminating manual data entry. ResolvePay's flexible APIs enable custom implementations for marketplaces and specialized business models, while their Integrations with Financial Tech Stack ensure seamless operation within existing workflows without requiring system replacement.

How does ResolvePay manage credit risk and collections for B2B transactions?

ResolvePay manages credit risk through a comprehensive approach that includes AI-powered underwriting using thousands of data points beyond traditional credit bureaus, free business credit checks requiring only company name and address, and non-recourse financing that eliminates all merchant risk. The platform's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver comprehensive credit insights using advanced analytics. For collections, ResolvePay's AI agents automate payment reminders and collections workflows, while human specialists handle escalated cases. This complete credit management approach allows businesses to offer net terms while ResolvePay handles credit assessment, billing, and collections.

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.