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.
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.
The feature sets of these platforms reflect their different market focuses, with each excelling in their respective domains.
These capabilities address the unique challenges of B2B commerce, where extended payment terms are standard practice.
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.
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.
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.
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.
The ideal customer profiles for each platform reveal why business model alignment is crucial for success.
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.
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.
For B2B companies, ResolvePay delivers measurable business outcomes through its specialized platform.
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.
Both platforms deliver value within their respective markets, with different metrics reflecting their different purposes.
The integration capabilities of both platforms reflect their respective market focuses and technical requirements.
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.
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.
ResolvePay's AI-powered accounts receivable automation represents a significant technological advancement for B2B commerce operations.
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.
Both platforms offer automation features designed for their respective customer bases, with different technological approaches reflecting different operational needs.
The approach to credit assessment and risk management represents one of the most significant differences between these platforms.
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.
The platforms serve different risk management needs, with ResolvePay specializing in B2B credit risk and PaySimple focusing on payment processing for service transactions.
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.
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.
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.
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.
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.
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.
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.