ResolvePay vs Plastiq

When B2B businesses need to optimize their payment infrastructure, choosing between financial platforms becomes a strategic decision. Two options—ResolvePay and Plastiq—represent fundamentally different approaches to business payments. According to some research on B2B payment trends, businesses increasingly seek integrated solutions that address both payment processing and working capital needs. Plastiq operates as a payment processing service enabling credit card payments to vendors, while ResolvePay offers a comprehensive B2B payments platform that combines embedded credit, net terms financing, and accounts receivable automation. This comparison reveals how ResolvePay's integrated approach addresses the complex needs of B2B businesses seeking to accelerate cash flow, manage risk, and grow sales through strategic credit extension.

Key Takeaways

• ResolvePay delivers comprehensive B2B net terms financing with 100% non-recourse protection, while Plastiq focuses on credit card payment processing for vendor payments
• B2B sellers benefit from ResolvePay's AI-powered credit decisioning and up to 100% invoice advance in 24 hours, with instant approvals and automated workflows
• ResolvePay provides full AR automation with 50-90% reduction in manual work reported by users, streamlining financial operations from invoice to payment
• For businesses seeking to accelerate cash flow and manage credit strategically, ResolvePay's integrated platform delivers comprehensive value with Net 30 terms fees as low as 3.15% USD
• ResolvePay's enterprise integrations with QuickBooks, NetSuite, and major ecommerce platforms enable seamless financial operations across the entire B2B commerce stack

Understanding each company's core positioning

Plastiq positions itself as a payment processing service that enables businesses to pay vendors who don't accept credit cards. Founded in 2012 and recently acquired by Priority, Plastiq has built its reputation on facilitating credit card payments for bills that traditionally don't accept them. The platform charges a base fee of 2.9% USD plus additional delivery fees ranging from $0.99 to $39 USD depending on payment method and speed.

ResolvePay takes a different approach as a comprehensive B2B financial platform. Founded in 2019 as a spinoff from Max Levchin's Affirm venture studio, ResolvePay specializes in B2B net terms financing and accounts receivable automation for businesses with $1M+ annual B2B revenue. The platform combines AI-powered credit decisioning, non-recourse invoice financing, and integrated AR workflows to help businesses offer net terms and grow revenue while protecting cash flow. With trusted adoption by over 12,000 businesses, ResolvePay has established itself as a modern alternative to traditional factoring.

The fundamental difference lies in philosophy: Plastiq facilitates payments from buyers to vendors, while ResolvePay empowers sellers to extend credit to their customers with non-recourse protection and immediate cash flow.

Service offerings show distinct strategic focuses

Plastiq's service portfolio centers on payment processing:

• Credit card payments to vendors who don't accept cards
• ACH transfers ($0.99 USD fee) and wire transfers ($5-$39 USD fees)
• Paper check payments ($1.49 USD fee)
• International payments to 45+ countries
• Payment scheduling and tracking

This approach serves businesses seeking to maximize credit card rewards or manage vendor payments through credit card float.

ResolvePay's services focus on comprehensive B2B financial operations:

• AI-powered credit checks with instant approvals in 10-30 seconds
• Non-recourse invoice financing with up to 100% advance in 24 hours
• AR automation with AI-driven workflows and collections
• Net 30/60/90 terms with flexible installment options
• White-label buyer payment portal supporting ACH, wire, credit card, and check payments

ResolvePay's integrated platform combines credit extension, immediate cash advances, and automated collections in a single system. For example, ResolvePay enables businesses to extend net terms to their customers while receiving immediate cash advance, effectively reducing days sales outstanding (DSO) to one day while eliminating bad debt risk through non-recourse financing.

Pricing models reflect different value propositions

The pricing structures reveal each platform's target market and service philosophy.

Plastiq's pricing structure:

• Base transaction fee: 2.9% USD for credit card payments
• ACH transfers: $0.99 USD per transaction
• Domestic wire transfers: $5-$8.99 USD per transaction
• International wire transfers: $39 USD per transaction
• Paper checks: $1.49 USD per transaction
• Same-day payments: Additional 0.2%+ USD premium fees

ResolvePay's pricing structure:

• Net 30 terms: Starting at 3.15% USD with up to 100% advance
• Net 60 terms: Risk-based pricing
• No additional delivery fees - all payment methods included
• No monthly subscription fees
• 100% non-recourse financing included in pricing

ResolvePay's value proposition centers on combining multiple services—credit underwriting, cash advances, collections management, and payment processing—into a single fee structure. While Plastiq charges per transaction with additional delivery fees, ResolvePay includes comprehensive financial services. According to SBA guidance on cash flow management, integrated solutions that address both payment processing and working capital can significantly improve business operations.

Target customers reveal strategic alignment differences

Plastiq primarily serves businesses and individuals seeking to pay bills with credit cards to earn rewards or manage cash flow through credit card float. Their customers typically need to make payments to vendors who don't accept credit cards, such as rent, utilities, or professional service fees.

ResolvePay targets B2B businesses with $1M+ annual B2B revenue that sell to other businesses and need to offer net terms to remain competitive. These organizations benefit from integrated credit extension and cash flow acceleration. Notable ResolvePay customers include manufacturers, distributors, and B2B ecommerce businesses across various industries. The platform is specifically designed for businesses that need to get paid in 1 day instead of 60 while allowing their customers extended payment terms.

This distinction reflects different business needs. B2B sellers often require strategic credit management and cash flow acceleration to grow their business and compete effectively. ResolvePay's model directly addresses these challenges with AI-powered credit decisioning, non-recourse financing, and automated AR workflows.

Results and performance metrics demonstrate operational advantages

Both platforms serve their respective markets, with different performance characteristics aligned to their service models.

Plastiq's performance metrics:

• Payment processing times: Vary by method, from 1-3 business days for ACH to 8+ days for paper checks
• Customer satisfaction: 4.3/5 on G2
• Serves payment processing needs for vendor payments

ResolvePay's performance metrics:

• Credit decision speed: 10-30 seconds
• Cash advance time: 24 hours
• Customer satisfaction: 5.0/5 on G2 with 16 reviews
• DSO reduction to 1 day with advance pay
• 50-90% reduction in manual AR work reported by users

ResolvePay's performance metrics reflect its focus on B2B financial operations. The platform delivers immediate working capital through cash advances while automating collections and payment reconciliation. According to PYMNTS research on B2B payments, automation can significantly reduce manual workload and accelerate cash flow for B2B businesses.

Technology and integration capabilities define the user experience

Plastiq's integration capabilities:

• QuickBooks export functionality
• Payment tracking and scheduling tools
• Payment processing through multiple methods

ResolvePay's integration ecosystem:

• QuickBooks 2-way sync with automated invoice reconciliation
• Native integrations with Shopify, BigCommerce, WooCommerce, and Magento
• Enterprise ERP connectivity with NetSuite and SAP
• Full REST API for custom implementations
• Zapier integration for workflow automation

ResolvePay's comprehensive integration capabilities create seamless financial operations across the entire B2B commerce stack. The platform's 2-way sync with QuickBooks automatically creates invoices and reconciles payments, eliminating manual data entry. Native ecommerce integrations enable embedded credit decisions at checkout, while ERP connectivity ensures enterprise-grade financial management. This integration depth becomes increasingly valuable as businesses scale and financial complexity increases.

Risk management and financial protection show fundamental differences

Plastiq's approach: 

• Facilitates payments using credit cards
• Buyers manage their own credit card balances and interest rates
• Payment processing for various transaction types

ResolvePay's risk management: 

• 100% non-recourse financing eliminates merchant credit risk
• AI-powered fraud prevention and credit assessment
• Credit decisioning powered by experts formerly of Amazon, PayPal, and Fortune 500 firms
• Comprehensive collections management and payment follow-up
• Supports B2B transactions with integrated risk assessment

ResolvePay's risk management framework is built specifically for B2B credit extension. The non-recourse protection eliminates credit risk for approved invoices, enabling businesses to confidently extend credit to new customers and larger orders without exposure to bad debt. AI-powered credit decisioning provides instant approvals while maintaining risk discipline, and automated collections management ensures consistent follow-up on payments.

Why ResolvePay delivers comprehensive value for B2B businesses

B2B businesses with $1M+ annual revenue face unique operational challenges that ResolvePay's platform directly addresses. These companies need strategic credit extension, cash flow acceleration, and operational efficiency to compete effectively and grow sustainably.

Key advantages of ResolvePay's approach:

• Comprehensive financial operations: ResolvePay combines credit decisioning, non-recourse financing, payment processing, and AR automation in a single integrated platform. This unified approach streamlines complex B2B workflows while enhancing customer relationships through flexible payment terms.
• Immediate cash flow impact: Up to 100% invoice advance in 24 hours transforms DSO from typical 45-60 day periods to just 1 day, providing immediate working capital for operations and growth initiatives.
• Non-recourse financing protection: 100% non-recourse financing on approved invoices eliminates bad debt concerns, enabling confident credit extension to new and existing customers without balance sheet risk.
• AI-driven operational efficiency: AI-powered AR automation reduces manual work by 50-90% according to user reports, freeing finance teams to focus on strategic initiatives rather than collections and reconciliation tasks.
• Enterprise-grade integrations: Seamless connectivity with QuickBooks, NetSuite, SAP, and major ecommerce platforms ensures that financial operations flow smoothly across the entire technology stack.

For B2B businesses seeking to increase customer buying power via credit lines while protecting cash flow and reducing operational overhead, ResolvePay represents a comprehensive approach to modern B2B financial operations. The combination of embedded credit expertise, non-recourse financing, and AI-powered automation creates a platform designed specifically for B2B growth and operational excellence.

Frequently Asked Questions

What is the primary difference between ResolvePay and Plastiq?

ResolvePay is a comprehensive B2B payments platform that enables businesses to offer net terms to their customers while receiving immediate cash advance with non-recourse protection. Plastiq is a payment processing service that allows businesses to pay vendors using credit cards, even when vendors don't accept them. ResolvePay focuses on empowering sellers with credit extension and cash flow acceleration, while Plastiq facilitates buyer payments to vendors.

Can ResolvePay help my business offer net terms without taking on risk?

Yes, ResolvePay provides 100% non-recourse financing, which means you assume minimal credit risk on approved invoices. ResolvePay manages the credit approval, underwriting, and collections process, taking on the credit risk of late payments or defaults. This allows you to confidently offer net 30/60/90 terms to your customers while protecting your cash flow and minimizing bad debt concerns.

How does ResolvePay's AI-powered automation benefit my accounts receivable process?

ResolvePay's AI-driven platform automates your entire net terms workflow from invoice to payment, with users reporting 50-90% reduction in manual work. The system automatically sends payment reminders, manages collections workflows, and reconciles payments across all invoice types—net terms, COD, or due upon receipt. This automation enhances accuracy and efficiency while accelerating cash flow and reducing days sales outstanding.

What does Plastiq specialize in?

Plastiq specializes in enabling credit card payments to vendors who don't typically accept credit cards. This includes bills like rent, utilities, professional services, and other business expenses. Plastiq charges a 2.9% USD base fee plus additional delivery fees ($0.99-$39 USD) depending on the payment method and speed. The platform is designed for businesses seeking to use credit cards for vendor payments or manage cash flow through credit card float.

Which platform is better for accelerating cash flow from sales?

ResolvePay is designed specifically for accelerating cash flow from sales. With ResolvePay, you can receive up to 100% of your invoice value within 24 hours while your customers get 30, 60, or 90 days to pay. This reduces your DSO to approximately 1 day instead of typical 45-60 day periods. Plastiq serves a different purpose, processing payments from buyers to vendors rather than providing cash flow acceleration for sellers.

Do both platforms offer integrations with popular accounting software?

Both platforms offer QuickBooks integration with different capabilities. ResolvePay provides 2-way QuickBooks sync that automatically creates invoices and reconciles payments. Additionally, ResolvePay integrates with enterprise ERPs like NetSuite and SAP, plus major ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. Plastiq offers QuickBooks export functionality for payment tracking and reconciliation.

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.