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.
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.
This approach serves businesses seeking to maximize credit card rewards or manage vendor payments through credit card float.
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.
The pricing structures reveal each platform's target market and service philosophy.
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.
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.
Both platforms serve their respective markets, with different performance characteristics aligned to their service models.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.