ResolvePay vs Playter vs Two: B2B BNPL Compared in 2026

Resolve is the strongest choice for US-based B2B suppliers who need non-recourse net terms with instant credit decisions and deep ERP integrations. Two leads for European merchants who want multi-channel B2B payments with the widest range of payment terms. Playter is the best fit for UK SMEs that need a subscription-based model with extended 12-month repayment periods. All three platforms solve the same core problem — B2B sellers waiting 30 to 90 days for payment while buyers want flexible terms — but they solve it for different markets and business sizes. This ResolvePay vs Playter vs Two comparison breaks down the features, pricing, integrations, and ideal use cases so you can choose the right platform for your business. B2B BNPL continues to gain traction as more suppliers look for ways to offer flexible payment terms without taking on additional credit risk. If you are new to B2B buy-now-pay-later, start with our overview guide before diving into this comparison.

Key Takeaways

• US Market Coverage: Resolve is purpose-built for US B2B suppliers with $1M+ revenue and the deepest domestic buyer data
• European Market Coverage: Two operates across UK, Norway, and Sweden with Santander and Allianz Trade partnerships
• UK SME Focus: Playter is designed specifically for UK small and mid-sized businesses
• Credit Decision Speed: Resolve uses AI-powered underwriting for fast credit decisions, with many approvals delivered instantly
• Payment Term Flexibility: Two offers the widest range available, from 7-day to 36-month terms
• Repayment Length: Playter provides up to 12-month installment plans for buyers
• Pricing Transparency: Resolve offers transparent, competitive non-recourse pricing
• ERP Integrations: Resolve connects with NetSuite, QuickBooks, Xero, Sage Intacct, plus REST API
• E-commerce Integrations: Both Resolve and Two integrate with Shopify; Resolve adds WooCommerce, BigCommerce, and Magento
• Multi-Channel Sales Support: Two supports online, telesales, field reps, and in-store POS
• Non-Recourse Financing: Both Resolve and Two assume 100% credit risk on approved invoices
• Advance Rate: Resolve offers advance rates that vary by program and buyer risk profile, with support for up to 100% on some approved invoices
• Enterprise Partnerships: Two has institutional backing from Santander, Allianz Trade, ABN Amro, and Visa
• Ease of Application: Playter offers a 5-minute application with funds in 24 hours

Quick Overview

Resolve 

Resolve is a B2B commerce platform that lets suppliers offer net 30, 45, 60, or 90-day payment terms to their business customers while getting paid upfront — typically within one business day. The platform uses an AI-powered Smart Credit Engine to evaluate buyer creditworthiness in seconds rather than days.

Resolve assumes the credit risk through non-recourse financing, which means if an approved buyer does not pay, Resolve absorbs the loss rather than the supplier. The company was founded by alumni from Affirm and PayPal and has served more than 15,000 businesses. According to G2 reviews, users consistently highlight the speed of credit decisions and the elimination of bad debt as the platform's most impactful features.

Resolve integrates directly with major ERPs like NetSuite, QuickBooks, Xero, and Sage Intacct, as well as e-commerce platforms including Shopify, WooCommerce, BigCommerce, and Magento 2. The platform's dedicated human AR team works alongside AI-powered automation to manage collections, providing a combination of technology and expert support. This integration depth means financial data stays synchronized across systems, reducing manual reconciliation and keeping AR workflows accurate in real time.

Playter

Playter is a UK-based B2B buy-now-pay-later fintech that focuses on SMEs. The platform offers products including Playter Pay, which lets businesses spread bills over installments, and Playter Boost for short-term cashflow funding.

Businesses can apply quickly and access flexible funding based on their profile and approval. Playter uses a subscription-based model, with pricing provided directly by its team. Playter previously raised 55 million USD from backers associated with Klarna, SoFi, and Pipe, and is now part of Shawbrook Bank. The dual-product approach (Pay + Paid) is a unique differentiator that addresses both payables and receivables in a single platform — particularly useful for UK SMEs managing cash flow from both sides of the ledger. Playter's subscription pricing model can be significantly more cost-effective for businesses with high invoice volumes compared to per-transaction fee structures.

Two

Two (formerly Tillit) is a Norwegian-born B2B payments platform that provides instant trade credit decisions, seller payouts, and automated invoice management. The platform uses two proprietary AI engines — Delphi for credit assessment and Frida for fraud detection — to approve 90% of business buyers in real time.

Two offers a broad payment-term range, including invoice terms and installment plans of up to 36 months. The company operates across multiple European markets and has expanded its international footprint further, including into North America. Two has partnerships with major financial institutions including Santander, Allianz Trade, ABN Amro, and Visa. The dual AI engine approach — separating credit assessment (Delphi) from fraud detection (Frida) — provides specialized analysis at each stage of the buyer evaluation process. Two’s partnerships with institutions such as Santander and Allianz Trade strengthen its positioning for larger-scale B2B payments and cross-border commerce.

ResolvePay vs Playter vs Two: Feature-by-Feature Comparison

ResolvePay vs Playter vs Two: Pricing Comparison

How pricing works in practice

Resolve charges a competitive flat fee on net terms invoices — comparable to credit card processing fees. The rate scales with term length, and higher-risk buyers may receive lower advance rates rather than higher fees.

Playter uses a subscription model starting at 550 GBP per month, with no interest or revenue sharing. For businesses with high invoice volumes, this fixed cost can be significantly cheaper per transaction than percentage-based models. The subscription approach makes budgeting straightforward since the cost remains constant regardless of invoice volume fluctuations.

Two does not publish pricing. You need to contact their sales team for a custom quote. Based on industry benchmarks for similar platforms, transaction fees in this space typically range from 1.5% to 4%, but Two has not confirmed its exact rates. The custom quoting approach allows Two to tailor pricing to each merchant's specific volume, geography, and risk profile.

Platform Strengths

Resolve — Key Strengths

• Transparent pricing with competitive non-recourse rates — no hidden costs or complex tiering
• Non-recourse financing eliminates bad debt risk entirely
• AI credit decisions in seconds reduce sales friction
• Deepest ERP integration library of the three platforms (NetSuite, QuickBooks, Xero, Sage Intacct)
• Comprehensive AR automation reduces credit and collections overhead by up to 90%
• Proven track record with 15,000+ businesses
• REST API enables custom integrations for unique workflows
• Award-winning BigCommerce integration (2025 Innovative Integration Award)
• Dedicated human AR team works alongside AI for collections management
• Merchant-branded buyer experience maintains supplier brand identity
• Flexible payment acceptance across ACH, credit card, wire, and check
• White-label capabilities for a fully branded payment experience

Playter — Key Strengths

• Fixed subscription pricing is predictable and can be cheaper at high volume
• Longest buyer repayment terms (up to 12 months) — helpful for high-ticket B2B purchases
• Dual product (Pay + Paid) addresses both payables and receivables in a single platform
• Fast 5-minute application with access to funds in 24 hours
• No interest charges or revenue sharing
• Credit lines up to 1,000,000 GBP for UK businesses
• Backed by investors including Klarna, Sofia, and Pipe ($55M raised)
• Simple Xero integration for UK accounting workflows
• Subscription model provides cost certainty regardless of invoice volume
• Well-suited for UK professional services firms, agencies, and suppliers with large invoices

Two — Key Strengths

• Widest payment term range: 7 days to 36 months covers almost any buyer need
• Multi-channel support (online, telesales, field reps, POS) suits complex B2B sales motions
• Dual AI engines (Delphi + Frida) provide both credit assessment and fraud protection
• 90%+ buyer approval rate reduces lost sales at checkout
• Enterprise-grade partnerships with Santander, Allianz Trade, ABN Amro, and Visa
• Non-recourse financing on approved transactions
• Strongest European presence of the three platforms (Norway, Sweden, UK)
• North American expansion launched in 2025 for growing cross-border capabilities
• Omnichannel purchasing supports web, app, in-store, and partner network transactions
• Institutional financial backing provides the infrastructure for cross-border B2B credit

Who Should Choose Resolve

Resolve is the right choice if your business matches these criteria:

• You are a US-based B2B supplier generating $1M or more in annual B2B revenue and need to offer net terms without tying up cash flow. Resolve's upfront advance model means suppliers gain immediate access to cash while buyers enjoy the flexible terms they expect.
• You want transparent, predictable pricing — Resolve's competitive non-recourse rates make budgeting straightforward and allow you to build financing costs into your margins with confidence.
• Speed matters — your buyers expect instant credit decisions at checkout, not 24-hour waits. Resolve's AI Smart Credit Engine delivers approvals in seconds, reducing friction in the purchasing process and enabling real-time checkout experiences.
• You rely on ERPs like NetSuite, QuickBooks, Xero, or Sage Intacct and need direct integrations that reduce manual reconciliation and keep financial data synchronized across systems.
• Bad debt risk concerns you — non-recourse financing means Resolve absorbs the credit risk on every approved invoice, keeping your balance sheet clean regardless of individual buyer outcomes.
• You sell through e-commerce on Shopify, WooCommerce, BigCommerce, or Magento and want embedded net terms at checkout that provide buyers a seamless purchasing experience.
• You want to shrink DSO from 60 days to 1 day and free up working capital for growth, inventory investment, and strategic initiatives.
• You need dedicated collections support — Resolve's human AR team works alongside AI automation to manage the collections process professionally, saving your team 14+ hours per week.

Resolve works best for mid-market B2B suppliers — manufacturers, wholesalers, distributors, and SaaS companies — that want the financial certainty of getting paid upfront while their buyers enjoy flexible terms. See how Resolve compares to other B2B payment solutions on the market.

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Who Should Choose Playter

Playter is the right choice if your business matches these criteria:

• You are a UK-based SME that needs a straightforward way to manage B2B payment terms with predictable, subscription-based costs.
• You want both payables and receivables flexibility — Playter Pay lets you split your own bills while Playter Paid lets you offer terms to customers, addressing cash flow management from both sides of the business.
• Your buyers need extended payment periods — up to 12 months of installments covers high-ticket purchases like professional services, equipment, or annual contracts that require longer repayment windows.
• Predictable costs matter more than per-transaction efficiency — the flat monthly subscription works well if you process a high volume of invoices and want to avoid variable transaction fees.
• You use Xero as your primary accounting platform and want integrated invoice management that keeps your financial records synchronized automatically.
• You need fast access to credit — the 5-minute application and 24-hour funding timeline suits businesses that need liquidity quickly without extensive documentation requirements.
• You manage high-value client relationships where offering flexible payment terms strengthens business partnerships and increases client retention.

Playter is well-suited for UK professional services firms, agencies, and suppliers that deal with large invoices and want to offer clients extended payment plans. The dual Pay/Paid product structure gives businesses flexibility to manage bot

Who Should Choose Two

Two is the right choice if your business matches these criteria:

• You operate primarily in Europe (UK, Norway, Sweden) or plan to expand across European markets where Two's institutional partnerships with Santander, Allianz Trade, and Visa provide established financial infrastructure.
• You need multi-channel B2B payments — your sales happen through a mix of e-commerce, telesales, field reps, and in-store transactions, and you need consistent credit decisions and payment terms across every channel.
• Payment term flexibility is critical — Two's 7-day to 36-month range accommodates everything from quick reorders to large capital purchases, providing the widest term options of any platform in this comparison.
• Fraud prevention is a top concern — the dedicated Frida AI engine adds a specialized layer of protection beyond standard credit checks, providing purpose-built fraud detection alongside the Delphi credit assessment engine.
• You want enterprise-grade financial backing — partnerships with Santander, Allianz Trade, ABN Amro, and Visa provide institutional credibility and the financial infrastructure needed for cross-border B2B transactions.
• High approval rates matter — Two's 90%+ buyer approval rate minimizes lost sales at checkout, ensuring that the vast majority of legitimate business buyers can access terms when they need them.
• You are expanding into North American markets — Two's 2025 US expansion means you can potentially use one platform across both European and US operations as the company grows its transatlantic presence.

Two is the strongest option for European B2B merchants in wholesale, manufacturing, and distribution who need a platform that supports complex, multi-channel sales processes with institutional-grade credit infrastructure. Per Gartner's analysis of invoice-to-cash platforms, multi-channel payment support is increasingly important for B2B merchants operating across diverse sales environments.

Final Verdict

In this B2B BNPL comparison, the best platform depends on where you operate, how you sell, and what your buyers need. Here is the bottom line for ResolvePay vs Playter vs Two.

For US-based B2B suppliers, Resolve delivers the strongest combination of instant AI credit decisions, non-recourse financing, transparent pricing, and deep ERP integrations. Resolve's focus on reducing DSO from 60 days to 1 day while eliminating bad debt risk makes it the most complete solution for the US mid-market. With 15,000+ businesses already on the platform and integrations across NetSuite, QuickBooks, Shopify, and BigCommerce, Resolve gives suppliers the tools to offer net terms confidently without straining cash flow. The dedicated human AR team and AI-powered collections management mean suppliers can scale their net terms programs without adding headcount to their credit departments.

For UK SMEs with high-ticket invoices, Playter's subscription model and 12-month repayment terms offer a unique value proposition. The fixed monthly cost structure is particularly attractive for businesses processing high invoice volumes, and the dual Pay/Paid product addresses both payables and receivables in a single platform. Playter's GBP 1M credit lines and 5-minute application process provide UK businesses with fast access to meaningful capital.

For European merchants with multi-channel sales, Two's combination of AI-driven credit and fraud engines, enterprise partnerships with institutions like Santander and Allianz Trade, and the widest payment term range on the market (7 days to 36 months) makes it the platform to evaluate first. Two's 90%+ buyer approval rate and multi-channel support across online, telesales, field reps, and POS channels provide comprehensive coverage for complex European B2B sales operations.

If you are a B2B supplier in the US looking to offer net terms, get paid in one day, and eliminate credit risk from your balance sheet, Resolve is the platform built specifically for that use case. For mid-market B2B suppliers managing cash flow, the combination of net terms financing and AR automation can be especially powerful.

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Frequently Asked Questions 

What is B2B buy-now-pay-later and how does it differ from consumer BNPL?

B2B buy now pay later platforms like those in this ResolvePay vs Playter vs Two comparison allow business buyers to purchase goods or services on net terms (typically 30, 60, or 90 days) while the supplier gets paid upfront by the BNPL provider. Unlike consumer BNPL platforms like Klarna or Afterpay, B2B BNPL involves larger transaction sizes, business credit underwriting rather than personal credit checks, and integration with ERPs and accounting systems. The credit decisions are based on business financials and trade history rather than consumer credit scores. Per Investopedia's BNPL guide, the B2B variant of BNPL is growing faster than consumer BNPL as more B2B sellers recognize the conversion and retention benefits.

Does Resolve charge interest to buyers?

Resolve's net terms financing model charges a competitive flat transaction fee to the supplier. Buyers receive standard net terms (30, 60, or 90 days) and are not charged interest by Resolve. The supplier absorbs the fee as a cost of accelerating cash flow and eliminating credit risk, similar to accepting credit card payments.

Can I use Resolve if my business is outside the United States?

Resolve currently serves US-based B2B suppliers. If your business operates primarily in the UK, Playter is a strong alternative with its subscription-based model and extended repayment terms. For European markets (Norway, Sweden, UK), Two offers broad coverage with institutional partnerships. Two also began expanding into North America in 2025, providing a potential cross-border option for businesses operating in both markets.

How does non-recourse financing work with Resolve and Two?

Non-recourse financing means the BNPL provider assumes the credit risk on approved invoices. If a buyer is approved and later fails to pay, the provider absorbs the loss — the supplier keeps the upfront payment. Both Resolve and Two offer non-recourse financing. This differs from traditional factoring, where factors may retain recourse to recover losses from the supplier if the buyer defaults. B2B BNPL category reviews, non-recourse protection is one of the most valued features among B2B suppliers using BNPL platforms.

What ERP and e-commerce integrations does each platform support?

Resolve offers the broadest integration library: NetSuite, QuickBooks, Xero, Sage Intacct for ERPs, and Shopify, WooCommerce, BigCommerce, and Magento 2 for e-commerce, plus a REST API for custom connections. Two integrates natively with Shopify and provides a custom API for other platforms. Playter currently integrates with Xero and serves UK businesses through that accounting platform.

How fast are credit decisions on each platform?

Resolve uses its AI-powered Smart Credit Engine to deliver credit decisions in seconds for most buyers. Two's Delphi AI engine also provides real-time credit assessments with a 90%+ approval rate. Playter typically processes applications within 24 hours, which is faster than traditional trade credit and reflects the platform's approach to thorough underwriting for UK SME credit lines.

Is Playter available outside the United Kingdom?

Playter currently operates exclusively in the UK. The platform is designed for UK SMEs and prices its subscription in GBP. If you need a B2B BNPL solution for the US market, Resolve is the established leader. For broader European coverage, Two operates across Norway, Sweden, and the UK with institutional partnerships that support cross-border transactions.

How do I decide between these three platforms?

The decision comes down to geography and business model. For US-based B2B suppliers offering net terms, Resolve provides the most complete solution with non-recourse financing, AI credit decisioning, and deep ERP integrations. For UK SMEs needing flexible payment term management with predictable subscription costs, Playter addresses that specific market well. For European merchants with multi-channel sales operations, Two's AI engines, institutional partnerships, and wide term range make it the strongest fit, the most important factor is matching the platform's geographic focus and core capabilities to your specific business requirements.

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.