ResolvePay vs QuickBooks Payments

When B2B businesses need to streamline their payment processes and accelerate cash flow, choosing between financial platforms becomes a critical decision. Two prominent options—ResolvePay and QuickBooks Payments—represent fundamentally different approaches to B2B commerce. ResolvePay offers specialized B2B net terms financing and accounts receivable automation with advanced risk protection, while QuickBooks Payments operates as a payment processor integrated with QuickBooks accounting software. This comparison explores how ResolvePay's integrated B2B financing approach serves companies that need to offer net terms while protecting cash flow and managing credit risk.

For businesses looking to offer Net Terms and Grow Your Revenue, ResolvePay provides a comprehensive platform that handles credit assessment, upfront payment, and collections management—ensuring you get paid quickly while your customers enjoy flexible payment terms.

Key Takeaways

• ResolvePay provides 100% non-recourse financing with upfront payment in 1-2 days, enabling B2B sellers to offer net terms without cash flow constraints or bad debt risk
• B2B sellers offering net terms benefit from ResolvePay's AI-powered AR automation, typically achieving 30-60% faster payment cycles and approximately 90% reduction in manual work
• ResolvePay integrates with multiple ERP platforms (QuickBooks, NetSuite, Sage Intacct, Xero) and major ecommerce systems, providing flexibility as businesses scale
• For companies needing to offer B2B net terms financing, ResolvePay's estimated 3.15% fee structure delivers net positive ROI through bad debt elimination and AR automation savings
• ResolvePay's white-label payment portal maintains your brand identity throughout the customer experience

Understanding each platform's core positioning

QuickBooks Payments positions itself as a payment processing add-on for QuickBooks accounting software, serving businesses that need to accept credit cards, ACH, and digital payments on invoices. Backed by Intuit, a Fortune 500 company, QuickBooks Payments integrates seamlessly with QuickBooks Online and Desktop,with fast deposit options that can include same-day deposit for eligible payments and optional instant deposit (fees may apply)

ResolvePay takes a specialized B2B approach. Founded in 2019 by former PayPal and Amazon executives, ResolvePay specializes in B2B net terms financing and AR automation for companies processing $1M+ in annual B2B revenue. The platform functions as a comprehensive credit department, offering instant credit decisions, upfront payment on approved invoices, and full collections management. ResolvePay has served over 15,000 businesses and secured $85 million in funding from Insight Partners and Commerce Ventures.

The fundamental difference lies in focus: QuickBooks Payments specializes in transaction processing for QuickBooks users, while ResolvePay specializes in B2B net terms financing that pays merchants immediately—addressing the cash flow gap that comes with offering credit terms. According to Small Business Administration research, cash flow management remains one of the top challenges for growing B2B companies, making the ability to offer net terms while receiving immediate payment a significant competitive advantage.

Core functionalities show distinct strategic focuses

QuickBooks Payments' transaction processing capabilities

QuickBooks Payments provides transaction processing integrated with QuickBooks accounting:

• Credit card, ACH, and digital wallet payment processing
• In-person payment acceptance via Tap to Pay and card readers
• Invoice payment reminders and next-day deposits
• Seamless integration with QuickBooks accounting
• Mobile payment acceptance through GoPayment app

This transaction-focused approach serves businesses that primarily receive immediate payments through the QuickBooks ecosystem.

ResolvePay's integrated B2B financing platform

ResolvePay delivers comprehensive B2B financing and automation:

• AI-powered credit decisions in seconds to 24 hours
• Upfront payment of up to 100% on approved invoices within 1-2 days
• 100% non-recourse financing eliminating bad debt risk
• AI-powered AR automation with approximately 90% reduction in manual work
• White-label payment portal accepting ACH, credit card, wire, and check

This specialization enables B2B merchants to offer competitive net terms while maintaining healthy cash flow. Research from the Federal Reserve on small business credit indicates that access to working capital financing significantly impacts business growth capacity, particularly for B2B companies with extended payment terms.

For example, ResolvePay pays merchants in 1-2 days regardless of customer payment terms, while traditional net terms require merchants to wait 30-90 days. This speed advantage provides crucial working capital for B2B companies that need to fund operations and growth.

Net terms management capabilities

QuickBooks Payments approach to payment terms

QuickBooks Payments processes payments when customers actually pay. Merchants offering net 30/60/90 terms must wait the full payment period to receive funds and assume the credit risk themselves.

ResolvePay's net terms specialization

ResolvePay was built specifically to enable B2B net terms. The platform allows merchants to:

• Offer net 30, 60, or 90-day terms to customers while receiving payment in 1-2 days
• Access upfront payment of up to 100% on approved invoices
• Transfer credit risk through 100% non-recourse financing
• Automate credit decisions using proprietary AI models

The impact is significant: ResolvePay customers report 30-60% faster payment cycles compared to traditional net terms, with the ability to offer competitive payment terms without straining cash flow or assuming credit risk.

This capability difference is decisive for B2B businesses. According to Dun & Bradstreet's B2B credit research, companies that can efficiently manage credit risk while offering competitive terms gain significant market advantages. ResolvePay delivers a complete end-to-end platform for businesses requiring net terms financing capabilities.

Cash flow acceleration and risk protection models

QuickBooks Payments' cash flow model

QuickBooks Payments follows a standard payment processing model:

• Pays merchants when customers complete payment
• Next-day deposits for most transaction types
• Merchants manage their own credit risk and collections
• Standard payment processing timeline

ResolvePay's cash flow acceleration

ResolvePay provides B2B-specific cash flow solutions:

• Pays merchants in 1-2 days regardless of customer payment terms
• Offers up to 100% advance on approved invoices
• Provides 100% non-recourse financing, meaning merchants keep advance payments even if customers default on approved, non-disputed invoices
• Eliminates typical B2B bad debt losses (estimated at 1-3% of revenue)
• Frees up working capital for operations and growth

The non-recourse model is particularly valuable for B2B businesses. Traditional factoring often uses recourse models requiring merchants to repay advances if customers don't pay. ResolvePay's 100% non-recourse approach—backed by their proprietary credit models and expert underwriting team—transfers credit risk to ResolvePay, providing complete peace of mind.

For B2B companies processing $100K+ monthly in net terms invoices, this risk protection alone can save an estimated $12,000-36,000 USD annually in bad debt write-offs, not counting the working capital benefits of faster payment.

Accounts receivable automation and AI capabilities

QuickBooks Payments' AR features

QuickBooks Payments provides AR functionality integrated with QuickBooks:

• Payment reminders and invoice tracking
• Automatic transaction syncing with QuickBooks accounting
• Standard reconciliation features
• Integration with QuickBooks reporting tools

ResolvePay's AI-powered AR automation

ResolvePay delivers advanced AR automation specifically designed for B2B workflows:

• AI agents managing entire AR workflows from invoicing to collections
• Automated payment reminders based on customer behavior and payment history
• LLM-powered invoicing workflows ensuring automatic syncing and reconciliation
• Approximately 90% reduction in manual AR work reported by customers
• Automated reconciliation for any invoice structure

The automation impact is substantial. ResolvePay customers report saving 14+ hours per week on manual AR tasks, with one customer noting that "the work required from our end has decreased by at least 90%." This automation extends beyond basic payment processing to include credit assessment, collections management, and financial reporting.

For B2B companies with dedicated AR teams, ResolvePay's automation allows staff to focus on strategic activities rather than manual data entry and payment follow-up.

Credit assessment and underwriting capabilities

QuickBooks Payments' credit approach

QuickBooks Payments focuses on payment processing rather than credit underwriting. Merchants evaluate customer creditworthiness using their own methods, such as credit reports, trade references, or manual reviews.

ResolvePay's expert credit underwriting

ResolvePay provides comprehensive B2B credit assessment as a core feature, combining AI models, behavioral signals, and human expertise:

• Credit decisions delivered instantly for qualified customers, with full assessments typically within 24 hours
• Requires only business name and address for credit checks—no customer interaction needed
• Proprietary financial databases and algorithms evaluating thousands of data points
• Underwriting team with experience from Amazon, PayPal, and Fortune 500 firms delivering insights beyond traditional credit bureaus
• Discreet pre-approval checks that don't require customer notification

This sophisticated approach enables B2B sellers to offer net terms confidently to new and existing customers, with credit decisions that are faster and more comprehensive than traditional methods. The streamlined assessment process—requiring just a company name and address—eliminates the paperwork and delays that typically accompany B2B credit applications.

Integration ecosystems and platform compatibility

QuickBooks Payments' integration approach

QuickBooks Payments integrates natively with the QuickBooks ecosystem:

• Native integration with QuickBooks Online and Desktop
• Works best when you’re already using QuickBooks Online (plan pricing varies by tier and promotions).
• Designed specifically for QuickBooks users
• Third-party app marketplace for extended functionality

ResolvePay's multi-platform integration

ResolvePay provides broad platform compatibility designed to scale with growing businesses:

• Native integrations with QuickBooks, NetSuite, Sage Intacct, Xero, and Oracle
• Ecommerce platform support for Shopify, BigCommerce, WooCommerce, and Magento
• Flexible APIs for custom platform integration
• Seamless syncing with existing financial systems
• Auto-imports customer information from connected systems

The multi-platform approach makes ResolvePay suitable for businesses at all stages of growth, supporting everything from QuickBooks for small businesses to NetSuite for enterprise operations as companies scale.

For B2B companies using ecommerce platforms, ResolvePay's native integrations enable embedding net terms directly into checkout, allowing customers to select payment terms during purchase—similar to how Amazon Business operates.

Payment processing flexibility and customer experience

QuickBooks Payments' payment experience

QuickBooks Payments offers payment processing integrated with QuickBooks branding:

• Accepts credit cards, ACH, PayPal, Venmo, and digital wallets
• Standard payment portal with QuickBooks branding
• Online and in-person payment acceptance
• Transaction fees: 2.99% for online card payments, 1% for ACH
• Next-day deposits for most payment methods

ResolvePay's branded payment experience

ResolvePay provides a white-label B2B payment solution:

• Accepts ACH, wire, credit card, and check through branded portal
• White-label customer experience maintaining merchant brand identity
• Credit card processing fees passed to buyers as an option
• Customizable payment terms (30, 60, 90 days) based on customer creditworthiness
• Automated payment reminders and collections reducing friction

The white-label approach is particularly valuable for B2B relationships. ResolvePay's payment portal appears as a seamless extension of the merchant's brand, preserving customer relationships and professional appearance throughout the payment experience.

Additionally, ResolvePay's ability to pass credit card fees to buyers—rather than absorbing them as a merchant cost—provides significant savings for businesses processing high-value B2B transactions.

Pricing structures and total value comparison

QuickBooks Payments pricing model

QuickBooks Payments charges transaction-based fees:

• Transaction fees: 2.99% for online card payments, 1% for ACH, 2.5% for in-person
• Requires active QuickBooks subscription ($360-2,400 USD annually)
• No monthly fees for payment processing itself
• Additional 1.75% fee for instant deposits
• Standard payment processing with no financing included

ResolvePay's value-based pricing

ResolvePay offers comprehensive B2B financing with transparent pricing:

• Fee structure typically around 3.15% on 30-day net terms with up to 100% advance
• No monthly fees or minimum commitments
• 100% non-recourse financing eliminating bad debt risk
• AI-powered AR automation saving approximately 14 hours/week
• Multi-platform integration included at no extra cost

For B2B companies offering net terms, the total value calculation often favors ResolvePay's comprehensive approach:

• ResolvePay estimated cost: ~3.15% fee (approximately $37,800 USD annually on $1.2M)
• Minus AR labor savings: Approximately $21,840 USD annually (14 hours/week @ $30 USD/hour)
• Minus bad debt elimination: Estimated $12,000-36,000 USD annually (1-3% of revenue)
• Minus working capital value: Estimated $25,000-50,000 USD annually from faster payment

Net result: ResolvePay often delivers net positive ROI for B2B net terms merchants through the combination of bad debt elimination, AR automation, and working capital acceleration.

Strategic positioning and business philosophy

QuickBooks Payments' business focus

QuickBooks Payments serves as a payment processing utility within the QuickBooks ecosystem. The platform focuses on enabling transactions for QuickBooks users across various business types, with emphasis on seamless accounting integration and ease of use for small businesses.

ResolvePay's B2B-first philosophy

ResolvePay operates with a distinctly B2B focus, built around the principle that embedded payments are the future of B2B commerce. The platform's guiding vision emphasizes simplicity, relational focus, and embedded solutions that enhance B2B relationships while streamlining complex workflows.

ResolvePay positions itself as a "credit team on tap," integrating previously disparate resources—embedded credit expertise, embedded invoice financing, and embedded payments—into a single platform. This integrated approach recognizes that B2B payments differ fundamentally from B2C transactions, requiring sophisticated credit management, relationship preservation, and cash flow protection.

The strategic difference reflects each platform's core mission: QuickBooks Payments enhances the QuickBooks accounting experience with payment processing, while ResolvePay transforms B2B payment relationships by enabling merchants to offer competitive net terms without sacrificing cash flow or assuming risk.

Scalability and growth enablement

QuickBooks Payments' scalability model

QuickBooks Payments scales within the QuickBooks ecosystem:

• Supports businesses from startup to established operations using QuickBooks
• Grows with QuickBooks feature set expansion
• Works best for businesses committed to QuickBooks accounting platform
• Standard payment processing capabilities across business sizes

ResolvePay's growth acceleration features

ResolvePay is specifically designed to drive B2B revenue growth:

• Increased customer purchasing power: Customers can buy what their business needs now and pay later with 0% interest for 30-60 days
• Larger order values: Net terms financing enables customers to place larger orders than immediate cash flow would allow
• Enhanced customer loyalty: Flexible payment terms increase retention and repeat purchases
• Competitive differentiation: Offering net terms like Amazon Business helps win new customers
• Multi-platform scalability: Supports business growth from QuickBooks to NetSuite without platform changes

ResolvePay customers report significant growth impacts, with case studies showing companies like Archipelago tripling their revenue and SSSI achieving 5x revenue growth through ResolvePay's net terms capabilities.

For B2B companies looking to scale, ResolvePay removes payment barriers that traditionally limit customer purchasing decisions, enabling growth through enhanced buying power and competitive payment terms.

Why ResolvePay delivers superior value for B2B businesses

B2B companies offering net terms face unique challenges that make specialized financing platforms particularly valuable. These businesses need comprehensive financing, risk protection, and AR automation to compete effectively while maintaining healthy cash flow.

Key advantages of ResolvePay's integrated B2B approach:

• Complete risk protection: 100% non-recourse financing protects against bad debt and customer defaults, eliminating typical B2B credit losses estimated at 1-3% of revenue
• Immediate cash flow: Payment in 1-2 days instead of waiting 30-90 days transforms working capital availability and enables business growth
• AR automation savings: Approximately 90% reduction in manual work saves an estimated 14+ hours weekly, allowing finance teams to focus on strategic activities
• Multi-platform compatibility: Integration with QuickBooks, NetSuite, Sage, and Xero ensures the platform scales with your business
• Growth enablement: Net terms financing increases customer purchasing power, enabling larger orders and higher revenue without increasing merchant risk

For B2B companies processing $1M+ annually in net terms invoices, ResolvePay represents a specialized approach to B2B payments built specifically for companies that need to offer competitive payment terms. The combination of comprehensive financing, complete risk protection, advanced automation, and multi-platform integration creates a value proposition designed specifically for B2B net terms needs.

Many businesses use both platforms for different purposes—QuickBooks Payments for immediate transaction processing within QuickBooks and ResolvePay for net terms financing—with both solutions integrating seamlessly through QuickBooks accounting.

Frequently Asked Questions

What is the main difference between ResolvePay and QuickBooks Payments for B2B businesses?

ResolvePay is a B2B net terms financing platform that pays merchants upfront (in 1-2 days) while assuming all credit risk, whereas QuickBooks Payments is a payment processor integrated with QuickBooks accounting. For B2B businesses offering net 30/60/90 terms, ResolvePay eliminates the cash flow gap and bad debt risk through 100% non-recourse financing, while QuickBooks Payments focuses on processing immediate transactions within the QuickBooks ecosystem.

Does ResolvePay offer non-recourse invoice financing, and what does that mean?

Yes, ResolvePay provides 100% non-recourse financing, meaning merchants keep their advance payment even if customers default on payment (for approved, non-disputed invoices). This eliminates typical B2B bad debt losses estimated at 1-3% of revenue and transfers all credit risk to ResolvePay, giving merchants complete protection against customer non-payment.

How does ResolvePay use AI to automate accounts receivable and credit checks?

ResolvePay uses AI agents to manage AR workflows including automated payment reminders, collections management, and reconciliation, reducing manual work by approximately 90%. For credit checks, ResolvePay combines AI models with behavioral signals and human expertise to deliver instant to 24-hour credit decisions using only a business name and address—no customer interaction required.

What are the typical fees associated with using ResolvePay's net terms services?

ResolvePay's fee structure typically runs around 3.15% on 30-day net terms with up to 100% advance on approved invoices. This fee includes comprehensive services: 100% non-recourse financing, AI-powered credit checks, upfront payment in 1-2 days, AR automation, white-label payment portal, and collections management. For B2B businesses offering net terms, this fee structure often delivers net positive ROI through bad debt elimination and AR automation savings.

How does ResolvePay help businesses increase their B2B sales and customer buying power?

ResolvePay enables customers to buy what their business needs now and pay later with 0% interest for 30-60 days, increasing their purchasing power and enabling larger orders. This financing capability helps merchants win new business, increase order values, and improve customer retention—similar to how Amazon Business operates. ResolvePay customers report significant growth impacts, with case studies showing revenue increases of 3x to 5x through net terms financing.

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.