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.
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.
QuickBooks Payments provides transaction processing integrated with QuickBooks accounting:
This transaction-focused approach serves businesses that primarily receive immediate payments through the QuickBooks ecosystem.
ResolvePay delivers comprehensive B2B financing and automation:
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.
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 was built specifically to enable B2B net terms. The platform allows merchants to:
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.
QuickBooks Payments follows a standard payment processing model:
ResolvePay provides B2B-specific cash flow solutions:
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.
QuickBooks Payments provides AR functionality integrated with QuickBooks:
ResolvePay delivers advanced AR automation specifically designed for B2B workflows:
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.
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 provides comprehensive B2B credit assessment as a core feature, combining AI models, behavioral signals, and human expertise:
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.
QuickBooks Payments integrates natively with the QuickBooks ecosystem:
ResolvePay provides broad platform compatibility designed to scale with growing businesses:
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.
QuickBooks Payments offers payment processing integrated with QuickBooks branding:
ResolvePay provides a white-label B2B payment solution:
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.
QuickBooks Payments charges transaction-based fees:
ResolvePay offers comprehensive B2B financing with transparent pricing:
For B2B companies offering net terms, the total value calculation often favors ResolvePay's comprehensive approach:
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.
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 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.
QuickBooks Payments scales within the QuickBooks ecosystem:
ResolvePay is specifically designed to drive B2B revenue growth:
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.
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:
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.
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.
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.
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.
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.
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.