When B2B businesses need to offer net payment terms while protecting cash flow and minimizing risk, choosing the right financing platform becomes a critical strategic decision. Two options in this space—ResolvePay and Terms.Tech—serve different markets and business needs. Terms.Tech focuses on the European Economic Area with extended payment terms up to 120 days, while ResolvePay specializes in the US market with 100% non-recourse financing and transparent pricing. For US-based businesses that need risk-free net terms, fast implementation, and seamless integration with existing financial systems, understanding how B2B payment solutions work is essential to making the right choice.
Net payment terms have become essential for B2B commerce, allowing businesses to increase customer purchasing power while maintaining healthy cash flow. Traditional net terms like Net 30 or Net 60 enable buyers to receive goods or services immediately while delaying payment, fostering loyalty and encouraging larger orders. According to the U.S. Chamber of Commerce, offering net terms is one of the most effective ways to build strong B2B relationships. However, offering these terms traditionally requires businesses to act as their own bank—assuming all credit risk and managing complex accounts receivable processes.
ResolvePay transforms this paradigm with its B2B Net Terms solution, which simplifies B2B BNPL net terms and AR automation to help businesses reduce bad debt, accelerate cash flow, and drive sales growth. The platform integrates payments, credit, and liquidity into a single infrastructure, delivering a consistent, high-conversion experience whether customers transact online, offline, through field reps, or via embedded checkout.
Terms.Tech serves the European market with flexible payment terms ranging from 15-120 days, offering options for installments and subscriptions tailored to European business practices. ResolvePay's focused approach on Net 30, 45, 60, and 90-day terms aligns with standard US B2B payment practices while providing immediate cash flow through advance payments.
For US-based businesses operating in B2B marketplaces that use net terms, ResolvePay provides a combination of flexibility, protection, and simplicity designed to support sustainable growth.
One of ResolvePay's key features is its approach to risk management. ResolvePay offers 100% non-recourse financing, meaning all cash advances are non-recourse so what you get is always yours to keep. This zero-risk model completely eliminates merchant liability for customer defaults on approved invoices—providing significant value for businesses concerned about bad debt.
ResolvePay's Better Than Factoring solution exemplifies this risk management approach. As a modern alternative to factoring, ResolvePay provides non-recourse financing that isn't a loan, with transparent fee structures. The platform runs smart credit checks, and approved customers qualify for Advance Pay—up to 100% paid upfront on invoices.
This risk management approach makes ResolvePay particularly valuable for businesses in industries with variable payment histories or those looking to expand their customer base while maintaining financial stability. By eliminating merchant risk on approved transactions, ResolvePay enables businesses to offer net terms confidently.
Manual accounts receivable processes consume significant time and resources while increasing the risk of errors and delayed payments. According to the Small Business Administration, effective cash flow management is critical for business survival and growth. ResolvePay's Accounts Receivable with AI-Powered Automation platform transforms this challenge into a strategic advantage through intelligent automation powered by large language models (LLMs).
The platform streamlines credit, invoicing, and collections while empowering finance leaders to scale operations with precision and without manual overhead. AI agents manage workflows, automate payment reminders, and reduce friction in collections, while automated reconciliation handles any invoice structure—net terms, COD, or due upon receipt—with reported reduction in manual work of around 90% by customers.
The platform's AI-driven capabilities ensure every transaction is synced and reconciled automatically, with smart bookkeeping automation that maps and syncs transaction data in real time.
This comprehensive automation approach not only reduces operational costs but also improves cash flow predictability and customer satisfaction. For businesses processing significant invoice volumes, the time savings and error reduction can deliver substantial operational value.
Credit decision quality directly impacts sales conversion, risk management, and customer experience. ResolvePay's Business Credit Check platform delivers instant, data-rich credit decisions through a combination of AI, behavioral signals, and human expertise.
The platform's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions in seconds to 48 hours for qualified customers. This speed enables immediate buyer gratification and faster sales cycles. Resolve's credit experts, formerly of Amazon, PayPal, and Fortune 500 firms, deliver comprehensive credit insights combining algorithmic precision with human judgment.
This advanced credit assessment capability enables businesses to offer net terms confidently to a broader range of customers while maintaining strict risk controls. The ability to approve larger credit lines for qualified customers directly translates to increased sales opportunities and stronger customer relationships.
Seamless integration with existing financial and e-commerce systems is critical for platform adoption and operational efficiency. ResolvePay offers native integrations designed for the US B2B technology ecosystem.
ResolvePay's Integrations with Financial Tech Stack fit directly into B2B ecommerce and accounting systems—with instant plug-ins, flexible APIs, and automated syncing. The platform offers native integrations with QuickBooks Online, NetSuite, Sage Intacct, Xero, Magento 2, Shopify, BigCommerce, and WooCommerce, enabling businesses to implement in hours to days rather than weeks or months.
This embedded approach aligns with the industry trend that embedded payments are becoming central to B2B commerce. By making credit and payment capabilities seamless components of existing workflows, ResolvePay enhances the buyer experience while simplifying seller operations.
For businesses already invested in the US B2B technology ecosystem, ResolvePay's native integrations provide immediate value without requiring significant technical resources or extended implementation timelines.
Offering net terms isn't just about accommodating customer payment preferences—it's a powerful sales and retention strategy. ResolvePay's Resolve for Sellers platform enables businesses to unlock working capital while giving buyers the credit they need to expand their budgets and make larger purchases.
The platform provides buyers with a dedicated line of credit, allowing them to place larger orders and purchase more frequently. Resolve pays sellers upfront for Net 30-60 terms billed to customers, while handling billing, collections, and repayment risk. This approach transforms net terms from a cash flow challenge into a growth accelerator.
The ability to offer net terms without sacrificing cash flow or assuming credit risk creates a competitive advantage. Customers can buy what their business needs now and pay later, while sellers receive payment quickly—creating a win-win scenario that drives sustainable business growth.
Managing collections while maintaining positive customer relationships requires careful balance. Following best practices from AICPA, ResolvePay's Net Terms Management platform provides comprehensive collections support while preserving brand integrity through white-label features.
The platform automates time-consuming tasks of payment reminders, servicing, and collections, with Resolve handling credit assessment, payment processing, and late payment follow-up. Businesses maintain ownership of customer relationships through branded payment portals that accept ACH, check, and credit card payments, ensuring consistent brand experience throughout the payment lifecycle.
This comprehensive AR management approach—combined with ResolvePay's "credit team on tap" support—enables businesses to offer professional credit and collections services without building internal teams or disrupting customer relationships. The result is improved cash flow, reduced administrative burden, and maintained brand integrity.
Pricing transparency and flexibility are critical factors in platform selection. ResolvePay provides clear, upfront pricing with flexible advance options tailored to business needs.
ResolvePay's pricing structure features a flat fee starting at around 3.15% USD on 30-day net terms invoices with a 100% advance. For higher-risk customers, advance rates may be 75% or 50%, with corresponding fee adjustments. This transparent pricing model enables businesses to calculate ROI and budget accurately.
This transparent pricing approach aligns with ResolvePay's commitment to simplicity and trust. Businesses can evaluate costs before implementation, enabling confident decision-making and accurate ROI projections. The absence of setup fees, monthly minimums, and hidden costs makes ResolvePay accessible to businesses of all sizes, from growing SMBs to enterprise organizations.
For US-based businesses seeking predictable costs and flexible financing options, ResolvePay's transparent pricing model provides clarity for financial planning.
ResolvePay's non-recourse financing completely eliminates merchant risk on approved invoices—what you get is always yours to keep. Unlike traditional factoring, which often involves recourse provisions and complex fee structures, ResolvePay provides transparent pricing starting at around 3.15% USD on 30-day net terms. The platform advances up to 100% of invoice value within 24 hours while assuming all credit risk, collections responsibility, and late payment risk. This modern alternative to factoring enables businesses to offer net terms confidently while maintaining predictable cash flow and zero liability for customer defaults on approved invoices.
ResolvePay's AI-powered platform reduces bad debt through sophisticated credit assessment combining proprietary AI models, behavioral signals, and human expertise from former Amazon, PayPal, and Fortune 500 professionals. The system evaluates thousands of data points to generate dynamic credit decisions in seconds to 48 hours for qualified customers, approving creditworthy applications while managing risk exposure. For approved invoices, ResolvePay advances up to 100% within 24 hours, transforming the traditional 30-90 day payment cycle into immediate cash flow. The platform also automates collections through AI agents that manage payment reminders and follow-up, reducing DSO while maintaining professional customer relationships.
Yes, ResolvePay offers native integrations with leading US ERP and accounting systems including QuickBooks Online, NetSuite, Sage Intacct, and Xero. The platform automatically syncs transaction records to your accounting software, linked to original invoices, eliminating manual data entry and reconciliation. For ecommerce platforms, ResolvePay integrates natively with Shopify, BigCommerce, Magento, and WooCommerce through instant plug-ins and checkout extensions. The flexible API can also be integrated into custom platforms, with technical support ensuring seamless implementation. This embedded approach ensures your financial data flows automatically between systems, reducing errors and administrative overhead.
ResolvePay charges a transparent flat fee starting at around 3.15% USD on 30-day net terms invoices with a 100% advance. For higher-risk customers, advance rates may be 75% or 50% with corresponding fee adjustments. There are no setup fees, monthly minimums, or hidden costs—credit card fees are passed directly to buyers through the online payment portal. This transparent pricing model enables businesses to calculate costs upfront and budget accurately. The fee structure represents a modern alternative to factoring, providing complete non-recourse protection and immediate cash flow for a predictable, single fee.
ResolvePay's credit assessment process requires minimal information—just your customer's business name and address. The platform handles credit checks discreetly with no customer interaction needed, delivering results within 24 business hours. Proprietary AI models evaluate thousands of data points while human experts provide additional judgment, creating a comprehensive risk assessment. Some purchases up to $25,000 USD may qualify for instant approvals, enabling immediate buyer gratification. The system also offers quiet pre-approval checks for existing customers, maintaining relationships while ensuring creditworthiness. All credit decisions are made at Resolve's discretion and subject to buyer verification, with maximum credit line sizes customized based on individual risk profiles.
Your buyers experience significant benefits when you offer net terms through ResolvePay. They can buy what their business needs now and pay later with 0% interest for 30-60 days, increasing their purchasing power without immediate cash outlay. The branded payment portal accepts multiple payment methods including ACH, wire, credit card, and check, providing flexibility and convenience. Approved customers receive dedicated credit lines they can draw against for future purchases, fostering loyalty and repeat business. The application process is seamless—often requiring no additional forms or customer interaction—and some purchases qualify for instant approval. This enhanced buyer experience directly translates to larger orders, increased purchase frequency, and stronger customer relationships.
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.