ResolvePay vs Tipalti

When B2B businesses evaluate payment automation solutions, understanding the fundamental difference between Accounts Receivable and Accounts Payable platforms is critical. ResolvePay and Tipalti represent opposite sides of the B2B payment equation—ResolvePay helps sellers get paid faster through embedded net terms financing, while Tipalti helps buyers pay their vendors efficiently. According to some research on B2B payments, businesses increasingly seek specialized solutions for their specific payment challenges rather than one-size-fits-all platforms.

Key Takeaways

ResolvePay specializes in Accounts Receivable automation with B2B BNPL financing (helping sellers get paid), while Tipalti focuses on Accounts Payable automation (helping buyers pay vendors)
ResolvePay offers 100% non-recourse financing with 3.15% fees on 30-day net terms, eliminating credit risk for merchants
Implementation time differs dramatically: ResolvePay deploys in hours to 2 days versus Tipalti's implementation that can range from weeks to several months depending on complexity
ResolvePay delivers AI-powered credit decisions in 30 seconds to 48 hours with up to 100% advance payment, while Tipalti handles vendor payments without credit assessment
For B2B sellers needing to offer net terms without cash flow impact, ResolvePay's embedded financing model addresses the unique challenges of Accounts Receivable management

Understanding each company's core positioning

ResolvePay positions itself as the B2B payments platform that does it all, combining embedded credit expertise, invoice financing, and payments into a single solution. Founded in 2018 by former Affirm executives, ResolvePay helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payments processes. The platform serves as the "nerve center" for every B2B transaction, whether ecommerce, marketplace, traditional sales, or hybrid.

Tipalti takes a different approach, focusing exclusively on Accounts Payable automation and global mass payments. Founded in 2010 and based in Foster City, California, Tipalti helps businesses automate vendor payments across 196 countries with comprehensive tax compliance and payment orchestration. The platform processes over $75 billion+ annually for 5,000+ businesses, primarily serving mid-market companies with complex AP needs.

The fundamental distinction: ResolvePay solves the seller's problem of getting paid, while Tipalti solves the buyer's problem of paying vendors. This core difference drives all subsequent feature, pricing, and implementation variations between the platforms.

Service offerings show distinct strategic focuses

ResolvePay's service portfolio centers on empowering B2B sellers to offer net terms without financial risk:

B2B Net Terms with 3.15% fees on 30-day terms and up to 100% advance payment
AI-powered Accounts Receivable automation with automated reconciliation and collections
Free business credit checks with 24-hour turnaround requiring only business name and address
Embedded B2B BNPL checkout for ecommerce platforms like Shopify, BigCommerce, and WooCommerce
White-label payment portals accepting ACH, wire, credit card, and check

This comprehensive AR-focused approach enables sellers to offer net terms and grow revenue while eliminating cash flow constraints and credit risk.

Tipalti's services focus on AP automation and global payments:

Global vendor payments across 196 countries with 120 currencies
Automated tax compliance with W-8/W-9 collection and VAT handling
Mass payment capabilities for affiliates and marketplaces
2/3-way PO matching and procurement workflows
Supplier management with multi-language portals

Tipalti excels at helping companies manage complex vendor payment operations across multiple countries and currencies. ResolvePay's integrated AR approach allows sellers to get paid in 1 day instead of 60 while their customers enjoy flexible net terms, addressing the specific cash flow challenges that B2B sellers face.

Pricing models reflect different value propositions

The pricing structures reveal each platform's target market and service philosophy.

ResolvePay's pricing structure:

Transaction-based fees: 3.15% on 30-day net terms with up to 100% advance
No monthly subscription fees or minimum commitments
Free business credit checks with no hidden costs
Custom plans available for high-volume merchants
All cash advances are non-recourse so what you get is always yours to keep

Tipalti's pricing structure:

Monthly subscription model: Starting around $115$-244 per month depending on features
Implementation costs: Variable based on complexity
Transaction fees based on payment methods
Enterprise pricing: Custom quotes for high-volume users

ResolvePay's transparent, usage-based pricing eliminates the overhead of monthly commitments while providing immediate cash flow benefits through invoice advancement. For B2B merchants who want to pay only when they use the service and get paid upfront for their invoices, the non-recourse financing model ensures that even if customers don't pay, they keep 100% of their advance.

Target customers reveal strategic alignment differences

ResolvePay primarily serves B2B merchants with $1M+ annual revenue who need to:

Offer net terms to customers without tying up working capital
Accelerate cash flow while maintaining customer relationships
Eliminate credit risk and bad debt exposure
Integrate B2B BNPL into ecommerce checkout flows
Automate accounts receivable and collections processes

Trusted by over 12,000 businesses, ResolvePay's platform is ideal for manufacturers, distributors, and B2B ecommerce companies seeking to enhance buyer purchasing power while protecting their cash flow.

Tipalti targets companies with complex AP needs, particularly:

Mid-market businesses processing 1,000+ invoices monthly
Companies with global vendor payments across multiple countries
Organizations requiring comprehensive tax compliance automation
Marketplaces and platforms managing affiliate payouts
Enterprises needing mass payment capabilities

This distinction matters significantly for B2B sellers. Research from PYMNTS on B2B financing shows that offering net terms can increase B2B sales by up to 30%, making the choice of AR solution critical for growth-focused merchants. ResolvePay's specialized focus on AR automation with embedded financing addresses this specific need, while Tipalti serves companies looking to streamline their vendor payment operations.

Results and case studies demonstrate execution speed advantages

Both platforms showcase impressive results, but the nature and speed of these results differ significantly.

ResolvePay's case studies highlight rapid implementation and immediate cash flow impact:

Archipelago: Tripled revenue through Resolve's net terms offering
SSSI: Achieved 5x revenue growth with Resolve's platform
Implementation timeline: Results typically emerge within hours to 2 days of deployment
Credit decisions: 30 seconds to 48 hours for instant approvals

Tipalti's results emphasize AP automation and global payment efficiency:

$75 billion+ processed annually across 5,000+ businesses
Significant AP workload reduction through automation
Implementation timeline: Can range from a few weeks for standard setups to several months for complex enterprise deployments
Global reach: 196 countries with comprehensive tax compliance

ResolvePay's rapid deployment enables immediate cash flow improvement while maintaining customer relationships through flexible net terms. The platform's quick implementation means B2B sellers can start offering net terms and receiving advance payments within days rather than months.

Methodology and approach define the engagement experience

ResolvePay's methodology centers on embedded, relational, and simple solutions:

AI-powered credit decisions using proprietary models evaluating thousands of data points
Non-recourse financing that eliminates seller risk on approved invoices
Embedded checkout integration that maintains white-label customer experience
Automated collections with AI agents managing payment reminders and follow-ups
Real-time syncing with accounting platforms like QuickBooks, NetSuite, and Xero

This approach ensures that B2B sellers can offer net terms seamlessly while ResolvePay handles the credit assessment, underwriting, and collections process.

Tipalti's approach emphasizes global payment orchestration and AP automation:

Comprehensive tax compliance with automated W-8/W-9 collection
Mass payment capabilities for thousands of payees simultaneously
Multi-entity support for complex organizational structures
Supplier self-billing and onboarding portals
FX hedging and currency management for international payments

ResolvePay's methodology directly addresses how B2B sellers can offer net terms without sacrificing cash flow or assuming credit risk by combining credit expertise, invoice financing, and payments into a single platform. The result is a solution designed specifically for the challenges of B2B commerce on the seller side.

Integration ecosystem and technical capabilities

ResolvePay's integration ecosystem focuses on B2B commerce and accounting platforms:

Ecommerce platforms: Shopify, BigCommerce, WooCommerce, Magento 2
Accounting software: QuickBooks Online, NetSuite, Xero, Sage Intacct
ERP systems: Oracle, Microsoft Dynamics
Flexible APIs for custom implementations
Real-time data syncing with automated bookkeeping

The platform's ecommerce focus enables seamless embedded net terms at checkout, allowing B2B buyers to apply for credit and complete purchases without leaving the merchant's site.

Tipalti's integration ecosystem emphasizes enterprise AP and payment systems:

70+ ERP and accounting systems including SAP, Oracle, NetSuite
Performance marketing platforms: Everflow, LinkTrust, HitPath
Expense management systems and procurement tools
Global banking networks and payment processors
API-driven architecture for custom payment orchestration

ResolvePay's ecommerce-native approach serves B2B merchants selling online with integrations that enable BNPL and net terms directly at checkout, creating a seamless buyer experience while solving the seller's cash flow challenges. For B2B companies with significant online sales, ResolvePay's native ecommerce integrations provide immediate value for AR automation.

Why ResolvePay delivers value for B2B sellers

B2B merchants face unique challenges when it comes to offering net terms while maintaining healthy cash flow. ResolvePay's platform addresses these specific needs with features designed for the seller side of B2B transactions.

Key advantages of ResolvePay's approach:

Non-recourse financing: 100% risk elimination on approved invoices ensures bad debt doesn't impact your bottom line
Speed of implementation: Hours to 2 days deployment means immediate cash flow improvement
Transparent pricing: 3.15% flat fee on 30-day net terms with no monthly commitments or hidden costs
Embedded commerce: Native ecommerce integrations enable seamless BNPL checkout experiences
AI-powered automation: Automated credit decisions and collections reduce manual overhead by up to 50%

For B2B sellers seeking to increase customers' buying power via credit lines and net payment terms, ResolvePay represents a modern approach to B2B payments. The combination of embedded financing, risk elimination, and rapid implementation creates a compelling solution for merchants who need to offer net terms without the traditional cash flow constraints and credit risks.

Frequently Asked Questions

How does ResolvePay compare to Tipalti's core B2B payment features?

ResolvePay and Tipalti serve fundamentally different functions in the B2B payment ecosystem. ResolvePay focuses on Accounts Receivable automation with B2B BNPL financing, helping sellers get paid faster while offering net terms to customers. Tipalti specializes in Accounts Payable automation, helping buyers pay their vendors efficiently across 196 countries. For B2B merchants needing to offer net terms without cash flow impact, ResolvePay's non-recourse financing model addresses AR challenges, while Tipalti serves companies with complex global vendor payment needs.

What are the key differences in accounts receivable automation between ResolvePay and Tipalti?

ResolvePay offers comprehensive AI-powered Accounts Receivable automation with features like automated credit decisions, invoice advancement, collections management, and payment reconciliation. The platform uses AI agents to manage workflows and reduce manual overhead by up to 50%. Tipalti, as an AP-focused platform, specializes in vendor payment automation rather than AR functions. For B2B sellers needing AR automation with embedded financing, ResolvePay provides dedicated features for this use case.

How does ResolvePay's net terms offering benefit both buyers and sellers?

ResolvePay's net terms offering creates value for both parties. Sellers receive 90-100% of invoice value within 1-2 days while customers get 30-90 days to pay, eliminating cash flow constraints. The platform's 100% non-recourse financing means sellers don't assume credit risk on approved invoices. Buyers benefit from 0% interest financing for 30-60 days and enhanced purchasing power without tying up their credit lines. This approach allows sellers to offer net terms and grow revenue while buyers can buy what their business needs now and pay later.

Does ResolvePay handle credit assessments and collections, and is it non-recourse?

Yes, ResolvePay handles the complete credit lifecycle. The platform provides free business credit checks requiring only a company name and address, with results delivered within 24 hours. AI-powered underwriting evaluates thousands of data points to generate instant credit decisions. ResolvePay also manages automated collections with AI agents sending payment reminders and handling follow-ups. Crucially, all cash advances are 100% non-recourse, meaning sellers keep their advance payments even if customers don't pay, eliminating bad debt risk entirely.

What integrations does ResolvePay offer for existing financial tech stacks?

ResolvePay offers comprehensive integration with leading financial platforms. Ecommerce integrations include Shopify, BigCommerce, WooCommerce, and Magento 2, enabling embedded BNPL checkout. Accounting software integrations cover QuickBooks Online, NetSuite, Xero, and Sage Intacct with real-time data syncing and automated bookkeeping. The platform also integrates with ERP systems like Oracle and Microsoft Dynamics. Flexible APIs allow custom implementations for unique business requirements, ensuring seamless connection with existing tech stacks.

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.