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.
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.
ResolvePay's service portfolio centers on empowering B2B sellers to offer net terms without financial risk:
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:
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.
The pricing structures reveal each platform's target market and service philosophy.
ResolvePay's pricing structure:
Tipalti's pricing structure:
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.
ResolvePay primarily serves B2B merchants with $1M+ annual revenue who need to:
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:
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.
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:
Tipalti's results emphasize AP automation and global payment efficiency:
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.
ResolvePay's methodology centers on embedded, relational, and simple solutions:
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:
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.
ResolvePay's integration ecosystem focuses on B2B commerce and accounting platforms:
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:
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.
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:
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.
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.
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.
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.
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.
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.