ResolvePay vs TreviPay

When B2B businesses need to streamline their accounts receivable processes and offer net payment terms to customers, choosing between payment platforms becomes a critical decision. According to the Federal Trade Commission, effective B2B payment solutions play a crucial role in maintaining healthy business relationships and cash flow. Two prominent options—ResolvePay and TreviPay—represent different approaches to B2B payments and credit management. TreviPay offers enterprise-grade solutions with over 40 years of experience serving large multinational corporations, while ResolvePay delivers a modern, risk-free alternative designed for today's fast-moving B2B commerce environment. This comparison explores ResolvePay's transparent, non-recourse model and how it serves small to mid-market businesses.

Key Takeaways

• ResolvePay offers 100% non-recourse financing with zero merchant risk, allowing businesses to offer net terms confidently without exposure to buyer defaults
• ResolvePay provides transparent pricing starting at 3.15% USD for 30-day net terms with 90% advance, with clear fee structures and no hidden costs
• ResolvePay enables rapid deployment in hours to days with same-day integration possible, helping businesses start offering net terms quickly
• ResolvePay delivers payment advances within 24 hours on approved invoices, accelerating cash flow for growing businesses
• ResolvePay eliminates setup fees, monthly minimums, and volume commitments, making it accessible to businesses of all sizes starting at $1M USD+ in annual B2B revenue

Understanding each company's core positioning

TreviPay positions itself as an enterprise-grade B2B payments and accounts receivable automation platform with deep roots in traditional financial services. Founded in 1978 and headquartered in Overland Park, Kansas, TreviPay has built its reputation on processing $8 billion USD+ in B2B trade annually across 20+ countries. The company serves large enterprises requiring comprehensive payment solutions with global reach and has been recognized as an IDC MarketScape Leader for Worldwide Embedded Payment Applications.

ResolvePay takes a different approach, focusing on small to mid-market businesses. Founded in 2019 as a spin-off from Affirm and based in San Francisco, California, ResolvePay specializes in embedded credit expertise, embedded invoice financing, and embedded payments for the modern B2B commerce landscape. The platform has already served 15,000+ businesses with its mission to help merchants grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes.

The fundamental difference lies in target market and scale: TreviPay builds comprehensive enterprise payment infrastructure for multinational corporations, while ResolvePay provides agile, risk-free financing solutions that integrate seamlessly into existing business workflows for small to mid-market companies.

Service offerings show distinct strategic focuses

TreviPay's service portfolio spans comprehensive enterprise payment needs:

• Global B2B payments across 20+ countries and 10+ currencies
• Omnichannel support for online, in-store, mobile, and sales representative transactions
• Enterprise procurement platform integrations with Ariba, JAGGAER, and Coupa
• Fully managed AR services with outsourced collections and credit management
• E-invoicing compliance with global standards (XML, EDI, cXML)

This comprehensive approach serves multinational enterprises with complex global payment requirements across diverse markets and regulatory environments.

ResolvePay's services focus on high-impact areas that directly influence cash flow and sales growth for small to mid-market businesses:

• Accounts Receivable with AI-Powered Automation that reduces manual work by up to 90%
• B2B Net Terms with 100% non-recourse financing and up to 100% advance rates
• Business Credit Check services with instant, data-rich credit decisions
• B2B Payments Platform that streamlines net terms, reconciliation, and invoicing
• Integrations with Financial Tech Stack for seamless connection to existing business systems

The U.S. Small Business Administration notes that effective accounts receivable management is critical for business success. ResolvePay's specialization allows for deeper expertise in these areas, with the platform deployable in hours to days with same-day integration possible for businesses ready to start offering net terms immediately.

Risk management and financing models reveal different approaches

TreviPay's risk management approach:

• Flexible risk management options including both shared-risk and full risk assumption models
• Comprehensive credit assessment and monitoring for enterprise clients
• Fully managed collections services for large-scale operations
• Traditional underwriting processes refined over 40+ years in the industry

ResolvePay's risk management approach:

• 100% non-recourse financing with zero merchant risk on defaults
• All cash advances are non-recourse so what you get is always yours to keep
• Proprietary AI models evaluating thousands of buyer data points for dynamic credit decisions
• Resolve handles credit assessment, credit decision, and assumes the risk of late payments or defaults
• Credit expertise from former Amazon, PayPal, and Fortune 500 professionals

ResolvePay's risk approach enables businesses to offer net terms to customers knowing they'll receive payment regardless of buyer default. This allows businesses to expand their customer base and increase sales without balance sheet risk.

The Better Than Factoring approach means ResolvePay functions as a professional "AR and credit team on tap" while completely eliminating merchant risk through its 100% non-recourse financing model.

Pricing models reflect different value propositions

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

TreviPay's pricing structure:

• Custom quotes based on business needs and transaction volume
• Contact required for pricing details
• Enterprise-focused pricing tailored to large organizations
• Implementation and service costs determined on a case-by-case basis

ResolvePay's pricing structure:

• Transparent pricing starting at 3.15% USD for 30-day net terms with 90% advance
• Up to 3.5% USD for 30-day net terms with 100% advance
• Zero setup fees, monthly minimums, or volume commitments
• Credit card fees passed on to buyers through online payment portal
• Custom plans available for high-volume businesses

This pricing structure makes ResolvePay particularly attractive for businesses that need predictable costs without the complexity of enterprise negotiations. The transparent pricing model allows businesses to accurately forecast cash flow and ROI.

For businesses processing $100,000 USD monthly in invoices, ResolvePay's pricing structure translates to approximately $37,800 USD annually in transaction fees with no additional setup or monthly costs. TreviPay's custom pricing model requires direct contact for quotes tailored to specific business needs.

Target customers reveal strategic alignment differences

TreviPay primarily serves large enterprises with global operations:

• Businesses requiring 20+ country coverage and multi-currency support
• Companies needing credit lines exceeding $20M USD for large-scale operations
• Organizations with complex omnichannel sales requirements
• Enterprises with established procurement processes and IT infrastructure
• Companies with over 40 years preferring institutional backing and proven track records

ResolvePay targets small to mid-market businesses seeking growth:

• Companies with $1M USD+ annual B2B revenue
• Businesses needing to offer net terms without taking on credit risk
• Organizations seeking rapid deployment without lengthy IT projects
• Companies wanting transparent pricing without enterprise complexity
• Businesses looking to integrate net terms into existing e-commerce platforms

According to the U.S. Census Bureau, B2B e-commerce continues to grow significantly among small to mid-market businesses. While TreviPay excels at serving global enterprises with complex requirements, ResolvePay addresses the needs of small to mid-market B2B businesses that operate primarily in domestic markets and need straightforward, risk-free financing solutions.

Implementation timelines and integration capabilities

TreviPay's implementation approach:

• Enterprise implementation typically begins at around six weeks for comprehensive deployments
• Comprehensive onboarding with guided implementation process
• Enterprise procurement platform integrations (Ariba, JAGGAER, Coupa)
• Advanced APIs for dealer management systems
• Global e-invoicing compliance and regulatory requirements

ResolvePay's implementation approach:

• Hours to days deployment with same-day integration possible
• Single-click installation for e-commerce platforms
• Native integrations with Shopify, BigCommerce, WooCommerce, and Magento
• Direct ERP connections to QuickBooks, NetSuite, Sage Intacct, and Xero
• Flexible APIs for custom integration requirements

ResolvePay's rapid deployment model enables immediate revenue enhancement for businesses seeking to start offering net terms quickly without extended implementation timelines.

ResolvePay's Net Terms for Ecommerce solution integrates seamlessly into existing checkout flows, allowing businesses to start offering net terms immediately without disrupting customer experience.

Results and customer success demonstrate different scales

Both companies showcase impressive results that reflect their respective target markets and service models.

TreviPay's customer success highlights enterprise-scale achievements:

• $8 billion USD+ annual transaction volume processed globally
• IDC MarketScape Leader recognition for embedded payment applications
• Over 40 years of experience serving large enterprises
• Comprehensive AR automation for complex global operations
• Significant average order value increases reported by enterprise clients, including a 114% increase for Lenovo

ResolvePay's customer success emphasizes growth acceleration and risk elimination for small to mid-market businesses:

• ConEquip grew their net terms business with ResolvePay's support
• Archipelago tripled their revenue through ResolvePay's platform
• SSSI achieved 5x revenue growth with ResolvePay's financing solutions
• Businesses report positive ROI within 30 days in many cases
• Companies successfully eliminated credit risk while expanding their customer base

ResolvePay's platform enables businesses to achieve measurable growth outcomes while maintaining complete protection from buyer defaults through 100% non-recourse financing.

Technology and automation capabilities

TreviPay's technology approach:

• Comprehensive AR automation software with AI-enhanced features
• Advanced APIs for dealer management and procurement integration
• Global e-invoicing compliance with XML, EDI, and cXML standards
• Mobile applications for field sales representatives
• Enterprise-grade security and compliance infrastructure

ResolvePay's technology approach:

• AI-powered reconciliation that reduces manual work by up to 90%
• LLM-powered invoicing workflow for automatic transaction syncing
• Instant credit decisions powered by AI with results in seconds to 48 hours
• Smart bookkeeping automation that maps and syncs transaction data in real-time
• AI agents to manage workflows and automate payment reminders

ResolvePay's focus on AI-powered automation delivers significant efficiency gains for finance teams. The platform's ability to automate the entire net terms workflow from invoice to payment helps reduce DSO, accelerate cash flow, and improve the customer payment experience.

The Accounts Receivable with AI-Powered Automation platform streamlines credit, invoicing, and collections while empowering finance leaders to scale operations with precision and minimal manual overhead.

ResolvePay's distinct value proposition for small to mid-market B2B businesses

Small to mid-market B2B businesses face unique challenges that ResolvePay specifically addresses. These companies typically need risk-free financing, rapid deployment, and transparent pricing to accelerate growth without the complexity of enterprise solutions.

Key advantages of ResolvePay's approach:

• Complete risk elimination: 100% non-recourse financing ensures merchants keep all advances even if buyers default—no clawbacks, recourse, or shared risk exposure.
• Predictable costs: Transparent pricing starting at 3.15% USD with no hidden fees, setup costs, or monthly minimums enables accurate cash flow forecasting and ROI calculation.
• Immediate implementation: Hours to days deployment with same-day integration possible delivers immediate value for businesses ready to start offering net terms.
• Faster cash flow: Payment advances within 24 hours on approved invoices accelerate working capital optimization and improve cash conversion cycles.
• Seamless integration: Native connections to popular e-commerce platforms and accounting software enable businesses to offer net terms and grow revenue without disrupting existing workflows.

For businesses seeking to enhance customer relationships while streamlining complex workflows, ResolvePay offers a modern approach to B2B payments. The combination of embedded credit expertise, embedded invoice financing, and embedded payments creates a compelling value proposition for small to mid-market B2B businesses seeking to grow sales while eliminating credit risk.

Frequently Asked Questions

How does ResolvePay compare to traditional factoring services?

ResolvePay offers a modern alternative to traditional factoring with several key advantages. Unlike factoring which typically involves recourse obligations and complex contracts, ResolvePay provides 100% non-recourse financing where merchants keep all advances even if buyers default. ResolvePay's transparent pricing starting at 3.15% USD eliminates the hidden costs and complex fee structures common in factoring. The platform also integrates seamlessly with existing accounting and e-commerce systems, while traditional factoring often requires manual processes and separate management. Additionally, ResolvePay maintains your brand relationship with customers through white-label payment portals, whereas factoring companies often insert themselves between you and your customers.

What are the benefits of offering net terms through ResolvePay to my B2B customers?

Offering net terms through ResolvePay provides multiple strategic benefits. First, it increases buyer purchasing power by allowing customers to buy what they need now and pay later with no interest or fees for 30-60 days. This typically results in larger order sizes and increased customer retention. Second, ResolvePay eliminates your credit risk through 100% non-recourse financing, so you get paid upfront while customers maintain their preferred payment terms. Third, the platform accelerates your cash flow by advancing up to 100% of invoice value within 24 hours. Finally, ResolvePay's seamless integration maintains your brand relationship while providing customers with a professional payment experience that enhances loyalty and drives repeat purchases.

How does ResolvePay manage credit risk and collections?

ResolvePay manages credit risk through a comprehensive approach that completely eliminates merchant exposure. The platform uses proprietary AI models that evaluate thousands of buyer data points to generate dynamic, scalable credit decisions. ResolvePay's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver credit insights beyond traditional bureaus. Once credit is approved, ResolvePay advances up to 100% of the invoice value and assumes all credit risk. The platform then handles the entire collections process, including automated payment reminders and professional collections management for late payments. This means merchants get paid upfront while ResolvePay manages all aspects of credit assessment, billing, and collections.

What integrations does ResolvePay offer with existing business software?

ResolvePay offers comprehensive integrations with popular business software platforms. For accounting systems, ResolvePay integrates natively with QuickBooks, NetSuite, Sage Intacct, and Xero, automatically syncing transaction data and maintaining accurate books. For e-commerce platforms, the platform offers seamless integration with Shopify, BigCommerce, WooCommerce, and Magento, enabling businesses to offer net terms directly at checkout. ResolvePay also provides flexible APIs for custom integration requirements and connects with ERP systems for businesses with more complex needs. The platform's integration capabilities ensure that businesses can implement net terms without disrupting existing workflows or requiring manual data entry.

Can small businesses with less than $1M USD annual revenue use ResolvePay?

ResolvePay requires businesses to have $1M USD+ annual B2B revenue to qualify for the platform. This minimum requirement ensures that the platform serves businesses with sufficient transaction volume to benefit from the service. However, for businesses approaching this threshold, ResolvePay's transparent pricing model and lack of monthly minimums make it an accessible solution once they meet the requirement. The $1M USD minimum is designed to serve the small to mid-market segment that represents a significant portion of B2B businesses.

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

ResolvePay offers transparent, predictable pricing with no hidden fees. The pricing structure starts at 3.15% USD for 30-day net terms with 90% advance and up to 3.5% USD for 30-day net terms with 100% advance. There are zero setup fees, monthly minimums, or volume commitments, making the platform accessible to businesses of qualifying size. Credit card processing fees are passed on to buyers through the online payment portal, so merchants don't bear these costs. Custom pricing is available for high-volume businesses, but the transparent base pricing allows businesses to accurately forecast their costs and ROI without requiring custom quotes or negotiations.

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.