ResolvePay vs TreviPay vs HighRadius: Enterprise B2B Payment Solutions Compared in 2026

Choosing the right B2B payment platform determines whether your finance team spends months integrating software or starts collecting cash in days. ResolvePay is the strongest option for mid-market suppliers who need net terms financing with zero credit risk exposure. TreviPay leads in global enterprise payment networks. HighRadius wins on full-suite AR automation for Fortune 500 finance teams. Each platform solves a different slice of the B2B payment solutions comparison. This guide breaks down exactly where each one excels in this ResolvePay vs TreviPay vs HighRadius evaluation and which business profile fits best.

Key Takeaways

• Non-Recourse Financing: ResolvePay is the only platform in this comparison built around non-recourse net terms financing, with advance rates that can reach up to 100% on qualifying invoices and risk transfer built into the model
• Speed of Setup: ResolvePay goes live in days with native ERP integrations, compared to weeks or months for enterprise platforms
• Global Coverage: TreviPay operates across 40+ countries with 30+ currencies and launched a Visa "Pay by Invoice" partnership in January 2026
• Enterprise Scale: TreviPay processes $6B+ in annual transaction volume with 40+ years of trade credit experience
• AR Automation Depth: HighRadius deploys 180+ AI agents across the full Order-to-Cash lifecycle for comprehensive finance automation
• Pricing Transparency: ResolvePay offers competitive non-recourse pricing with no hidden fees
• AI/ML Capabilities: HighRadius offers predictive analytics, autonomous collections, and intelligent cash application powered by AI
• Mid-Market Fit: ResolvePay is purpose-built for $1M-$100M B2B suppliers who want fast onboarding and predictable costs
• Gartner Recognition: HighRadius holds the Gartner Magic Quadrant Leader position for Invoice-to-Cash Applications
• Credit Decisioning Speed: ResolvePay delivers AI-powered instant buyer approvals in seconds, accelerating the sales cycle
• eCommerce Integration: ResolvePay provides native Shopify, BigCommerce, and Magento connectors with embedded B2B BNPL at checkout
• Security Certifications: TreviPay holds PCI DSS and ISO 27001 certifications on AWS-native infrastructure

Quick Overview

ResolvePay 

ResolvePay is a B2B commerce platform spun out of Affirm and later raised a combined $60 million in asset and equity financing, followed by an additional $25 million strategic equity round led by Insight Partners. Unlike traditional AR software, Resolve combines credit underwriting, net terms financing, and payment processing into a single platform.

The core value proposition: offer your B2B buyers Net 30, 60, or 90-day payment terms while getting paid upfront within 24 hours. Approved advances are structured as non-recourse financing, so Resolve takes on the credit assessment, underwriting, collections process, and a substantial share of payment risk. Over 15,000 businesses use Resolve to automate credit decisions, streamline invoicing, and eliminate DSO as a cash flow bottleneck.

Resolve's platform extends beyond financing to deliver complete AR workflow automation including dunning sequences, payment reminders, cash application, and real-time aging reports. The white-label branded portal maintains your brand throughout the buyer experience, and native integrations with QuickBooks, NetSuite, Shopify, and BigCommerce mean implementation takes days rather than months. According to G2's B2B payment platform reviews, the combination of financing and AR automation is a key differentiator for mid-market suppliers.

TreviPay

TreviPay is a global B2B payments and invoicing network with 40+ years of trade credit experience. The company processes $6 billion in annual transaction volume across 40+ countries with support for 10+ currencies.

TreviPay combines automated credit decisioning (using 30+ databases), managed collections, and an optional funded model that provides guaranteed settlement. In January 2026, TreviPay launched a "Pay By Invoice" solution through a partnership with Visa, extending its reach through bank distribution channels. The platform holds PCI DSS and ISO 27001 certifications and runs on multi-tenant AWS-native infrastructure. TreviPay's global reach and decades of underwriting data make it a strong choice for multinational enterprises with complex cross-border payment requirements.

HighRadius

HighRadius is an enterprise-grade Order-to-Cash automation platform recognized as a Leader in the Gartner Magic Quadrant for Invoice-to-Cash Applications. The platform deploys 180+ AI agents across credit management, collections, deductions, cash application, B2B payments, and treasury.

HighRadius serves 1,100+ enterprises including 3M, Unilever, Red Bull, and Lufthansa. In February 2026, HighRadius introduced outcome-based pricing with $0 implementation and $0 subscription fees for its oCFO software, shifting to a pay-for-results model. HighRadius is a software platform that provides comprehensive AR automation tools, and companies pair it with their own credit management processes or third-party financing providers as needed.

Feature-by-Feature Comparison

ResolvePay Pricing

Resolve uses relatively straightforward risk-based pricing, with example fees on some 30-day net terms products around 3.5%, but final pricing is custom-scoped based on the engagement:

• Net 30/60/90 terms: Competitive non-recourse rates scaled to term length
• No monthly minimums or platform fees disclosed
• Savings: B2B companies report significantly lower financing costs compared to traditional factoring alternatives

Resolve’s pricing is generally structured to stay predictable for merchants, but rates and advance terms can vary by risk profile, product, and deal structure. According to Forbes Advisor's guide to B2B financing, transparent pricing is one of the most important factors for mid-market businesses evaluating payment platforms.

TreviPay Pricing

TreviPay uses custom-negotiated enterprise pricing based on:

• Transaction volume
• Geographic scope
• Funded vs. non-funded model selection
• Integration complexity
• Credit risk profile of the buyer portfolio

This model suits large organizations with dedicated procurement teams. TreviPay's 40+ year track record in trade credit means its pricing reflects decades of risk modeling and underwriting expertise, which enterprises with complex global requirements find valuable.

HighRadius Pricing

HighRadius offers two pricing models:

• Outcome-Based Pricing: $0 implementation fee + $0 subscription fee for oCFO software, introduced in February 2026
• Traditional Model: Custom quotes based on modules selected, automation scope, and deployment scale
• Typical Enterprise Engagement: Multi-module deals negotiated with dedicated account teams

The outcome-based model lowers the barrier to entry and ties costs to measurable results, making it accessible for enterprises that want to validate ROI before committing to long-term contracts. HighRadius users frequently cite the platform's depth of automation as justification for the investment.

Pricing Summary

Platform Strengths

Resolve Pay

• Non-recourse financing eliminates credit risk. You get paid upfront; Resolve handles collections and absorbs defaults. This fundamentally changes the cash flow equation for B2B suppliers.
• Fastest implementation in the category. Native integrations with QuickBooks, NetSuite, Shopify, and BigCommerce mean you can go live in days.
• Transparent, predictable pricing. Competitive non-recourse rates with a flat fee per invoice are easy to model into margins with no surprise charges.
• AI-powered instant credit decisions. Buyers apply and get approved in seconds, removing friction from the sales process.
• Purpose-built for B2B net terms. Every feature is designed around the net terms workflow — from credit application to payment to reconciliation.
• Proven fintech pedigree. Founded by former Affirm/PayPal executives with $60M in institutional backing from Insight Partners. Resolve is also recognized as a top B2B payment solution across multiple review platforms.
• Complete AR automation. Dunning sequences, payment reminders, cash application, and real-time aging reports reduce manual AR work by up to 90%.
• White-label experience. Branded buyer portal maintains your company's identity throughout the payment process.

TreviPay

• Unmatched global reach. Operating across 40+ countries with 10+ currency support makes TreviPay the leader for international B2B commerce.
• 40+ years of trade credit expertise. Decades of underwriting data and collections experience translate to sophisticated risk assessment across industries and geographies.
• Visa partnership expands distribution. The January 2026 "Pay By Invoice" integration with Visa opens bank-level distribution channels — a significant expansion of reach.
• Guaranteed settlement option. The funded model provides cash flow certainty for enterprises that need predictable revenue timing across global markets.
• PCI DSS and ISO 27001 certified. Enterprise-grade security certifications meet the most stringent procurement requirements.
• Managed collections services. TreviPay handles the collections process across international markets, reducing the operational burden on sellers.

HighRadius

• Most comprehensive AR automation suite. 180+ AI agents covering credit, collections, deductions, cash application, and treasury make this the deepest platform for finance operations.
• Outcome-based pricing reduces upfront risk. The $0 implementation / $0 subscription model introduced in 2026 lowers the barrier for enterprises to evaluate the platform.
• Proven at scale. Serving 1,100+ enterprises including household names like 3M, Unilever, and Lufthansa demonstrates reliability at massive transaction volumes.
• 80% automation rate for cash application. AI-driven matching of payments to invoices dramatically reduces manual reconciliation effort.
• Predictive analytics and forecasting. AI-powered payment prediction and collections prioritization help finance teams allocate resources more effectively.
• Flexible deployment options. Companies can select individual modules or deploy the full O2C suite depending on their needs.

Who Should Choose ResolvePay

Choose ResolvePay if you:

• Run a B2B business with $1M+ in annual revenue and want to offer net terms without tying up cash
• Need to eliminate DSO as a cash flow constraint — shrinking it from 60 days to 1 day through modern credit risk management
• Want non-recourse protection so you never absorb buyer defaults
• Sell through eCommerce channels (Shopify, BigCommerce, Magento) and need embedded B2B BNPL at checkout
• Need to get up and running in days — your finance team values speed and simplicity over months-long enterprise implementations
• Value transparent, predictable pricing you can model into your margins today — see how Resolve compares to other TreviPay alternatives
• Operate primarily in the U.S. market or have domestic net terms as your primary use case
• Currently use traditional factoring and want better rates, non-recourse terms, and modern AR automation
• Want to increase average order values by offering flexible payment terms to your B2B buyers

Ideal company profile: U.S.-based B2B supplier or distributor, $1M-$100M revenue, selling to other businesses on Net 30/60/90, currently managing credit and collections manually or through traditional factoring arrangements. According to NerdWallet, businesses that switch from traditional factoring to modern net terms platforms typically save 30-50% on financing costs.

See how Resolve works →

Who Should Choose TreviPay

Choose TreviPay if you:

• Operate a global B2B business with significant cross-border transactions across multiple currencies
• Need a payment network that spans 40+ countries with consistent processes and compliance
• Process $100M+ in annual B2B transaction volume and need enterprise-grade infrastructure
• Want the option of guaranteed settlement across international markets
• Require PCI DSS and ISO 27001 compliance as non-negotiable procurement requirements
• Have the internal resources to manage a multi-month enterprise implementation
• Value the credibility of a 45-year track record in trade credit management
• Need managed collections services across multiple geographies and languages

Ideal company profile: Global enterprise or large mid-market company with international B2B sales, $100M+ transaction volume, dedicated procurement and finance teams, operating across multiple geographies. TreviPay's Visa partnership, launched in January 2026, further expands buyer access through bank distribution channels.

Who Should Choose HighRadius

Choose HighRadius if you:

• Need a comprehensive Order-to-Cash automation suite — credit management, collections, deductions, cash application, and treasury in one platform
• Want to manage financing and credit risk using sophisticated in-house tools with AI-powered analytics
• Run a Fortune 500 or large enterprise finance operation with the IT resources for a thorough deployment
• Need AI-driven predictive analytics for payment forecasting and collections prioritization
• Process high volumes of invoices where 80%+ automation in cash application would generate significant FTE savings
• Want the flexibility of outcome-based pricing that ties costs to measurable results
• Need to automate deductions management alongside AR — a capability unique to HighRadius in this comparison

Ideal company profile: Fortune 500 or large enterprise with a dedicated AR team, complex O2C workflows, $500M+ in receivables, strong IT infrastructure, and the appetite for a comprehensive platform transformation. HighRadius users highlight the platform's AI capabilities and depth of automation as primary benefits.

Final Verdict

When comparing ResolvePay vs TreviPay vs HighRadius, the right choice depends on what problem you are actually solving:

If your core problem is cash flow — you need to offer buyers net terms without waiting 30-90 days for payment and without absorbing credit risk — ResolvePay is the clear winner. No other platform in this comparison combines non-recourse financing, instant credit decisions, and competitive non-recourse pricing with the speed of a days-not-months implementation. For mid-market B2B suppliers, Resolve delivers the fastest path from "we offer net terms" to "we get paid upfront."

If your core problem is global scale — you need a B2B payment network that works consistently across 40+ countries with managed credit and collections — TreviPay is the proven enterprise choice. Their 40-year track record and Visa partnership make them uniquely positioned for multinational commerce.

If your core problem is AR operations — you need to automate the entire Order-to-Cash lifecycle with AI-driven credit scoring, autonomous collections, and intelligent cash application — HighRadius provides the deepest suite. The platform's 180+ AI agents and Gartner Magic Quadrant Leader recognition validate its position as the most comprehensive AR automation platform available.

For most B2B suppliers evaluating these three platforms, the decision comes down to this: do you want enterprise AR automation to manage net terms in-house (HighRadius), outsource B2B net terms financing globally (TreviPay), or get the fastest, most cost-effective non-recourse solution purpose-built for mid-market net terms (ResolvePay)?

Get started with Resolve →

Frequently Asked Questions 

What is the main difference between ResolvePay, TreviPay, and HighRadius?

ResolvePay provides non-recourse net terms financing — it pays you upfront and assumes the credit risk when your buyers purchase on Net 30/60/90. TreviPay offers a global B2B payment network with optional guaranteed settlement across 40+ countries. HighRadius is an AR automation platform with 180+ AI agents that helps you manage credit, collections, and cash applications with sophisticated tools. Each platform excels in a different area: Resolve in financing speed, TreviPay in global reach, and HighRadius in AR automation depth.

Does ResolvePay actually pay you before the buyer pays?

Yes. Resolve offers flexible advance rates up to 100% of the invoice value within 24 hours of the buyer's purchase. The advance is non-recourse, meaning if the buyer defaults, Resolve absorbs the loss — you keep the cash. This effectively shrinks your DSO from 30-90 days to a single day. According to Investopedia, reducing DSO is one of the most impactful improvements a B2B company can make to its working capital position.

How does TreviPay's Visa partnership affect B2B payments?

In January 2026, TreviPay launched "Pay By Invoice" through Visa's commercial payment infrastructure. This allows banks in Visa's network to offer TreviPay's B2B invoicing and net terms capabilities to their commercial clients. For buyers, it means access to trade credit through their existing banking relationships. For sellers, it expands the pool of creditworthy B2B buyers through established financial channels.

What types of businesses benefit most from HighRadius?

HighRadius is designed for enterprise-scale deployments. The platform's breadth (180+ AI agents, full O2C suite) and comprehensive capabilities make it best suited for companies with dedicated finance and IT teams, complex AR workflows, and high transaction volumes. Mid-market businesses with simpler net terms needs typically find faster value with purpose-built platforms like ResolvePay, while HighRadius excels when organizations need to automate credit, collections, deductions, and cash application across large buyer portfolios.

What does "non-recourse" mean in B2B net terms?

Non-recourse means the financing provider (in this case, ResolvePay) assumes the credit risk on the buyer's payment. If the buyer fails to pay, Resolve absorbs the loss rather than charging it back to the seller. This is fundamentally different from traditional factoring, where many arrangements include recourse provisions that put the seller back on the hook for unpaid invoices. As Investopedia explains, understanding the difference between recourse and non-recourse financing is critical when evaluating B2B payment options.

How long does implementation take for each platform?

ResolvePay can be set up in days thanks to native integrations with popular ERPs and eCommerce platforms. TreviPay implementations typically take weeks to months depending on geographic scope and integration complexity. HighRadius enterprise deployments generally require months of implementation, configuration, and change management, implementation timeline is a key differentiator in AR platform selection.

Can I use HighRadius and ResolvePay together?

Yes. Because HighRadius is a software platform focused on AR automation and ResolvePay is a financing platform with AR capabilities, some companies use HighRadius for broad O2C automation while using ResolvePay specifically for net terms financing and credit risk transfer. The two platforms address different needs and can be complementary, with HighRadius managing the broader AR workflow and Resolve handling the financing and credit risk component.

Which platform offers the best pricing transparency?

ResolvePay offers competitive non-recourse pricing with transparent flat fees per invoice. TreviPay and HighRadius both use custom pricing models, though HighRadius introduced an outcome-based model in 2026 with $0 upfront costs. For companies that need to evaluate total cost of ownership quickly, Resolve's transparent pricing allows faster decision-making. NerdWallet recommends comparing rates across providers before engaging in custom pricing 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.