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.
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.
This comprehensive approach serves multinational enterprises with complex global payment requirements across diverse markets and regulatory environments.
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.
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.
The pricing structures reveal each company's target market and service philosophy.
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.
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.
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.
Both companies showcase impressive results that reflect their respective target markets and service models.
ResolvePay's platform enables businesses to achieve measurable growth outcomes while maintaining complete protection from buyer defaults through 100% non-recourse financing.
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.
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.
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.
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.
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.
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.
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.
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.
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.