ResolvePay vs Two vs Apruve: B2B Net Terms Platforms Compared in 2026

Resolve is the strongest choice for US-based mid-market suppliers who need non-recourse net terms with fast credit decisions and up to 100% advance rates. Two wins for European ecommerce merchants who need instant B2B checkout credit across 19 markets. Apruve, now part of TreviPay, is the better fit for enterprise companies operating globally across 32+ countries. All three B2B trade credit platforms solve the same core problem: suppliers lose deals when they cannot offer net terms, but extending credit in-house strains cash flow and creates bad-debt risk. Each B2B BNPL platform takes a different approach to solving it. This ResolvePay vs Two vs Apruve comparison breaks down features, pricing, advance rates, integrations, and ideal use cases across all three B2B net terms platforms so you can pick the one that matches your business. If you sell B2B in the US and want non-recourse financing with the highest advance rates, Resolve is the clear front-runner. If your buyers are primarily in Europe, Two's checkout-native credit infrastructure deserves a serious look. If you need enterprise-scale global coverage, Apruve (via TreviPay) has the broadest reach.

ResolvePay vs Two vs Apruve: Key Takeaways

• Advance Rate: Resolve offers up to 100% of invoice value — the industry-leading advance rate for B2B net terms
• Credit Decision Speed: Two's Delphi AI engine delivers credit decisions in under 2 seconds for instant checkout approval
• Non-Recourse Protection: Resolve provides full non-recourse financing where Resolve absorbs buyer default risk entirely
• European Coverage: Two operates across 19 markets with Santander and Allianz Trade partnerships
• Global Coverage: Apruve/TreviPay covers 32+ countries with multi-currency support for enterprise operations
• Fraud Prevention: Two's Frida AI engine prevented EUR 70M in fraud in 2023, processing 5,000+ transactions per second
• ERP Integrations: Resolve connects natively with NetSuite, QuickBooks, Xero, and Oracle
• Ecommerce Plugins: Two integrates with Shopify, WooCommerce, Magento, Optimizely, and more
• AR Automation Depth: Resolve covers the full lifecycle including invoicing, dunning, collections, and reconciliation
• Mid-Market Fit: Resolve is purpose-built for $1M-$50M annual B2B suppliers
• Enterprise Fit: Apruve/TreviPay is designed for large-scale B2B payment networks
• Setup Speed: Resolve goes live in weeks compared to months for enterprise platforms
• Pricing Transparency: Resolve offers competitive, transparent non-recourse pricing

Quick Overview

Resolve

Resolve launched in 2019 out of Affirm's venture studio. The founding team brought experience from Affirm and PayPal — consumer fintech DNA applied to B2B trade credit. The platform handles the entire net terms lifecycle: credit decisioning, advance payments, invoicing, collections, and AR reconciliation.

Over 15,000 businesses use Resolve. The core value proposition is straightforward: offer your B2B buyers net 30, 45, 60, or 90-day terms, get paid upfront (up to 100% advance), and let Resolve assume the credit risk through non-recourse financing.

The smart credit engine underwrites buyers in seconds using AI, eliminating manual trade reference checks. Integration with major ERPs (NetSuite, QuickBooks, Xero) and ecommerce platforms (Shopify, BigCommerce, WooCommerce) means most suppliers get live within weeks. According to G2 reviews, Resolve holds a 5.0/5 rating with users praising ease of use and customer support quality. For a deeper look at how net terms financing compares to traditional factoring, see why Resolve is better than factoring.

Resolve also offers a white-label buyer portal that maintains the supplier's brand identity, flexible advance rates up to 100%, and automated dunning and collections workflows. The platform won BigCommerce's 2025 Innovative Integration Award, and its real-time AR dashboard provides complete visibility into receivables status across all buyer accounts.

Two

Two is a Norwegian B2B BNPL company founded in 2020. It focuses on embedding trade credit directly into the ecommerce checkout experience. Two's platform enables merchants to offer instant net terms to business buyers without requiring account sign-ups — a guest checkout model that removes friction from B2B purchasing.

Two operates across 19 European markets and highlights a Santander X Allianz Trade partnership, alongside relationships with financial and payments brands including ABN AMRO and Visa. The platform processes 100,000+ monthly orders through 500+ merchants. Two reports 20% higher conversion rates and 60% higher average order values for merchants using its platform, according to figures published on Two’s website.

Two's standout technology is its dual AI engine: Delphi handles credit decisioning in under 2 seconds, while Frida runs real-time fraud detection at 5,000+ transactions per second. The company claims Frida prevented EUR 70M in fraud losses during 2023 alone. Two also supports multi-channel commerce including online checkout, in-store POS, and offline order management through a single platform, and offers installment payment options that provide additional flexibility for buyers.

Apruve (TreviPay)

Apruve was founded in 2013 as a specialized B2B credit management platform. TreviPay acquired it in December 2022, integrating Apruve's marketplace-native payment technology into TreviPay's global B2B payments infrastructure. The combined platform now covers 32+ countries with multi-currency support and a global lender network.

Apruve's core strength is enterprise-scale trade credit automation. The platform offers guaranteed seller settlement and automates credit management, invoicing, and collections for high-volume B2B operations. Per Gartner, enterprise-scale B2B payment networks like TreviPay serve a distinct segment of the market that requires multi-currency treasury management and global compliance frameworks.

B2B merchants using Apruve report 2.2x order frequency and 3.3x line items compared to credit card transactions. The TreviPay acquisition gives Apruve access to a $7 billion annual payment volume network and 90,000 active buyers. The platform is purpose-built for marketplace payment flows and supports complex buyer-seller credit relationships at enterprise scale.

ResolvePay vs Two vs Apruve: Feature-by-Feature Comparison

ResolvePay vs Two vs Apruve: Pricing Comparison

Pricing context: In the ResolvePay vs Two vs Apruve pricing comparison, Resolve's competitive non-recourse rates compare favorably to traditional factoring, which according to Investopedia typically charges 1-5% per month plus origination fees, UCC filing costs, and reserve holdbacks. Traditional factoring also requires personal guarantees and long-term contracts in most cases. Two and Apruve both use custom pricing models that require direct sales conversations.

For a typical monthly invoice volume on net 30 terms, Resolve's competitive non-recourse rates represent a small percentage of invoice value — with the trade-off of zero bad-debt risk, no collections overhead, and immediate cash flow. Traditional factoring on the same volume would typically cost significantly more per month before additional fees.

Platform Strengths: ResolvePay vs Two vs Apruve

Resolve 

Key Strengths:

• Highest advance rates in the comparison (up to 100% of invoice value)
• True non-recourse financing eliminates bad-debt risk entirely
• AI credit engine approves buyers in seconds — no manual trade references
• Deep ERP integrations reduce manual reconciliation by up to 90%
• Founded by Affirm/PayPal alumni with consumer fintech expertise
• 15,000+ businesses on the platform provide robust credit data
• Competitive, transparent non-recourse pricing allows cost forecasting
• Full AR automation covers invoicing, dunning, collections, and reconciliation
• Live in weeks, not months
• White-label buyer portal maintains supplier brand identity
• Won BigCommerce 2025 Innovative Integration Award
• Flexible advance rate tiers accommodate different cash flow preferences

Two

Key Strengths:

• Fastest credit decisions (under 2 seconds via Delphi AI)
• Guest checkout removes friction — buyers do not need to create accounts
• Strong European coverage across 19 markets
• Banking partnerships (Santander, ABN AMRO, Visa) add institutional credibility
• Best-in-class fraud prevention (Frida AI engine, EUR 70M prevented in 2023)
• Multi-channel support: online, in-store POS, and offline orders
• 60% higher AOV and 20% conversion lift reported by merchants
• Installment payment option provides additional flexibility
• Purpose-built for B2B ecommerce checkout optimization
• Supported by major European financial institutions

Apruve (TreviPay)

Key Strengths:

• Broadest global coverage (32+ countries, 19+ currencies)
• Guaranteed settlement based on program terms
• Enterprise-grade automation handles high-volume operations
• TreviPay acquisition brings $6B+ annual payment volume network
• Strong marketplace and multi-sided platform support
• 2.2x order frequency uplift vs credit card payments
• Proven at enterprise scale with large B2B brands
• Multi-currency treasury management for global operations
• 90,000+ active buyers in the TreviPay network
• Purpose-built marketplace payment infrastructure

Who Should Choose Resolve

Resolve is the right fit if:

• You are a US-based B2B supplier doing $1M-$50M in annual sales and need to offer net terms without depleting working capital.
• Cash flow predictability matters. Getting up to 100% of invoice value advanced within 1-2 business days, with non-recourse protection, turns AR from a liability into a growth engine.
• You want fast implementation. Resolve connects to your existing ERP (NetSuite, QuickBooks, Xero) and ecommerce stack (Shopify, BigCommerce) in weeks, not months. Learn more about how to add net terms to your website.
• Manual AR is eating your team's time. Resolve's automated workflows handle credit checks, invoicing, payment reminders, collections, and reconciliation — users report saving 14+ hours per week.
• You need to scale net terms without scaling risk. As you onboard more buyers on net 30-90 terms, Resolve's AI credit engine handles underwriting in seconds and absorbs the default risk.
• You want to grow average order values. Offering net terms at B2B checkout has been shown to increase order sizes.
• Brand experience matters. Resolve's white-label buyer portal maintains your brand identity throughout the payment process, which is valuable for companies where customer experience is a competitive differentiator.

Example scenario: A wholesale building materials distributor doing $15M annually wants to offer net 60 terms to grow average order values. Resolve approves buyers instantly, advances 90% of each invoice within 24 hours, and handles collections. If a buyer defaults, the distributor keeps the advance. DSO drops from 60+ days to 1-2 days.

See how Resolve works →

Who Should Choose Two

Two is the right fit if:

• Your buyers are primarily in Europe. Two covers 19 markets with local banking partnerships (Santander, Allianz Trade, ABN AMRO) that enable region-specific credit decisioning and compliance.
• You run a B2B ecommerce storefront and want to embed net terms directly into checkout. Two's guest checkout model lets business buyers purchase on credit without creating accounts — reducing cart abandonment by removing friction.
• Fraud prevention is a top concern. Two's Frida AI engine processes 5,000+ transactions per second and prevented EUR 70 million in fraud losses in 2023. For merchants where fraud management is a priority, that infrastructure provides significant value.
• You need multi-channel coverage. Two supports online checkout, in-store POS, and offline order management through a single platform.
• Conversion rate optimization drives your strategy. Two reports 20% higher conversion rates and 60% higher average order values for merchants using its platform.
• You want instant buyer approval without account creation. Two's guest checkout model is unique in this comparison and particularly effective for ecommerce environments where buyer friction impacts conversion.

Example scenario: A UK-based industrial equipment reseller sells to contractors across Northern Europe. Two embeds net terms into their WooCommerce checkout, approving buyers in under 2 seconds without account sign-up. Conversion rates climb 20% and average order values increase because buyers can purchase larger quantities on credit.

Who Should Choose Apruve (TreviPay)

Apruve is the right fit if:

• You operate globally across multiple countries and currencies. Apruve, backed by TreviPay's infrastructure, covers 32+ countries and 19+ currencies — the broadest geographic reach in this comparison.
• You run a B2B marketplace or multi-sided platform where complex buyer-seller credit relationships need automated management. Apruve was purpose-built for marketplace payment flows.
• Enterprise scale is essential. If you process hundreds of millions in annual B2B volume and need proven infrastructure that handles high-volume invoice automation, Apruve's TreviPay integration delivers.
• Next-day payment guarantees matter. Apruve guarantees next-day payment on all open invoices through its global lender network, providing consistent cash flow predictability.
• You need multi-currency treasury management integrated with trade credit. Apruve handles FX complexity that US-focused platforms do not address.
• You want access to a large buyer network. The TreviPay network includes 90,000+ active buyers, providing established credit relationships that can accelerate new business onboarding.

Example scenario: A global manufacturing company sells through distributors in 15 countries. Apruve automates credit management for each buyer, processes invoices in local currencies, and guarantees next-day payment. The enterprise ERP integration handles reconciliation across all entities.

ResolvePay vs Two vs Apruve: Final Verdict

In the ResolvePay vs Two vs Apruve decision, the right B2B trade credit platform depends on where you sell, how large your operation is, and what matters most — advance rates, geographic coverage, or checkout conversion.

For US mid-market suppliers: Resolve is the strongest choice. Up to 100% advance rates, non-recourse risk protection, seconds-fast credit decisions, and deep ERP integrations make it the most complete solution for B2B companies doing $1M-$50M annually in the United States. The Affirm/PayPal pedigree, 5.0/5 G2 rating, and 15,000+ business customer base provide confidence that the platform scales.

For European ecommerce merchants: Two earns its spot with the fastest credit decisions (under 2 seconds), guest checkout that eliminates buyer friction, and coverage across 19 European markets. The Santander and Allianz Trade partnerships add institutional credibility. Two is the better pick if your buyers are in Europe and your primary sales channel is online.

For global enterprises: Apruve, now part of TreviPay, offers the broadest geographic reach (32+ countries) and the most mature enterprise infrastructure. If you need multi-currency support, marketplace payment flows, and proven performance at enterprise scale, Apruve is the platform to evaluate.

Most B2B suppliers reading this ResolvePay vs Two vs Apruve comparison are mid-market US companies evaluating B2B net terms solutions. For that profile, Resolve delivers the best combination of advance rates, risk protection, and implementation speed.

Get started with Resolve →

Frequently Asked Questions 

What is the main difference between ResolvePay, Two, and Apruve?

Resolve focuses on non-recourse net terms financing for US mid-market B2B suppliers, advancing up to 100% of invoice value. Two specializes in checkout-embedded B2B BNPL for European ecommerce merchants with instant credit decisions. Apruve, now owned by TreviPay, serves enterprise companies needing global trade credit automation across 32+ countries. The primary differentiator is geographic focus and company size: Resolve for US mid-market, Two for European ecommerce, Apruve for global enterprise. Per Gartner, selecting a B2B trade credit platform starts with aligning geographic coverage and company scale to the platform's core market.

How do advance rates compare across the three platforms?

Resolve offers the highest published advance rates at up to 100% of invoice value, with 90%, 75%, and 50% tiers based on buyer risk profile. Advance payments arrive within 1-2 business days. Two pays merchants upfront but does not publish specific advance rate percentages. Apruve guarantees next-day payment on open invoices through TreviPay's global lender network. For suppliers who prioritize getting the maximum cash upfront, Resolve's 100% advance rate is the benchmark. For more B2B BNPL options, see the best BNPL for B2B.

Is Apruve still operating independently after the TreviPay acquisition?

TreviPay acquired Apruve in December 2022. Apruve’s capabilities now sit within TreviPay’s broader enterprise payments and invoicing offering. The acquisition expanded Apruve's reach to TreviPay's global network of 32+ countries and 90,000+ active buyers. The combined platform benefits from TreviPay's $6B+ annual payment volume and established enterprise relationships.

Which platform has the best fraud prevention?

Two leads in fraud prevention with its dedicated Frida AI engine, which processes 5,000+ transactions per second and prevented EUR 70 million in fraud losses during 2023. Two reports a 97% fraud reduction rate. Resolve uses AI-powered credit checks as part of its underwriting process to minimize default risk. Apruve leverages TreviPay's enterprise risk framework. For merchants where fraud management is a primary concern — particularly in European markets — Two's purpose-built fraud infrastructure provides the most comprehensive protection, as noted by Forbes fintech coverage.

Can I use these platforms with my existing ERP or ecommerce system?

Yes, all three platforms offer integrations. Resolve has the deepest ERP coverage with native connectors for NetSuite, QuickBooks, Xero, and Oracle, plus ecommerce plugins for Shopify, BigCommerce, WooCommerce, and Magento. Two integrates with Shopify, WooCommerce, Magento, Optimizely, and Craft CMS — optimized for ecommerce checkout. Apruve offers enterprise ERP integrations and marketplace-native APIs through TreviPay's infrastructure. Check each platform's integration directory for your specific stack. For a guide to selecting net terms software, see best net terms management software.

What are the typical fees for B2B net terms platforms?

Resolve offers competitive, transparent non-recourse pricing for net 30 terms. Two and Apruve use custom pricing that requires direct sales conversations. For context, according to NerdWallet, traditional invoice factoring typically charges 1-5% per month plus origination fees, UCC filing costs, and reserve holdbacks. B2B net terms platforms generally offer more predictable pricing than traditional factoring, with the added benefit of non-recourse protection and AR automation.

How long does implementation take for each platform?

Resolve typically goes live in weeks for standard integrations with supported ERPs and ecommerce platforms. Two's ecommerce plugin model also allows relatively fast deployment for supported platforms (Shopify, WooCommerce, Magento). Apruve, given its enterprise focus and TreviPay integration, may require longer implementation timelines for complex ERP and marketplace integrations. Implementation speed depends on your existing tech stack and the complexity of your credit workflows, implementation time is consistently cited as a key selection factor for B2B payment platforms.

What is the difference between non-recourse financing and traditional factoring?

Non-recourse financing (offered by Resolve) means the financing provider assumes the credit risk — if a buyer defaults, the seller keeps the advance with no clawback. Traditional factoring is typically recourse-based, meaning the seller may need to repay the advance if the buyer fails to pay. Non-recourse financing also tends to come with transparent per-transaction fees, while traditional factoring often involves origination fees, reserve holdbacks, and long-term contracts. For a detailed comparison, see Resolve vs traditional factoring.

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.