When B2B businesses evaluate payment solutions, they often face a critical decision between platforms that serve fundamentally different purposes. ResolvePay and Veem represent two distinct approaches to B2B financial operations: ResolvePay as a comprehensive B2B net terms and accounts receivable automation platform, and Veem as an international payment processor. According to research, B2B payments represent a $25 trillion market with evolving needs for both domestic credit solutions and cross-border transactions. ResolvePay helps merchants streamline net terms and invoice financing while eliminating credit risk, whereas Veem specializes in cross-border payment processing. This comparison reveals why ResolvePay delivers comprehensive value for businesses focused on domestic B2B sales growth through net terms financing.
ResolvePay positions itself as the complete solution for B2B businesses that want to offer net terms while protecting their cash flow. Founded in 2019 as a spin-off from Affirm, ResolvePay combines embedded credit expertise, invoice financing, and payments automation into a single platform. The company serves over 15,000 businesses and has secured $60M USD in Series A funding from Initialized Capital and Commerce Ventures. ResolvePay's mission centers on helping merchants "grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes."
Veem, founded in 2014 as Align Commerce, operates as a global payments platform focused on international business transactions. With 1.1M+ users worldwide, Veem enables businesses to send and receive payments across 100+ countries with support for 70+ currencies. The platform emphasizes transparent foreign exchange rates and competitive international transfer fees. Veem's core value proposition revolves around simplifying cross-border payments.
The fundamental difference lies in their primary functions: ResolvePay is a credit and financing platform designed to eliminate the cash flow gap created by net terms, while Veem is a payment processor optimized for international money transfers.
This integrated approach enables businesses to offer net 30, 60, or 90-day terms while receiving payment within 1-2 days, completely removing the traditional cash flow gap. According to the U.S. Chamber of Commerce, cash flow management is the top financial challenge for 82% of small businesses, making solutions like ResolvePay's advance funding particularly valuable.
Veem specializes in efficient cross-border payment processing for businesses with international transaction needs. The platform processes payments efficiently for companies requiring multi-currency support and global payment capabilities.
For businesses that need to offer net terms to remain competitive, ResolvePay's comprehensive suite delivers capabilities specifically designed for B2B credit and cash flow management. ResolvePay addresses the fundamental B2B challenge of extending credit while maintaining cash flow through its advance funding model, enabling businesses to receive payment within 1-2 days rather than waiting 30-90 days for customer payment.
The pricing structures highlight each platform's core value delivery.
To understand the value difference, consider a $10,000 USD invoice scenario. With ResolvePay, a business receives $8,685 USD immediately (90% advance less 3.15% fee) while the customer pays $10,000 USD to ResolvePay in 30 days. The merchant bears zero credit risk due to non-recourse protection. With Veem, the business pays $24.99 USD/month (amortized across all transactions) but must wait 30 days for customer payment and manages customer credit relationships directly.
The pricing comparison reveals important distinctions: ResolvePay's fee structure compensates for credit risk assumption, immediate cash advance, and AR automation, while Veem's subscription covers payment processing capabilities. Each platform serves different business needs within the B2B payment ecosystem.
ResolvePay's platform is specifically designed for businesses that view net terms as a competitive necessity and seek to accelerate cash flow while offering extended payment options to customers. 70% of B2B buyers prefer suppliers who offer flexible payment terms, highlighting the competitive importance of net terms capabilities.
The customer alignment difference is significant. ResolvePay customers typically seek solutions for offering competitive net terms while maintaining healthy cash flow. Veem customers seek efficient multi-currency and cross-border payment processing.
For domestic B2B businesses focused on growth through net terms, ResolvePay's specialized platform delivers capabilities specifically designed to address cash flow and credit management challenges.
Both platforms deliver measurable results in their respective focus areas.
The performance data reflects their core functions. ResolvePay transforms the B2B credit-to-cash cycle, enabling businesses to offer net terms while maintaining immediate cash flow. Veem optimizes payment processing efficiency, particularly for international transactions.
For businesses where cash flow timing determines growth capacity, ResolvePay's ability to deliver payment within 1-2 days while customers pay in 30-90 days represents a fundamental operational advantage for net terms financing.
ResolvePay's integrations enable businesses to embed net terms directly into their existing workflows, with the BigCommerce integration allowing customers to apply for and receive instant credit approval at checkout.
The integration approaches reflect each platform's specialization. ResolvePay provides deep e-commerce integration for embedding net terms at checkout, enabling instant credit approval during the purchasing process. Veem focuses on accounting system connectivity for payment reconciliation.
For businesses using modern B2B commerce platforms, ResolvePay's native integrations deliver immediate value by enabling credit at the point of purchase without requiring customers to establish separate financing relationships.
This approach transforms net terms from a risky business practice into a protected growth strategy. Merchants can offer competitive payment terms while transferring credit risk to ResolvePay's specialized platform.
The risk management approaches reflect their service models. ResolvePay specializes in credit risk assessment and non-recourse financing, enabling merchants to offer net terms without bearing default risk. Veem focuses on secure payment processing for international and domestic transactions.
For businesses concerned about bad debt and customer defaults, ResolvePay's non-recourse guarantee provides protection specifically designed for net terms financing scenarios.
The satisfaction data reflects their service models. ResolvePay's specialized B2B focus enables deep expertise in net terms and AR automation challenges. Veem serves a broad international payment processing user base.
For businesses making critical decisions about credit and cash flow management, ResolvePay's customer satisfaction scores reflect its expertise in specialized B2B net terms financing.
B2B businesses that need to offer net terms to remain competitive find that ResolvePay delivers comprehensive capabilities specifically designed for credit and cash flow management. The platforms serve fundamentally different purposes: ResolvePay solves the B2B credit-to-cash challenge, while Veem optimizes payment processing.
For B2B businesses focused on domestic sales growth through competitive net terms offerings, ResolvePay represents a specialized approach to B2B credit and payments. The combination of non-recourse financing, immediate cash flow, and comprehensive automation creates a compelling value proposition for businesses that need to offer extended payment terms while protecting their financial position.
Businesses with both domestic net terms needs and international payment requirements may find value in using both platforms for their respective strengths. However, for the core B2B challenge of offering net terms while protecting cash flow, ResolvePay delivers the specialized capabilities necessary for sustainable growth.
ResolvePay advances up to 90% of approved invoice values within 1-2 days while customers pay in 30-90 days. This eliminates the traditional cash flow gap created by net terms. The platform uses AI-powered credit decisioning to evaluate buyer creditworthiness instantly, provides comprehensive AR automation with AI agents that save 14+ hours weekly, and offers non-recourse protection that eliminates merchant risk on approved invoices. Businesses can offer competitive net terms while maintaining immediate cash flow for operations and growth.
Yes, ResolvePay offers 100% non-recourse financing on approved invoices. This means that once ResolvePay advances funds to your business, you never have to repay those advances even if your customers default on their payments. ResolvePay assumes all credit risk for approved invoices, eliminating bad debt concerns and allowing you to offer net terms without bearing customer default risk. This risk-free approach to net terms financing is a key differentiator in ResolvePay's specialized platform.
ResolvePay supports comprehensive integrations with major e-commerce platforms including BigCommerce, Shopify, WooCommerce, and Magento, enabling native net terms checkout functionality. The platform also integrates with accounting software like QuickBooks, NetSuite, Oracle, and Xero with two-way automated synchronization that maps transactions to original invoices. ResolvePay's BigCommerce integration has been recognized for innovation, enabling businesses to embed "Pay with Net Terms" as a checkout option with instant credit approval, directly increasing conversion rates and average order values.
ResolvePay charges a flat 3.15% fee on 30-day net terms invoices with a 90% advance rate, or 3.5% for 30-day terms with a 100% advance. There are no monthly subscription fees, and credit card processing fees are passed directly to buyers through the online payment portal. This transparent, transaction-based pricing eliminates hidden costs and provides predictable expenses based on actual invoice volume. Custom plans are available based on business needs and implementation scope.
Yes, buyers can use ResolvePay to access 0% interest financing for 30-60 days when purchasing from merchants that offer ResolvePay net terms. This buyer-friendly approach enables businesses to "buy what they need now and pay later" without incurring interest charges or fees during the net terms period. The credit evaluation process requires only the buyer's business name and address, with results typically delivered within 24 business hours, making the process seamless for both merchants and their customers.
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.