When B2B businesses need to optimize their accounts receivable and payment processes, choosing between financial technology platforms becomes a critical decision. Two prominent options—ResolvePay and VersaPay—represent fundamentally different approaches to B2B payments. VersaPay focuses on accounts receivable automation and collection processes, while ResolvePay combines non-recourse financing with AI-powered AR automation to transform cash flow from a constraint into a growth accelerator. This comparison explores how ResolvePay's integrated financing model serves businesses that need immediate working capital and risk elimination alongside process automation.
VersaPay positions itself as a comprehensive accounts receivable automation platform, offering digital invoicing, payment processing, and cash application for businesses seeking to modernize their AR workflows. Founded in 2006 and now headquartered in Miami, Florida, VersaPay has built its reputation on Versapay says businesses on its network process 110M+ transactions per year, representing $170B+ in annual payment volume. The platform serves 10,000+ customers with features focused on streamlining the invoice-to-cash process.
ResolvePay takes a different approach by combining embedded financing with AR automation. Founded in 2019 by former Affirm executives, ResolvePay addresses cash flow constraints at the point of sale while automating receivables management. The platform serves 15,000+ businesses and has secured $85 million USD in funding from investors including Initialized Capital, Insight Partners, and Affirm co-founder Max Levchin. ResolvePay enables businesses to offer net terms while getting paid immediately, combining capital access with operational efficiency.
The fundamental difference lies in philosophy: ResolvePay transforms the buying experience at the point of sale by providing instant financing, risk elimination, and automated AR management in a single integrated platform.
VersaPay's offerings focus on AR optimization:
This comprehensive approach serves businesses seeking to improve their collection efficiency and AR operations.
ResolvePay's offerings combine financing with automation:
The integration of financing with automation allows ResolvePay to address working capital needs while streamlining operations. According to Federal Reserve research on B2B payments, cash flow timing remains a critical challenge for small and mid-sized businesses, making immediate access to working capital particularly valuable.
For example, ResolvePay reduces effective Days Sales Outstanding (DSO) to 1 day by advancing cash immediately while customers maintain their 30-90 day payment terms.
VersaPay uses a subscription-based model:
ResolvePay offers transparent, usage-based pricing:
This pricing structure makes ResolvePay particularly attractive for businesses that need immediate cash flow without upfront investment. The transparent pricing eliminates complex negotiations typical of enterprise software sales.
VersaPay primarily serves established businesses with complex ERP environments requiring deep integration with systems like JD Edwards, MS Dynamics, or Sage Intacct. These companies typically have structured AR departments and seek to optimize their existing collection processes.
ResolvePay targets growth-focused B2B businesses that need immediate working capital and risk elimination. These organizations typically have $1 million+ USD annual B2B revenue and benefit from ResolvePay's ability to advance up to 90% of invoice value (with funding as fast as ~24 hours for approved invoices) within 24 hours while assuming the credit risk. Industry research shows that access to working capital remains a top concern for growing B2B companies, making ResolvePay's model particularly relevant.
Businesses with cash flow constraints benefit from immediate access to working capital and risk elimination rather than just process improvements. ResolvePay's model addresses both operational efficiency and capital needs simultaneously.
VersaPay integrates with enterprise ERP systems:
This enterprise focus serves large organizations with complex accounting systems.
ResolvePay emphasizes modern business infrastructure:
ResolvePay's e-commerce native approach enables B2B net terms directly at the point of sale, which can significantly increase conversion rates and average order values. This capability is particularly valuable for the growing number of B2B businesses that have moved online or operate hybrid sales models.
For businesses with modern tech stacks, ResolvePay's integration approach provides immediate value by enabling net terms at checkout while automating the entire receivables process.
VersaPay provides AR automation tools:
ResolvePay provides integrated financing with risk protection:
This integrated approach addresses both operational efficiency and financial risk. The non-recourse nature of ResolvePay's financing means that cash advances are yours to keep, providing unprecedented risk protection for businesses offering net terms. Research on B2B credit and collections demonstrates the significant impact that bad debt can have on business operations, making ResolvePay's risk assumption particularly valuable.
ResolvePay helps eliminate the typical bad debt exposure in B2B transactions while providing immediate access to working capital.
VersaPay's deployment reflects its enterprise focus:
ResolvePay emphasizes speed and simplicity:
The speed difference is crucial for businesses facing urgent cash flow needs or seeking to quickly offer net terms to capture market opportunities.
ResolvePay's fast deployment model enables businesses to start offering net terms and getting paid faster immediately, providing rapid time-to-value for growing companies.
Growth-focused B2B businesses face unique challenges that make ResolvePay's integrated approach particularly valuable. These companies benefit from immediate working capital and risk elimination combined with operational automation.
Immediate cash flow transformation: 1-2 day cash advances up to 100% of invoice value eliminate 30-90 day cash flow gaps that can constrain growth. This velocity matters for businesses needing to fulfill large orders, invest in inventory, or seize growth opportunities.
Complete risk elimination: 100% non-recourse financing removes bad debt exposure on approved invoices. This risk protection enables companies to offer net terms confidently without worrying about customer defaults.
Transparent, predictable pricing: 3.15% flat fee with no setup costs, monthly minimums, or hidden charges provides clear ROI calculation and budget predictability.
E-commerce native integration: Native Shopify, BigCommerce, WooCommerce, and Magento integrations enable B2B net terms directly at checkout, improving the buying experience for online B2B businesses.
Combined automation and financing: ResolvePay handles both the capital needs and operational workflows in a single platform, reducing complexity while improving cash flow.
For B2B businesses needing working capital and operational efficiency, ResolvePay represents a modern approach to B2B payments. The combination of non-recourse financing, transparent pricing, e-commerce integration, and immediate implementation creates a compelling value proposition for growth-focused businesses.
ResolvePay provides 1-2 day cash advances up to 100% of invoice value while assuming the credit risk of late payments or defaults on approved invoices. This means businesses can offer net 30/60/90 terms to customers while getting paid immediately with non-recourse protection. The integrated approach combines financing, risk management, and AR automation in a single platform. VersaPay focuses on AR automation and collections workflows. ResolvePay's approach turns net terms into a growth tool by providing immediate capital access with risk elimination.
ResolvePay's 100% non-recourse financing means that cash advances are yours to keep, even if customers default on approved, non-disputed invoices. This eliminates bad debt exposure typical in B2B transactions. ResolvePay's transparent 3.15% fee includes both financing and AR automation with complete risk assumption. Traditional factoring often involves recourse liability, hidden fees, and complex contracts, while ResolvePay provides transparent pricing and comprehensive risk protection in a single integrated platform.
ResolvePay offers native integrations with modern e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, plus accounting systems like QuickBooks and NetSuite. These integrations enable net terms directly at checkout, which can significantly increase conversion rates and average order values while automating the entire invoice-to-cash process. The e-commerce native approach is particularly valuable for B2B businesses that operate online or use hybrid sales models, enabling them to offer competitive payment terms while receiving immediate funding.
Yes, ResolvePay provides comprehensive collections management through its AI-powered AR automation, handling payment reminders, collections, and reconciliation automatically. More importantly, ResolvePay eliminates bad debt exposure entirely through its 100% non-recourse financing model—businesses keep their cash advances even if customers default on approved invoices. This approach reduces AR workload by an estimated 90% while eliminating the financial risk that typically accompanies net terms, making it a complete solution that addresses both operational efficiency and financial protection.
ResolvePay charges a transparent 3.15% flat fee per invoice for its net terms services. This single fee includes credit underwriting, cash advances, AR automation, collections management, and 100% non-recourse financing. There are no setup fees, no monthly minimums, no implementation costs, and no hidden charges. The transparent pricing makes ROI calculation straightforward and eliminates the complex negotiations and surprise costs typical of enterprise software sales. All pricing is in USD.
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.