While Settle excels at helping CPG brands manage supplier payments with its free procurement and AP automation tools, businesses looking to offer net terms to their own customers need a different solution entirely. Resolve Pay's B2B platform provides the risk-free financing and accounts receivable automation that B2B sellers require to grow sales without cash flow constraints.
Resolve Pay stands out as the premier alternative for B2B sellers who want to offer net terms to their customers without assuming financial risk. Developed in PayPal co-founder Max Levchin's venture studio and co-founded by CEO Chris Tsai and Brian Nguyen, Resolve brings consumer fintech innovation to B2B commerce.
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The platform's AI-driven accounts receivable automation reduces manual work by approximately 50%, while its AI-powered invoicing workflow automatically syncs transactions across systems. In a published case study, one customer reported 75% revenue growth in a single month after implementing Resolve Pay. Additional businesses report average increases of 30-60% in purchasing power and up to 50-60% faster payment cycles.
Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform currently serves thousands of businesses across manufacturing, wholesale, and distribution sectors, providing them with the tools to compete effectively in B2B markets where net terms are increasingly expected.
The B2B payments landscape has evolved significantly in recent years, with businesses seeking solutions that address their specific cash flow challenges. According to the Federal Reserve's payment systems research, B2B payment innovation continues to accelerate as companies demand faster, more flexible payment options. While Settle serves CPG brands managing outgoing payments to suppliers, B2B sellers need platforms that help them offer net terms to customers while protecting their cash flow.
Independent industry research from Fortune Business Insights estimates the global real-time payments market at approximately $25–29 billion in 2024, with forecasts of 35% CAGR through 2032. This growth has fueled innovation in net terms financing, creating sophisticated options specifically designed for B2B sellers.
McKinsey research on B2B payments shows that digital payment adoption has accelerated dramatically, with businesses expecting seamless, instant payment experiences similar to consumer transactions. Resolve Pay addresses this market demand by combining instant credit decisions with automated workflows that reduce friction in the payment process.
TreviPay represents the established enterprise alternative with decades of B2B payments experience and operations spanning dozens of countries. Backed by Allianz Trade partnership for risk management, TreviPay serves large corporations requiring multi-currency support and global compliance.
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TreviPay's global reach makes it suitable for multinational corporations with complex international payment needs. The platform's strength lies in serving large enterprises that require extensive customization and multi-currency capabilities across diverse markets.
Billtrust takes a different approach by focusing exclusively on accounts receivable automation without integrated financing. Processing substantial transaction volumes annually, Billtrust serves enterprise customers with comprehensive AR management workflows.
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Billtrust excels at invoice automation for businesses that already have established financing arrangements or don't require embedded credit solutions. However, companies specifically seeking to offer net terms to customers will need to pair Billtrust with separate financing solutions.
Balance has emerged as a modern alternative with a developer-first approach that makes B2B payments as straightforward as consumer payments. Backed by major fintech and SaaS investors, Balance focuses on marketplace and e-commerce businesses.
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Balance's strength lies in its modern technology stack and developer-friendly approach, making it ideal for businesses prioritizing speed to market and user experience. The platform's API-first architecture enables rapid integration for technology-forward companies.
Understanding net terms in the modern B2B landscape requires recognizing how payment expectations have shifted. Traditional net 30, 60, or 90 terms were originally designed to give buyers time to receive, sell, and profit from goods before payment was due. However, this created significant cash flow challenges for sellers who had to wait months for payment while still covering operational expenses.
Modern platforms like Resolve Pay have transformed this dynamic by decoupling the buyer's payment timeline from the seller's cash flow needs. Buyers still receive their preferred net terms, but sellers get paid immediately—creating a win-win scenario that wasn't possible with traditional factoring or lending solutions.
According to industry analysis, businesses that successfully implement net terms see significant benefits: average increases of 30-60% in order value, 50-60% faster payment cycles, and reduced manual AR management work by approximately 50%. These improvements stem from removing payment friction at the point of sale while automating the entire collections process.
The key to selecting the right alternative lies in understanding your business model. Settle is purpose-built for CPG brands and e-commerce companies that need to manage payments to their suppliers. It offers procurement tools, landed cost tracking, and working capital specifically for inventory purchases.
Resolve Pay, conversely, is designed for B2B sellers who want to offer net terms to their business customers. This includes manufacturers, wholesalers, distributors, and B2B marketplaces that need to extend credit to drive sales while protecting their cash flow.
The platforms serve complementary rather than competitive needs. A business could theoretically use both simultaneously—Settle for managing supplier payments and Resolve for collecting from customers—creating a complete end-to-end cash flow solution.
For B2B companies evaluating Settle alternatives, the choice depends entirely on your role in the supply chain and specific business needs:
Choose Resolve Pay when you:
Choose Settle when you:
Cost Comparison for B2B Sellers ($10,000 Transaction):
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For businesses specifically seeking to offer net terms to their customers, Resolve Pay provides a comprehensive solution with risk-free financing, transparent pricing, and complete AR automation. The platform's combination of instant credit decisions, automated workflows, and non-recourse financing creates a powerful growth engine for B2B sellers across manufacturing, wholesale, and distribution sectors.
When implementing a B2B payment solution, businesses should consider several critical success factors:
Integration Capabilities: Resolve Pay's seamless integration options with major accounting platforms like QuickBooks, NetSuite, Xero, and Sage Intacct ensure rapid deployment without disrupting existing workflows. The platform automatically syncs transaction data in real-time, eliminating manual data entry and reconciliation.
Customer Experience: The white-label payment portal maintains your brand identity while providing customers with multiple payment options including ACH, wire transfer, credit card, and check. This flexibility ensures customers can pay using their preferred method while you benefit from consistent cash flow.
Scalability: As your business grows, Resolve Pay scales with you—from initial implementation to enterprise-level volumes. Custom enterprise pricing accommodates high-volume businesses while maintaining the same transparent fee structure and rapid payment processing.
'Settle alternatives' refers to platforms that serve different business needs than Settle. While Settle helps CPG brands manage payments to suppliers, alternatives like Resolve Pay help B2B sellers offer net terms to their customers. The key difference is the direction of cash flow: Settle manages outgoing payments (AP), while Resolve manages incoming payments (AR) with built-in financing.
Modern B2B payment platforms like Resolve Pay improve cash flow by providing immediate cash advances (up to 100% of invoice value) while customers maintain their net terms. This eliminates the 30-90 day cash flow gap that traditionally constrains B2B sellers. Efficiency improves through AI-powered automation that reduces manual AR work by approximately 50% and delivers credit decisions rapidly in 30 seconds to 48 hours versus weeks with traditional methods.
Offering net terms increases customer purchasing power by an average of 30-60% and drives sales growth by enabling customers to place larger orders more frequently. With Resolve's 100% non-recourse financing, you eliminate collection risk while getting paid upfront. This combination of increased sales and protected cash flow creates a powerful growth engine for B2B businesses.
Embedded credit technology transforms B2B payments by integrating financing directly into the checkout and invoicing process. Instead of requiring customers to seek external financing or use high-interest credit cards, platforms like Resolve provide instant credit decisions and seamless payment experiences. This reduces payment friction, increases conversion rates, and allows B2B sellers to compete effectively in markets where net terms are expected.
Resolve Pay offers seamless integration with leading accounting platforms including QuickBooks, NetSuite, Xero, and Sage Intacct. The platform automatically syncs transaction data in real-time, eliminating manual data entry and reconciliation. Integration typically takes hours to days rather than the months required by legacy enterprise solutions, allowing businesses to quickly realize the benefits of modern payment technology.
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.