Nov 05, 2026
While Tesorio has built a strong reputation for AR automation and cash flow forecasting, B2B companies increasingly need platforms that combine collections automation with working capital solutions. The accounts receivable technology landscape now includes platforms offering AI-powered collections, non-recourse financing, enterprise-scale automation, and specialized workflows tailored to different business needs.
The B2B payments landscape continues evolving rapidly, with AI use cases for accounts receivable automation transforming how businesses manage collections and cash flow. These eight alternatives to Tesorio address a range of B2B collections challenges, from mid-market net terms financing and AI-powered collections to enterprise order-to-cash automation.
Key Takeaways
- Resolve Pay combines advances on eligible approved invoices with AI-powered collections, helping sellers access funds within 1-2 business days while qualified customers pay on Net 30, 60, or 90 terms
- AI-powered credit decisioning accelerates approval workflows, with platforms like Resolve Pay's Smart Credit Engine supporting instant decisions for qualifying buyers and other assessments generally completed within 24 business hours
- Implementation requirements vary significantly across platforms, with streamlined integrations enabling faster deployment compared to complex enterprise implementations requiring months of configuration
- E-commerce integration capabilities have become essential for B2B growth, with platforms offering native Shopify, BigCommerce, and Magento connections providing advantages for online sellers
- Agentic collections using email, SMS, and AI voice calls support AR efficiency, with customer-specific results demonstrating how automation can reduce manual collections activities
- Platform specialization matters when evaluating AR automation, with different solutions emphasizing enterprise workflows, invoice delivery networks, buyer collaboration portals, or integrated financing and collections management
What To Look For In AI-Powered B2B Collections Platforms
Choosing an AI-powered collections platform involves more than automating payment reminders. B2B businesses need solutions that support the entire accounts receivable lifecycle, from evaluating buyer creditworthiness to collecting payments and reconciling transactions. The right platform should reduce administrative work while improving cash flow visibility and maintaining positive customer relationships.
Several capabilities are particularly important when evaluating modern B2B collections technology.
Credit Decisioning And Risk Management
AI-powered credit assessment helps businesses evaluate buyers using financial data, payment history, and other relevant risk indicators. Automated underwriting can accelerate approval workflows while supporting more consistent credit decisions. Platforms such as Resolve Pay integrate business credit checks with net terms management, helping merchants assess buyer eligibility before extending payment terms.
Collections Automation And Payment Visibility
Effective collections platforms automate reminders, track outstanding invoices, and prioritize follow-up activities. More advanced systems support communication across multiple channels and provide visibility into payment status, disputes, and overdue accounts. These capabilities help finance teams spend less time on repetitive administrative tasks.
Working Capital And System Integration
Collections automation improves operational efficiency, but businesses extending net terms must also consider how outstanding invoices affect working capital. Resolve Pay addresses both needs through non-recourse advances on eligible approved invoices and integrated AR automation.
Connectivity with existing accounting, ERP, and ecommerce systems is equally important. Reliable data synchronization helps maintain accurate receivables records, supports reconciliation, and reduces duplicate work as transaction volumes increase.
1. Resolve Pay: Non-Recourse Financing With AI Collections
Resolve Pay combines non-recourse financing on eligible approved invoices with AI-powered collections automation, credit decisioning, and accounts receivable management in one B2B payments platform. Originating as a B2B-focused spinout from Affirm in 2018, Resolve Pay brings expertise in credit, payments, and financial technology, with team experience spanning companies such as Affirm, PayPal, and Amazon.
Core Platform Capabilities
- Non-recourse net terms financing with protection against covered buyer defaults on eligible approved invoices
- AI Credit Engine supporting instant decisions for qualifying buyers and other credit assessments generally completed within 24 business hours
- Advances of up to 90-100% on approved invoices within 1-2 business days
- Net 30, 60, or 90-day payment terms for qualified buyers
- Multi-channel agentic collections across email, SMS, and AI voice calls
- Native integrations with Shopify, BigCommerce, Magento, and WooCommerce
- Integrations with QuickBooks, NetSuite, Sage Intacct, and Xero, with synchronization capabilities varying by connector and configuration
What Differentiates Resolve Pay
Resolve Pay's proprietary AI evaluates multiple buyer data signals, including credit and payment information, to support underwriting and credit decisions. Resolve Pay helps shorten the cash flow gap associated with net terms by advancing funds on eligible approved invoices while managing collections workflows.
Resolve Pay's agentic collections system supports configurable outreach sequences across email, SMS, and AI voice calls, with escalation and pausing workflows based on payment status, disputes, and account activity. This approach combines automated outreach with human oversight to maintain customer relationships while driving payment.
Proven Business Impact
Customer results demonstrate measurable improvements in cash flow and operational efficiency:
- ConEquip achieved 30% year-over-year growth
- Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours
- Trenchless Supply reported AR workload reduced significantly with credit approvals under 24 hours
The platform serves over 15,000 businesses, maintains SOC 2 Type II attestation, and received the 2025 BigCommerce Innovative Integration Award.
For mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries, Resolve Pay combines accelerated payment on eligible approved invoices with automated collections and protection against covered buyer credit defaults.
2. HighRadius
HighRadius provides an enterprise-focused Order-to-Cash automation suite covering credit management, collections, cash application, and related finance operations. The platform processes significant transaction volumes annually and deploys specialized AI agents across multiple finance functions.
Platform Focus
- Complete O2C workflows including credit management, collections, cash application, and deductions
- Specialized AI agents for autonomous finance operations
- Pre-built connectors for 50+ ERPs including SAP, Oracle, and Microsoft Dynamics
- Deductions management capabilities for CPG and retail suppliers
- Global operations supporting multi-currency, multi-entity requirements
Enterprise Deployment
HighRadius supports complex enterprise order-to-cash workflows across multiple finance functions. Implementation scope depends on existing systems, integration requirements, and organizational processes.
HighRadius provides enterprise-oriented order-to-cash automation, including credit management, collections, cash application, and deductions workflows. Resolve Pay brings together automated receivables management, net terms financing, and payment workflows for B2B sellers.
3. Billtrust
Billtrust provides AP portal integration capabilities that help suppliers deliver invoices through customer procurement systems, including Coupa and SAP Ariba. Founded in 2001, the platform processes B2B payments through an established invoice delivery infrastructure.
Platform Focus
- AP portal integrations supporting automated invoice delivery
- B2B payment network developed over multiple years
- Automated invoice submission to customer procurement systems
- Payment acceptance across ACH, card, and check
- Adoption among suppliers billing enterprise customers
Billtrust focuses on invoice delivery, payment processing, and AR automation for B2B suppliers. Its workflows support companies managing invoice submission across customer procurement and accounts payable systems.
Billtrust supports electronic invoicing, payment acceptance, and AP portal automation. Resolve Pay complements the broader B2B payments landscape with integrated credit decisioning, non-recourse net terms financing, and AI-powered collections.
4. Versapay
Versapay focuses on buyer-seller collaboration through shared accounts receivable portals. The platform processes significant transaction volumes annually through its collaboration-focused approach.
Platform Focus
- Shared buyer-seller portal for invoice visibility and communication
- Real-time dispute resolution within the platform
- Customer self-service reducing inbound AR queries
- AI-powered cash application with automated matching
- Native ERP integrations with NetSuite, Dynamics 365, and Sage
Versapay emphasizes buyer-seller collaboration through shared invoice visibility, payment communication, dispute management, and customer self-service workflows. The platform suits companies prioritizing customer collaboration and self-service in their AR operations.
5. Gaviti
Gaviti positions itself as a focused collections automation platform for mid-market finance teams. The platform emphasizes deployment efficiency and user-friendly workflows for accounts receivable professionals.
Platform Focus
- Collections workflow automation with customizable sequences
- Dunning management and payment reminder automation
- Customer communication tracking and history
- Team collaboration features for AR departments
- Implementation approach designed for mid-market deployment
Gaviti specializes in collections workflow automation, payment reminders, customer communication tracking, and AR team collaboration. The platform works for businesses seeking dedicated collections automation for their finance teams.
6. Upflow
Upflow targets SaaS companies and technology businesses with subscription-focused AR automation. The platform integrates with modern billing systems and emphasizes user experience for finance teams.
Platform Focus
- Purpose-built for SaaS and subscription businesses
- Modern interface designed for finance and operations users
- Integration with billing platforms like Stripe and Chargebee
- Automated payment reminders and dunning sequences
- Real-time AR dashboards and reporting
Upflow focuses on accounts receivable workflows for SaaS and technology businesses, including subscription-related billing integrations, payment reminders, and reporting. The platform addresses the specific needs of technology companies with recurring revenue models.
7. Quadient AR (YayPay)
Quadient AR, formerly YayPay, combines collections automation with predictive analytics to help finance teams prioritize accounts and forecast cash flow.
Platform Focus
- Predictive payment scoring to prioritize collection efforts
- Automated workflows based on customer payment behavior
- Cash flow forecasting using machine learning
- Customer risk segmentation and scoring
- Integration with major ERP and accounting systems
Quadient AR emphasizes predictive analytics, payment behavior insights, collections prioritization, and cash flow forecasting. The platform suits finance teams seeking data-driven insights into payment patterns and account prioritization.
8. Kolleno
Kolleno provides AI-powered accounts receivable automation for finance teams managing collections, payment processing, and cash application. The platform combines automated workflows with predictive analytics to improve visibility into outstanding invoices and customer payment behavior.
Platform Focus
- AI-powered collections workflows with automated payment reminders and follow-ups
- Cash application automation for matching incoming payments with outstanding invoices
- Customer payment portals supporting invoice visibility and payment management
- Predictive cash flow forecasting based on historical customer payment patterns
- Credit risk monitoring and customer payment behavior analysis
- ERP integrations with NetSuite, SAP, and Microsoft Dynamics
Kolleno brings collections management, payment reconciliation, and AR reporting into a centralized platform. Its AI-powered workflows help finance teams prioritize outstanding accounts, coordinate customer communications, and automate repetitive receivables tasks.
While Kolleno focuses on automating accounts receivable operations, Resolve Pay combines AI-powered collections with non-recourse net terms financing on eligible approved invoices. This integrated approach helps B2B sellers accelerate cash flow while managing buyer credit decisions, payment terms, and collections through one platform.
Why Resolve Pay Is Built For B2B Collections And Growth
Resolve Pay brings together credit decisioning, non-recourse net terms financing, accounts receivable automation, and AI-powered collections within a connected B2B payments platform.
Key Resolve Pay Capabilities
- Working capital acceleration: Access advances on eligible approved invoices while buyers retain approved payment terms
- AI-powered credit decisions: Streamline buyer credit assessments and approval workflows through automated underwriting
- Automated collections: Coordinate payment reminders, follow-ups, and escalation through configurable multi-channel workflows
- E-commerce net terms: Embed payment terms into supported platforms including Shopify, BigCommerce, Magento, and WooCommerce
- Accounting integration: Connect supported ERP and accounting systems to improve receivables visibility and reconciliation
Supporting Mid-Market B2B Growth
Resolve Pay focuses on B2B sellers, including manufacturers, distributors, and wholesalers, that need to extend payment terms while maintaining cash flow. Its integrated financing and AR automation capabilities help these businesses manage credit risk, streamline collections, and reduce the administrative demands associated with receivables.
For businesses seeking more than collections automation, Resolve Pay connects credit assessment, payment processing, financing, and accounts receivable management. Eligible approved invoices may qualify for non-recourse advances, allowing merchants to access cash sooner while customers pay according to their approved terms.
By bringing these functions together, Resolve Pay helps B2B merchants support customer purchasing flexibility while maintaining greater control over receivables and working capital. The platform's multi-channel collections capabilities automate outreach while preserving customer relationships, and its credit decisioning technology streamlines approval workflows that traditionally required extended manual review.
Frequently Asked Questions
How Does Resolve Pay Combine Net Terms Financing And AR Automation?
Resolve Pay integrates multiple B2B payment functions into one platform. The system performs credit assessments on buyers, advances funds on eligible approved invoices, manages payment terms, and automates collections workflows. This connected approach helps sellers access working capital while buyers receive approved payment terms, with automated receivables management reducing manual AR activities.
How Quickly Can Businesses Implement Resolve Pay?
Resolve Pay supports streamlined implementation through integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, NetSuite, and other supported systems. Standard configurations can be completed within days, while more complex implementations depend on integration requirements, data synchronization, and workflow customization. Businesses should confirm deployment scope during onboarding.
What Should I Consider When Evaluating B2B Collections Software With AI?
Key evaluation criteria include the platform's approach to credit decisioning, multi-channel collections automation, ERP integration depth, and whether financing is included. Examine whether the platform uses AI for credit underwriting, collections prioritization, or both. Consider whether email-only collections automation meets your needs or if multi-channel approaches using SMS and AI voice calls would better serve your customer base and business requirements.
Can Resolve Pay Integrate With Existing AR And Accounting Systems?
Resolve Pay supports integrations with accounting, ERP, and ecommerce systems including QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, and BigCommerce. Available integrations help connect receivables, invoicing, payment tracking, and reconciliation workflows. Integration depth and synchronization capabilities depend on the specific connector and implementation requirements.
What Happens To Existing Customer Relationships When Adopting Resolve Pay?
Resolve Pay supports the transition of existing business customers through credit assessments, payment workflows, and branded payment experiences. Existing buyers may undergo credit evaluation and verification before receiving approved payment terms. Approval decisions and credit limits depend on underwriting requirements. Resolve Pay's white-label payment portal allows merchants to maintain a consistent branded experience while introducing automated receivables and collections workflows.
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.
