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.
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.
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.
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.
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.
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.
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.
Customer results demonstrate measurable improvements in cash flow and operational efficiency:
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.
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.
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.
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.
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.
Versapay focuses on buyer-seller collaboration through shared accounts receivable portals. The platform processes significant transaction volumes annually through its collaboration-focused approach.
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.
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.
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.
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.
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.
Quadient AR, formerly YayPay, combines collections automation with predictive analytics to help finance teams prioritize accounts and forecast cash flow.
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.
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.
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.
Resolve Pay brings together credit decisioning, non-recourse net terms financing, accounts receivable automation, and AI-powered collections within a connected B2B payments platform.
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.
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.
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.
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.
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.
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.