Oct 21, 2026
Selecting the right AI collections platform directly affects B2B cash flow, customer relationships, and operational efficiency. While Tesorio focuses on cash flow forecasting and collections prioritization and Upflow offers AR automation with multi-channel reminders, Resolve Pay delivers autonomous AI collections combined with net terms financing and non-recourse credit protection. Understanding these fundamental differences between forecasting tools, automation platforms, and integrated financing solutions helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow goals, credit risk tolerance, and growth objectives.
B2B working capital management remains a critical challenge, with Federal Reserve research highlighting how slow-paying customers create cash flow challenges for businesses. The platforms compared here represent different philosophical approaches to this problem: optimizing collections processes versus transforming receivables into immediate working capital.
Key Takeaways
- Resolve Pay combines AI-powered collections, net terms financing, credit decisioning, payments, and non-recourse protection on eligible approved financed invoices in one connected platform
- Eligible approved invoices may qualify for Advance Pay of up to 100%, with advance amounts varying by program and risk profile, while Tesorio and Upflow focus on optimizing collections without offering advance payment
- 15,000+ businesses actively use Resolve Pay, with customers reporting 90% reduction in AR workload and credit approvals in under 24 hours
- Resolve Pay integrates with Shopify, BigCommerce, Magento 2, and WooCommerce, helping B2B sellers incorporate net terms into ecommerce workflows
- Tesorio has a 4.7/5 G2 rating across approximately 242 reviews and offers 13-week cash flow forecasting with a reported 95%+ payment auto-match rate, making it strong for enterprise forecasting needs
- Upflow achieves the highest user rating at 4.8/5 on G2 with 234 reviews, providing AR analytics, collections workflows, and broad team access
Understanding the Landscape of AI Collections Software in 2026
The B2B accounts receivable automation market encompasses distinct categories serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage, cash flow requirements, and risk tolerance.
Collections optimization platforms like Tesorio serve as orchestration systems for finance teams managing high-volume receivables. These platforms provide:
- AI-powered prioritization of accounts most likely to pay
- Cash application automation for payment matching
- Payment predictions and workflow management
- Focus on improving collections efficiency through better data
The value proposition centers on improving collections efficiency through better data and automation. However, these systems optimize the process of waiting for payment rather than eliminating the wait entirely.
AR automation platforms like Upflow represent the evolution toward automated customer communication and workflow management. Key capabilities include:
- Automated dunning sequences and payment reminders
- Invoice tracking and customer portals
- Reporting dashboards and engagement analytics
- Accessible entry points for mid-market companies
These tools still require businesses to wait 30-90 days for customer payments, though they reduce the manual effort involved.
Integrated financing and collections platforms like Resolve Pay represent a fundamentally different approach. Rather than simply optimizing collections, Resolve Pay's Agentic Collections combines autonomous AI collections with the ability to advance eligible invoice cash. Sellers can receive payment within days while buyers enjoy net terms. The system handles credit decisioning, collections automation, and payment reconciliation in a unified workflow.
A key distinction lies in the problem being solved: Tesorio and Upflow help optimize how quickly you collect, while Resolve Pay can address the seller's liquidity gap through eligible invoice advances while also automating collections and payment workflows.
How AI is Reshaping B2B Collections: From Automation to Autonomous Execution
The spectrum of AI implementation in collections technology spans from basic workflow automation to fully autonomous operations, with significant implications for team structure, cash flow, and outcomes.
Workflow automation tools operate within the task management model, automating routine communications while requiring human oversight for decisions. These systems send payment reminders on schedule, update aging reports automatically, and flag accounts needing attention. While these tools improve efficiency, they still require dedicated AR staff and leave cash trapped in receivables for 30-90 days.
AI-assisted collections platforms add intelligence to the automation layer:
- Tesorio's AI prioritizes accounts based on payment likelihood
- Recommends optimal contact timing
- Predicts cash flow outcomes
- Upflow provides AI agents for collections, cash application, AP portals, and receivables insights, depending on the selected plan
These capabilities improve collections rates but maintain the fundamental dynamic of waiting for customer payments.
Autonomous AI collections with integrated financing, as Resolve Pay delivers, changes the equation:
- Tracks buyer creditworthiness through AI-powered underwriting
- Can advance payment to sellers on eligible approved invoices
- Executes multi-channel collections sequences across email, SMS, and voice AI
- Handles replies and escalations autonomously
- Routes payments and manages reconciliation automatically
- Provides protection against covered buyer credit defaults on eligible approved invoices
The autonomy advantage compounds across multiple dimensions. Eligible approved invoices can receive accelerated funding, customers report 90% reduction in AR workload, and AI evaluates thousands of buyer data points for real-time credit decisions.
Tesorio
Tesorio's Approach to Collections Intelligence
Tesorio positions itself as an AI-powered collections and cash flow platform designed for mid-market to enterprise finance teams. The platform offers collections prioritization, cash application automation, and forecasting capabilities.
The platform works well at predicting payment behavior and prioritizing collections activities. Key Tesorio capabilities include:
- Cash flow forecasting: 13-week predictions based on payment history and behavior signals
- Collections prioritization: AI ranks accounts by payment probability and value
- Cash application: Automated matching with 95%+ accuracy rates
- Supplier portal automation: Ariba and Coupa integration for managing supplier invoices
Tesorio has documented results including 33-day average DSO reduction and 98% customer retention. The platform integrates with NetSuite, Sage Intacct, Workday, and Oracle ERP systems.
Tesorio Implementation
Tesorio states that implementation typically takes several weeks and includes onboarding and integration with supported finance systems. The deployment process involves ERP integration, workflow configuration, and team training.
How Tesorio Differs From Resolve Pay
Tesorio centers its offering on AR operations, including collections, cash application, forecasting, and supplier portal automation. The platform excels at helping finance teams prioritize collection efforts and predict payment timing.
Resolve Pay approaches the credit-to-cash workflow differently by combining credit decisioning, eligible invoice advances, payments, receivables automation, and Agentic Collections for B2B sellers. While Tesorio optimizes the collections process, Resolve Pay can advance funds against eligible approved invoices to address working capital timing.
Upflow
Upflow's Approach to AR Automation
Upflow positions itself as a Financial Relationship Management platform focused on automating accounts receivable workflows for mid-market B2B companies. The platform offers automated dunning sequences, payment reminders, and customer communication tools.
Upflow achieves a 4.8/5 rating on G2 with 234 reviews, indicating strong user satisfaction particularly around ease of use and implementation. Key Upflow capabilities include:
- Multi-channel reminders: Email, SMS, calls, and letters in automated sequences
- Payment portal: Branded customer payment experience
- Reporting dashboards: Real-time visibility into AR performance
- Billing integrations: Native connections with Chargebee, Stripe Billing, and Zuora
The platform supports AR analytics, collaboration, and collections workflows for finance teams.
Upflow Implementation
Upflow supports rapid deployment through native integrations, with implementation requirements depending on the systems and workflows being connected. The platform emphasizes accessibility with analytics capabilities and broad team collaboration features.
How Upflow Differs From Resolve Pay
Upflow focuses on AR workflows, customer communications, payments, and collections automation. The platform provides strong multi-channel reminder capabilities and integrates with subscription billing systems.
Resolve Pay adds a trade-credit layer designed for B2B sellers that want to offer net terms while connecting eligible invoice financing, credit decisioning, payments, and collections. While Upflow automates communication to accelerate collections, Resolve Pay can advance eligible approved invoices to provide sellers with earlier access to working capital.
Resolve Pay
Resolve Pay's Approach to Integrated Financing and Collections
Resolve Pay operates as a B2B payments platform that fundamentally differs from collections-only tools by combining Agentic Collections with net terms financing and non-recourse credit protection. Rather than optimizing the process of waiting for payment, Resolve Pay can address the liquidity gap directly.
The platform enables manufacturers, distributors, and wholesalers to offer Net 30/60/90 terms to business buyers. Eligible approved invoices may qualify for Advance Pay of up to 100%, with advance amounts varying by program and risk profile.
Agentic Collections: Multi-Tier AI Execution
Resolve Pay's Agentic Collections represents a tier-based collection approach combining AI and human agents:
- Multi-channel sequences: Automated outreach across email, SMS, and AI voice calls
- Intelligent escalation: Accounts grouped by factors like balance size with configurable thresholds
- Hybrid execution: AI handles routine communications while human agents manage complex situations
- Automatic pause logic: Sequences halt when payments or disputes are received
- Complete logging: All interactions recorded to invoice records
The collections system integrates with Resolve Pay's financing model, meaning the platform can advance eligible invoice cash while simultaneously handling collections.
Non-Recourse Financing: Protection Against Covered Buyer Defaults
Resolve Pay can provide non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. When Resolve approves a buyer, sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices.
Factoring arrangements can be structured with either recourse or non-recourse terms. Resolve Pay offers non-recourse protection on eligible approved financed invoices, meaning covered buyer credit defaults are handled according to Resolve Pay's applicable program terms rather than automatically becoming a repayment obligation for the seller.
AI Credit Engine: Real-Time Underwriting
Resolve Pay's proprietary AI Credit Engine evaluates buyer creditworthiness using thousands of data points:
- Cash flow trends and payment history
- Behavioral signals and risk indicators
- Credit decisions under 24 hours
- Instant approvals available for qualifying purchases
Key credit capabilities include:
- Quiet credit checks that don't notify buyers or impact credit scores
- Dynamic credit lines that adjust based on payment history
- Real-time monitoring of buyer financial health
Integration Ecosystem
Resolve Pay connects ecommerce, ERP, and accounting workflows:
Ecommerce: Native Shopify, BigCommerce, Magento 2, and WooCommerce integrations
ERP/Accounting: NetSuite, QuickBooks Online, Xero, and Sage Intacct
Custom connectivity: REST APIs support additional ERP, OMS, and ecommerce workflows
Resolve Pay's ecommerce integrations can support net terms within B2B online purchasing workflows.
Resolve Pay Implementation and Support
Resolve Pay says businesses can typically get set up within days, depending on their configuration and integration requirements. The system includes:
- Two-way ERP sync for invoice and payment data
- White-label payment portal maintaining seller branding
- REST API with webhooks for custom integrations
- SOC 2 Type II attested, independently audited security controls
Comparing Core Features: AR Automation Across Platforms
Invoice Management Approaches
All three platforms provide invoice management capabilities, but with different approaches based on their core value propositions.
Resolve Pay supports invoice management, ERP and accounting synchronization, and intelligent payment reconciliation. Its platform connects credit decisioning, receivables workflows, payments, collections, and reconciliation so sellers can manage more of the credit-to-cash process in one system.
Tesorio focuses on invoice tracking and collections workflow rather than invoice generation. The platform excels at prioritizing which invoices need attention and predicting payment timing through its 13-week forecasting model.
Upflow provides invoice tracking with automated payment reminders and customer communication workflows. The platform integrates with billing systems for subscription businesses, including Chargebee, Stripe Billing, and Zuora.
Payment Options and Customer Experience
All three platforms provide branded payment portals for customer self-service:
Resolve Pay includes ACH payments and offers fee pass-through options for credit card payments. The platform supports self-serve payment plans and integrates payment collection with its financing model.
Tesorio provides payment tracking and customer portal capabilities, with payment processing typically handled through ERP integrations rather than native payment acceptance.
Upflow delivers a branded payment experience with multiple payment method support through integrations. The platform emphasizes customer relationship management alongside payment collection.
Collections Automation Comparison
Resolve Pay executes multi-channel Agentic Collections with:
- Email sequences with intelligent timing
- SMS reminders
- AI voice outbound calls
- Human agent escalation
- Automatic pause on payment or dispute
Tesorio provides collections workflow tools including:
- AI-prioritized account lists
- Email template automation
- Task management for AR teams
- Payment prediction scoring
Upflow delivers automated dunning with:
- Multi-channel reminders across email, SMS, calls, and letters
- Configurable sequence timing
- Customer communication tracking
- Engagement analytics
System Integration Comparison
Integration capabilities vary significantly based on each platform's target market and technical approach.
Resolve Pay integrates with NetSuite, QuickBooks Online, Xero, and Sage Intacct for accounting and ERP systems. Ecommerce integrations include Shopify, BigCommerce, Magento 2, and WooCommerce. REST APIs enable custom integrations.
Tesorio provides deep enterprise ERP integrations including NetSuite, Sage Intacct, Workday, and Oracle. The platform also connects with supplier portals like Ariba and Coupa.
Upflow integrates with NetSuite, QuickBooks, Xero, and Sage Intacct for accounting systems. The platform emphasizes billing system integrations including Chargebee, Stripe Billing, and Zuora for subscription businesses.
Impact on Cash Flow: Different Approaches to Working Capital
The fundamental difference between these platforms lies in how they affect cash flow timing and working capital availability. Research from the FDIC documents how trade credit terms directly impact small business liquidity and growth capacity.
Cash Flow Timing Comparison
Resolve Pay can address working-capital timing through eligible invoice advances. Its current Net Terms materials state that qualifying invoices can receive up to 90% within 24 hours, while other Resolve Pay materials describe Advance Pay of up to 100%. Cash flow becomes more predictable regardless of customer payment behavior, as sellers can access working capital before the buyer payment date.
Tesorio improves collections to reduce DSO through AI-powered prioritization and forecasting. The platform documents 33-day average DSO reduction through better prediction and team focus. However, sellers still wait for customer payments, with cash timing subject to buyer behavior.
Upflow accelerates collections through automated reminder sequences and consistent follow-up. DSO improvements come from dunning effectiveness and reduced manual effort. Cash timing remains dependent on how quickly customers respond to automated outreach.
Working Capital Impact
For manufacturers and distributors processing significant B2B revenue, the working capital impact varies dramatically by approach.
With Resolve Pay, eligible approved invoices can qualify for accelerated Advance Pay, reducing the time sellers wait to access working capital. This releases working capital for growth without waiting through full buyer payment cycles. Credit decisions enable confident order acceptance with reduced credit risk on approved invoices.
With Tesorio or Upflow, standard 30-90 day payment cycles remain in place, with improvements coming from better prediction or faster collection. Working capital remains tied up in receivables until customers pay. Growth capacity depends on collection timing and effectiveness.
Risk Profile Comparison
Credit risk exposure differs significantly between collections-focused platforms and integrated financing models.
Resolve Pay can provide reduced exposure on eligible approved financed invoices through non-recourse protection. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Payment timing risk is reduced through eligible invoice advances.
Tesorio helps sellers manage risk through payment prediction and account prioritization. Sellers retain full exposure to customer default risk and must maintain their own bad debt reserves. Payment timing risk is managed through forecasting rather than eliminated.
Upflow primarily approaches receivables through AR and collections technology. Sellers retain standard credit risk exposure and must handle credit decisions internally. Payment timing risk is managed through collections automation rather than financing.
Improving Cash Conversion Through Different Approaches
Cash conversion speed represents a key metric for AR health and overall business liquidity, particularly for manufacturers facing working capital constraints.
Resolve Pay: Accelerate Cash Flow Through Financing
Resolve Pay can advance funds against eligible approved invoices rather than requiring the seller to wait for the buyer's full payment cycle. The structure works as follows:
- Seller issues an eligible invoice and obtains the applicable approval
- Resolve Pay can provide accelerated access to a portion or all of the eligible approved invoice amount
- Buyer payment terms can remain in place
- Collections and payment workflows continue through the platform
This structure can improve working-capital timing. Eligible approved invoices may qualify for Advance Pay of up to 100%, with the applicable advance percentage determined by the program and risk profile.
Tesorio: Improve Collections Through Prioritization
Tesorio's approach uses AI to prioritize collections efforts and predict payment behavior. The platform documents 33-day average DSO reduction across its customer base through:
- AI identifying accounts most likely to pay with intervention
- Payment predictions helping forecast cash timing
- Automated cash application reducing manual work
- Results dependent on team execution of prioritized tasks
The improvements come from AI-driven collections execution, cash application, and forecasting rather than invoice financing that advances cash before buyer payment.
Upflow: Accelerate Collections Through Automation
Upflow's approach automates customer communication to accelerate payments through consistent follow-up:
- Automated reminders across multiple channels
- Configurable dunning sequences
- Consistent follow-up without manual effort
- Results dependent on customer responsiveness
The platform removes manual work while maintaining the standard collections model where sellers wait for buyer payments.
Real-World Results: Customer Success Across Platforms
Resolve Pay Customer Outcomes
15,000+ businesses actively use Resolve Pay with documented results across manufacturing, distribution, and wholesale sectors:
ConEquip achieved 30% year-over-year growth after implementing Resolve Pay, enabling competitive net terms without cash strain.
Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours and offering 20x higher credit lines than before.
Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours, allowing the team to focus on growth rather than collections.
SS&SI Dealer Network achieved 5x revenue growth by offering competitive net terms backed by Resolve Pay's financing and credit protection.
Elston Materials increased margins from 25% to 30% through improved working capital access and reduced credit risk.
Tesorio Customer Outcomes
Tesorio reports enterprise-level results focused on collections efficiency and forecasting accuracy:
- 33-day average DSO reduction across customer base
- 3× collections productivity increase through AI prioritization
- 98% customer retention rate
- Discovery Education reduced DSO from 128 to 43 days
Upflow Customer Outcomes
Upflow emphasizes user satisfaction and accessibility for mid-market teams:
- 4.8/5 G2 rating with 234 reviews
- Case studies showing DSO improvements through automation
- Significant efficiency benefits for lean finance teams
Why Resolve Pay Fits B2B Sellers
For manufacturers, distributors, wholesalers, and other B2B sellers, Resolve Pay connects net terms, credit decisioning, eligible invoice advances, accounts receivable automation, payments, and collections in one workflow.
This structure is especially relevant for sellers that want to:
- Offer business buyers flexible payment terms while protecting their own cash flow.
- Accelerate access to cash on eligible approved invoices rather than waiting 30-90 days
- Reduce exposure to covered buyer credit defaults through non-recourse structures
- Embed net terms into ecommerce and existing sales workflows
- Connect receivables activity with ERP and accounting systems
- Automate routine collections outreach across multiple channels
Tesorio and Upflow represent AR-focused approaches that optimize collections processes. Resolve Pay is positioned around the broader B2B credit-to-cash workflow. For sellers whose priority is extending trade credit while protecting liquidity and reducing receivables work, Resolve Pay provides the most directly aligned model in this comparison.
The combination of AI-powered credit decisions, eligible invoice financing, automated collections, and non-recourse protection addresses multiple pain points in a single platform. Rather than requiring separate systems for credit evaluation, factoring or lending, payment processing, and collections automation, Resolve Pay integrates these functions into a connected workflow.
Frequently Asked Questions
What is the main difference between Resolve Pay and traditional AR automation platforms like Tesorio and Upflow?
Resolve Pay combines AI-powered collections with net terms financing, advancing eligible approved invoices while handling collections autonomously. Eligible approved invoices may qualify for Advance Pay of up to 100%, with advance amounts varying by program and risk profile. Tesorio and Upflow optimize the collections process but still require sellers to wait for customer payments. Resolve Pay can address the cash flow problem through financing while competitors optimize the wait.
How do these platforms handle credit risk and bad debt differently?
Resolve Pay can provide non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults. Tesorio and Upflow primarily approach receivables through AR and collections technology rather than Resolve Pay's integrated trade-credit model, with sellers retaining standard credit exposure.
Can Resolve Pay integrate with my existing ERP or accounting system?
Yes. Resolve Pay integrates with NetSuite, QuickBooks Online, Xero, and Sage Intacct. It also supports ecommerce integrations with Shopify, BigCommerce, Magento 2, and WooCommerce, along with flexible APIs for custom workflows. Resolve Pay says businesses can typically get set up within days, depending on integration and configuration requirements.
How quickly can a business see impact on cash conversion after implementing these solutions?
Resolve Pay can improve working-capital timing by advancing eligible approved invoices rather than requiring sellers to wait through the full buyer payment cycle. Tesorio documents 33-day average DSO reduction, but this develops over time as teams optimize collections workflows. Upflow improvements vary based on customer responsiveness to automated reminders and dunning effectiveness.
What channels do these platforms support for collections communications?
Resolve Pay's Agentic Collections supports email, SMS, and AI voice calls with human agent escalation for complex situations. Upflow provides multi-channel reminders including email, SMS, calls, and letters in automated sequences. Tesorio focuses primarily on email-based collections workflows with task management for AR teams to execute phone follow-ups and other manual outreach.
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.
