Top 10 Balance Payments Alternatives for B2B Net Terms and Trade Credit Solutions in 2025

Looking for alternatives to Balance Payments for your B2B payment needs? We've analyzed the leading solutions offering net terms, trade credit, and invoice financing to help you make the right choice. From comprehensive AR automation to flexible payment terms, these platforms deliver the features modern B2B businesses need to thrive.

Key Takeaways

• Resolve leads the market with complete net terms management, offering up to 100% advance payments and full AR automation
• B2B payments market valued at $87.98 trillion in 2024, projected to reach $213.28 trillion by 2032
• Modern alternatives prioritize AI-powered credit decisions, seamless integrations, and flexible 30-90 day terms
• 83% of B2B buyers now prefer digital commerce and real-time payment solutions over traditional methods
• Selection criteria include integration capabilities, credit approval rates, transparent pricing, and risk management

1. Resolve - Best Overall Alternative to Balance Payments

Resolve stands out as the premier alternative to Balance Payments, delivering a comprehensive end-to-end solution for B2B net terms management. While Balance focuses primarily on payment processing and checkout experiences, Resolve provides complete credit-to-cash cycle management with powerful advantages for manufacturers, distributors, and wholesalers.

Why Resolve Outperforms Balance Payments

Unlike Balance's self-serve checkout focus, Resolve delivers immediate cash flow improvement through advance payments of up to 90% on approved invoices within one day. This non-recourse funding means merchants keep their advances regardless of payment outcomes, eliminating credit risk entirely.

Resolve's B2B payments solution includes AI-powered underwriting that provides instant credit decisions for qualified buyers, with approval limits up to $25,000 processed in real-time. The platform's comprehensive AR automation goes beyond Balance's payment collection, offering automated reminders, payment reconciliation, and centralized customer credit management.

Key Features That Set Resolve Apart

• Advanced Invoice Financing: Choose from 50%, 75%, or 90% advance rates on your invoices, with same-day liquidity that Balance doesn't offer. This flexibility allows businesses to optimize cash flow based on their specific needs.
• White-Label Payment Portal: Maintain your brand experience throughout the payment process with Resolve's customizable payment portal, supporting ACH, wire transfers, credit cards, and checks—matching Balance's payment method variety while adding superior branding control.
• Deep Integration Ecosystem: Resolve's integration capabilities include seamless connections with QuickBooks Online, NetSuite, Oracle, Shopify, BigCommerce, and WooCommerce, providing broader ERP coverage than Balance's platform-focused approach.

Proven Results and Industry Expertise

With over 12,000 businesses already using Resolve, the platform has demonstrated significant impact across industries. Companies report 50% reduction in order processing time and substantial improvements in conversion rates. As a spinoff from Affirm founded by Y Combinator alumni with deep fintech expertise, Resolve brings consumer-grade BNPL innovation to the B2B space.

The platform's focus on manufacturing, distribution, and wholesale sectors provides specialized expertise that Balance's broader approach may lack. This industry specialization translates to better understanding of complex B2B workflows and more tailored solutions.

Pricing Advantage

Resolve offers transparent risk-based pricing with the option to pass fees to buyers through the online portal. Unlike Balance's undisclosed pricing model, Resolve provides clear fee structures for Net 30/60 terms, making it easier for businesses to calculate ROI and plan budgets effectively.

Learn more about how Resolve is better than factoring and discover why leading distributors choose Resolve for their B2B payment needs.

2. Fundbox - AI-Powered Credit Decisions

Fundbox leverages advanced machine learning algorithms and over 100 data sources to provide lightning-fast credit decisions. Their AI-powered platform excels at evaluating SMB creditworthiness, offering business lines of credit up to $150,000.

• Key Features: Real-time credit decisions, proprietary risk models, strong integration with ecommerce and accounting platforms, focus on accelerating the "Net Terms Economy."
• Best For: Small to medium B2B sellers wanting competitive net terms without credit risk.

3. TreviPay - Global Enterprise Solutions

With over 40 years of experience, TreviPay offers a comprehensive global invoicing and payments network. Their partnership with Allianz Trade enhances risk management capabilities, providing guaranteed settlement across multiple currencies.

• Key Features: Extensive global reach, localized payment solutions, full-service AR automation, transaction fees 30% lower than credit cards.
• Best For: Large enterprises with complex international supply chains requiring multi-currency support.

4. Capchase - SaaS and Tech Specialists

Capchase specializes in B2B BNPL for technology companies, offering revenue-based financing aligned with SaaS business models. They've provided over $2.5 billion in financing with strong CRM integrations.

• Key Features: Deep tech stack integration, flexible per-deal payment terms, Stripe partnership for embedded BNPL, coverage across 10+ countries.
• Best For: SaaS companies and tech-enabled hardware businesses seeking to close larger enterprise deals.

5. Kriya - European B2B Markets

Operating for over 12 years, Kriya provides comprehensive BNPL solutions across the UK and European Union. Their multi-channel support spans online, offline, and tele-sales.

• Key Features: White-label solutions, multi-currency European support, flexible 30/45/60-day terms, strong Stripe integration.
• Best For: European B2B businesses requiring localized payment solutions and regulatory compliance.

6. Tranch - High-Value B2B Transactions

Tranch focuses on larger B2B invoices from $10,000 to $500,000. Their 72-hour implementation timeline and real-time payments via FedNow enable quick deployment.

• Key Features: Specialized in high-value transactions, strong in legal and professional services, flexible 3-12 month payment terms.
• Best For: SaaS companies with enterprise contracts and professional services firms.

7. Terms.Tech - Cross-Border European Trade

Backed by credit insurance leader Credendo, Terms.Tech offers extended payment terms up to 120 days for European B2B transactions.

• Key Features: Market-leading 120-day terms, comprehensive risk management, European regulatory expertise.
• Best For: Businesses engaged in cross-border European trade needing extended payment terms.

8. FundThrough - Invoice Factoring Integration

FundThrough combines AI-powered invoice factoring with comprehensive business banking services, offering credit lines up to $250,000.

• Key Features: An invoice factoring/receivables financing platform, AI-driven funding decisions, and strong QuickBooks integration.
• Best For: SMBs seeking combined business banking and invoice financing.

9. Pipe - Recurring Revenue Businesses

Pipe operates a unique marketplace model connecting businesses with investors to convert recurring revenue into upfront capital.

• Key Features: Innovative marketplace model, fast approval process, embedded finance platform, no equity dilution.
• Best For: SaaS companies and subscription businesses needing working capital.

10. Apruve (Part of TreviPay) - Automated Credit Management

Following its TreviPay acquisition, Apruve continues offering automated B2B credit management with a global lender network.

• Key Features: Enterprise-grade automation, global lender network, next-day payment guarantee, major ecommerce integrations.
• Best For: Large enterprises requiring automated credit management at scale.

How to Choose the Right Balance Payments Alternative

Integration Requirements

Assess platform compatibility with your existing tech stack. Resolve's comprehensive integrations with major ERPs and ecommerce platforms ensure minimal workflow disruption.

Credit and Risk Management

Look for robust credit assessment and risk mitigation. The best platforms provide non-recourse advances, protecting you even if customers default.

Cash Flow Impact

Consider fund access speed. While Balance focuses on payment processing, alternatives like Resolve provide same-day advances up to 90% of invoice value, dramatically improving working capital.

Industry Specialization

Choose providers with sector expertise. Manufacturing and distribution businesses particularly benefit from Resolve's specialized B2B payments solutions designed for their unique workflows.

Geographic Coverage

For international operations, ensure multi-currency transaction support and regional compliance. European businesses might prefer Kriya or Terms.Tech, while US-focused companies benefit from Resolve's domestic expertise.

The Future of B2B Payments

The B2B payments landscape is rapidly evolving, with the market expected to reach $213.28 trillion by 2032. Key trends include:

• AI-Powered Underwriting: Machine learning enables instant credit decisions, replacing weeks-long approval processes.
• Embedded Finance: Payment solutions integrate directly into business software, creating seamless experiences.
• Real-Time Payments: In the U.S., Deloitte projects that real-time payment rails could replace $18.9T–$37.0T of ACH/check B2B payments by 2028
• B2B BNPL Growth: Buy now, pay later for business purchases projects 10.2% CAGR through 2030, with early adopters reporting 20-40% conversion improvements.

Frequently Asked Questions

What makes a good alternative to Balance Payments?

The best alternatives offer comprehensive features beyond basic payment processing, including invoice financing, automated AR management, and flexible net terms. Resolve combines all these capabilities with industry-leading advance rates and risk protection.

How do net terms affect B2B sales?

Offering net terms can increase B2B sales by 20-40% according to industry studies. Extended payment terms reduce purchasing friction and allow buyers to manage cash flow effectively, leading to larger and more frequent orders.

What's the difference between Balance and Resolve?

While Balance focuses on self-serve digital checkout with embedded payments, Resolve provides complete net terms management including advance payments, credit underwriting, and AR automation. Resolve offers immediate cash advances up to 90% of invoice value, whereas Balance primarily handles payment processing.

How long does implementation typically take?

Implementation varies by platform complexity. Simple solutions deploy in days, while enterprise implementations may take weeks. Resolve offers streamlined onboarding with dedicated support to minimize deployment time.

Can small businesses afford these solutions?

Yes, many providers offer scalable SMB pricing. Transaction-based models mean you pay for what you use, and ROI from increased sales and improved cash flow often outweighs costs. Resolve's flexible pricing includes options to pass fees to buyers.

What are typical fees for B2B payment solutions?

Fees range from 1-3.5% for net terms transactions. Some providers charge flat monthly fees plus transaction costs, while others use pure transaction-based pricing. Compare total cost including setup, monthly, and per-transaction fees.

How do these platforms handle international transactions?

Global capabilities vary significantly. Platforms like TreviPay and Terms.Tech specialize in cross-border transactions with multi-currency support, while others focus on domestic markets. Consider your international needs when selecting.

What security features should I look for?

Essential features include end-to-end encryption, PCI DSS compliance, bank account validation, multi-factor authentication, and real-time fraud monitoring. Leading platforms invest heavily in security infrastructure.

Making the Switch from Balance Payments

Transitioning to a new B2B payment platform requires careful planning but delivers significant benefits. Evaluate your current Balance pain points—whether limited cash flow options, lack of comprehensive AR management, or insufficient industry specialization.

Contact Resolve's team to discuss how their complete net terms solution enhances B2B payment operations. With proven results across 12,000+ businesses and specialized expertise in manufacturing and distribution, Resolve offers comprehensive features and support to optimize your B2B payments and accelerate growth.

The B2B payments revolution is here. Choosing the right platform transforms business operations, improves cash flow, and drives revenue growth. Whether prioritizing instant funding, global reach, or industry-specific features, these Balance Payments alternatives offer solutions tailored to modern B2B commerce needs.

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.