Selecting the right B2B payment and financing solution can determine whether your wholesale or distribution business scales efficiently or struggles with cash flow constraints. TreviPay operates a global managed B2B payments and trade credit platform used for complex payment programs, while 8fig provides e-commerce working capital for online sellers. Resolve Pay delivers net terms financing with non-recourse protection specifically designed for B2B manufacturers, wholesalers, and distributors. Understanding these fundamental differences helps businesses choose the platform that matches their growth objectives, customer base, and operational requirements.
The B2B payment technology market encompasses distinct categories serving different operational models and business objectives. According to Federal Reserve small business research, access to financing and managing cash flow remain important challenges for U.S. small businesses seeking to support operations and pursue growth.
Enterprise B2B payment platforms like TreviPay serve as comprehensive infrastructure for organizations managing complex trade credit programs across multiple countries and currencies. These platforms handle multi-currency transactions, buyer hierarchies across multiple entities, and managed services for order-to-cash operations. TreviPay's managed B2B payments model supports organizations with varying levels of operational complexity, including mid-market and enterprise deployments.
E-commerce financing platforms like 8fig represent a different category entirely, providing working capital for online sellers through revenue-based financing tied to inventory and supply chain needs. These platforms excel at helping Amazon and Shopify sellers fund inventory purchases but do not address B2B payment terms, buyer credit evaluation, or accounts receivable management.
B2B net terms platforms like Resolve Pay occupy a focused space, enabling manufacturers, wholesalers, and distributors to offer flexible net terms while receiving upfront payment on eligible approved invoices. This model combines credit decisioning, financing, AR automation, and agentic collections in an integrated solution designed for businesses with B2B revenue.
The fundamental distinction lies in use case: TreviPay focuses on managed B2B payment and trade credit programs, 8fig provides working capital for e-commerce sellers, and Resolve Pay brings net terms, credit decisioning, receivables automation, payments, and collections together for B2B sellers.
TreviPay facilitates about $6 billion in transactions annually in 18 currencies for customers in more than 27 countries and supports complex managed B2B payment programs. The platform's heritage reflects its origins as a trade credit and accounts receivable management solution for B2B operations, with capabilities spanning multiple currencies, complex buyer hierarchies, and managed services for order-to-cash workflows.
TreviPay's managed services model delivers several key operational areas:
TreviPay's managed B2B payment model is designed around configurable programs and integrations. The company states that an out-of-the-box setup can be completed in less than a month, while highly customized integrations may take six months or more depending on complexity and requirements. TreviPay uses a customized commercial structure suited to its managed B2B payment programs.
While TreviPay focuses on managed payment programs for complex B2B operations, Resolve Pay provides an integrated platform where sellers control credit decisioning, invoicing, and collections. Resolve Pay can get businesses set up in days through native integrations with major e-commerce and accounting platforms, compared to TreviPay's longer implementation cycles for customized programs.
8fig positions itself as an AI-powered growth platform for e-commerce sellers, providing working capital financing specifically designed for Amazon and Shopify businesses. The platform focuses on supply chain financing rather than B2B payment terms, making it fundamentally different from both TreviPay and Resolve Pay. Founded in 2020, 8fig targets e-commerce sellers across Amazon, Shopify, eBay, BigCommerce, WooCommerce, and Wix who need capital for inventory, marketing, and supply chain operations.
8fig's e-commerce focus delivers specific functionality:
8fig structures funding around each seller's business performance, supply chain requirements, and planned remittance schedule. The online application process can generate a personalized funding offer within about 24-48 hours for eligible businesses. Funding arrangements and remittance schedules are tailored to each seller's business data and growth plan.
8fig's e-commerce focus creates fundamental limitations for B2B sellers:
For businesses seeking to extend net terms to B2B customers, 8fig represents a complementary inventory financing option rather than a net terms solution.
8fig serves e-commerce inventory financing needs, while Resolve Pay addresses B2B net terms and receivables workflows. According to PYMNTS B2B payments research, businesses increasingly need integrated solutions that handle both buyer credit evaluation and payment collection, areas where 8fig's e-commerce model does not operate.
Resolve Pay operates as a B2B payments platform specifically designed for B2B manufacturers, distributors, and wholesalers. The platform enables sellers to offer flexible net terms while receiving upfront payment on eligible approved invoices, with advance structures determined by the applicable program and buyer risk profile.
Resolve Pay was created by founders with experience working closely with Affirm, and its broader credit expertise includes professionals with backgrounds at companies such as Amazon and PayPal. The platform combines credit decisioning, net terms financing, AR automation, and collections management in a single integrated workflow. The company has raised $60M in funding and serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries.
Resolve Pay delivers comprehensive B2B payment functionality:
Non-Recourse Financing: Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This protection against covered buyer credit defaults reduces bad debt exposure on qualified transactions.
AI-Powered Credit Engine: Proprietary AI evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions complete in under 24 hours, with instant approvals available for some purchases.
Advance Pay: Resolve Pay can provide upfront payment on eligible approved invoices while buyers retain their approved payment terms. Advance structures depend on the program and buyer risk profile.
AR Automation Platform: Key features include:
Agentic Collections: Multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response and payment history. The system preserves customer relationships through professional, friendly communication.
White-Labeled Payment Portal: Branded buyer dashboard showing invoices, credit lines, and payment history with flexible payment options including ACH, wire, credit card, and check.
Resolve Pay provides native integrations designed for rapid implementation:
Most teams launch in under one week with two-way sync for invoice and payment data.
Resolve Pay is SOC 2 Type II attested, reflecting independently audited controls relevant to security and data protection. This compliance posture enables deployments across regulated industries and demonstrates commitment to data protection standards.
Resolve Pay offers program-based pricing for B2B net terms, with financing costs and advance rates depending on the selected arrangement and eligible approved invoices.
Resolve Pay is designed for B2B manufacturers, wholesalers, distributors, and other sellers that want to offer flexible payment terms without building separate systems for credit, financing, receivables, payments, and collections.
Resolve Pay supports flexible net terms backed by AI-powered credit decisioning. Sellers can evaluate business buyers quickly while keeping credit workflows connected to invoicing and payment operations. The platform's credit risk management capabilities help businesses grow sales while maintaining financial discipline.
Eligible approved invoices can receive non-recourse financing, helping sellers accelerate access to cash while reducing exposure to covered buyer defaults, subject to program terms. This protection against covered buyer credit defaults represents a fundamental advantage for businesses concerned about customer payment risk.
Resolve Pay combines:
Resolve Pay connects with major ecommerce, ERP, and accounting platforms, allowing B2B sellers to incorporate net terms into existing sales and finance processes. Implementation typically completes in days rather than weeks or months.
While TreviPay and 8fig serve different parts of the broader payments and financing market, Resolve Pay remains focused on helping B2B sellers manage the complete net terms and receivables workflow in one platform. The single-platform approach reduces the need to connect multiple point solutions, helping simplify operations and potentially lower the overall cost of managing B2B receivables.
Resolve Pay specifically serves mid-market B2B product distribution and manufacturing across industries including:
The platform's credit engine and operational workflows are optimized for these industry segments.
Resolve Pay combines net terms financing, AR automation, and non-recourse protection for eligible approved invoices in a B2B seller-focused platform, while TreviPay supports managed B2B payment and trade credit programs across mid-market and enterprise environments. Resolve Pay offers faster implementation measured in days, while TreviPay's managed services model addresses complex multi-country operations.
No, 8fig focuses on e-commerce supply chain financing for online sellers across several platforms, including Amazon, Shopify, eBay, BigCommerce, WooCommerce, and Wix. The platform provides working capital for inventory purchases but does not support B2B net terms, buyer credit decisions, or accounts receivable management. Businesses needing to offer net terms to business customers should consider Resolve Pay's integrated solution instead.
Resolve Pay offers non-recourse financing on eligible approved invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This protection against covered buyer credit defaults helps reduce bad debt exposure on qualified transactions.
Resolve Pay provides native integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. TreviPay focuses on enterprise ERP systems like SAP and Microsoft Dynamics. 8fig offers integrations primarily focused on Amazon and Shopify sales data for revenue-based financing calculations.
Resolve Pay can get businesses set up in days through native integrations. TreviPay states that an out-of-the-box setup can be completed in less than a month, while highly customized integrations may take six months or more. 8fig generally provides funding offers within about 24-48 hours but does not support B2B net terms functionality.
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.