When mid-market B2B suppliers need to offer net payment terms while protecting working capital, choosing the right payments platform becomes an important operating decision. TreviPay and Balance Payments approach B2B commerce from different directions: TreviPay supports enterprise pay-by-invoice and order-to-cash programs, while Balance Payments focuses on embedded payment infrastructure for marketplaces and digital commerce platforms. Resolve Pay brings together non-recourse invoice advances, AI-driven credit decisioning, payment workflows, and accounts receivable automation in a supplier-focused platform for manufacturers, distributors, wholesalers, and other established B2B sellers.
B2B payments involve more than moving money between two companies. Suppliers that offer payment terms must also decide which buyers qualify, establish appropriate credit lines, issue accurate invoices, monitor due dates, collect payments, reconcile transactions, and manage disputes.
These responsibilities become more difficult as order volume increases or sales expand across ecommerce, direct sales, field representatives, and marketplaces. The Federal Reserve’s business financing analysis also shows that underwriting increasingly incorporates cash flow and other business data rather than relying entirely on conventional lending processes.
Common challenges for B2B sellers include:
Modern platforms address different portions of this workflow. Some focus on global enterprise payment programs, while others provide infrastructure that marketplaces can embed into checkout. Resolve Pay takes a broader supplier-side approach by connecting credit, financing, invoicing, payments, collections, and reconciliation.
TreviPay is an enterprise B2B payments and invoicing provider with more than four decades of operating history. The company powers more than $8 billion in global trade and works with organizations that need structured payment programs across large buyer networks.
Its platform is centered on pay-by-invoice, buyer purchasing accounts, credit management, invoicing, payment acceptance, and order-to-cash operations. TreviPay is generally aligned with enterprises managing complex programs across multiple markets, channels, or business units.
TreviPay’s offering includes:
TreviPay also emphasizes configurable buyer experiences and enterprise-scale payment infrastructure. Its more than 40 years of experience can be relevant to organizations running established international programs that require formal operational and compliance processes.
TreviPay primarily serves large enterprises, global merchants, transportation providers, manufacturers, and retailers that need managed B2B payment programs. Its model is particularly relevant when a company requires:
Implementation scope depends on the organization’s systems, countries, workflows, and customization requirements.
Balance Payments is a modern B2B payment infrastructure provider founded in 2020. Its platform focuses on embedded checkout, digital trade credit, invoicing, payment workflows, and marketplace transactions.
Rather than positioning primarily as a standalone receivables system for traditional suppliers, Balance Payments is oriented toward platforms that want to incorporate financial functionality into their own commerce experience. Its infrastructure has been associated with digital commerce environments such as Alibaba.com and Instacart Business.
Balance Payments focuses on capabilities such as:
The platform’s API-oriented structure gives development teams flexibility when designing a customized buyer journey. A marketplace can use this model to keep payment and credit functionality within its existing website or application.
Balance Payments is generally aligned with:
This positioning makes Balance Payments relevant when payment infrastructure needs to operate as part of a platform’s broader product rather than primarily as a supplier-side receivables system.
Resolve Pay is a B2B payments and net terms platform created from the B2B division of Affirm in 2018. It combines embedded credit expertise, invoice financing, payment acceptance, and accounts receivable automation in one system.
The platform is designed for established merchants, manufacturers, distributors, wholesalers, and ecommerce sellers that want to offer terms without building a large internal credit and collections operation. Resolve Pay supports ecommerce orders, direct invoicing, field sales, marketplaces, and hybrid sales models.
Resolve Pay’s net terms platform allows sellers to offer payment periods such as Net 30, Net 45, Net 60, or Net 90, depending on buyer approval and program structure.
For eligible transactions, sellers can request an advance on approved invoices while their customers retain the assigned payment period. Advance structures vary according to underwriting, buyer risk, and the selected workflow.
These advances are non-recourse under applicable program terms. This means the seller generally keeps the approved advance if an approved buyer later defaults, subject to exclusions and conditions such as fraud, disputes, or contractual breaches.
Resolve Pay uses proprietary models, business data, behavioral signals, and credit expertise to evaluate buyers. Its business credit checks can begin with basic company information, reducing the paperwork commonly associated with manual credit applications.
The credit workflow can help suppliers:
Credit limits and approvals remain subject to verification and Resolve Pay’s underwriting discretion.
Resolve Pay’s agentic collections help automate payment reminders and collection workflows. AI agents can manage follow-up activity, record interactions, respond to payment events, and escalate accounts based on workflow rules.
This approach helps finance teams maintain consistent communication without manually tracking every invoice. The system is designed to reduce repetitive work while keeping collections professional and aligned with the supplier’s customer relationships.
Resolve Pay provides AR automation tools for invoices issued under net terms, cash on delivery, or due-upon-receipt arrangements.
Core capabilities include:
By keeping these functions in one system, suppliers can reduce the operational gaps created when credit, invoicing, and collections are managed through separate applications.
Resolve Pay provides a branded portal through which buyers can review invoices and make payments. Depending on the configured workflow, supported methods include ACH, wire transfer, credit card, and check.
The portal helps suppliers preserve their branding throughout the payment experience rather than directing customers into a separate consumer-facing financing product.
Resolve Pay’s integration platform connects with commonly used accounting, ERP, and ecommerce systems, including:
Its REST APIs also support proprietary order-management systems, ecommerce environments, and customized workflows. The integration documentation explains how teams can connect Resolve Pay with existing finance and commerce systems.
Integration scope and deployment timing depend on the systems involved, data quality, configuration requirements, and whether the business uses a native connector, custom API, or hybrid implementation.
Resolve Pay is primarily designed for established B2B sellers with at least $1 million in annual B2B revenue. Typical users include:
These organizations often need to offer terms to win orders but do not want cash flow, credit risk, and collections work to expand at the same rate as sales.
The Census quarterly financial reports track balance-sheet and operating data across manufacturing and wholesale trade, illustrating the importance of receivables, liquidity, and working capital within these sectors.
Resolve Pay’s value comes from connecting the full credit-to-cash process rather than addressing only checkout or payment processing.
Instead of waiting until the buyer’s due date, suppliers can request advances on eligible approved invoices. This can make working capital available sooner for inventory, payroll, supplier payments, and new orders.
Resolve Pay evaluates buyers and assumes approved credit risk under its non-recourse program terms. This gives suppliers a structured way to extend terms without retaining the same exposure they would carry when financing every customer internally.
Credit review, invoicing, reminders, collections, and reconciliation can be managed through one connected platform. This reduces repetitive activity and gives finance teams a clearer view of buyer limits, invoices, payments, and outstanding balances.
Resolve Pay can support transactions originating through ecommerce checkout, sales representatives, marketplaces, purchase orders, and traditional invoices. This makes it useful for suppliers whose customers purchase through several different channels.
Resolve Pay customer stories demonstrate how these workflows can affect sales and operations.
Archipelago Lighting used Resolve Pay to replace manual credit checks, extend larger customer credit lines, and support significant revenue growth. The company reported that its revenue had tripled after adoption.
Elston Materials used Resolve Pay to improve credit approval speed, increase visibility into receivables, and negotiate better supplier pricing. The company reported that its margins increased from 25% to 30%, while management projected further revenue growth.
Results vary by customer, transaction volume, buyer quality, operating model, and implementation.
TreviPay, Balance Payments, and Resolve Pay support different B2B payment models. TreviPay is oriented toward enterprise pay-by-invoice and global order-to-cash programs. Balance Payments provides embedded infrastructure for marketplaces and digital platforms. Resolve Pay is built around the operational needs of established B2B suppliers.
For manufacturers, distributors, wholesalers, and ecommerce merchants, Resolve Pay connects the functions that most directly affect cash flow:
This supplier-focused model helps businesses offer customers more purchasing flexibility while keeping receivables operations manageable. Companies do not have to treat credit, financing, payments, collections, and reconciliation as separate projects.
For sellers seeking to grow B2B revenue, improve cash-flow timing, and reduce the administrative burden associated with net terms, Resolve Pay provides the most complete combination of financing and AR automation in this comparison.
TreviPay focuses on enterprise pay-by-invoice and order-to-cash programs, including complex global payment operations. Balance Payments provides embedded payment and trade-credit infrastructure for marketplaces and digital commerce platforms. Resolve Pay combines net terms, approved invoice advances, credit decisioning, payment workflows, collections, and reconciliation for established manufacturers, distributors, wholesalers, and B2B merchants.
Resolve Pay evaluates the buyer and determines whether an invoice qualifies for an advance. When an approved invoice receives a non-recourse advance, Resolve Pay assumes the approved buyer credit risk under the program terms. The seller generally keeps the advance if the approved buyer defaults, subject to applicable exclusions involving matters such as disputes, fraud, or contractual noncompliance.
Yes. Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. Businesses can also use Resolve Pay’s APIs for proprietary ERP, order-management, or ecommerce environments. The exact implementation approach depends on the company’s systems and workflow requirements.
Resolve Pay can support Net 30, Net 45, Net 60, and Net 90 arrangements, depending on the product, buyer approval, and seller workflow. Credit limits, advance amounts, and available terms are determined through underwriting and buyer verification.
Resolve Pay centralizes credit assessment, invoicing, payment reminders, collections, payment acceptance, and reconciliation. AI-powered workflows can handle repetitive follow-up and bookkeeping activities, while dashboards give finance teams visibility into invoices, customer credit, payment status, and aging receivables.
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.