When mid-market manufacturers and distributors evaluate B2B payment solutions, TreviPay and Billtrust frequently appear on shortlists. These platforms represent different operating models: TreviPay focuses on enterprise-scale global payment networks with trade credit programs, while Billtrust provides a connected accounts receivable platform covering invoicing, payments, cash application, credit, and collections. Resolve Pay follows a distinct approach, positioning its platform around supplier-side credit decisioning, invoice advances, and receivables automation designed specifically for growing B2B suppliers who need net terms financing with rapid implementation.
TreviPay operates as a global B2B payments infrastructure company with over 40 years of industry experience. Originally founded as Apex in 1980, the platform serves buying and selling entities across dealer networks, fleet programs, and enterprise trade credit operations. The platform's primary focus is multi-entity credit management for organizations operating in multiple countries with multi-currency requirements.
TreviPay processes payment volume across a global footprint, supporting organizations that need cross-border trade credit programs and comprehensive buyer servicing. The platform handles credit decisioning using multiple data sources and provides real-time approval workflows for enterprise-scale operations.
Billtrust, founded in 2001 and headquartered in Lawrenceville, New Jersey, operates as a connected accounts receivable platform. The company provides order-to-cash functionality covering invoicing, payment acceptance, cash application, credit, and collections workflows. According to U.S. Census Bureau data, B2B ecommerce continues growing rapidly, driving demand for accounts receivable automation.
Billtrust's Business Payments Network connects entities for electronic invoice delivery and payment processing. The platform emphasizes AR automation through AI-powered cash application and workflow management, helping organizations process high transaction volumes efficiently.
Resolve Pay takes a different approach, focusing specifically on supplier-side net terms financing combined with accounts receivable automation. Spun out from Affirm in 2018 and built by former executives from leading fintech companies, the platform addresses cash flow challenges faced by mid-market B2B suppliers.
Rather than focusing solely on payment processing or workflow automation, Resolve Pay enables sellers to offer Net 30/60/90 terms while eligible sellers may receive up to 90% of an approved invoice within approximately 24 hours. The platform provides non-recourse protection for covered buyer credit default on qualifying transactions, subject to program requirements and standard exclusions (such as fraud, disputes, returns, invalid invoices, or seller breaches).
The Federal Reserve Banks’ Small Business Credit Survey shows that customer payments are the primary source of cash for small businesses and that payment timing and terms can create significant cash-flow challenges.
TreviPay's platform centers on enterprise-scale B2B payments and credit management with the following features:
This comprehensive approach serves multinational corporations managing complex dealer networks across multiple geographies.
Billtrust focuses on connected accounts receivable automation with these capabilities:
The platform emphasizes process efficiency and automation across the order-to-cash cycle.
Resolve Pay combines financing and automation in one platform designed for net terms management:
For mid-market suppliers, this integration addresses both cash flow acceleration and operational efficiency without requiring separate vendor relationships.
TreviPay serves organizations characterized by:
Billtrust fits organizations that prioritize:
Resolve Pay aligns with businesses seeking:
This segmentation reflects each platform's design priorities. TreviPay and Billtrust built platforms for enterprise complexity, while Resolve Pay designed specifically for the mid-market's cash flow and operational efficiency needs.
TreviPay demonstrates enterprise-scale capabilities including:
Implementation timing for TreviPay depends on global scope, multi-entity requirements, and integration complexity.
Billtrust showcases AR automation functionality with:
Implementation timing for Billtrust varies based on module selection, ERP integration requirements, and organizational complexity.
Resolve Pay delivers integrated financing and automation including:
Integration and implementation timing depend on existing systems, workflows, testing, and configuration, with supported integrations typically enabling faster deployment than custom builds.
TreviPay deploys comprehensive infrastructure for complex organizations through:
This approach serves multinational enterprises with complex operational requirements.
Billtrust focuses on process efficiency through:
The platform emphasizes workflow automation and process standardization.
Resolve Pay prioritizes operational speed with:
Integration timing depends on systems, workflows, testing, and configuration requirements, with pre-built connectors typically enabling faster deployment.
TreviPay connects with enterprise systems including:
Billtrust offers comprehensive ERP coverage with:
Resolve Pay focuses on mid-market tech stacks through:
According to Federal Reserve payments research, B2B payment methods continue evolving, making flexible integration capabilities increasingly important for suppliers.
For mid-market suppliers using common ecommerce and accounting platforms, focused integrations can enable faster deployment than enterprise-oriented architecture.
For manufacturers, distributors, and wholesalers seeking to offer competitive net terms without cash flow strain, Resolve Pay provides a distinct value proposition centered on integrated financing and automation.
Resolve Pay's non-recourse model applies to covered buyer credit default on eligible, approved transactions, subject to program requirements and standard exclusions. This protection does not automatically cover fraud, disputes, returns, invalid invoices, or seller breaches, but it does enable suppliers to extend net terms to approved customers with defined risk parameters.
Eligible sellers may receive up to 90% of an approved invoice within approximately 24 hours, converting longer-term receivables into faster cash flow. This advance capability addresses the working capital challenges suppliers face when extending payment terms to business customers.
Rather than combining separate vendors for automation and financing, Resolve Pay bundles credit decisioning, net terms financing, AR automation, and collections in a single platform with unified support and reporting.
Integration timing depends on systems, workflows, testing, and configuration, but supported integrations with common ecommerce and accounting platforms can enable faster deployment compared to custom enterprise implementations.
Resolve Pay's platform design reflects the priorities mid-market B2B suppliers express: extending competitive payment terms, accelerating cash flow, reducing credit exposure on qualifying transactions, and automating operational workflows without enterprise-level complexity.
For mid-market B2B suppliers evaluating payment platforms, Resolve Pay represents an approach specifically designed around supplier-side credit decisioning, invoice advances, and receivables automation in an integrated solution.
Resolve Pay provides an integrated platform combining credit decisioning, invoice advances, and accounts receivable automation designed for mid-market manufacturers, distributors, and wholesalers. The platform enables suppliers to offer Net 30, 60, or 90 day terms to business customers while eligible sellers may receive advances on approved invoices. Resolve Pay generally requires at least USD 1 million in annual B2B revenue. The platform supports industries including industrial equipment, construction materials, electrical supplies, plumbing supplies, and similar B2B distribution sectors where extended payment terms are standard practice.
Resolve Pay offers non-recourse protection for covered buyer credit default on qualifying transactions, subject to program requirements and standard exclusions. This means that on eligible, approved transactions, sellers are protected from certain buyer credit defaults. However, non-recourse protection does not automatically cover fraud, disputes, returns, invalid invoices, or seller breaches of terms. The specific protection parameters and qualifying criteria are defined in program agreements. This structure enables suppliers to extend net terms to approved buyers with defined risk parameters rather than bearing full credit exposure independently.
Eligible sellers may receive up to 90% of an approved invoice value within approximately 24 hours through Resolve Pay's financing program. The specific advance percentage depends on factors including seller qualification, buyer creditworthiness, transaction details, and program terms. Timing may vary based on verification requirements and workflow complexity. The remaining invoice balance is settled after the buyer pays, minus applicable fees. This advance structure addresses the working capital challenges B2B suppliers face when extending longer payment terms to business customers.
Resolve Pay supports Net 30, Net 60, and Net 90 day payment terms for B2B transactions. Suppliers can offer these standard industry terms to approved business buyers through the platform's credit decisioning workflow. Some workflows provide rapid credit decisions, while applications requiring further verification may take longer depending on buyer profiles and available data. The platform manages the credit approval process, invoice advances for eligible sellers, payment collection, and buyer communications throughout the term period. This enables suppliers to compete effectively in markets where extended terms are standard purchasing expectations.
Resolve Pay offers supported integrations with major ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce for online B2B order processing. For accounting and ERP systems, the platform connects with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, though capabilities differ by system and implementation. A REST API with sandbox environment enables custom integrations for specialized systems. Integration and implementation timing depend on existing systems, workflows, testing requirements, and configuration complexity. Supported integrations typically enable faster deployment than fully custom builds, though specific timelines vary by organization.
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.