When B2B suppliers evaluate payment platforms to offer net terms and manage accounts receivable, TreviPay and Defacto emerge as two distinct options serving fundamentally different markets. TreviPay operates as a global enterprise trade credit platform with over 40 years of experience, while Defacto provides working capital financing for European SMEs through API-first infrastructure. For manufacturers, wholesalers, distributors, and other B2B suppliers seeking net terms financing with non-recourse protection and connected accounts receivable automation, Resolve Pay delivers a solution built specifically for supplier-side credit and cash flow needs.
TreviPay positions itself as an enterprise-grade B2B payments and trade credit platform, drawing on more than 40 years of experience in the B2B credit space. The company operates globally, supporting sellers in multiple countries and buyers internationally. TreviPay's focus is large organizations with complex multi-channel operations requiring comprehensive order-to-cash automation, managed collections services, and enterprise-level credit programs.
The platform provides trade credit infrastructure designed for Fortune 500-type organizations with dedicated procurement teams and global operations requiring multi-currency support and omnichannel payment acceptance across ecommerce, in-store, POS, and field sales channels.
Founded in 2021, Defacto operates as an API-first embedded lending platform. The company provides working capital financing for European SMEs through partnerships with fintechs, accounting platforms, and marketplaces. Rather than providing supplier-side trade credit, Defacto enables platforms to offer financing products to their business customers.
Defacto's model serves platforms wanting to embed lending capabilities into their existing products. The company operates in European markets, focusing on SME working capital needs through invoice financing, revenue-based financing, and similar lending products.
Resolve Pay occupies a different position in the B2B payments landscape. Built around the seller-side credit-to-cash lifecycle, Resolve Pay combines non-recourse invoice financing with comprehensive AR automation designed specifically for B2B suppliers.
The platform addresses the specific needs of ecommerce-enabled B2B merchants, manufacturers, wholesalers, and distributors seeking to offer competitive payment terms while maintaining healthy cash flow. Resolve Pay's approach integrates credit decisioning, invoice financing, payment processing, and accounts receivable management into a unified solution.
TreviPay's service portfolio spans the complete enterprise order-to-cash lifecycle:
This comprehensive approach addresses the needs of large organizations with complex, multi-channel sales operations and international buyer bases.
Defacto's services target a different use case focused on embedded lending:
Defacto's model serves platforms wanting to offer financing to their customers rather than suppliers seeking to offer net terms to buyers.
Resolve Pay's services address the specific needs of B2B suppliers:
The focus on supplier-side operations allows for specialized capabilities in credit decisioning, cash flow optimization, and AR workflow automation.
TreviPay primarily serves:
Defacto primarily serves:
Resolve Pay serves manufacturers, wholesalers, distributors, and other B2B suppliers:
According to the Federal Reserve Banks’ Small Business Credit Survey, managing cash flow remains a major challenge for small businesses, while payment terms and timely customer collections significantly affect the cash available to support ongoing operations.
TreviPay provides enterprise-grade credit infrastructure with:
The platform's enterprise focus delivers comprehensive credit program management for organizations with complex operational requirements.
Defacto operates as a fast-deployment lending infrastructure:
Resolve Pay delivers measurable outcomes for B2B suppliers through:
The platform's customer stories demonstrate practical applications across multiple industries. These real-world implementations show how B2B suppliers use Resolve Pay to offer competitive payment terms while maintaining cash flow and reducing credit risk.
For many growing businesses, managing accounts receivable and accounts payable is an important part of maintaining healthy cash flow, making financing and AR solutions useful tools for supporting ongoing operations and growth.
TreviPay's approach includes:
Defacto's platform-focused deployment features:
Resolve Pay provides:
The platform's integration ecosystem connects with the ecommerce and accounting systems commonly used by B2B suppliers.
The comparison reveals how each platform serves different segments of the B2B payments market. Understanding these differences helps suppliers identify the right solution for their specific needs.
Resolve Pay delivers specific benefits for B2B suppliers:
Non-recourse protection: Resolve Pay assumes the associated credit risk if an approved buyer fails to pay, subject to the applicable agreement and transaction requirements. This protection helps suppliers offer competitive payment terms while managing credit exposure.
Cash flow optimization: Advance payment on approved invoices helps suppliers maintain working capital while buyers pay on extended terms.
AR automation: Automated invoice generation, payment reminders, reconciliation, and collections capabilities reduce manual AR overhead.
AI-powered credit evaluation: Resolve Pay uses AI, behavioral signals, business data, and credit expertise to evaluate buyers and make credit decisions.
Brand continuity: White-labeled buyer portal maintains the seller's brand throughout the payment experience.
Flexible payment terms: Suppliers can offer competitive net payment terms that meet buyer expectations.
For B2B suppliers seeking to offer competitive payment terms without cash flow strain or excessive credit risk, Resolve Pay provides a focused solution built specifically for supplier-side needs.
Selecting a B2B payment platform requires understanding how each solution aligns with your business model, operational scale, and geographic focus.
TreviPay serves the enterprise segment with global trade credit infrastructure designed for large organizations with complex, multi-channel operations spanning multiple countries. The platform delivers comprehensive credit program management for Fortune 500-type companies.
Defacto operates in a different space entirely, providing embedded lending APIs that enable European platforms to offer working capital financing to their SME customers. This platform-focused lending model addresses a distinct use case in the European market.
Resolve Pay focuses specifically on supplier-side net terms financing combined with comprehensive AR automation. Built for manufacturers, wholesalers, distributors, and other B2B suppliers, Resolve Pay delivers non-recourse invoice financing, advance payment capabilities, AI-powered credit decisioning, and integrated accounts receivable management.
For B2B suppliers seeking a solution that combines competitive payment terms, cash flow optimization, credit protection, and AR automation, Resolve Pay offers a platform built specifically for supplier-side credit and cash operations. The solution integrates with popular ecommerce platforms and accounting systems, providing practical implementation paths for businesses ready to offer net terms.
To explore how Resolve Pay can support your B2B payment term strategy, visit Resolve Pay's net terms management page or review the platform's business credit check capabilities.
Non-recourse financing means that once an invoice is approved and advanced, the financing provider assumes the credit risk if the buyer fails to pay, subject to the applicable agreement and transaction requirements. For B2B suppliers offering net terms, this protection eliminates bad debt exposure on approved transactions while still allowing competitive payment terms. Resolve Pay's non-recourse model helps suppliers grow revenue through extended payment terms without taking on the full credit risk themselves.
Net payment terms have become a standard expectation in B2B commerce, with many buyers preferring or requiring payment flexibility. Research from the Federal Reserve indicates that payment terms influence purchasing behavior and supplier selection in business-to-business transactions. Suppliers who can offer competitive net terms often see higher conversion rates, larger order values, and stronger customer retention compared to those requiring immediate payment.
B2B suppliers with significant invoice volume, manual AR processes, or growing customer bases benefit most from AR automation. Manufacturers, wholesalers, and distributors who manage dozens to hundreds of customer accounts find that automated invoice generation, payment reminders, reconciliation, and collections reduce administrative overhead while improving payment cycle times. Resolve Pay's AR automation capabilities are specifically designed for these B2B operational workflows.
AI-powered credit decisioning analyzes multiple data sources to evaluate business creditworthiness and make approval decisions. Resolve Pay uses AI, behavioral signals, business data, and credit expertise to assess buyers. This approach enables faster credit decisions compared to manual credit review processes while evaluating risk factors that traditional credit scoring might miss. The result is more accurate credit decisions delivered in timeframes that support real-time or same-day transaction approval.
The most valuable integrations connect your payment platform with your existing ecommerce and accounting systems. Look for native integrations or robust APIs that connect with your online store (Shopify, BigCommerce, Magento, WooCommerce), your accounting system (QuickBooks Online, Xero, Sage Intacct, NetSuite), and any specialized ERP platforms you use. Resolve Pay's integration ecosystem connects with the platforms commonly used by B2B suppliers, enabling automated data flow between systems and reducing manual entry requirements.
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.