TreviPay vs eCapital

When B2B suppliers evaluate payment and financing solutions, the choice between enterprise payment networks, traditional invoice factoring, and integrated net terms platforms determines how effectively they can scale operations while managing cash flow and credit exposure. McKinsey research on working capital explains how accounts receivable and payment terms affect cash conversion, liquidity, and business growth. TreviPay serves Fortune 500 enterprises with global payment infrastructure spanning 30+ countries. eCapital provides traditional invoice factoring with industry-specific programs for freight and staffing. Resolve Pay delivers a unified platform combining non-recourse net terms financing, AI-powered credit decisions, and complete AR automation for mid-market manufacturers and distributors. Understanding these fundamental differences helps B2B sellers select the approach that matches their growth objectives, operational requirements, and risk tolerance.

Key Takeaways

• Resolve Pay offers non-recourse financing on eligible approved invoices, providing protection against covered buyer credit defaults, while eCapital's traditional factoring model varies between recourse and non-recourse structures depending on the product
• TreviPay processes $8 billion+ annually and operates across 30+ countries with multi-currency support for Fortune 500 global enterprises
• Resolve Pay serves 15,000+ businesses with implementation measured in days rather than months, featuring native integrations with Shopify, BigCommerce, Magento, and WooCommerce
• Resolve Pay's AR automation platform reduces manual work by up to 90% through automated invoice generation, payment reminders, reconciliation, and AI-powered collections
• TreviPay uses enterprise program configurations, while eCapital structures factoring arrangements based on the client's financing needs. Resolve Pay combines net terms financing, credit decisioning, and AR automation with competitive pricing
• Resolve Pay won the 2025 BigCommerce Innovative Integration Award, demonstrating recognition for ecommerce excellence in the B2B payments space

Understanding the B2B Payments Landscape: TreviPay, eCapital, and Resolve Pay

The B2B payments market encompasses distinct solution categories, each serving different operational models and business objectives. Enterprise payment networks like TreviPay provide comprehensive order-to-cash management for multinational corporations. Traditional factoring companies like eCapital advance cash against outstanding invoices with varying recourse structures. Integrated platforms like Resolve Pay combine net terms financing, credit decisioning, and AR automation in a unified solution designed for mid-market growth companies.

These three approaches represent fundamentally different philosophies toward B2B commerce enablement:

• Enterprise payment networks focus on managing complex global buyer-seller relationships with multi-currency support and custom program configurations
• Traditional factoring provides immediate cash against invoices but typically involves third-party notification to customers and potential recourse obligations
• Integrated net terms platforms enable sellers to offer competitive payment terms while maintaining brand control and receiving upfront cash with reduced credit exposure

The selection between these models depends on company scale, geographic footprint, customer relationship priorities, and operational complexity tolerance.

TreviPay

TreviPay's Market Position

TreviPay operates as an enterprise B2B payments network with 40+ years of experience in the market. The platform processes over $8 billion annually and maintains relationships with Fortune 500 companies across multiple industries.

The platform's global infrastructure supports operations in 30+ countries with 10+ currencies, making it suitable for multinational enterprises requiring cross-border payment capabilities. TreviPay offers configurable net terms ranging from 15 to 90 days with guaranteed settlement on program-defined transactions.

TreviPay's Core Capabilities

TreviPay provides managed order-to-cash services that include:

• Multi-country payment processing with localized compliance
• Enterprise ERP integrations with SAP and Microsoft Dynamics
• Configurable buyer credit programs
• Managed collections and dispute resolution
• Analytics dashboards for portfolio visibility

The platform delivers 20% average order volume increases and 20% reductions in DSO for enterprise customers.

TreviPay's Commercial Structure

TreviPay uses custom program configurations based on factors such as transaction volume, geography, integrations, and service requirements. TreviPay's implementation timeline varies by complexity. Its published guidance says an out-of-the-box setup can be completed in less than a month, while highly customized integrations may take six months or more.

TreviPay's Enterprise Payment Model

TreviPay's enterprise payment model includes:

• International program capabilities
• Multi-currency payment processing
• Enterprise integrations
• Configurable buyer credit programs
• Managed order-to-cash services

eCapital

eCapital's Market Position

eCapital operates as a specialty finance provider with 20+ years of experience in invoice factoring. The company provides commercial financing across a range of facility sizes, including invoice factoring and specialized working capital solutions.

The platform specializes in industry-specific factoring programs, with particular strength in freight factoring where fuel card integration and load board connections add operational value for trucking companies.

eCapital's Core Capabilities

eCapital provides traditional invoice factoring services including:

• Same-day funding availability for urgent cash needs
• Advance rates vary by financing product, invoice quality, industry, and the approved factoring agreement
• Industry-specific programs for transportation, staffing, and healthcare
• eCapital Connect platform for invoice management
• Established relationships in specialized industries

eCapital provides same-day funding options within its commercial financing and factoring programs.

eCapital's Commercial Structure

eCapital structures factoring arrangements according to factors such as the financing product, customer profile, invoice portfolio, and applicable agreement terms. Some factoring arrangements require customer notification or direct payment to the factoring provider, while confidential arrangements may preserve the seller's existing customer-facing experience.

eCapital's Industry Focus

eCapital provides commercial financing and invoice factoring solutions across industries including transportation, staffing, healthcare, and manufacturing.

eCapital's Factoring Model

eCapital's factoring model includes:

• Rapid funding options
• Commercial financing facilities
• Specialized transportation and staffing programs
• Invoice factoring workflows
• eCapital Connect for financing and account management

Resolve Pay: Integrated Net Terms and AR Automation Platform

Resolve Pay's Market Position

Resolve Pay operates as a B2B payments platform purpose-built for mid-market manufacturers, distributors, and wholesalers. The company serves 15,000+ businesses and was founded as a spinout from Affirm, built by former executives from Affirm, Amazon, and PayPal with deep expertise in consumer BNPL adapted for B2B commerce.

The platform combines net terms financing, AI-powered credit underwriting, AR automation, and agentic collections in a single integrated solution, eliminating the need for multiple point tools.

Resolve Pay's Core Capabilities

Resolve Pay delivers comprehensive B2B payment functionality:

• Net Terms Financing: Sellers can offer flexible net terms while receiving underwriting-dependent advances on eligible approved invoices, with current product materials describing advances up to 90% within 24 hours and some Advance Pay configurations up to 100%
• Non-Recourse Protection: Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms
• AI Credit Engine: Proprietary underwriting evaluates thousands of buyer data points with real-time decisions
• AR Automation: Automated invoice generation, payment reminders, reconciliation, and collections reduce manual work by up to 90%
• Agentic Collections: Multi-channel automated sequences using email, SMS, and voice AI with intelligent escalation
• White-Label Portal: Branded buyer dashboard maintains seller identity throughout the payment journey

Resolve Pay's Integration Ecosystem

Resolve Pay provides native integrations with major ecommerce and accounting platforms:

• Ecommerce: Shopify, BigCommerce, Magento, WooCommerce
• Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• REST API: Flexible webhooks and sandbox environment for custom integrations

The platform won the 2025 BigCommerce Innovative Integration Award, recognizing excellence in B2B ecommerce payments integration.

Resolve Pay Customer Results

Resolve Pay customers report measurable business outcomes:

• SS&SI Dealer Network: Achieved 5x revenue growth
• ConEquip: Delivered 30% year-over-year growth
• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours
• Elston Materials: Increased margins from 25% to 30%
• Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours

Invoice Factoring Explained: How These Platforms Approach Accounts Receivable Financing

Invoice factoring and net terms financing represent fundamentally different approaches to B2B cash flow management. Understanding these distinctions helps sellers select the model aligned with their operational priorities and customer relationship objectives.

Traditional Invoice Factoring Model

Traditional factoring, as offered by eCapital, involves selling outstanding invoices to a third-party factor at a discount. Key characteristics include:

• Advance rates: Typically 80-90% of invoice value upfront
• Factoring costs: Costs depend on the factoring agreement, invoice portfolio, and applicable terms
• Customer notification: Buyers typically learn their invoices have been assigned to a third party
• Recourse structures: Varying levels of seller liability if buyers fail to pay
• Collection responsibility: The factor handles collections

Traditional factoring costs vary according to the agreement, financing structure, customer profile, and other program terms.

Net Terms Financing Model

Net terms platforms like Resolve Pay take a different approach:

• Seller-controlled experience: White-label buyer portals maintain brand identity
• Non-recourse protection: Sellers are generally protected from covered buyer defaults on eligible approved invoices
• Integrated workflow: Credit decisions, financing, and AR automation in one platform
• Customer relationships: No third-party notification that disrupts buyer-seller dynamics
• Competitive pricing: Resolve Pay offers competitive pricing

Enterprise Payment Networks

TreviPay's enterprise model operates differently from both factoring and mid-market net terms:

• Program-based financing: Custom configurations for large buyer networks
• Guaranteed settlement: Payment assurance within program parameters
• Managed services: Comprehensive order-to-cash management
• Global reach: Multi-country, multi-currency support for multinational operations

Beyond Factoring: How Resolve Pay Offers Reduced Credit Risk and Immediate Cash Flow

The non-recourse financing model represents a significant departure from traditional factoring approaches, providing B2B sellers with protection against covered buyer credit defaults while maintaining cash flow predictability.

Non-Recourse Protection Explained

Resolve Pay's non-recourse financing means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This structure:

• Reduces bad debt exposure on eligible approved financed invoices
• Can reduce exposure to covered buyer credit defaults, with reserve treatment depending on the seller's accounting policies and financing agreements
• Enables confident extension of net terms to new buyers
• Removes the collections burden from seller finance teams

In contrast, recourse factoring (common in traditional models) means sellers may remain liable if buyers fail to pay, limiting the actual risk transfer.

AI-Powered Credit Decisions

Resolve Pay's proprietary AI Credit Engine evaluates thousands of buyer data points including:

• Cash flow trends and payment history
• Behavioral signals and business indicators
• Real-time creditworthiness assessments
• Dynamic credit line adjustments based on performance

Credit decisions arrive within 24 hours, with instant approvals available for qualifying purchases. This speed compares favorably to traditional underwriting processes that may take days or weeks.

Working Capital Optimization

According to McKinsey research on working capital, improving working capital management and optimizing cash conversion cycles can free up cash, strengthen financial flexibility, and support business growth. The combination of immediate cash advances and non-recourse protection creates measurable working capital benefits:

• Faster cash conversion: Resolve Pay can provide underwriting-dependent advances on eligible approved invoices, with funding timing and advance amounts determined by the applicable program terms
• Predictable cash flow: Regular advances enable better financial planning
• Growth enablement: Freed working capital supports inventory, hiring, and expansion
• Faster credit decisions: Archipelago Lighting reduced buyer approval time from 10 days to 24 hours, helping accelerate its trade credit workflow.

Integrated Solutions for Accounts Receivable Management

AR automation capabilities vary significantly across these three platforms, with direct implications for operational efficiency and finance team productivity.

Resolve Pay's Complete AR Automation

Resolve Pay delivers end-to-end AR automation that reduces manual work by up to 90%:

• Automated invoice generation: Synced from ERP and accounting systems
• Smart payment reconciliation: ML-powered matching of invoices to payments
• Real-time AR dashboard: DSO tracking, aging analysis, and portfolio health visibility
• Two-way ERP sync: Automatic bookkeeping updates to QuickBooks, Xero, Sage Intacct, and NetSuite
• Agentic collections: Multi-channel sequences with email, SMS, and voice AI outreach

The agentic collections capability uses intelligent escalation based on buyer response patterns, automatically pausing when payments or disputes are received and logging all interactions to invoice records.

TreviPay's Managed Services Approach

TreviPay provides a managed order-to-cash model that combines program administration, collections, dispute handling, and reporting:

• Enterprise-grade managed collections
• Dispute resolution handling
• Analytics and reporting dashboards
• Custom program administration

eCapital's Platform Capabilities

eCapital's platform centers on commercial financing and invoice factoring, with eCapital Connect supporting invoice submission, funding visibility, account management, and related financing workflows:

• Invoice submission and tracking
• Payment status visibility
• Account management functionality

Integration Ecosystem Comparison

The ability to connect with existing business systems determines implementation complexity and ongoing operational efficiency.

Resolve Pay's Integration Portfolio

Resolve Pay provides native connections with major business platforms:

Ecommerce Platforms:

• Shopify
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2
• WooCommerce

Accounting and ERP Systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Developer Tools:

• REST API with webhooks
• Sandbox environment for testing
• Two-way data synchronization

Implementation typically completes within days due to native integration support, enabling rapid time-to-value.

TreviPay's Enterprise Integrations

TreviPay supports enterprise-grade connections:

• SAP integration
• Microsoft Dynamics connectivity
• REST APIs and webhooks
• Custom program configurations

TreviPay's implementation timeline depends on the integration approach, configuration requirements, and level of customization.

eCapital's Platform Access

eCapital Connect provides customers with a proprietary interface for managing invoices, funding activity, account balances, and related financing information:

• eCapital Connect portal for invoice management
• Direct platform access for account visibility
• Proprietary platform access for account and financing management

How the Platforms Differ by Business Model

TreviPay, eCapital, and Resolve Pay represent different approaches to B2B payments and working capital. TreviPay centers on managed enterprise B2B payment programs, eCapital provides commercial financing and factoring solutions, and Resolve Pay combines net terms financing, credit decisioning, AR automation, payments, and collections for B2B sellers.

TreviPay's Enterprise Profile

TreviPay's enterprise payment model includes:

• International program capabilities across 30+ countries
• Multi-currency payment processing with 10+ currencies
• Enterprise ERP integrations with SAP and Microsoft Dynamics
• Configurable buyer credit programs
• Managed order-to-cash services

eCapital's Factoring Profile

eCapital's factoring model includes:

• Same-day funding availability
• Commercial financing facilities ranging from $250,000 to $50 million
• Industry-specific programs for transportation, staffing, healthcare, and manufacturing
• Advance rates of 80-90% on invoices (up to 97-100% for freight)
• eCapital Connect platform for invoice and account management

Resolve Pay's Mid-Market Profile

Resolve Pay serves mid-market B2B suppliers requiring:

• Non-recourse protection on eligible approved invoices
• Fast implementation measured in days
• Complete AR automation beyond payment processing
• Competitive pricing
• Native ecommerce and ERP integrations
• $1M+ annual B2B revenue with growth objectives

The Resolve Pay Difference: Built by B2B Payment Specialists

Resolve Pay's founding team includes executives from Affirm, PayPal, and Amazon who applied consumer BNPL expertise to B2B commerce challenges. This heritage translates into platform capabilities purpose-built for the unique requirements of mid-market B2B sellers.

Platform Advantages for Mid-Market Growth

Unified Solution vs. Point Tools: Resolve Pay combines credit decisioning, net terms financing, AR automation, and collections in a single platform. This integration eliminates the complexity of managing multiple vendors while ensuring data consistency across the entire order-to-cash cycle.

Speed to Value: Implementation completes in days rather than months. Native integrations with popular ecommerce and accounting platforms enable rapid deployment without extensive custom development or lengthy enterprise onboarding processes.

White-Label Experience: The branded buyer portal maintains seller identity throughout the payment journey. Buyers interact with the seller's brand rather than a third-party financial institution, preserving relationship integrity and brand consistency.

Competitive Pricing: Resolve Pay offers competitive pricing.

Industry Recognition

Resolve Pay earned the 2025 BigCommerce Innovative Integration Award, recognizing excellence in B2B ecommerce payments integration. This recognition validates the platform's approach to serving mid-market sellers through native commerce platform connections.

SOC 2 Type II Attestation

Resolve Pay states that it is SOC 2 Type II attested and independently audited, supporting the security requirements involved in B2B payments and financial workflows.

Why Resolve Pay Fits B2B Sellers

TreviPay, eCapital, and Resolve Pay address different parts of the B2B payments and working-capital market. TreviPay operates a managed enterprise B2B payments model, while eCapital provides commercial financing and invoice factoring.

Resolve Pay is designed around the seller-side credit-to-cash workflow for manufacturers, distributors, wholesalers, and other B2B suppliers. It combines net terms financing, AI-powered credit decisioning, accounts receivable automation, payments, and collections within one connected platform.

For sellers that want to extend competitive payment terms while improving cash flow and reducing exposure to covered buyer credit defaults on eligible approved financed invoices, Resolve Pay provides an integrated approach. Its ecommerce, ERP, and accounting integrations also allow businesses to connect net terms with the systems already supporting their sales and finance operations.

For growing B2B suppliers, Resolve Pay brings net terms financing, credit management, AR automation, and collections together in a platform built around sustainable B2B growth.

Frequently Asked Questions

How does Resolve Pay's non-recourse financing work?

Resolve Pay can provide non-recourse protection on eligible approved financed invoices, subject to applicable program terms. This helps sellers reduce exposure to covered buyer credit defaults while offering customers flexible net payment terms. The integrated platform combines credit decisioning, financing, and collections workflows to support the entire credit-to-cash cycle.

How quickly can a business implement Resolve Pay?

Resolve Pay supports low-code and no-code ecommerce integrations, API-based implementations, and connections with common ERP and accounting systems. Implementation timing depends on the systems and workflow involved, with straightforward ecommerce setups potentially taking minutes to hours and broader account setup commonly completed within days.

Can Resolve Pay integrate with existing ERP and accounting systems?

Yes. Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, along with ecommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. REST APIs, webhooks, and other developer tools support custom integration requirements for businesses with specialized systems or workflows.

What types of businesses are a strong fit for Resolve Pay?

Resolve Pay is designed primarily for B2B merchants, manufacturers, distributors, and wholesalers that want to offer net terms while improving cash flow and streamlining accounts receivable. Resolve Pay states that its strongest fit includes B2B merchants with at least $1 million in annual revenue and buyers that request invoice-based payment terms.

How does Resolve Pay help businesses reduce AR workload?

Resolve Pay's AR automation platform reduces manual work through automated invoice generation, smart payment reconciliation using machine learning, real-time AR dashboards, and agentic collections with multi-channel outreach. The system handles email, SMS, and voice AI sequences with intelligent escalation, automatically pausing when payments or disputes are received. Customers report reductions in AR workload by up to 90%.

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.