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.
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:
The selection between these models depends on company scale, geographic footprint, customer relationship priorities, and operational complexity tolerance.
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 provides managed order-to-cash services that include:
The platform delivers 20% average order volume increases and 20% reductions in DSO for enterprise customers.
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 includes:
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 provides traditional invoice factoring services including:
eCapital provides same-day funding options within its commercial financing and factoring programs.
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 provides commercial financing and invoice factoring solutions across industries including transportation, staffing, healthcare, and manufacturing.
eCapital's factoring model includes:
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 delivers comprehensive B2B payment functionality:
Resolve Pay provides native integrations with major ecommerce and accounting platforms:
The platform won the 2025 BigCommerce Innovative Integration Award, recognizing excellence in B2B ecommerce payments integration.
Resolve Pay customers report measurable business outcomes:
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 factoring, as offered by eCapital, involves selling outstanding invoices to a third-party factor at a discount. Key characteristics include:
Traditional factoring costs vary according to the agreement, financing structure, customer profile, and other program terms.
Net terms platforms like Resolve Pay take a different approach:
TreviPay's enterprise model operates differently from both factoring and mid-market net terms:
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.
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:
In contrast, recourse factoring (common in traditional models) means sellers may remain liable if buyers fail to pay, limiting the actual risk transfer.
Resolve Pay's proprietary AI Credit Engine evaluates thousands of buyer data points including:
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.
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:
AR automation capabilities vary significantly across these three platforms, with direct implications for operational efficiency and finance team productivity.
Resolve Pay delivers end-to-end AR automation that reduces manual work by up to 90%:
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 provides a managed order-to-cash model that combines program administration, collections, dispute handling, and reporting:
eCapital's platform centers on commercial financing and invoice factoring, with eCapital Connect supporting invoice submission, funding visibility, account management, and related financing workflows:
The ability to connect with existing business systems determines implementation complexity and ongoing operational efficiency.
Resolve Pay provides native connections with major business platforms:
Ecommerce Platforms:
Accounting and ERP Systems:
Developer Tools:
Implementation typically completes within days due to native integration support, enabling rapid time-to-value.
TreviPay supports enterprise-grade connections:
TreviPay's implementation timeline depends on the integration approach, configuration requirements, and level of customization.
eCapital Connect provides customers with a proprietary interface for managing invoices, funding activity, account balances, and related financing information:
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 payment model includes:
eCapital's factoring model includes:
Resolve Pay serves mid-market B2B suppliers requiring:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.