Aug 06, 2026
When B2B suppliers evaluate net terms and payment automation solutions, TreviPay and Fluid represent two distinct approaches to solving the same fundamental challenge: how to offer buyers flexible payment terms without straining cash flow or absorbing credit risk. TreviPay operates as an enterprise B2B payments and accounts receivable platform with global reach, while Fluid provides B2B purchase financing and payment technology for companies in Southeast Asia. However, mid-market manufacturers, distributors, and wholesalers increasingly seek solutions that combine comprehensive capabilities with accessibility. This comparison examines how Resolve Pay's integrated B2B payments platform addresses the needs of established B2B suppliers through non-recourse financing, rapid deployment, and comprehensive AR automation.
Key Takeaways
- TreviPay serves enterprise-scale global operations, while Fluid concentrates on Singapore and Malaysia markets
- Resolve Pay provides non-recourse advances on approved invoices, helping suppliers reduce credit exposure on qualifying transactions
- Resolve Pay offers accessible implementation for mid-market suppliers without enterprise complexity
- Fluid provides regional payment solutions in Southeast Asia, while Resolve Pay delivers broad North American coverage with native eCommerce integrations
- Resolve Pay's automated credit assessment technology combines data analysis with credit expertise for buyer evaluation
- Mid-market B2B suppliers benefit from Resolve Pay's integrated approach combining credit decisioning, invoice advances, AR automation, and collections management
- According to the U.S. Census Bureau, U.S. merchant wholesalers generated more than $11 trillion in annual sales, demonstrating the scale of the market opportunity for payment automation.
Understanding Each Company's Core Positioning
TreviPay positions itself as an enterprise B2B payments leader, operating for decades and serving large-scale global operations. Headquartered in Overland Park, Kansas, TreviPay maintains a network spanning multiple continents. The platform targets Fortune 500 companies and large manufacturers requiring multi-currency support, contract pricing capabilities, and comprehensive order-to-cash automation.
Fluid takes a different approach, specializing in B2B purchase financing for Southeast Asian markets. Founded in Singapore in early 2023, Fluid focuses on enabling supplier funding through regional payment rails. The platform serves B2B marketplaces and procurement platforms, with presence in Singapore and Malaysia.
Resolve Pay became an independent business in 2018 and serves thousands of businesses with a focus on mid-market B2B suppliers generating over $1M in annual revenue. The platform combines comprehensive feature sets with accessibility, offering non-recourse protection on approved invoices.
The positioning differences matter for B2B suppliers evaluating these solutions:
- TreviPay: Designed for enterprise operations with global requirements
- Fluid: Regional focus on Southeast Asian markets
- Resolve Pay: Purpose-built for mid-market North American suppliers seeking accessible net terms solutions
Service Offerings and Platform Capabilities
TreviPay Platform Features
TreviPay delivers comprehensive order-to-cash capabilities designed for enterprise requirements:
- Multi-currency payment processing across numerous countries
- Contract pricing verification and rebate management
- Multi-tier billing and invoicing infrastructure
- Collections services with support teams
- ERP integrations with systems including NetSuite, SAP solutions, and JD Edwards
- White-labeled buyer portals for enterprise branding
This enterprise architecture serves Fortune 500 requirements with full-featured capabilities.
Fluid's Regional Approach
Fluid concentrates on B2B financing for Southeast Asian commerce:
- Supplier funding through regional payment rails
- Automated reconciliation across payment methods
- Payment term options for business buyers
- Integration with regional procurement platforms and marketplaces
- Local bank connections for Singapore and Malaysia operations
Fluid's regional specialization serves businesses operating primarily in Southeast Asian markets.
Resolve Pay's Integrated Solution
Resolve Pay's platform provides an integrated approach for mid-market suppliers:
- Non-recourse advances on approved invoices, subject to applicable agreement and program requirements
- Up to 90% of an approved invoice value within 24 hours
- Net 30, 60, and 90-day payment terms with flexible configuration
- Automated credit assessment combining data analysis with credit expertise
- AR automation capabilities reducing manual invoice management work
- Collections technology with multi-channel automated sequences
- Prebuilt eCommerce connections for platforms including Shopify, BigCommerce, Magento, and WooCommerce
- Accounting system integrations with QuickBooks, Xero, NetSuite, and Sage Intacct
The integrated approach means mid-market suppliers access comprehensive capabilities designed specifically for their business scale. Research from the Federal Reserve Banks indicates that payment terms and timely customer collections significantly affect small-business cash flow management.
Target Customer Profiles
TreviPay Customer Profile
TreviPay serves businesses with specific characteristics:
- Fortune 500 manufacturers and distributors
- Companies operating across multiple countries
- Organizations with complex contract pricing requirements
- Businesses with dedicated IT and finance teams
- Annual B2B transaction volumes at enterprise scale
Fluid Target Market
Fluid focuses on businesses in specific regions:
- Southeast Asian B2B marketplaces and procurement platforms
- Singapore and Malaysia-based suppliers and distributors
- Regional businesses requiring local payment rail integration
- Organizations with primarily Southeast Asian buyer relationships
Resolve Pay Customer Base
Resolve Pay serves mid-market businesses with particular needs:
- Mid-market manufacturers, distributors, and wholesalers
- Companies with over $1M annual revenue seeking growth
- B2B eCommerce businesses requiring checkout integration
- Organizations seeking to offer net terms without building internal credit departments
- Suppliers needing efficient deployment
Customer examples demonstrate Resolve Pay's mid-market effectiveness. According to case study data, specific businesses achieved significant results: SS&SI Dealer Network experienced substantial revenue growth, ConEquip realized year-over-year expansion, Archipelago Lighting increased revenue while reducing credit approval time, Trenchless Supply decreased AR workload significantly, and Elston Materials improved margin performance. These represent individual customer outcomes and may not reflect results for all businesses.
Implementation and Deployment Considerations
Implementation timelines vary based on business systems, data quality, approval workflows, and integration complexity.
TreviPay Implementation
TreviPay implementation involves enterprise-level processes:
- Enterprise sales process and contract coordination
- Leadership workshops and planning sessions
- Platform deployment timelines varying by complexity
- Integration with existing ERP and financial systems
- Account management and ongoing coordination
Fluid Deployment
Fluid deployment focuses on regional integration:
- API-based integration for marketplace and procurement platforms
- Connection timelines depending on technical requirements
- Regional business hours support structure
- Focus on Southeast Asian payment rail connectivity
Resolve Pay Implementation
Resolve Pay provides accessible implementation options:
- Prebuilt integrations for eCommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce
- Implementation timelines depending on system complexity, existing integrations, data preparation, and workflow configuration
- Accounting system synchronization for invoice, customer, and transaction data
- Dedicated success team providing implementation support
- APIs and webhooks available for custom integrations
For B2B suppliers facing competitive pressure, implementation speed matters. NACHA data shows B2B electronic payment volume continues growing, indicating increasing adoption of automated payment solutions.
Credit Assessment and Risk Management
Credit evaluation capabilities determine how effectively platforms enable B2B sales growth.
TreviPay Credit Capabilities
TreviPay provides enterprise-grade credit assessment:
- Automated approval capabilities for qualified purchases
- Credit evaluation processes for buyer assessment
- Risk assessment across global operations
- Credit services with dedicated support teams
Fluid Credit Approach
Fluid employs regional credit assessment:
- Rapid credit decision capabilities through automated systems
- Regional focus on Singapore and Malaysia credit data
- Invoice advance capabilities on approved transactions
- Automated reconciliation across payment methods
Resolve Pay Credit Platform
Resolve Pay offers integrated credit assessment:
- Automated credit evaluation analyzing buyer data points and combining algorithmic assessment with credit expertise
- Proprietary evaluation of business creditworthiness factors
- Non-recourse advances on approved invoices, helping sellers reduce credit exposure on qualifying advanced invoices subject to applicable agreement and program requirements
- Credit checks designed to minimize impact on buyer credit profiles
- Dynamic credit line adjustments based on payment history
- Up to 90% of approved invoice value within 24 hours
The approach to risk protection matters significantly. Resolve Pay provides non-recourse advances on approved invoices under applicable program terms, helping suppliers reduce credit exposure on qualifying transactions. This differs from traditional accounts receivable management where suppliers bear full collection risk.
Integration Ecosystem and Technical Infrastructure
TreviPay Integrations
TreviPay supports enterprise system connectivity:
- NetSuite, SAP Ariba, SAP Taulia, JD Edwards, Coupa
- BigCommerce, Mirakl, Adobe Commerce/Magento
- API specifications for custom development
- Enterprise-grade security infrastructure
- Multi-country payment rail connectivity
Fluid Technical Integration
Fluid provides regional integration options:
- Accounting system connections for regional markets
- API-based marketplace and procurement platform connectivity
- Southeast Asian bank and payment rail connections
- Regional payment infrastructure optimization
Resolve Pay Integration Capabilities
Resolve Pay offers accessible integration options for mid-market eCommerce:
- eCommerce Platforms: Shopify, BigCommerce, Magento 2, WooCommerce with prebuilt checkout extensions
- Accounting Systems: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite with synchronization for customer data, invoices, transactions, and reconciliation
- Custom Development: APIs and webhooks available for custom implementations
The prebuilt eCommerce connections enable "Pay with Net Terms" checkout experiences, a valuable capability for mid-market B2B sellers. According to the U.S. Small Business Administration, late payments and overdue invoices can create serious cash-flow problems for small businesses, making effective accounts receivable management important to financial health.
User Experience and Market Recognition
TreviPay Market Position
TreviPay maintains an established market position:
- Decades of operating history
- Global enterprise client roster
- Industry partnership certifications
Fluid Recognition
Fluid has gained regional visibility:
- Recognition in Southeast Asian startup ecosystems
- Regional fintech press coverage
- Growing Southeast Asian market presence
Resolve Pay Platform
Resolve Pay demonstrates mid-market traction:
- Thousands of active merchants
- Team includes professionals with experience at organizations such as Affirm, Amazon, and PayPal
- Focus on B2B commerce and accounts receivable automation
Customer feedback highlights Resolve Pay's support, usability, and credit approval capabilities. The platform's heritage brings consumer payment expertise adapted specifically for B2B commerce requirements.
Why Choose Resolve Pay for Mid-Market B2B Operations
Resolve Pay provides mid-market manufacturers, distributors, and wholesalers with an integrated solution combining multiple capabilities in a single platform.
Risk Management Through Non-Recourse Structure:
Resolve Pay provides non-recourse advances on approved invoices, helping suppliers reduce credit exposure on qualifying advanced invoices. This protection, subject to applicable agreement and program requirements, represents significant value for businesses concerned about payment default risk.
Accessible Platform Without Enterprise Complexity:
Resolve Pay's approach makes professional net terms management accessible to businesses from $1M annual revenue. The transparent model enables mid-market suppliers to offer competitive payment terms without enterprise-scale infrastructure.
Integrated Platform Benefits:
Rather than managing multiple point solutions, Resolve Pay combines credit decisioning, net terms financing, AR automation, and intelligent collections in a single platform. This integration eliminates coordination overhead and data management complexity that multi-vendor approaches create.
North American Market Focus:
While TreviPay serves global enterprise operations and Fluid specializes in Southeast Asia, Resolve Pay provides comprehensive North American coverage for the mid-market segment. This geographic alignment matters for suppliers whose buyers operate primarily in North America.
eCommerce Integration Capabilities:
Resolve Pay's prebuilt connections for Shopify, BigCommerce, Magento, and WooCommerce enable net terms at checkout, a capability particularly valuable for B2B suppliers operating digital sales channels.
For mid-market B2B suppliers seeking to offer competitive net terms without cash flow strain or operational complexity, Resolve Pay provides an integrated solution designed specifically for their business requirements.
Frequently Asked Questions
What does non-recourse financing mean for B2B suppliers?
Non-recourse financing means that when a supplier receives an advance on an approved invoice, the financing provider assumes the credit risk on that transaction. For Resolve Pay, this means suppliers receive advances on approved invoices and are protected from buyer payment default on those qualifying transactions, subject to the applicable agreement and program requirements. This differs from traditional factoring or recourse arrangements where suppliers might need to repay advances if buyers don't pay. Non-recourse protection helps suppliers reduce credit exposure on advanced invoices, though suppliers should review specific program terms to understand the scope and conditions of protection provided.
How do net terms payment options help B2B suppliers grow sales?
Net terms payment options allow B2B buyers to purchase goods or services and pay later, typically in 30, 60, or 90 days. This flexibility helps suppliers compete more effectively by matching payment terms that larger competitors offer. Many business buyers prefer or require net terms, and suppliers who can offer these terms access a broader customer base. However, offering net terms traditionally requires suppliers to fund working capital and manage credit risk. Platforms like Resolve Pay enable suppliers to offer competitive terms while receiving rapid payment through invoice advances, allowing suppliers to maintain cash flow while expanding their addressable market.
What factors determine invoice advance rates and funding speed?
Invoice advance rates and funding speed depend on several factors including buyer creditworthiness, invoice amount, payment terms, industry risk factors, and the supplier's history with the platform. Resolve Pay evaluates these factors through automated data analysis combined with credit expertise. For approved invoices, Resolve Pay advances up to 90% of invoice value within 24 hours, though actual rates and timing depend on the specific transaction and buyer assessment. Higher advance rates help suppliers access more working capital, while faster funding improves cash flow management. Suppliers should understand that advance rates represent the percentage of invoice value paid upfront, with the remainder (minus applicable fees) paid when the buyer completes payment.
How does AR automation reduce manual accounts receivable work?
AR automation technology handles repetitive receivables management tasks that traditionally require manual effort. This includes automatic invoice generation and delivery, payment tracking and reconciliation, accounts receivable aging monitoring, collections communication sequences, and accounting system synchronization. Resolve Pay's AR automation platform integrates with accounting systems to synchronize customer data, invoices, and transactions, reducing manual data entry and error risk. The platform's collections technology can automate payment reminders and follow-up sequences, decreasing the time teams spend on receivables management. For mid-market businesses without dedicated AR staff, automation enables professional receivables management without proportional staffing increases.
What implementation requirements should suppliers prepare for net terms platforms?
Implementation requirements vary by platform complexity and business systems. For Resolve Pay implementations, suppliers typically need to provide business information for account setup, buyer data for credit assessment, accounting system access for integration, and eCommerce platform access if using checkout integrations. Implementation timelines depend on factors including system complexity, existing integration infrastructure, data preparation and quality, internal approval workflows, and team training requirements. Suppliers with existing eCommerce platforms (Shopify, BigCommerce, Magento, WooCommerce) or accounting systems (QuickBooks, Xero, NetSuite, Sage Intacct) can leverage prebuilt connections. Custom implementations using APIs and webhooks require technical resources but provide flexibility for unique workflow requirements. Suppliers should plan for dedicated team time during implementation for configuration, testing, and training to ensure successful platform adoption.
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.
