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.
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 delivers comprehensive order-to-cash capabilities designed for enterprise requirements:
This enterprise architecture serves Fortune 500 requirements with full-featured capabilities.
Fluid concentrates on B2B financing for Southeast Asian commerce:
Fluid's regional specialization serves businesses operating primarily in Southeast Asian markets.
Resolve Pay's platform provides an integrated approach for mid-market suppliers:
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.
TreviPay serves businesses with specific characteristics:
Fluid focuses on businesses in specific regions:
Resolve Pay serves mid-market businesses with particular needs:
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 timelines vary based on business systems, data quality, approval workflows, and integration complexity.
TreviPay implementation involves enterprise-level processes:
Fluid deployment focuses on regional integration:
Resolve Pay provides accessible implementation options:
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 evaluation capabilities determine how effectively platforms enable B2B sales growth.
TreviPay provides enterprise-grade credit assessment:
Fluid employs regional credit assessment:
Resolve Pay offers integrated credit assessment:
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.
TreviPay supports enterprise system connectivity:
Fluid provides regional integration options:
Resolve Pay offers accessible integration options for mid-market eCommerce:
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.
TreviPay maintains an established market position:
Fluid has gained regional visibility:
Resolve Pay demonstrates mid-market traction:
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.
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.
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.
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.
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.
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.
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.