Aug 06, 2026
When B2B suppliers need to offer net payment terms without straining cash flow, choosing the right payment platform becomes a defining business decision. Two established players, TreviPay and Jifiti Lending, represent fundamentally different approaches to B2B financing. While TreviPay operates as an enterprise pay-by-invoice network with decades in the market, Jifiti provides white-label lending infrastructure designed primarily for banks and financial institutions. TreviPay and Jifiti Lending address different parts of this challenge: TreviPay provides enterprise B2B payment and invoicing infrastructure, while Jifiti supplies white-label lending technology for banks and regulated lenders. Resolve Pay offers a more supplier-focused alternative by connecting buyer credit decisions, net terms, non-recourse invoice advances, payment workflows, and receivables automation.
Key Takeaways
- TreviPay serves enterprise B2B commerce with established global payment infrastructure, while Jifiti provides white-label BNPL infrastructure for banks and lenders rather than direct supplier solutions
- Resolve Pay offers non-recourse protection on eligible invoices from approved buyers, subject to program requirements and the merchant agreement, which can differ from the risk-allocation models used by enterprise payment networks or bank-funded programs
- Resolve Pay can deliver implementation within days for standard integrations, while enterprise platforms may require longer deployment timelines depending on system complexity and customization needs
- For mid-market B2B suppliers, Resolve Pay's integrated B2B payments platform combines credit decisioning, net terms financing, AR automation, and collections, reducing the need for multiple vendors
- Resolve Pay can advance funds on eligible invoices, with credit decisions delivered quickly for qualifying transactions through AI-powered underwriting
- TreviPay provides solutions for enterprises with global payment infrastructure needs, while Jifiti enables banks to build lending programs, and Resolve Pay focuses on supplier cash flow and B2B net terms management
- Offering trade credit to business buyers helps suppliers compete effectively while managing working capital, a challenge that specialized B2B payment platforms address through different operational models
Understanding Each Company's Core Positioning
TreviPay positions itself as a comprehensive B2B payments and invoicing network for enterprise and upper mid-market sellers. With extensive experience in B2B commerce, TreviPay has built infrastructure supporting transactions across multiple countries and currencies. The platform serves major brands and their core offering centers on pay-by-invoice capabilities with buyer account management, purchasing controls, and managed services.
Jifiti takes a distinctly different approach. Founded in 2011, Jifiti operates as a white-label embedded lending platform designed specifically for banks, lenders, and enterprise merchants. Rather than serving suppliers directly, Jifiti enables financial institutions to offer their own branded BNPL and financing programs. The platform supports omnichannel financing across online, in-store, and call center channels, with multi-lender orchestration that routes applications to multiple funding sources.
Resolve Pay represents a third path, purpose-built for mid-market B2B suppliers who need net terms management platform capabilities. Founded as a spinout from Affirm with leadership from PayPal and Amazon, Resolve Pay combines consumer BNPL principles with B2B-specific features like business credit checks, AR automation, and non-recourse financing options.
The fundamental difference lies in the target market: TreviPay builds payment infrastructure for global enterprises, Jifiti enables banks to create lending programs, while Resolve Pay empowers suppliers to offer competitive net terms while improving cash flow.
Service Offerings Reveal Different Strategic Focuses
TreviPay's Enterprise Service Portfolio
TreviPay offers comprehensive B2B payment capabilities designed for large-scale operations:
- Pay-by-invoice network with buyer account management
- Purchasing controls and spending limits for business buyers
- Multi-entity billing and settlement across organizations
- Credit decisioning with automated approvals
- Full accounts receivable automation and O2C workflows
- Global payment processing in multiple currencies
- Managed services including collections and invoicing
- Enterprise ERP integrations (SAP, Oracle, Microsoft Dynamics)
This comprehensive approach serves Fortune 500 companies managing complex global operations.
Jifiti's White-Label Lending Infrastructure
Jifiti focuses on enabling financial institutions to build their own programs:
- White-label BNPL and point-of-sale financing
- Multi-lender orchestration for approval optimization
- Omnichannel coverage (online, in-store, call center)
- Loan management system (LMS) capabilities
- Modular API platform for custom implementations
- Merchant network access for partner banks
- Compliance and regulatory support
Jifiti's model operates through bank or lender partnerships, with the participating lender establishing the credit product, underwriting rules, and program structure.
Resolve Pay's Supplier-Centric Platform
Resolve Pay addresses the specific needs of B2B suppliers with an integrated approach:
- Net Terms Financing: Offer Net 30/60/90 terms while receiving advances on eligible invoices from approved buyers
- AI Credit Engine: Credit decisions powered by proprietary underwriting that evaluates business data points for qualifying transactions
- AR Automation Platform: Automated invoicing, payment reminders, and reconciliation synced with major accounting platforms
- Agentic Collections Tools: Multi-channel automated sequences (email, SMS, voice AI) with intelligent escalation
- White-Label Payment Portal: Branded buyer experience maintaining seller identity throughout
- Native Integrations: Direct connections to Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, Xero, NetSuite, and Sage Intacct
The specialization allows for deeper functionality in areas that directly impact supplier cash flow and operational efficiency.
Credit Decisioning and Approval Speed Comparison
The ability to quickly approve buyer credit determines how effectively suppliers can close deals and capture new business. Access to business credit remains a critical factor for B2B transactions.
TreviPay Credit Capabilities
TreviPay provides automated credit decisioning with processing designed for near real-time approvals on qualifying transactions. The platform supports various credit limits, making it suitable for enterprise-scale transactions. Implementation requires setup time, and the credit infrastructure is optimized for large buyer networks.
Jifiti Credit Approach
Jifiti's credit decisioning depends entirely on partner banks and lenders. Approval speed, credit limits, and underwriting criteria vary based on which financial institutions participate in the program. The multi-lender orchestration can route applications to multiple funding sources.
Resolve Pay Credit Engine Advantages
Resolve Pay's AI-powered credit engine can deliver credit decisions quickly for qualifying transactions. The proprietary underwriting evaluates cash flow trends, payment history, and behavioral signals to provide approvals for purchases meeting program criteria, with larger amounts processed based on underwriting requirements. Dynamic credit lines can adjust based on buyer payment history for eligible accounts.
Key advantages include:
- Quiet credit checks that don't notify buyers
- Real-time decisioning capabilities for qualifying transactions
- Credit line adjustments based on positive payment behavior for eligible accounts
- Streamlined approval processes
For suppliers, fast credit decisions can translate directly to competitive advantage at the point of sale.
Trade Credit Management and Risk Protection
How each platform handles credit risk fundamentally shapes the value proposition for suppliers. Business financing structures vary significantly across B2B payment platforms.
TreviPay Risk Model
TreviPay offers payment certainty for approved transactions within their program structure. The platform manages collections and works to reduce bad debt exposure within its network. The specific risk allocation between TreviPay and sellers depends on the individual program and merchant agreement.
Jifiti Risk Structure
In Jifiti's model, partner banks and lenders typically bear the credit risk rather than merchants. The participating lender establishes the credit product, underwriting rules, and program structure. Suppliers using Jifiti-powered programs access financing through these bank relationships.
Resolve Pay's Non-Recourse Protection
Resolve Pay can provide non-recourse financing on eligible invoices from approved buyers. Non-recourse protection applies to valid and eligible invoices from approved buyers, subject to the merchant agreement, program requirements, and exclusions involving matters such as fraud, disputes, returns, invalid invoices, or contractual breaches.
For qualifying transactions within program parameters:
- Credit risk protection for suppliers on approved invoices
- Non-recourse structure on eligible transactions
- Resolve Pay assumes default risk on funded invoices meeting program criteria
- Suppliers can receive payment on approved invoices
This protection model, when applicable, enables suppliers to confidently extend terms to approved customers. Unlike traditional factoring, which may involve recourse obligations, Resolve Pay's modern factoring alternative approach can eliminate default risk on qualifying funded transactions.
Accounts Receivable Automation and Collections
Efficient AR management directly impacts DSO (Days Sales Outstanding) and operational costs.
TreviPay AR Capabilities
TreviPay offers enterprise-grade O2C (order-to-cash) automation including invoicing, payment tracking, and collections management. The platform provides comprehensive AR dashboards and reporting for large organizations. These capabilities come as part of the broader enterprise package.
Jifiti AR Functionality
Jifiti focuses on loan origination and management as a lending infrastructure platform for banks. AR workflows remain with merchants or their existing systems. Suppliers using Jifiti-powered financing typically need separate solutions for invoice management, payment reminders, and collections.
Resolve Pay AR Automation Advantages
Resolve Pay integrates comprehensive AR automation directly into the net terms platform:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using ML to match invoice-to-cash
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite
The agentic collections capability uses multi-channel automation (email, SMS, voice AI) with intelligent escalation based on buyer response patterns. Configurable sequences can pause when payments or disputes are received, and interactions log to invoice records.
This level of automation can eliminate manual effort that typically consumes finance team resources, helping suppliers streamline their receivables operations.
Integration Ecosystem and Implementation Speed
How quickly platforms deploy and connect to existing systems determines time-to-value.
TreviPay Integration Approach
TreviPay offers extensive enterprise integrations including deep connections to SAP, Oracle, Microsoft Dynamics, and other major ERP systems. The platform supports Adobe Commerce and enterprise ecommerce platforms. These implementations depend on setup requirements, custom configuration, and managed services coordination appropriate for large enterprises.
Jifiti Integration Model
Jifiti provides modular APIs enabling banks to integrate lending capabilities into their systems. Implementation timelines depend on bank requirements and typically span weeks to months for full deployment. Merchants access Jifiti-powered financing through their bank relationships rather than direct integration.
Resolve Pay Integration Speed
Resolve Pay prioritizes rapid deployment with native financial system integrations designed for quick activation:
Ecommerce Platforms:
- Shopify
- BigCommerce
- Magento 2
- WooCommerce
Accounting & ERP Systems:
- QuickBooks Online
- Xero
- Sage Intacct
- Oracle NetSuite
Technical Capabilities:
- REST API with webhooks and sandbox
- Two-way sync for invoice and payment data
- White-label deployment options
Implementation timelines vary based on the systems being connected, integration complexity, testing requirements, and customization needs. Standard ecommerce integrations with supported platforms can activate quickly, while custom implementations or complex ERP environments may require additional configuration. Most teams using pre-built connectors can launch within days.
Platform Positioning and Operating Models
Different business profiles align with different platform approaches.
TreviPay Operating Model
TreviPay serves organizations with global operations, multi-national transaction requirements, complex multi-entity billing needs, and managed services preferences at enterprise scale. The platform's established infrastructure and buyer network provide advantages for organizations operating at significant scale with international requirements.
Jifiti Operating Model
Jifiti serves banks and financial institutions building branded lending programs, enterprise retailers wanting bank-funded BNPL structures, merchants needing omnichannel financing across multiple channels, and organizations preferring bank partnerships for their financing programs. Jifiti's white-label infrastructure suits financial services organizations building their own credit products.
Resolve Pay's Supplier-Focused Approach
Resolve Pay provides solutions for mid-market B2B suppliers with established annual revenue, manufacturers, distributors, and wholesalers offering Net 30/60/90 terms, companies seeking non-recourse protection options on eligible invoices, organizations wanting rapid implementation capabilities, businesses seeking integrated credit, AR, and payments platforms, and suppliers prioritizing transparent program structures.
The platform focuses specifically on supplier cash flow challenges, combining credit decisioning, invoice advances, AR automation, and collections into a unified system designed for B2B commerce.
Why Resolve Pay Delivers Value for B2B Suppliers
Mid-market B2B suppliers face unique challenges that Resolve Pay addresses through its integrated platform approach.
Speed of Execution
Resolve Pay can deliver implementation within days for standard integrations, depending on the systems being connected and customization requirements. This deployment speed matters for suppliers facing cash flow pressure or competitive pressure to offer terms quickly.
Risk Protection Options
Non-recourse protection applies to valid and eligible invoices from approved buyers, subject to the merchant agreement, program requirements, and exclusions. This protection model, where applicable, eliminates credit risk on qualifying approved transactions.
Integrated Platform Value
Rather than stitching together separate credit, AR, and collections tools, Resolve Pay combines these functions into a unified platform. This integration can reduce coordination overhead, data reconciliation challenges, and vendor management complexity.
Supplier-Focused Expertise
Resolve Pay was built by former executives from Affirm, PayPal, and Amazon with deep expertise in consumer BNPL adapted for B2B commerce. This focused background delivers purpose-built functionality designed specifically for supplier needs.
Transparent Program Structure
Resolve Pay provides clear program terms and competitive structure, making it accessible for mid-market suppliers. For detailed information on program requirements and eligibility, suppliers can review integration documentation and platform specifications.
For B2B suppliers seeking to offer competitive net terms, improve cash flow, and access non-recourse protection on eligible transactions, Resolve Pay represents a modern approach to B2B payments designed specifically for supplier operational needs.
Frequently Asked Questions
What Types of B2B Companies Benefit Most from Resolve Pay?
Resolve Pay serves mid-market B2B suppliers including manufacturers, distributors, and wholesalers with established annual revenue who need to offer net terms. These companies benefit from Resolve Pay's integrated platform combining credit decisioning, invoice financing options, AR automation, and collections in a unified solution. The platform addresses specific supplier cash flow challenges by enabling companies to extend payment terms to approved buyers while accessing advances on eligible invoices. Suppliers between established revenue thresholds can access enterprise-grade capabilities through a supplier-focused platform.
How Does Resolve Pay's Non-Recourse Financing Work?
Non-recourse protection applies to valid and eligible invoices from approved buyers, subject to the merchant agreement, program requirements, and exclusions involving matters such as fraud, disputes, returns, invalid invoices, or contractual breaches. For qualifying transactions within program parameters, Resolve Pay assumes the default risk on funded invoices, meaning suppliers can keep advances on approved transactions even if buyers default. This differs from traditional factoring arrangements that may include recourse obligations. The risk transfer on eligible invoices provides clarity for financial planning, though suppliers should review program documentation for specific terms, conditions, and exclusions that define invoice eligibility and protection scope.
What Implementation Timeline Should Companies Expect?
Implementation timelines vary based on the systems being connected, integration complexity, testing requirements, and customization needs. Standard ecommerce integrations with supported platforms like Shopify, BigCommerce, or WooCommerce can activate quickly using pre-built connectors. More complex ERP environments or custom integrations may require additional configuration and testing time. Most teams using Resolve Pay's native integrations with supported accounting systems (QuickBooks, Xero, Sage Intacct, NetSuite) can complete setup within days, though timelines depend on internal processes, data migration requirements, and user acceptance testing.
Can Resolve Pay Integrate with Existing Accounting and Ecommerce Systems?
Yes, Resolve Pay offers native integrations with major platforms including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Two-way sync capabilities can automatically reconcile invoice and payment data when supported by the integration, reducing manual data entry. The platform also provides REST API access with webhooks and sandbox environments for custom integrations. Integration capabilities vary by system and configuration, so suppliers should verify specific functionality with their platform combination. White-label deployment options maintain brand consistency throughout the buyer experience.
How Do Credit Approval Speeds Compare Across Platforms?
Credit approval speeds vary significantly across B2B payment platforms based on underwriting models, transaction size, and buyer profiles. Resolve Pay's AI-powered credit engine can deliver decisions quickly for qualifying transactions, with proprietary underwriting that evaluates cash flow trends and payment history. Enterprise platforms may provide automated approvals for transactions meeting their criteria, with manual review processes for larger or more complex requests. Bank-funded models like Jifiti depend entirely on partner institution underwriting, which varies by lender. For suppliers where fast credit decisions impact deal velocity, platform selection should consider both approval speed capabilities and the buyer experience during the credit application process. Understanding small business credit options helps suppliers evaluate which platform model aligns with their operational needs.
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.
