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.
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.
TreviPay offers comprehensive B2B payment capabilities designed for large-scale operations:
This comprehensive approach serves Fortune 500 companies managing complex global operations.
Jifiti focuses on enabling financial institutions to build their own programs:
Jifiti's model operates through bank or lender partnerships, with the participating lender establishing the credit product, underwriting rules, and program structure.
Resolve Pay addresses the specific needs of B2B suppliers with an integrated approach:
The specialization allows for deeper functionality in areas that directly impact supplier cash flow and operational efficiency.
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 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'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'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:
For suppliers, fast credit decisions can translate directly to competitive advantage at the point of sale.
How each platform handles credit risk fundamentally shapes the value proposition for suppliers. Business financing structures vary significantly across B2B payment platforms.
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.
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 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:
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.
Efficient AR management directly impacts DSO (Days Sales Outstanding) and operational costs.
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 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 integrates comprehensive AR automation directly into the net terms platform:
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.
How quickly platforms deploy and connect to existing systems determines time-to-value.
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 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 prioritizes rapid deployment with native financial system integrations designed for quick activation:
Ecommerce Platforms:
Accounting & ERP Systems:
Technical Capabilities:
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.
Different business profiles align with different platform approaches.
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 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 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.
Mid-market B2B suppliers face unique challenges that Resolve Pay addresses through its integrated platform approach.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.