TreviPay vs Kriya

When manufacturers, wholesalers, and distributors offer net payment terms, the platform supporting those terms can affect cash flow, buyer experience, credit risk, and accounts receivable operations. TreviPay and Kriya represent different approaches to B2B payments. TreviPay focuses on enterprise payment and invoicing programs across international markets, while Kriya provides embedded credit and working capital products primarily for UK businesses. For US-based B2B sellers seeking an integrated platform for net terms financing, credit management, invoicing, collections, and payment workflows, Resolve Pay provides a purpose-built option for modernizing the entire receivables lifecycle.

Key Takeaways

• The platforms serve different markets: TreviPay focuses on international enterprise payment programs, while Kriya primarily supports UK businesses through embedded credit and working capital products.
• Resolve Pay unifies the net terms workflow: Sellers can manage credit decisions, invoice financing, payment collection, reconciliation, and receivables automation through one platform.
• Non-recourse advances protect seller cash flow: Resolve Pay can advance up to 100% of eligible approved invoices while assuming the associated non-payment risk.
• Flexible payment terms support buyer purchasing power: Sellers can offer approved customers Net 30, Net 60, Net 90, or other configured terms without waiting for the full payment period to access cash.
• Prebuilt integrations simplify adoption: Resolve Pay connects with widely used ecommerce, accounting, and ERP systems, including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite.
• Resolve Pay is designed for B2B sellers: Manufacturers, wholesalers, distributors, and other invoice-based businesses can use the platform to improve cash flow while maintaining control of the customer experience.

Understanding Each Company’s Core Positioning

TreviPay positions itself as an enterprise B2B payments and invoicing network. Its platform supports payment processing, trade credit, invoicing, accounts receivable automation, and managed services for organizations operating across multiple sales channels and international markets.

The company emphasizes global expansion, localized invoicing, buyer onboarding, credit management, and payment acceptance. This positioning is aligned with large enterprises that need to coordinate complex payment programs across countries, currencies, business units, dealers, or distribution networks.

Kriya follows a regional working capital and embedded finance model. Founded in the UK and previously known as MarketInvoice and MarketFinance, Kriya offers B2B PayLater, invoice finance, and working capital products. It became part of Allica Bank, strengthening its connection to the UK business banking and SME finance market.

Kriya’s services are primarily designed around UK business requirements, including embedded payment terms for merchants and financing products for companies seeking liquidity against receivables or other business needs.

Resolve Pay focuses on helping B2B sellers offer payment terms while improving cash flow and reducing the operational burden of managing receivables. Its platform combines B2B payments, embedded credit, invoice advances, invoicing, payment collection, reconciliation, and automated collections.

This integrated approach is particularly relevant for US manufacturers, wholesalers, distributors, and other B2B sellers that want to extend buyer-friendly terms without building an internal credit and collections infrastructure.

Service Offerings Reflect Different Operating Models

TreviPay’s Enterprise Payment Infrastructure

TreviPay provides a broad collection of payment and receivables capabilities for enterprise organizations, including:

• B2B payment processing across online and offline sales channels
• Trade credit and pay-by-invoice programs
• Buyer onboarding and credit decisioning
• Localized invoicing and international payment support
• Accounts receivable automation
• Managed invoicing and collections services
• Connections with enterprise commerce and ERP environments
• White-label payment experiences

Its operating model is structured for organizations that require extensive program configuration, international coverage, and managed payment operations.

Kriya’s Embedded Credit and Working Capital Products

Kriya supports businesses through several related financial products:

• Embedded B2B PayLater at checkout
• Invoice finance
• Selective invoice financing
• Working capital loans and credit facilities
• Merchant and platform integrations
• Bank-supported financial infrastructure through Allica Bank

The company’s regional focus and product structure align closely with UK merchants, marketplaces, and SMEs seeking payment flexibility or access to business funding.

Resolve Pay’s Integrated B2B Commerce Platform

Resolve Pay combines the components required to manage payment terms from initial credit evaluation through final reconciliation:

• Business credit checks
• Buyer credit line management
• Net 30, Net 60, Net 90, and configurable payment terms
• Non-recourse invoice advances
• Automated invoice creation and delivery
• Branded buyer payment portals
• ACH, wire, card, and check payment workflows
• Automated reminders and collections
• Payment reconciliation and bookkeeping automation
• Ecommerce, accounting, ERP, and API integrations

By consolidating these functions, Resolve Pay helps sellers reduce the need to coordinate separate providers for underwriting, financing, invoicing, payments, and collections.

Target Markets and Geographic Focus

TreviPay

TreviPay primarily works with enterprise organizations that operate complex B2B sales programs. These businesses may sell through ecommerce sites, dealer networks, physical locations, field representatives, or ERP-based ordering systems.

Its international payment and invoicing capabilities are suited to organizations that need to serve buyers in multiple countries while accommodating regional currencies, payment preferences, invoice requirements, and compliance considerations.

Kriya

Kriya primarily serves established businesses in the United Kingdom. Its PayLater solution allows participating merchants to provide approved business buyers with deferred payment options, while its invoice finance and working capital products give eligible companies access to liquidity.

Its integration with Allica Bank reinforces its focus on UK business banking, working capital, and embedded credit.

Resolve Pay

Resolve Pay is designed for invoice-based B2B sellers, particularly manufacturers, wholesalers, distributors, and suppliers. Common use cases include:

• Industrial equipment and replacement parts
• HVAC, plumbing, and electrical supplies
• Construction materials
• Medical equipment and business supplies
• Commercial furniture and fixtures
• Automotive and machinery components
• Wholesale ecommerce
• Traditional offline and field sales

These businesses often need to offer payment terms to remain competitive, but financing receivables internally can restrict cash available for inventory, payroll, purchasing, and expansion.

Maintaining accurate financial records and cash flow projections is also an important part of business management, as explained in the SBA finance guidance. Resolve Pay supports that goal by helping sellers convert eligible receivables into cash while keeping invoice and payment data synchronized with existing systems.

Credit Decisioning and Buyer Onboarding

Credit evaluation is a critical part of offering business payment terms. Sellers need enough information to make responsible decisions without creating unnecessary friction for qualified buyers.

TreviPay combines credit evaluation with enterprise buyer onboarding and managed trade credit programs. Its processes are designed to support larger payment networks, international buyers, and customized merchant requirements.

Kriya uses financial and business information relevant to the UK market when assessing applicants for PayLater, invoice finance, or working capital products. The company can also use bank-connected financial data where appropriate for a particular product.

Resolve Pay uses AI-supported credit analysis, behavioral information, commercial data, and human expertise to evaluate buyers. Sellers can submit basic company information for a discreet credit review, while eligible ecommerce buyers may apply for terms within the checkout process.

Resolve Pay’s credit management tools help sellers:

• Evaluate prospective buyers
• Establish appropriate credit limits
• Monitor credit exposure
• Approve eligible orders
• Manage outstanding invoices
• Adjust terms as customer relationships develop

Credit decisions and available limits remain subject to buyer verification and Resolve Pay’s underwriting criteria.

The broader lending market continues to place greater emphasis on transparency and responsible evaluation. The CFPB lending database is one example of ongoing efforts to improve visibility into how small businesses access credit.

Invoice Financing and Risk Protection

The financing structure behind a net terms program determines how much credit risk and cash flow exposure remains with the seller.

TreviPay can support funded trade credit programs in which payment timing and risk allocation are established through customized enterprise agreements. The exact structure depends on the merchant’s program, transaction volume, markets, and contractual terms.

Kriya offers invoice finance and working capital products alongside its embedded PayLater solution. The applicable funding structure, advance percentage, and risk allocation depend on the specific facility and underwriting decision.

Resolve Pay offers non-recourse financing for approved invoice advances. Under this model, Resolve Pay assumes the qualifying non-payment risk associated with the approved transaction.

For eligible invoices, Resolve Pay can provide an advance of up to 100% while the buyer retains the agreed payment period. Actual advance amounts depend on buyer approval, invoice eligibility, verification, and the agreed program structure.

This arrangement allows sellers to offer Net 30, 60, or 90 terms without carrying the full receivable throughout the payment period. It can help preserve cash for:

• Replenishing inventory
• Paying suppliers
• Covering payroll
• Accepting larger orders
• Investing in equipment
• Expanding into new markets

Non-recourse advances also distinguish Resolve Pay from many conventional financing arrangements in which the business may remain responsible if its customer does not pay.

Accounts Receivable and Collections Automation

Offering terms is only one part of the receivables process. Sellers must also create invoices, deliver payment instructions, monitor due dates, send reminders, apply payments, resolve discrepancies, and follow up on overdue balances.

TreviPay offers managed accounts receivable and collections capabilities within its enterprise payment programs. This can support organizations seeking outsourced operational services across large buyer networks.

Kriya’s receivables involvement varies by product. Its invoice finance services address liquidity tied to unpaid invoices, while its PayLater product manages payment obligations associated with approved embedded-credit transactions.

Resolve Pay provides accounts receivable automation across net terms, cash-on-delivery, and due-upon-receipt invoices. Its platform can support:

• Invoice creation and delivery
• Payment reminders
• Buyer communication
• Payment status tracking
• Transaction reconciliation
• Bookkeeping synchronization
• Credit exposure monitoring
• Collections workflows

Resolve Pay also offers agentic collections, which uses automated workflows to manage follow-up activity while preserving the seller’s brand and customer relationships.

Centralizing these tasks helps finance teams reduce repetitive manual work and maintain a more consistent approach to customer communication.

Ecommerce, ERP, and Accounting Integrations

Integration requirements can determine how quickly a B2B payment platform becomes useful.

TreviPay connects with enterprise ecommerce, ERP, point-of-sale, and ordering environments. Its implementation model can accommodate custom workflows for large organizations operating across multiple channels.

Kriya supports embedded PayLater through merchant and payment partnerships. Its integration priorities reflect the systems and payment infrastructure commonly used by UK businesses.

Resolve Pay provides financial integrations across ecommerce, ERP, and accounting environments. Supported systems include:

• Shopify
• BigCommerce
• Magento 2
• WooCommerce
• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Resolve Pay can synchronize customer, invoice, transaction, and payment information so finance teams do not have to re-enter the same data across multiple systems. APIs and webhooks are also available for businesses with custom commerce or operational workflows.

For companies using NetSuite, Resolve Pay can support credit, invoicing, payments, and reconciliation alongside the existing ERP structure. Its NetSuite terms guide explains how external net terms infrastructure can complement native accounting workflows.

Modern payment systems increasingly rely on electronic channels such as ACH, cards, wires, and other noncash methods. The Federal Reserve Payments Study tracks developments across the US payment system, reinforcing the importance of supporting multiple digital payment options within B2B workflows.

Buyer and Seller Experience

TreviPay’s buyer experience is designed around enterprise payment programs. Depending on the merchant’s configuration, buyers may receive localized invoicing, credit access, and payment options across several purchasing channels.

Kriya embeds PayLater into participating merchant checkouts, allowing eligible UK business buyers to defer payment under approved terms.

Resolve Pay enables sellers to maintain a branded experience while using Resolve Pay’s infrastructure behind the scenes. Buyers can:

• Apply for payment terms
• Review invoices
• View payment obligations
• Pay through a branded portal
• Select supported payment methods
• Receive automated reminders
• Continue purchasing through established sales channels

Sellers gain centralized visibility into invoices, customer credit, payment activity, and collections without moving customer relationships to a third-party marketplace.

Why Resolve Pay Fits US B2B Sellers

TreviPay, Kriya, and Resolve Pay address different operational requirements. TreviPay is oriented toward international enterprise payment programs. Kriya focuses on UK embedded credit, invoice finance, and working capital. Resolve Pay is designed for B2B sellers that want to offer terms while improving cash flow and automating receivables.

Resolve Pay brings together:

• Embedded net terms
• Credit decisioning
• Non-recourse invoice advances
• Invoicing
• Payment acceptance
• Collections
• Reconciliation
• Ecommerce and ERP integrations

This structure allows manufacturers, wholesalers, and distributors to create a professional credit program without independently building underwriting models, funding receivables, managing payment portals, and scaling a manual collections team.

Resolve Pay is especially relevant for businesses that need to support both ecommerce and traditional sales. The platform can accommodate purchases made through online checkout, sales representatives, invoices, ERP orders, and other B2B channels.

Conclusion

For US manufacturers, wholesalers, distributors, and other B2B sellers, Resolve Pay provides an integrated way to offer flexible payment terms without placing the full burden of credit management, funding, invoicing, and collections on internal teams.

Its combination of non-recourse advances, automated accounts receivable workflows, branded payment experiences, and established ecommerce and ERP integrations helps sellers improve cash flow while giving approved buyers more time to pay.

Rather than treating credit, financing, payments, and collections as separate processes, Resolve Pay brings them together in a single B2B commerce platform. This makes it a strong fit for growing businesses that want to extend competitive terms, protect working capital, reduce credit exposure, and manage receivables more efficiently.

Frequently Asked Questions

How Does Resolve Pay Help Businesses Offer Net Terms?

Resolve Pay evaluates eligible buyers, establishes approved credit limits, manages payment terms, advances funds on qualifying invoices, and supports invoicing and collections. This allows sellers to offer approved customers Net 30, Net 60, Net 90, or other configured terms without waiting for the entire payment period to access cash.

Is Resolve Pay Financing Non-Recourse?

Resolve Pay’s approved invoice advances are non-recourse. This means Resolve Pay assumes the qualifying non-payment risk associated with approved transactions. Advance availability and amounts remain subject to buyer verification, invoice eligibility, underwriting, and program terms.

Which Systems Integrate With Resolve Pay?

Resolve Pay integrates with ecommerce platforms such as Shopify, BigCommerce, Magento 2, and WooCommerce. It also connects with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. APIs and webhooks support custom integrations.

Can Resolve Pay Automate Accounts Receivable?

Yes. Resolve Pay can automate invoice workflows, payment reminders, payment tracking, reconciliation, bookkeeping synchronization, and collections activity. It supports net terms, cash-on-delivery, and due-upon-receipt invoices through a centralized receivables platform.

Who Is Resolve Pay Designed For?

Resolve Pay is designed primarily for B2B manufacturers, wholesalers, distributors, suppliers, and invoice-based businesses that want to offer payment terms while improving cash flow and reducing credit and accounts receivable workload.

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.