When B2B companies need to optimize their payment operations and offer net terms to buyers, choosing the right platform becomes a defining business decision. Two prominent options, TreviPay and Melio, represent fundamentally different approaches to B2B payments. TreviPay operates as an enterprise-focused order-to-cash platform, while Melio focuses primarily on accounts payable automation and business payment workflows. Neither platform specializes in the needs of mid-market manufacturers and distributors who require both fast cash flow and net terms financing. This comparison examines how Resolve Pay's integrated B2B payment platform addresses these needs for scaling B2B companies requiring non-recourse financing, rapid implementation, and comprehensive AR automation in one solution.
TreviPay positions itself as an enterprise-grade B2B payments and invoicing network, offering comprehensive order-to-cash solutions for large organizations operating across multiple countries. With decades of experience in B2B payments, TreviPay supports enterprise integration projects for order-to-cash programs and embedded payment experiences. The platform emphasizes embedded checkout experiences, managed services, and credit programs designed for high-volume enterprise buyers. Their typical clients include Fortune 500 companies and global manufacturers requiring complex multi-entity operations.
Melio takes a different approach, focusing on accounts payable automation. The platform enables companies to pay vendors by bank transfer, credit card, or check, with integrations to accounting systems including QuickBooks and Xero. Melio emphasizes ease of use and quick setup, serving businesses that need to streamline their vendor payment processes, manage basic approval workflows, and sync payment data with their accounting software.
Resolve Pay serves mid-market B2B sellers with a complete payments platform. Built by former executives from leading technology and payments companies, Resolve Pay operates as a comprehensive B2B payments platform combining:
The fundamental difference lies in philosophy: TreviPay supports enterprise payment infrastructure, Melio processes vendor payments for accounts payable teams, while Resolve Pay delivers complete net terms and AR automation designed for rapid deployment.
TreviPay's service portfolio spans the enterprise payment function:
This comprehensive approach serves global enterprises with complex compliance requirements and multi-jurisdictional operations.
Melio's services focus on accounts payable:
Melio emphasizes simplicity and quick setup for businesses managing their accounts payable operations.
Resolve Pay's services address the complete quote-to-cash cycle for B2B sellers:
For example, Resolve Pay's pre-built integrations with ecommerce platforms and accounting systems enable businesses to launch net terms programs efficiently. According to the Consumer Financial Protection Bureau, payment technology innovation benefits businesses when it delivers both speed and appropriate risk management.
TreviPay primarily serves global enterprises operating in multiple countries with complex payment requirements. Their platform is designed for large manufacturers, retailers, and service providers processing high volumes who need comprehensive managed services, multi-currency support, and deep compliance capabilities. Companies suited for TreviPay typically have dedicated treasury and finance teams capable of managing integration projects.
Melio targets businesses focused on accounts payable. Their platform serves companies needing to pay vendors, manage basic approval workflows, and sync with accounting software. The platform emphasizes QuickBooks integration and ease of use for teams managing vendor payments and bill pay operations.
Resolve Pay serves mid-market B2B sellers, manufacturers, distributors, and wholesalers typically generating $1M+ in annual revenue who need to offer competitive payment terms while maintaining healthy cash flow. Resolve Pay's customers include businesses that have experienced measurable improvements in their operations:
Mid-market B2B companies need strategic net terms financing with efficient implementation. Resolve Pay's model addresses these specific requirements.
Both TreviPay and Melio showcase results aligned with their respective markets, though the nature of these results reflects their different strategic focuses.
TreviPay emphasizes scale metrics in their market positioning, highlighting operations spanning multiple countries and decades of B2B payments experience. Their platform serves enterprise customers with global operations and complex multi-jurisdictional requirements.
Melio focuses on adoption among businesses managing accounts payable, with emphasis on ease of use and QuickBooks integration. The platform delivers quick setup for companies needing to streamline vendor payment workflows.
Resolve Pay emphasizes rapid impact for B2B sellers:
Implementation schedules vary based on scope, data requirements, system complexity, testing, and internal resources. According to the Consumer Financial Protection Bureau, innovation in digital payments should be accompanied by appropriate oversight, fraud protection, and data-security safeguards.
TreviPay's methodology centers on enterprise deployment. Implementations involve discovery, integration planning, and compliance configuration for organizations with dedicated project teams and enterprise-level requirements. The managed services model serves organizations requiring comprehensive compliance and multi-jurisdictional support.
Melio emphasizes self-service simplicity. Users sign up, connect their bank account and accounting software, and begin paying vendors. The platform prioritizes intuitive interface and straightforward setup for businesses managing accounts payable functions.
Resolve Pay combines sophistication with operational efficiency:
The execution philosophy difference reflects each platform's target market: TreviPay builds enterprise payment infrastructure, Melio provides quick bill-pay setup, while Resolve Pay delivers complete net terms and AR automation designed for mid-market efficiency.
TreviPay's integrations focus on enterprise systems, supporting custom API development for complex environments, multi-system architecture supporting global operations, and enterprise ERP connectivity. Implementation requires dedicated technical resources with timelines dependent on scope and complexity.
Melio's integrations prioritize business accounting, with strong QuickBooks Online/Desktop synchronization, Xero and FreshBooks connectivity, integration with accounting and finance systems including NetSuite, and Amazon Business integration for purchasing workflows.
Resolve Pay supports integrations with ecommerce platforms, accounting software, ERP systems, and custom applications:
The integration advantage proves particularly valuable for B2B ecommerce. The Small Business Administration emphasizes using cash-flow projections and stronger financial visibility to maintain healthy day-to-day business operations.
Mid-market B2B companies face unique challenges that make Resolve Pay well-suited for their needs. These businesses need net terms capabilities to compete effectively, cash flow acceleration to fund growth, and AR automation to reduce operational overhead.
For B2B manufacturers, distributors, and wholesalers seeking payment acceleration with operational efficiency, Resolve Pay represents a modern approach to net terms and AR management. The combination of non-recourse financing for covered approved invoices, efficient implementation, automated decisioning, and competitive pricing creates a value proposition designed specifically for mid-market needs.
Companies can explore their potential outcomes using the Resolve Pay ROI calculator to see exactly how non-recourse financing and AR automation would impact their specific business operations.
Mid-market B2B sellers operate in a unique space where enterprise complexity isn't practical and simple bill-pay tools don't address core needs. These businesses require platforms that can offer competitive net terms to buyers while maintaining healthy seller cash flow, all without months-long implementations or overwhelming operational overhead.
Resolve Pay addresses this market gap specifically. The platform combines net terms financing with non-recourse protection for covered approved invoices, comprehensive accounts receivable automation, and intelligent collections workflows in a package designed for mid-market operational needs.
For manufacturers, distributors, and wholesalers seeking to compete effectively while managing cash flow risk, Resolve Pay's integrated B2B payment platform delivers the specialized capabilities these businesses require.
Non-recourse financing means the provider assumes qualifying buyer credit-default risk for covered approved invoices under the merchant agreement. Resolve Pay can advance funds on eligible invoices while buyers pay according to agreed terms. If a covered buyer defaults for credit reasons, the seller is generally protected. Coverage does not typically include disputes, fraud, returns, fulfillment failures, or merchant breaches.
Resolve Pay uses business information, financial data, behavioral signals, and credit expertise to evaluate buyers. Some applications can be assessed quickly, while others require additional verification or review. Larger transactions or buyers with limited available data may need further analysis. This approach helps sellers approve qualified buyers efficiently while maintaining responsible credit standards.
Yes. Resolve Pay supports integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. It can embed net terms into supported checkout environments and synchronize invoice, payment, and reconciliation data. Resolve Pay also provides APIs and a sandbox for custom integrations. Setup time depends on system complexity, data requirements, and implementation scope.
Accounts payable platforms manage outgoing bills, vendor payments, and approvals. Accounts receivable platforms manage incoming payments, invoices, credit, collections, and cash application. Melio is primarily AP-focused, while Resolve Pay supports B2B sellers extending net terms. In simple terms, AP means paying others, while AR means getting paid. The Federal Reserve's financial services guidance provides broader payment-system information.
With Resolve Pay, sellers can offer approved buyers terms such as Net 30, Net 60, or Net 90. Eligible merchants may request advancement on approved invoices, receiving funds before the buyer’s due date. The buyer then pays according to the agreed schedule. For covered transactions, Resolve Pay assumes qualifying buyer credit-default risk, subject to the merchant agreement.
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.