When manufacturers, distributors, wholesalers, and other B2B sellers offer payment terms, the platform behind those terms affects cash flow, buyer experience, credit risk, and accounts receivable operations. TreviPay and Mondu approach B2B payments from different market positions: TreviPay supports enterprise payment programs, while Mondu concentrates on European B2B payment options. For established North American sellers seeking net terms financing, invoice advancement, credit decisioning, and receivables automation in one connected system, Resolve Pay provides an integrated platform built around the needs of B2B suppliers.
TreviPay is an enterprise-focused B2B payments provider offering trade credit, invoicing, accounts receivable automation, collections, and managed payment services. Its solutions are designed for organizations operating complex buyer networks, dealer programs, and multinational payment environments. TreviPay emphasizes enterprise infrastructure and managed order-to-cash operations.
Mondu is a European B2B payments company founded in Berlin. It offers payment-by-invoice, installment plans, digital trade accounts, and account-to-account payment options for merchants serving business buyers. Its Electronic Money Institution license from the Dutch Central Bank supports payment services across eligible European markets.
Resolve Pay focuses on established B2B sellers, especially manufacturers, distributors, wholesalers, and ecommerce businesses in North America. The platform combines business credit checks, net terms, advance payments, invoicing, reconciliation, payment acceptance, and accounts receivable automation.
Resolve Pay originated as the B2B payments operation developed within Affirm before becoming an independent company. Its product strategy centers on helping sellers increase buyers’ purchasing power while improving supplier cash flow and reducing the operational burden associated with extending trade credit.
The primary distinction is market alignment:
TreviPay supports enterprise organizations that need structured payment programs across broad customer networks. Its services include:
This approach aligns with companies operating complex payment environments where credit, invoicing, collections, and customer service may need to be managed across multiple countries, business units, or dealer networks.
Mondu provides several B2B payment methods for merchants selling to European and UK business buyers. Its product portfolio includes:
Mondu’s services are structured around European payment infrastructure, regional underwriting data, and local regulatory requirements. This makes the platform most relevant to merchants that primarily sell to business customers in supported European markets.
Resolve Pay combines several functions that B2B suppliers frequently manage through separate systems:
Through its B2B payments platform, Resolve Pay supports online, offline, field-sales, and embedded checkout transactions. Sellers can maintain their customer relationships while using Resolve Pay to support underwriting, funding, payments, and receivables administration.
This connected model helps finance teams avoid moving customer, invoice, payment, and collection information manually between unrelated tools.
Offering payment terms can increase a buyer’s purchasing flexibility, but it may also leave the seller waiting weeks or months to receive cash. That delay can affect inventory purchasing, payroll, supplier payments, and investment in new orders.
TreviPay provides guaranteed settlement and funding structures through enterprise programs configured around each merchant’s payment requirements.
Mondu pays merchants upfront for eligible transactions while approved buyers repay according to the selected invoice or installment arrangement. The payment flow and timing depend on the merchant agreement, transaction approval, and applicable market.
Resolve Pay can advance up to 90% of an approved invoice’s value within 24 hours. Some Resolve Pay programs may support different advance structures based on buyer risk, verification, invoice eligibility, and the seller’s agreement.
The buyer can retain an approved payment term while the seller receives most of the invoice value sooner. This structure allows suppliers to offer terms without carrying the entire receivable on their balance sheet throughout the payment period.
Resolve Pay supports common B2B terms, including Net 30, Net 45, Net 60, and Net 90, subject to approval and program availability. Sellers can therefore provide qualified buyers with additional time to pay while accelerating their own cash-conversion cycle.
Credit decisioning determines which buyers qualify for payment terms, the credit line available to each buyer, and whether an invoice can be advanced.
TreviPay provides automated credit decisioning within its enterprise payment programs. The exact approval process, credit limits, recourse structure, and risk allocation depend on the merchant’s configured program.
Mondu uses digital underwriting to evaluate buyers in supported European markets. Approved transactions may qualify for deferred invoice payments, installments, or digital trade accounts. Mondu assumes the applicable risk for approved transactions under its merchant agreements.
Resolve Pay combines proprietary data models, behavioral signals, financial information, and human credit expertise. Sellers can submit a buyer’s business name and address for a discreet business credit evaluation, reducing the need for lengthy paper applications during the initial review.
Credit decisions can be delivered within 24 business hours, although timing may vary when additional verification or financial information is required. Credit-line amounts are not guaranteed and remain subject to Resolve Pay’s underwriting criteria and buyer verification.
Resolve Pay’s advances are non-recourse. Once an eligible invoice has been approved and funded, the advanced amount is generally the seller’s to keep if the buyer later defaults, subject to the applicable agreement and exclusions such as disputes, fraud, misrepresentation, or contractual breaches.
This model helps sellers reduce exposure to approved buyer defaults without suggesting that every customer, invoice, or transaction will automatically qualify.
Extending terms involves more than making a credit decision. Finance teams must also create invoices, record payments, send reminders, reconcile transactions, handle exceptions, and follow up on overdue balances.
TreviPay supports buyer onboarding, invoicing, collections, and cash application through its accounts receivable automation and managed-services offerings.
Mondu automates transaction approval, merchant payouts, payment schedules, and reconciliation for purchases processed through its payment products.
Resolve Pay provides a broader automated receivables workflow for invoices with net terms, cash-on-delivery arrangements, or payment due upon receipt. Its platform can support:
Resolve Pay also uses AI agents to help manage repetitive receivables workflows. Automated email, SMS, and supported collections communications can reduce the time finance teams spend manually following up with buyers.
Human oversight remains important for disputes, customer-sensitive accounts, exceptions, and other situations that require judgment. Automation supports the receivables team rather than removing the need for appropriate financial controls.
TreviPay provides enterprise integration capabilities for ERP systems, ecommerce environments, point-of-sale systems, and other business infrastructure. Deployment requirements depend on the size of the payment program, the merchant’s technology stack, and the level of customization involved.
Mondu offers ecommerce, payment-service-provider, and API integrations designed for European B2B checkout environments. Its supported connections include platforms and payment partners used by merchants operating across Europe and the United Kingdom.
Resolve Pay offers financial system integrations across ecommerce, accounting, and ERP environments. Supported platforms include:
Resolve Pay’s NetSuite integration supports synchronized customer, invoice, payment, and transaction data between the platforms. Merchants with custom workflows can also use the Resolve developer API and webhooks to manage customers, invoices, payouts, and other resources.
The availability and scope of each connection depend on the merchant’s implementation, platform configuration, and Resolve Pay agreement. Businesses should confirm the required data flows during onboarding rather than assume every integration has identical functionality.
Implementation time depends on the merchant’s systems, sales channels, credit policies, and workflow complexity.
TreviPay enterprise programs may require a structured deployment involving technical integration, credit-policy configuration, operational planning, and coordination across business units.
Mondu implementations may range from ecommerce checkout integrations to more customized API or payment-provider deployments. Geographic coverage and local payment requirements can also affect onboarding.
Resolve Pay is designed to support faster implementation for established B2B suppliers using common ecommerce, ERP, and accounting systems. Prebuilt integrations can reduce custom development, while APIs support more specialized requirements.
Some straightforward Resolve Pay implementations may launch within days. More complex deployments can require additional time for technical configuration, data mapping, underwriting setup, testing, and internal approval.
A realistic onboarding process generally includes:
Resolve Pay generally serves established B2B businesses with at least $1 million in annual B2B revenue, although final eligibility is determined through its review process.
TreviPay is suited to enterprise organizations that require managed payment programs, broad buyer networks, and international operating support.
Mondu is suited to merchants selling to businesses in supported European and UK markets. Its payment options align with regional ecommerce, banking, and regulatory infrastructure.
Resolve Pay is especially relevant for North American
These companies frequently need to approve buyers, offer payment terms, receive cash sooner, accept multiple payment methods, and manage receivables without hiring a large internal credit and collections team.
Resolve Pay’s buyer portal can accept ACH, wire, credit card, and check payments. Sellers can also embed terms into ecommerce checkout, direct-sales, or account-management workflows while preserving a branded customer experience.
Resolve Pay publishes customer stories showing how different suppliers have used net terms, invoice advancement, and receivables automation.
Examples include:
Results vary by company, buyer profile, sales volume, transaction eligibility, and implementation. These case studies nevertheless demonstrate how suppliers can use Resolve Pay to connect buyer purchasing power with faster seller cash flow.
TreviPay, Mondu, and Resolve Pay each serve legitimate but different payment requirements. The practical question is not which platform is universally best. It is which operating model aligns with the seller’s customers, geography, transaction flow, and internal finance resources.
Resolve Pay is a strong fit for North American suppliers that want to:
Resolve Pay brings credit decisioning, non-recourse invoice advances, payment acceptance, reconciliation, and collections support into one platform. Rather than treating financing and accounts receivable as separate problems, it provides a connected credit-to-cash workflow.
For established manufacturers, distributors, wholesalers, and B2B ecommerce sellers in North America, Resolve Pay offers the most directly aligned platform of the three. Its combination of buyer-friendly terms, faster supplier funding, integrated AR automation, and existing-system connectivity supports growth without requiring sellers to manage every stage of the credit and receivables process internally.
Resolve Pay can advance funds against eligible invoices from approved buyers. The advance is non-recourse, which means the funded amount is generally the seller’s to keep if the buyer later defaults. Approval, advance amount, exclusions, and risk allocation remain subject to buyer verification and the merchant’s agreement with Resolve Pay.
Resolve Pay can advance up to 90% of an approved invoice’s value within 24 hours. Actual timing may depend on invoice submission, approval status, banking schedules, verification requirements, and the merchant’s program.
Resolve Pay supports common B2B payment arrangements such as Net 30, Net 45, Net 60, and Net 90, subject to buyer approval and program availability. Sellers can offer qualified buyers additional time to pay while receiving an advance on an eligible invoice.
Resolve Pay supports integrations with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. It also offers APIs, webhooks, and a sandbox environment for businesses requiring custom integrations.
Resolve Pay is designed primarily for established B2B manufacturers, distributors, wholesalers, suppliers, and ecommerce merchants. Businesses typically need at least $1 million in annual B2B revenue and should have recurring invoice-based sales where payment terms, credit risk, cash flow, and receivables administration are important.
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.