Aug 06, 2026
When B2B sellers need to offer net payment terms while maintaining healthy cash flow, choosing the right B2B payment solution becomes a critical business decision. Two established players, TreviPay and NOWaccount, represent fundamentally different approaches to solving the accounts receivable challenge. TreviPay operates as an enterprise-focused global payment network with extensive omnichannel capabilities, while NOWaccount provides approved-invoice acceleration primarily for B2B and government contractors. However, a third option, Resolve Pay, offers a modern, integrated platform that combines net terms, buyer credit assessment, invoice advance payments, accounts receivable automation, payment processing, and collections workflows. This comparison explores how Resolve Pay delivers comprehensive solutions for mid-market manufacturers, distributors, and wholesalers seeking to scale their net terms programs.
Key Takeaways
- Resolve Pay's integrated platform combines credit decisioning, net terms financing, AR automation, and intelligent collections in a single solution for mid-market B2B sellers.
- Some ecommerce purchases may receive instant credit decisions through Resolve Pay's AI-powered credit engine, while other business credit assessments may require additional review depending on complexity and verification needs.
- Approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs, with non-recourse protection on approved buyers.
- Resolve Pay offers native integrations with popular ecommerce platforms (Shopify, BigCommerce, WooCommerce, Magento) and accounting systems (QuickBooks Online, Xero, Sage Intacct, NetSuite).
- AI-powered collections workflows automate routine follow-up tasks, helping teams focus on exceptions rather than manual payment reminders.
- For mid-market B2B companies, offering net terms increases average order values, improves customer loyalty, and creates competitive differentiation without straining cash flow when paired with the right financing partner.
Understanding Each Company's Core Positioning
TreviPay
TreviPay positions itself as an enterprise-grade B2B payment network, founded in 1978 and headquartered in Overland Park, Kansas. With decades of experience serving large corporations, TreviPay has built its reputation on comprehensive omnichannel capabilities spanning EDI, POS systems, dealer networks, and digital commerce. The company operates across multiple countries with multi-currency support, making it a natural fit for multinational enterprises with complex global operations.
NOWaccount
NOWaccount takes a more focused approach. Co-founded by Stacey Abrams in 2010 and based in Atlanta, NOWaccount specializes in approved-invoice acceleration for B2B and B2G (business-to-government) transactions. Rather than offering a comprehensive net terms platform, NOWaccount can operate without requiring businesses to replace their existing customer billing process. The company enables businesses to choose which specific invoices to accelerate, maintaining existing customer relationships.
Resolve Pay
Resolve Pay represents the modern evolution of B2B payments. Spun out from Affirm in 2018 and built by former executives from Affirm, PayPal, and Amazon, Resolve brings consumer-grade fintech innovation to the B2B space. The platform serves mid-market companies with an integrated solution combining net terms financing, AI-powered credit decisioning, AR automation, and intelligent collections, all accessible without enterprise-level budgets or lengthy implementation timelines.
The fundamental difference lies in philosophy: TreviPay builds enterprise payment infrastructure, NOWaccount accelerates select invoices, while Resolve Pay delivers a complete net terms platform designed for mid-market growth.
Service Offerings Show Distinct Strategic Focuses
TreviPay's Service Portfolio
TreviPay offers comprehensive enterprise capabilities:
- Global payment network spanning multiple countries
- Multi-currency and multi-language support
- Omnichannel credit programs (EDI, POS, dealer networks, ecommerce)
- Managed collections services
- AR automation for enterprise accounts
- Complex buyer network management
- Fraud prevention and risk management
This comprehensive approach serves multinational enterprises requiring global coverage and complex integration requirements.
NOWaccount's Service Approach
NOWaccount focuses on selective acceleration:
- Choose which invoices to fund on a case-by-case basis
- Operations that can work within existing customer billing processes
- Non-recourse protection on approved invoices
- B2G (government contractor) specialization
- Basic QuickBooks integration
- REST API for custom connections
The selective model provides flexibility for businesses that prefer manual decision-making for each invoice.
Resolve Pay's Integrated Platform
Resolve Pay delivers a complete net terms management solution:
- Net Terms Financing: Offer Net 30, 60, or 90 terms with non-recourse protection. Approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs, with funding timelines that support healthy cash flow.
- AI Credit Engine: Proprietary technology evaluating thousands of buyer data points. Some ecommerce purchases may receive instant decisions, while other business credit checks may require additional review depending on complexity and verification needs.
- AR Automation: Complete lifecycle management including invoice generation, payment reminders, and reconciliation.
- Intelligent Collections: AI-powered collections workflows that automate routine follow-up and help teams focus on exceptions.
- White-Label Payment Portal: Branded buyer experience accepting ACH, wire, credit card, and check payments.
- Native Ecommerce Integration: Shopify, BigCommerce, WooCommerce, and Magento connections.
Implementation timing should be scoped around the merchant's integrations and workflows. According to the U.S. Census Bureau’s e-commerce statistics, electronic commerce represents a substantial share of activity across manufacturing, wholesale, retail, and service sectors, increasing the importance of integrated digital payment and financing processes.
Target Customers Reveal Strategic Alignment Differences
TreviPay's Ideal Customer
TreviPay primarily serves large enterprises:
- Fortune 500 companies with complex B2B programs
- Multinational operations requiring global coverage
- Organizations with existing EDI and dealer management systems
- Companies processing high volumes across multiple channels
- Businesses with dedicated implementation teams and resources
NOWaccount's Target Market
NOWaccount focuses on specific use cases:
- B2B companies needing selective invoice acceleration
- Government contractors (B2G specialization)
- Businesses preferring manual invoice-by-invoice decisions
- Companies seeking flexibility in which transactions to accelerate
- Organizations with simpler integration requirements
Resolve Pay's Sweet Spot
Resolve Pay targets growth-oriented mid-market companies:
- Manufacturers, distributors, and wholesalers
- HVAC, electrical, plumbing, and industrial supply businesses
- Companies seeking to offer competitive net terms without cash flow strain
- Organizations wanting automation without enterprise complexity
- Businesses valuing streamlined implementation and transparent operations
This distinction matters significantly. Growing B2B companies often need strategic automation and efficient execution rather than global infrastructure or manual invoice selection. Resolve Pay's model addresses these mid-market needs.
Results and Implementation Considerations
Different platforms deliver value on different timelines and through different approaches.
TreviPay's Enterprise Results
TreviPay highlights large-scale achievements for its enterprise customers, including global payment network coverage and managed collections support. Implementation requirements depend on program scope, systems, markets, and configuration, with enterprise deployments typically involving substantial planning and coordination phases.
NOWaccount's Acceleration Outcomes
NOWaccount emphasizes cash flow improvements for businesses using its selective acceleration model. The company highlights customer growth stories and non-recourse protection on approved invoices. Implementation requirements depend on program scope, systems, markets, and configuration.
Resolve Pay's Rapid Impact
Resolve Pay delivers measurable results across diverse mid-market segments:
- ConEquip achieved 30% year-over-year growth
- SS&SI Dealer Network saw 5x revenue growth
- Archipelago Lighting tripled revenue and reduced credit approval time from 10 days to 24 hours
- Trenchless Supply significantly reduced AR workload with credit approvals under 24 hours
- Elston Materials increased margins from 25% to 30%
Implementation timing should be scoped around the merchant's integrations and workflows, with many mid-market companies achieving meaningful outcomes within weeks of deployment.
How Accounts Receivable Financing and Risk Management Work
Understanding how each platform handles financing and risk reveals important differences for sellers.
Traditional Factoring vs. Modern Platforms
Traditional invoice factoring typically involves:
- Selling invoices at a discount to a third party
- Recourse arrangements where sellers retain default risk
- Customer notification that can affect relationships
- Manual processes and slower funding timelines
TreviPay's Enterprise Approach
TreviPay offers funded programs with non-recourse options for approved transactions, advance rates negotiated based on program specifics, and managed risk assessment and collections as part of its enterprise service package.
NOWaccount's Selective Model
NOWaccount provides non-recourse financing on approved invoices, with operations that can work within existing customer billing processes and invoice-by-invoice funding decisions.
Resolve Pay's Non-Recourse Innovation
Resolve Pay delivers comprehensive protection:
- 100% non-recourse financing: Resolve bears the credit risk if approved customers don't pay
- High advance rates: Approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs
- Fast funding: Funding timelines that support healthy cash flow
- White-label experience: Preserving customer relationships
- Quiet pre-approval checks: May be available using basic business information
This non-recourse structure represents a fundamental advantage. With Resolve Pay, sellers can confidently extend net terms knowing they're protected from buyer default on approved transactions. The Federal Reserve reports that credit risk management remains a top concern for B2B sellers, making non-recourse protection increasingly valuable.
The Role of AI in B2B Credit and Collections
Modern B2B payment platforms increasingly leverage artificial intelligence to automate traditionally manual processes.
Manual Credit Assessment Challenges
Traditional approaches to business credit checks involve:
- Extended periods gathering trade references and documentation
- Spreadsheet-based tracking and analysis
- Inconsistent decision criteria
- Limited data visibility
- Staff time diverted from revenue-generating activities
TreviPay's Credit Capabilities
TreviPay offers real-time credit decisions for qualifying transactions, enterprise-grade risk assessment, managed credit programs, and integration with dealer management systems as part of its platform.
NOWaccount's Review Process
NOWaccount uses customer and invoice review for each transaction, with selective approval based on specific criteria and decision-making requirements for each funding request.
Resolve Pay's AI-Powered Intelligence
Resolve Pay's AI Credit Engine transforms credit management:
- Rapid decisions: Some ecommerce purchases may receive instant decisions, while other business credit assessments may require additional review depending on complexity and verification needs
- Comprehensive evaluation: Analysis of thousands of buyer data points including cash flow trends and payment history
- Dynamic credit lines: Adjustment based on performance
- Quiet credit checks: Quiet pre-approval checks may be available using basic business information
- Instant approvals: Streamlined processing for qualifying transactions
For collections, Resolve Pay's intelligent collections system provides:
- AI-powered collections workflows that automate routine follow-up
- Intelligent escalation based on buyer response
- Automatic pause when payment or dispute received
- Professional tone preserving customer relationships
- Significant reduction in manual AR work
This AI-powered approach means sellers can scale their net terms programs without proportionally scaling their AR teams. According to the Consumer Financial Protection Bureau, debt-collection communications should avoid harassment, misleading representations, and unfair practices while providing appropriate information about outstanding debts.
Integration Ecosystem and Implementation Speed
The ability to connect with existing systems significantly impacts time-to-value.
TreviPay's Enterprise Integrations
TreviPay offers extensive connectivity:
- Major ERP systems (SAP, Oracle, Microsoft Dynamics)
- Dealer management systems and CRM platforms
- EDI connections for large-scale B2B
- Comprehensive API capabilities
Implementation requirements depend on program scope, systems, markets, and configuration, with enterprise deployments typically involving substantial planning and coordination phases.
NOWaccount's Focused Connections
NOWaccount provides:
- QuickBooks Online integration
- REST API for custom development
- Accounting-focused connectivity
Implementation requirements depend on program scope, systems, markets, and configuration.
Resolve Pay's Native Integrations
Resolve Pay delivers seamless connectivity:
- Ecommerce: Shopify, BigCommerce, Magento 2, WooCommerce
- Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
- Payments: Multiple payment rail options for global processing
- API: REST API with webhooks for custom integrations
Integration and synchronization behavior varies by platform and configuration, with certain actions behaving differently depending on the specific integration. Implementation timing should be scoped around the merchant's integrations and workflows.
Resolve Pay's approach to B2B ecommerce integration enables embedded net terms checkout, allowing buyers to apply for and use credit directly during the purchasing process. This capability drives larger orders and repeat business, particularly important as B2B commerce increasingly mirrors B2C shopping experiences.
Key Considerations When Choosing a B2B Payment Partner
Several factors should guide the decision between these platforms.
Assessing Your Business Needs
Consider the following questions:
- Scale: Do you need global multi-currency support, or primarily US-based operations?
- Speed: What implementation timeline aligns with your business goals?
- Automation: Do you want selective manual invoice decisions, or comprehensive AR automation?
- Integration: Do you need EDI/POS capabilities, or ecommerce and accounting connections?
- Resources: What level of internal resources can you dedicate to implementation and ongoing management?
Evaluating Total Cost of Ownership
Beyond transaction considerations, evaluate:
- Implementation time and internal resource requirements
- Opportunity cost of delayed ROI
- Ongoing maintenance and support needs
- Scalability as your business grows
The Federal Reserve's research on small business credit shows that access to flexible working capital significantly impacts growth potential, making the choice of payment partner a strategic decision.
Why Resolve Pay Delivers Comprehensive Value for Growing B2B Companies
Mid-market B2B sellers (manufacturers, distributors, and wholesalers) face unique challenges that make Resolve Pay a compelling choice.
Resolve Pay offers key advantages:
- Integrated platform: Combines credit decisioning, net terms financing, AR automation, and intelligent collections in a single solution, eliminating the need for multiple vendors.
- AI-powered automation: Reduces manual AR work significantly while delivering rapid credit decisions for qualifying transactions.
- High advance rates: Approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs, improving seller cash flow.
- Non-recourse protection: Assumes credit risk on approved buyers, protecting sellers from default.
- Proven results: Customers like Archipelago Lighting have tripled revenue, while Trenchless Supply significantly reduced AR workload.
- Implementation efficiency: Implementation timing should be scoped around the merchant's integrations and workflows, with many mid-market companies achieving rapid deployment.
For B2B companies seeking to offer competitive net terms, accelerate cash flow, and automate accounts receivable, Resolve Pay represents a modern approach to B2B payments. The combination of technology, comprehensive functionality, and focus on mid-market needs creates a compelling value proposition for growing businesses.
Frequently Asked Questions
What is the main difference between TreviPay and NOWaccount?
TreviPay operates as an enterprise-grade global payment network serving large corporations with comprehensive omnichannel capabilities spanning EDI, POS, dealer networks, and digital commerce across multiple countries. NOWaccount focuses on approved-invoice acceleration, allowing businesses to choose specific invoices to fund. The fundamental difference lies in scope: TreviPay provides full enterprise infrastructure, while NOWaccount offers targeted cash flow acceleration. Resolve Pay bridges this gap by delivering a complete net terms platform with AI-powered automation designed for mid-market companies, combining credit decisioning, financing, AR automation, and collections in a single integrated solution.
How does a B2B payment solution like Resolve compare to traditional invoice factoring?
Traditional invoice factoring typically involves selling invoices at a discount with recourse arrangements where sellers retain default risk, customer notification requirements, and manual processing delays. Resolve Pay offers a fundamentally different approach: non-recourse financing where Resolve bears the credit risk on approved buyers, high advance rates (approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs), white-label experiences preserving customer relationships, and AI-powered automation that significantly reduces manual work. Unlike factoring, Resolve's integrated platform combines credit decisioning, net terms financing, AR automation, and intelligent collections in a single solution.
Can B2B payment platforms integrate with my existing ERP or accounting software?
Integration capabilities vary significantly across platforms. TreviPay offers extensive enterprise connectivity including major ERPs, dealer management systems, and EDI. NOWaccount provides QuickBooks integration and REST API capabilities. Resolve Pay offers native integrations with popular systems including Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Integration and synchronization behavior varies by platform and configuration. Implementation timing should be scoped around the merchant's integrations and workflows, with many Resolve implementations achieving rapid connectivity to existing business systems.
What are the benefits of offering net terms to business buyers?
Offering net payment terms (Net 30, 60, or 90) creates significant competitive advantages: larger average order values as buyers purchase more when payment is deferred, increased customer loyalty and repeat business, ability to compete with larger competitors offering terms, and differentiation in crowded markets. The challenge has traditionally been the cash flow impact of waiting 30-90 days for payment. Solutions like Resolve Pay solve this by providing high advance rates (approved invoices may qualify for advances up to the approved portion, including up to 100% in applicable programs) with fast funding timelines while assuming credit risk on approved buyers, allowing sellers to offer competitive terms without cash flow strain.
How do B2B payment solutions handle credit risk and collections?
Risk management approaches differ across platforms. TreviPay offers managed collections services and enterprise risk assessment for large programs. NOWaccount provides non-recourse protection on approved invoices with selective funding decisions. Resolve Pay delivers comprehensive protection through its AI Credit Engine evaluating thousands of data points for credit decisions (some ecommerce purchases may receive instant decisions, while other business credit assessments may require additional review), 100% non-recourse financing on approved transactions, and intelligent collections using AI-powered workflows to manage follow-ups professionally while preserving customer relationships, significantly reducing manual AR work.
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.
