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.
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 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 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.
TreviPay offers comprehensive enterprise capabilities:
This comprehensive approach serves multinational enterprises requiring global coverage and complex integration requirements.
NOWaccount focuses on selective acceleration:
The selective model provides flexibility for businesses that prefer manual decision-making for each invoice.
Resolve Pay delivers a complete net terms management solution:
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.
TreviPay primarily serves large enterprises:
NOWaccount focuses on specific use cases:
Resolve Pay targets growth-oriented mid-market companies:
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.
Different platforms deliver value on different timelines and through different approaches.
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 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 delivers measurable results across diverse mid-market segments:
Implementation timing should be scoped around the merchant's integrations and workflows, with many mid-market companies achieving meaningful outcomes within weeks of deployment.
Understanding how each platform handles financing and risk reveals important differences for sellers.
Traditional invoice factoring typically involves:
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 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 delivers comprehensive protection:
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.
Modern B2B payment platforms increasingly leverage artificial intelligence to automate traditionally manual processes.
Traditional approaches to business credit checks involve:
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 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 Credit Engine transforms credit management:
For collections, Resolve Pay's intelligent collections system provides:
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.
The ability to connect with existing systems significantly impacts time-to-value.
TreviPay offers extensive connectivity:
Implementation requirements depend on program scope, systems, markets, and configuration, with enterprise deployments typically involving substantial planning and coordination phases.
NOWaccount provides:
Implementation requirements depend on program scope, systems, markets, and configuration.
Resolve Pay delivers seamless connectivity:
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.
Several factors should guide the decision between these platforms.
Consider the following questions:
Beyond transaction considerations, evaluate:
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.
Mid-market B2B sellers (manufacturers, distributors, and wholesalers) face unique challenges that make Resolve Pay a compelling choice.
Resolve Pay offers key advantages:
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.
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.
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.
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.
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.
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.