When mid-market B2B suppliers need to offer net payment terms without straining cash flow or taking on credit risk, choosing the right payment platform becomes a critical business decision. Two options that frequently enter the conversation, TreviPay and Pastpay, represent different approaches to B2B payments, with TreviPay focusing on enterprise-scale global operations and Pastpay targeting European B2B commerce. However, for US-focused manufacturers, distributors, and wholesalers seeking to improve cash-flow timing and reduce covered buyer credit risk, Resolve Pay offers a third path that combines integrated credit-to-cash capabilities with supplier-focused implementation.
TreviPay positions itself as an enterprise-grade B2B payments and credit management platform with over 40 years of experience since its founding in 1980. The company has built significant scale serving buying and selling entities globally with multi-currency capabilities and deep ERP integrations including SAP, Oracle, and NetSuite. TreviPay's approach centers on complex global operations supporting businesses across multiple countries with localized payment methods.
Pastpay takes a different approach as a European B2B buy-now-pay-later provider founded in 2019. The company operates as a regulated financial institution under the National Bank of Hungary, focusing on European webshop integration with support for multiple currencies across the EU market. Pastpay provides merchants with payment after qualifying order fulfillment, with 15-to-90-day payment options for business buyers.
Resolve Pay represents a fundamentally different model, purpose-built for US-focused mid-market B2B suppliers who need net terms financing without complexity. Founded in 2018 as a spinout from Affirm, Resolve Pay serves established businesses with a platform that combines credit decisioning, AR automation, and invoice financing in a single solution. The key difference lies in the integrated approach, where eligible Resolve Pay transactions can receive non-recourse advances, subject to buyer approval, invoice validity, verification, and applicable program terms, allowing merchants to receive working capital rather than waiting until the buyer's due date.
TreviPay delivers comprehensive B2B payment infrastructure designed for enterprise complexity, offering net terms financing with 15-90 day configurable payment windows, credit decisioning capabilities, full order-to-cash automation, multi-channel payment acceptance including cards, ACH, wire, and direct debit, global payment rails across multiple countries, deep ERP integration with numerous systems, and dealer network management for complex multi-entity structures.
This comprehensive approach serves enterprises with global operations and complex organizational structures requiring extensive customization.
Pastpay focuses on streamlined B2B buy-now-pay-later for European e-commerce, providing flexible payment terms spanning 15-90 days, merchant payouts after qualifying order fulfillment, buyer verification at checkout, webshop integrations with WooCommerce, Magento, Shoprenter, and Prestashop, multi-currency support across European markets, and API-driven implementation.
Resolve Pay combines targeted capabilities that address the core challenges facing mid-market B2B suppliers:
The critical difference lies in Resolve Pay's integrated approach, where credit decisioning, financing, AR automation, and collections work together in one platform rather than requiring multiple vendor relationships.
TreviPay primarily serves enterprise organizations with global operations across multiple countries, businesses with complex multi-entity dealer or distributor networks, organizations requiring deep SAP, Oracle, or NetSuite integration, and companies in manufacturing, transportation, and industrial sectors.
Pastpay primarily serves European B2B merchants, e-commerce businesses needing webshop integration, companies focused on EU markets, and merchants seeking straightforward buy-now-pay-later functionality.
Resolve Pay primarily serves mid-market B2B suppliers with revenue between $1M and $100M, US-focused manufacturers, distributors, and wholesalers, companies in HVAC, electrical, plumbing, industrial equipment, and medical supplies, businesses seeking to improve working capital access, and organizations needing rapid deployment.
TreviPay showcases operations serving numerous sellers and buyers globally with multi-currency transaction processing and international reach. The platform provides businesses with managed payments, invoicing, trade credit, risk management, and receivables services designed for enterprise-scale deployment.
Pastpay demonstrates growth in its target European market with merchant customers across the region processing business-to-business transactions with buyer verification and order fulfillment workflows. The platform serves European e-commerce businesses requiring buy-now-pay-later functionality.
Resolve Pay delivers measurable impact for mid-market suppliers. The platform serves thousands of businesses with connected credit-to-cash workflows. Certain applications can receive rapid credit decisions, while cases requiring more information or verification may take longer. Eligible merchants may receive an advance on approved invoices rather than waiting until the buyer's due date.
Notable client outcomes include (results vary by merchant and are not guaranteed):
These outcomes demonstrate how integrated credit-to-cash platforms can support supplier growth in competitive markets.
TreviPay's methodology centers on comprehensive enterprise deployment with discovery and scoping processes, integration with existing ERP and payment infrastructure, multi-team coordination across numerous potential integrations, and full order-to-cash automation. This approach delivers results for enterprises with complex global requirements.
Pastpay's methodology emphasizes webshop integration with API-driven implementation, focus on checkout integration, and European market optimization.
Resolve Pay's methodology prioritizes integrated value delivery with native integrations for Shopify, BigCommerce, Magento, WooCommerce, two-way ERP sync with QuickBooks, Xero, Sage Intacct, and NetSuite, and REST API with webhooks for custom integrations. The exact launch timeline depends on the merchant's platform, technical configuration, commercial agreement, and readiness.
The execution philosophy difference is clear: TreviPay builds enterprise payment infrastructure for global operations, Pastpay delivers European buy-now-pay-later functionality, while Resolve Pay provides integrated credit-to-cash workflows for US mid-market suppliers.
TreviPay's market presence reflects its enterprise focus with decades in B2B payments, substantial transaction volume, multi-country coverage with localized payment methods, deep enterprise ERP partnerships, and expertise in manufacturing and transportation sectors.
Pastpay's market presence centers on the European B2B buy-now-pay-later market with regulatory status under the National Bank of Hungary, webshop integration ecosystem, and EU market focus since 2019.
Resolve Pay's market presence demonstrates traction with thousands of active merchants, expertise from leadership with backgrounds at major fintech and e-commerce companies, and a strong agency partner network including Hammer Commerce, MAK Digital, and Trellis.
For mid-market US suppliers, Resolve Pay's focused expertise in American B2B payment workflows provides strategic alignment. According to Federal Reserve payment research, B2B payment terms remain a critical component of commercial relationships, with suppliers balancing competitive pressure to offer terms against working capital needs.
Mid-market B2B suppliers face unique challenges that make Resolve Pay's integrated approach particularly relevant. These companies require working capital access, credit risk management, and operational efficiency without enterprise-level complexity.
For mid-market B2B suppliers seeking to improve working capital access while offering competitive payment terms, Resolve Pay represents an integrated approach to B2B payment partnership. The combination of specialized expertise, connected workflows, and supplier-focused implementation creates value that alternatives designed for different markets or scales cannot match.
Mid-market B2B suppliers operating in the $1M to $100M revenue range face distinct challenges compared to enterprise-scale global manufacturers or European e-commerce merchants. These established businesses have achieved product-market fit and built customer relationships but need financial tools that support growth without adding operational complexity.
Resolve Pay addresses this need through an integrated platform approach. Rather than assembling separate solutions for credit checking, invoice factoring, AR automation, and collections, suppliers access connected workflows where each component shares data and coordinates action. When a new buyer requests terms, the business credit check evaluates creditworthiness. Upon approval, terms are set, invoices are generated, and if the supplier chooses, an advance can be requested on eligible transactions.
This integration matters because mid-market suppliers typically operate with lean finance teams. According to Investopedia analysis of business financing, managing multiple vendor relationships for credit, financing, and collections creates coordination overhead that diverts resources from growth initiatives.
The non-recourse protection on eligible transactions, subject to buyer approval, invoice validity, verification, and applicable program terms, provides risk management that enables aggressive competitive positioning. Suppliers can offer attractive payment terms knowing that qualifying approved invoices receive coverage against buyer default.
For US-focused manufacturers, distributors, and wholesalers in sectors like HVAC, electrical supplies, plumbing, industrial equipment, and medical supplies, Resolve Pay's specialization in American B2B commerce provides advantages. The platform's underwriting models incorporate US-specific business data, payment processing works with American banking rails, and the buyer network consists of US businesses.
The exact implementation timeline depends on each merchant's platform, technical configuration, commercial agreement, and readiness, but the platform's native integrations with major e-commerce platforms and ERP systems reduce technical barriers compared to enterprise solutions requiring extensive customization.
Resolve Pay serves US-focused mid-market B2B suppliers between $1M and $100M in revenue who have achieved product-market fit and need to improve working capital access while offering competitive payment terms. The platform works well for manufacturers, distributors, and wholesalers in HVAC distribution, electrical supplies, plumbing, industrial equipment, and medical supplies. These companies benefit from the integrated credit-to-cash approach where credit decisioning, AR automation, invoice advances, and collections workflows operate in a single platform. Eligible transactions can receive non-recourse advances, subject to buyer approval, invoice validity, verification, and applicable program terms, allowing suppliers to extend terms with greater confidence.
Resolve Pay's AI credit engine evaluates buyer creditworthiness by analyzing business data including payment history, cash flow indicators, and behavioral signals. Certain applications can receive rapid decisions, while cases requiring more information or verification may take longer. The underwriting process determines appropriate credit limits and payment terms (Net 30, 60, or 90 days) based on the buyer's financial profile. Once approved, these terms integrate directly with invoice generation and AR workflows, eliminating manual coordination between systems.
Non-recourse protection means that for eligible Resolve Pay transactions, the supplier receives coverage against buyer default, subject to buyer approval, invoice validity, verification, and applicable program terms. When a qualifying invoice is approved and advanced, the supplier is not required to repay the advance if the approved buyer fails to pay due to insolvency or credit issues covered under the program. This protection is distinct from traditional invoice factoring where the seller typically remains liable if the buyer doesn't pay. The coverage enables suppliers to extend payment terms more aggressively while managing balance sheet risk.
Resolve Pay may provide an advance on an approved invoice, with availability and amounts determined by underwriting, verification, and program conditions. When an eligible merchant submits an approved invoice for advance, the timing depends on banking processes, verification requirements, and the specific transaction. This capability means eligible merchants may receive working capital rather than waiting until the buyer's due date, which in net terms arrangements typically ranges from 30 to 90 days. The exact funding timeline varies based on transaction specifics and program terms.
Resolve Pay offers native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento, and WooCommerce, along with two-way ERP sync for QuickBooks, Xero, Sage Intacct, and NetSuite. The platform also provides a REST API with webhooks for custom integrations. These connections enable automatic invoice generation, payment reconciliation, and AR data synchronization. The exact launch timeline depends on the merchant's platform, technical configuration, commercial agreement, and readiness, with simpler configurations deploying faster than complex custom implementations.
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.