Selecting the right B2B payment solution shapes how manufacturers, wholesalers, and distributors manage cash flow and extend credit to buyers. While TreviPay serves as an enterprise-grade payment network and Riviera Finance operates as a traditional invoice factoring company, Resolve Pay delivers an integrated platform combining net terms financing, AI-powered credit decisions, and automated accounts receivable management. Understanding how these three approaches differ helps mid-market B2B sellers choose the solution that matches their growth objectives, operational capacity, and risk tolerance. The Federal Reserve Payments Study tracks changes in noncash payment methods, including checks, ACH, and cards, providing context for evolving business payment workflows.
B2B payment solutions and invoice factoring serve fundamentally different purposes, though both address the working capital challenges that come with offering net payment terms.
Invoice factoring involves selling unpaid invoices to a third party at a discount in exchange for immediate cash. The factor then collects payment directly from your customers. This model has existed for decades and remains popular among businesses needing quick access to working capital without taking on debt.
B2B payment solutions take a broader approach, encompassing net terms financing, credit management, payment processing, and accounts receivable automation. These platforms enable sellers to offer deferred payment terms while maintaining cash flow and managing credit risk through technology rather than traditional banking relationships.
The key distinctions include:
TreviPay operates as a global B2B payments and invoicing network designed for large enterprises with complex payment requirements. The company processes over $7 billion in transactions annually and handles more than 1.5 million invoices each year across 30+ countries.
TreviPay provides omnichannel payment acceptance spanning e-commerce, in-store, mobile, and ERP-to-ERP transactions. TreviPay states that once a customer creates an account, eligible accounts can receive credit decisions in less than 30 seconds, while accounts requiring additional review may be asked for more information. The company also states that sellers can receive guaranteed payment in as little as 48 hours.
Key capabilities include:
TreviPay focuses on enterprise-scale organizations requiring multi-country operations, complex buyer programs with purchasing controls, and omnichannel capabilities. The platform received recognition as an IDC MarketScape Leader for Embedded Payment Applications in 2024-2025.
However, TreviPay's enterprise focus means implementation can require several months and involves custom arrangements that require direct consultation. This positions TreviPay for large organizations with dedicated implementation teams.
Riviera Finance represents the traditional factoring model, providing businesses with immediate cash against outstanding invoices. Founded in 1969, the company brings 55 years of experience to invoice factoring across multiple industries.
Riviera Finance provides full-service, non-recourse invoice factoring. Once a business is established as a client, Riviera verifies eligible invoices and can provide funding within 24 hours after confirming that the customer's product or service has been received and accepted.
Core services include:
Riviera Finance maintains 25+ physical office locations across the US and Canada, emphasizing personal relationships and face-to-face service. The company holds a 4.9/5 rating from 900+ reviews, reflecting strong customer satisfaction with their relationship-driven approach.
Riviera Finance provides online credit checking and states that its FastCredit service can deliver instant online credit approvals for many businesses. Client onboarding and factoring setup timelines depend on the individual account and circumstances. Riviera Finance serves businesses across the US and Canada through a relationship-based factoring model supported by online account management and receivables tools.
Resolve Pay takes a fundamentally different approach, combining net terms financing with AI-powered credit decisions and comprehensive accounts receivable automation. Rather than focusing primarily on purchasing existing receivables, Resolve Pay combines buyer credit approval, eligible invoice advances, and accounts receivable automation to help sellers offer payment terms while reducing covered buyer-default exposure.
Resolve Pay can advance payment on eligible approved invoices, helping sellers access cash sooner rather than waiting through the full payment term. Funding arrives within 1-2 business days, and the non-recourse structure helps reduce seller exposure to covered buyer credit defaults, subject to program terms.
The AI-powered credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Resolve Pay uses AI and other data signals to support fast credit decisioning. Some purchases up to $25,000 may qualify for instant approval, while other credit assessments can require additional review. Resolve Pay also provides streamlined business credit assessments that can return results within 24 business hours.
This speed enables real-time checkout experiences for B2B e-commerce, reducing friction that causes abandoned orders when buyers must wait days for credit approval.
Beyond financing, Resolve Pay automates the entire accounts receivable workflow:
Customers report AR workload reduction of 90% through automation, with Trenchless Supply achieving credit approvals in under 24 hours while substantially reducing manual AR follow-up.
B2B sellers should evaluate payment and financing solutions based on how well they fit existing credit, receivables, payment, and cash flow workflows.
TreviPay uses an enterprise-oriented model built around B2B payments, invoicing, buyer qualification, and settlement. Riviera Finance uses a traditional invoice factoring model centered on financing eligible receivables and managing factored accounts.
Resolve Pay combines net terms, credit decisioning, accounts receivable automation, payments, collections, and invoice financing within a connected platform. For sellers that want these functions working together, Resolve Pay provides competitive solutions alongside an integrated credit-to-cash workflow.
Credit risk represents one of the largest concerns for B2B sellers extending payment terms. Each platform handles this risk differently.
TreviPay provides guaranteed settlement on approved transactions, meaning sellers receive payment regardless of whether the end buyer pays. This transfers credit risk to TreviPay for transactions processed through their network.
Riviera Finance offers non-recourse factoring where the factor assumes risk on qualified invoices. Non-recourse protection typically requires meeting specific qualification requirements.
Resolve Pay's non-recourse model provides reduced credit risk on eligible approved financed invoices. This protection applies to covered buyer credit defaults, allowing sellers to extend competitive terms without maintaining large bad debt reserves.
The practical impact shows in customer results. Elston Materials, a concrete supplier using Resolve Pay, increased margins from 25% to 30% in part by reducing bad debt exposure while confidently extending terms to grow their customer base.
The speed and ease of getting started varies across these three solutions.
TreviPay supports major ERP systems through custom integrations, including XML, EDI, and cXML formats for procurement connectivity. The platform offers REST APIs for developers. However, enterprise implementations can require several months to complete, involving dedicated project teams and significant configuration.
Riviera Finance centers its technology around the factoring and receivables management process. Its services include online account management, automated invoice uploading, credit approvals, payment posting, account alerts, and receivables reporting.
Resolve Pay supports integrations with QuickBooks Online, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, Magento 2, WooCommerce, and other systems. Flexible APIs are also available for custom implementations.
Implementation timing depends on your existing systems and workflow requirements. Resolve Pay supports integrations with major accounting, ERP, and ecommerce platforms, along with flexible APIs that can help businesses connect credit, net terms, payments, and receivables processes.
The role of AI and automation increasingly separates modern B2B payment platforms from traditional approaches.
Resolve Pay's AI credit engine processes thousands of data points per buyer, enabling rapid decisions that would take human underwriters hours or days. This technology advantage compounds across the business:
TreviPay brings enterprise-scale payment technology including omnichannel support, multi-currency processing, and procurement system connectivity. Riviera Finance combines its relationship-based factoring model with online account management, automated receivables tools, and instant credit approval capabilities through FastCredit.
TreviPay represents an enterprise B2B payments and invoicing model, while Riviera Finance provides traditional non-recourse invoice factoring. Resolve Pay takes an integrated approach designed for B2B sellers that want credit decisioning, net terms, invoice financing, accounts receivable automation, payments, and collections connected within the same workflow.
Resolve Pay serves mid-market B2B sellers that:
Companies like Archipelago Lighting demonstrate what's possible: they tripled revenue after adopting Resolve Pay, reduced net terms approval time from 10 days to 24 hours, and expanded the amount of credit they could make available to qualified buyers.
For mid-market manufacturers, wholesalers, and distributors seeking to modernize B2B payment operations, Resolve Pay brings financing, credit decisioning, accounts receivable automation, payments, collections, and integrations into a connected platform designed around B2B sellers.
Implementation timing depends on your existing systems and workflow requirements. Resolve Pay supports integrations with major accounting, ERP, and ecommerce platforms, along with flexible APIs that can help businesses connect credit, net terms, payments, and receivables processes. Most sellers work with Resolve Pay's team to configure integrations, test workflows, and train staff before going live.
Resolve Pay is designed for B2B merchants, manufacturers, wholesalers, distributors, and other sellers that extend payment terms to business buyers. It can support industries where managing buyer credit, receivables, collections, and cash flow is an important part of the sales process, including HVAC, electrical supplies, industrial equipment, medical devices, construction materials, and more.
Resolve Pay uses AI, behavioral signals, financial information, and underwriting expertise to evaluate business buyers. Credit lines and approvals are subject to buyer verification and Resolve Pay's underwriting decisions. Some eligible purchases may qualify for instant approval, while larger transactions may require additional review. The platform evaluates thousands of data points per buyer to support fast, consistent decisions.
Resolve Pay's non-recourse approach integrates credit decisioning before orders ship, approving buyers upfront and providing reduced credit risk on eligible approved financed invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This proactive model helps sellers know before extending terms whether they have protection against covered buyer defaults.
Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite to support connected accounting and receivables workflows. Available synchronization capabilities depend on the specific integration and configuration. Invoice and payment data can flow between systems, helping reduce manual entry and reconciliation work. The platform also supports custom implementations through flexible APIs.
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.