When B2B sellers compare TreviPay and Terms.Tech, they are evaluating two different approaches to trade credit and payment operations. TreviPay provides enterprise-oriented B2B payment infrastructure, managed accounts receivable services, and support for international programs. Terms.Tech focuses on deferred B2B payments for ecommerce businesses, marketplaces, and payment service providers in the European Economic Area and Switzerland. For U.S. manufacturers, distributors, wholesalers, and other mid-market sellers, Resolve Pay offers a third approach through its B2B net terms platform, combining buyer credit decisions, approved invoice advances, payment workflows, and accounts receivable automation.
B2B payment platforms can support several related functions, including trade credit, invoicing, payment acceptance, collections, reconciliation, and working capital. However, platforms differ in the customers they serve and the extent to which they combine these functions.
The Federal Reserve’s trade credit data shows that trade receivables and payables remain significant components of business finance. Sellers therefore need systems that can support buyer payment flexibility without creating excessive administrative work or unpredictable cash flow.
TreviPay operates as an enterprise B2B payments and accounts receivable platform. Its services include managed invoicing, buyer onboarding, credit and risk management, collections, payment processing, and support for international B2B programs.
Its operating model is generally aligned with organizations that need:
TreviPay’s infrastructure is designed for complex enterprise programs that may involve multiple business units, countries, currencies, and buyer groups.
Terms.Tech is a Europe-focused B2B deferred-payment provider. It promotes payment-term solutions for ecommerce merchants, marketplaces, and payment service providers operating across the European Economic Area and Switzerland.
Its model includes:
Terms.Tech is primarily positioned around European B2B ecommerce and marketplace transactions rather than comprehensive U.S. receivables management.
Resolve Pay helps merchants offer flexible payment terms while improving cash flow and reducing the operational burden associated with business credit. It combines credit management, approved invoice advances, payment acceptance, accounts receivable workflows, and collections automation.
Resolve Pay is particularly relevant for manufacturers, wholesalers, distributors, and other B2B sellers that want to:
Resolve Pay generally works with established B2B sellers meeting its merchant eligibility requirements. Buyer approvals, credit limits, advance rates, and payment terms remain subject to verification and underwriting.
All three platforms address the gap between the date a seller delivers goods or services and the date a business buyer pays. Their structures, however, reflect different operating priorities.
TreviPay supports enterprise programs through:
Terms.Tech supports European transactions through:
Resolve Pay supports seller cash flow through:
Resolve Pay may advance up to the approved portion of a qualifying invoice, with some transactions eligible for up to the full invoice value. Because approvals and advance structures depend on the buyer and transaction, sellers should not assume that every invoice receives the same treatment.
The practical advantage is that the seller does not always need to wait until the buyer’s due date to access cash from an approved invoice. Buyers can retain agreed payment terms while the seller uses earlier funds for inventory, payroll, fulfillment, or other operating needs.
The Federal Reserve’s payments research notes that customer payments are a primary source of business cash and that timely collection is critical to cash flow. A platform that connects payment terms with approved invoice advances can help reduce the tension between buyer flexibility and seller liquidity.
TreviPay combines technology, managed services, and credit expertise to support enterprise buyer programs. Its underwriting and program configuration may be adapted to the needs of each enterprise relationship.
Terms.Tech performs buyer assessments for supported European transactions and assumes agreed collection responsibilities under its payment model. Its regional focus shapes its underwriting, payment, and compliance processes.
Both companies can be relevant in their intended markets, but their credit workflows should not be assumed to have universal approval speeds, credit limits, or implementation requirements. These details vary by merchant, buyer, program, and transaction.
Resolve Pay uses AI-powered models, business data, behavioral signals, and human credit expertise to evaluate buyers. Sellers can initiate a business credit check using basic company information, reducing the need to request lengthy paperwork at the beginning of every buyer relationship.
Resolve Pay’s credit capabilities include:
Some ecommerce purchases may qualify for instant decisions, while other credit assessments can require additional review. Credit limits are not guaranteed and remain subject to Resolve Pay’s discretion, buyer verification, and current risk information.
When Resolve Pay approves a non-recourse advance, the seller is protected from qualifying buyer credit risk under the applicable agreement. This does not mean that every invoice submitted to Resolve Pay is automatically approved or advanced.
TreviPay provides enterprise accounts receivable automation and managed services that can support buyer onboarding, invoicing, collections, reconciliation, and order-to-cash operations.
This approach may align with organizations seeking a managed enterprise program that spans several sales channels, systems, locations, or countries. The exact responsibilities retained by the merchant depend on the contracted program.
Terms.Tech is centered on B2B payment terms, merchant payouts, buyer risk, and collections for supported European transactions. Its marketplace and PSP integrations allow deferred-payment options to be embedded into partner payment experiences.
It should not automatically be described as a complete replacement for every invoicing, reconciliation, or accounts receivable system used by a merchant. Its operational role depends on the integration and commercial arrangement.
Resolve Pay offers accounts receivable automation for sellers that want to improve existing finance operations rather than assemble separate systems for credit, invoicing, payments, and collections.
Its platform supports:
Resolve Pay accepts ACH, wire transfers, credit cards, and checks through a branded payment portal. This gives buyers several ways to pay while allowing the seller to maintain a consistent customer experience.
Automation can reduce repetitive tasks, but outcomes differ by invoice volume, existing workflows, integration quality, and internal adoption. Claims about workload reductions should therefore be treated as customer-specific results rather than guaranteed performance for every merchant.
TreviPay connects enterprise payment and invoicing programs across ecommerce sites, physical locations, sales representatives, and ERP environments. The implementation scope varies based on the number of channels, countries, buyer groups, workflows, and custom systems involved.
It is inaccurate to apply one universal deployment timeline to every TreviPay customer. A complex multinational rollout may require significant planning, but a smaller or more standardized implementation may follow a different schedule.
Terms.Tech offers API and white-label capabilities for ecommerce businesses, marketplaces, and payment service providers. Implementation requirements depend on the partner platform, checkout design, risk workflow, and geographic coverage.
A specific implementation time should not be promised without a scoped plan from Terms.Tech.
Resolve Pay connects with widely used ecommerce, accounting, and ERP platforms through its integration infrastructure.
Supported systems include:
Resolve Pay also provides a flexible REST API for custom ERP, order management, ecommerce, and payment workflows. Its ERP integration guide explains how invoice and transaction information can move between Resolve Pay and connected systems.
Integration behavior can differ by platform. For example, merchants using both an ERP and an ecommerce platform may need to merge duplicate invoice records. Certain actions may also sync differently depending on the commerce connector, so implementation should include configuration and testing rather than relying on a universal launch-time promise.
Resolve Pay’s NetSuite integration can connect customer and invoice information with receivables, payment, and collection workflows. Its ecommerce integrations can add payment-term options to support buyer journeys while maintaining connected financial records.
B2B net terms and consumer buy now, pay later products both delay payment, but they serve different transactions and relationships.
The Consumer Financial Protection Bureau describes consumer BNPL as typically involving a short series of installment payments for retail purchases. Its BNPL market report focuses on consumer lending rather than commercial trade credit.
B2B net terms commonly involve:
Resolve Pay was created after its founders worked on the B2B side of Affirm. The company was spun out in 2018 to focus specifically on business payment and operational challenges. That history informs its embedded approach, but Resolve Pay operates as a B2B payments and net terms platform rather than a consumer installment product.
Resolve Pay is designed for sellers that want to extend buyer purchasing power without building an internal credit department or waiting through the entire payment term for every approved invoice.
It brings several connected capabilities into one system:
Resolve Pay also serves businesses across ecommerce, traditional sales, field-sales, marketplace, and hybrid transaction models. This allows sellers to apply a more consistent credit and receivables strategy across channels instead of restricting payment terms to a single marketplace or checkout.
Published customer stories show how individual businesses have used Resolve Pay to support larger orders, seasonal demand, working capital, and receivables operations. For example, Archipelago’s growth story describes revenue growth after implementing Resolve Pay, while Lift Foils’ experience focuses on supporting preseason orders without adding the same level of seller risk. These outcomes are specific to those businesses and are not guarantees of future results.
TreviPay and Terms.Tech address valid B2B payment needs within different markets. TreviPay is oriented toward enterprise payment programs, managed accounts receivable, and international operations. Terms.Tech focuses on European B2B deferred payments for ecommerce businesses, marketplaces, and payment service providers.
Resolve Pay is built around the operational needs of growing B2B sellers that want to offer payment terms, improve cash flow, automate receivables, and reduce credit exposure through one connected platform. Its combination of buyer credit decisioning, qualifying non-recourse advances, accounts receivable automation, payment acceptance, collections, and system integrations makes it a strong Resolve Pay-focused solution for manufacturers, wholesalers, distributors, and other established B2B merchants.
Resolve Pay evaluates eligible business buyers, establishes approved credit terms, manages associated payment workflows, and may provide non-recourse advances on qualifying invoices. This allows buyers to receive additional time to pay while helping sellers access cash earlier.
Resolve Pay describes its cash advances as non-recourse under the applicable agreement. However, invoices, buyers, credit limits, and advance amounts remain subject to approval, verification, eligibility requirements, and contractual terms.
Resolve Pay supports common B2B structures such as Net 30, Net 60, and Net 90, along with other approved or customized terms. Available terms depend on the merchant program, buyer assessment, and transaction.
Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. It also provides API options for custom ERP, ecommerce, order management, and payment workflows.
No. Resolve Pay can support ecommerce, invoiced sales, field-sales transactions, marketplaces, traditional sales, and hybrid B2B workflows. Sellers can use its credit, payment, invoicing, and collections capabilities across multiple transaction channels.
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.