TreviPay and Two support B2B sellers that want to extend payment terms, streamline buyer approvals, and improve payment workflows, but they are designed around different operating models. TreviPay primarily supports complex enterprise trade credit programs, while Two provides embedded B2B payment experiences with a strong European presence. For US manufacturers, distributors, wholesalers, and B2B ecommerce sellers seeking net terms financing, Resolve Pay combines buyer credit decisioning, non-recourse invoice advances, payment processing, accounts receivable automation, and collections within one connected platform.
B2B payment platforms increasingly combine several functions that were traditionally managed through separate providers or internal departments. These functions can include buyer credit assessment, invoicing, payment processing, financing, collections, and accounting reconciliation.
The Federal Reserve Payments Study tracks continuing changes in how noncash payments move through the US economy. For B2B sellers, digital payment modernization also affects how quickly invoices are issued, approved, paid, and reconciled.
A modern B2B payment platform may include:
The value of an integrated platform is not limited to processing payments. It also helps sales, finance, credit, and operations teams work from a more consistent set of buyer and invoice data.
TreviPay, Two, and Resolve Pay address overlapping payment challenges, but their primary customer profiles and delivery models differ.
TreviPay is positioned around enterprise B2B payments, trade credit, invoicing, and order-to-cash programs. Its infrastructure is commonly associated with multinational businesses that need to coordinate buyer onboarding, credit management, invoicing, payments, and collections across complex sales environments.
TreviPay also provides APIs, sandbox environments, implementation support, and program-management resources. These capabilities can be relevant for large organizations developing customized global payment programs across multiple business units or sales channels.
Two provides embedded B2B payment and net terms experiences for online, direct, and in-store transactions. Its model emphasizes rapid buyer evaluation at checkout, deferred payment options, installment workflows, and upfront merchant payment on approved transactions.
Two has European roots and works with financial and insurance partners to support its payment programs. Its tools are designed for sellers that want to add business payment terms to digital and assisted sales channels.
Resolve Pay is an AI-powered B2B payments platform for manufacturers, distributors, wholesalers, and other suppliers. It brings credit decisioning, invoice advancement, payments, receivables management, and collections into one system.
More than 15,000 businesses use Resolve Pay to extend credit and improve payment workflows. Approved invoices may qualify for advances of up to 90% within 24 hours, while buyers receive flexible payment terms and access to a branded portal.
Resolve Pay is especially relevant when a seller wants to:
Net terms allow a buyer to receive goods or services before the invoice becomes due. Common structures include Net 30, Net 60, and Net 90, although availability and credit limits depend on the buyer, seller, transaction, and provider.
Net terms can help buyers coordinate purchases with their own operating cycles. However, they can create a working capital gap for sellers because inventory, payroll, shipping, and supplier expenses may be due before customer invoices are collected.
The US Small Business Administration identifies invoice financing as one way businesses can release cash tied up in unpaid invoices. It also recommends maintaining visibility into financial statements and cash flow when SBA business finance guidance.
Resolve Pay allows qualified sellers to offer approved buyers flexible payment terms while receiving an advance on eligible invoices. The structure connects several activities:
This approach lets the seller support buyer purchasing power without independently funding every approved payment term.
Resolve Pay uses non-recourse financing for approved advances. This means the seller generally does not have to repay the advance solely because an approved buyer later defaults, subject to the applicable agreement and transaction requirements.
Non-recourse protection is important because it distinguishes credit-risk transfer from financing arrangements in which the seller remains responsible for customer nonpayment. It allows sellers to evaluate the value of financing based on both cash flow timing and risk allocation.
Credit decisioning affects conversion, order size, risk exposure, and the customer experience. A slow or highly manual application process can delay purchases, while an incomplete assessment may expose the seller to avoidable losses.
TreviPay supports real-time screening and underwriting within enterprise payment programs. Larger or more complex credit requests may require additional information and review.
Two emphasizes rapid decisioning within embedded checkout and assisted-sales experiences. This can help merchants present terms without requiring buyers to leave the purchasing flow.
Resolve Pay combines automated analysis with credit expertise. Its business credit checks use business information, behavioral signals, and underwriting data to support credit recommendations and approvals.
Resolve Pay can begin a credit review using a buyer’s business name and address. This supports discreet prequalification without forcing every prospective buyer through a lengthy application before a seller understands whether terms may be available.
Depending on the situation, additional information or verification may still be required. Credit lines and advance eligibility are not guaranteed and remain subject to Resolve Pay’s underwriting and buyer-verification requirements.
An integrated credit workflow helps different teams work together:
Financing addresses the timing of cash flow, but sellers must also manage invoicing, payment reminders, reconciliation, exceptions, disputes, and collections. These activities can become difficult to scale when they depend on spreadsheets, inboxes, and manual data entry.
Resolve Pay’s accounts receivable automation supports credit checks, invoicing, payment processing, reconciliation, reminders, and collections from one platform.
Resolve Pay can manage invoices with different payment structures, including:
The platform uses automation to organize transaction data and synchronize information with connected accounting or ERP systems. This helps reduce duplicate entry and gives finance teams a more consistent view of outstanding receivables.
Payment reconciliation can become time-consuming when buyers submit combined payments, partial payments, deductions, or payments without clear remittance details.
Resolve Pay uses AI-supported bookkeeping and reconciliation workflows to help match payments with invoices and preserve transaction records. Teams can then focus more attention on exceptions that require human review.
Resolve Pay provides a white-labeled portal that can maintain the seller’s branding throughout the payment experience. Depending on the configured workflow, buyers may use ACH, wire transfers, credit cards, or checks.
A branded experience can help suppliers introduce a third-party payment platform without making the buyer relationship feel disconnected from the seller.
Collections require a balance between consistent follow-up and customer relationship management. Generic reminders may be ignored, while overly aggressive outreach can create unnecessary friction with valuable buyers.
Resolve Pay’s agentic collections automate routine follow-up and help teams concentrate on disputes, high-risk accounts, and other exceptions.
Resolve Pay can support:
Automated collections should not mean that every account receives the same message. Effective workflows adjust outreach based on invoice status, buyer behavior, and the presence of disputes or payment activity.
Because Resolve Pay can operate as an embedded and branded extension of the seller’s receivables process, the supplier can maintain a more consistent customer experience. This is particularly useful for manufacturers and distributors whose buyer relationships may span many years and recurring orders.
A B2B payment platform is more useful when it works with the systems that already manage customers, orders, invoices, and financial records.
Resolve Pay’s integration platform supports ecommerce, accounting, ERP, and custom API connections.
Supported commerce platforms include:
These integrations can embed net terms or B2B payment options into online checkout and reduce the need to transfer order information manually between systems.
Resolve Pay also supports connections with:
Connected workflows can synchronize customer information, invoices, payments, and reconciliation data. Resolve Pay also offers API and webhook capabilities for businesses with custom platforms or specialized technical requirements.
Resolve Pay can integrate with NetSuite to synchronize customer and invoice information while supporting payment and receivables workflows. Businesses evaluating this connection should review the available ERP integration guidance and determine how customer records, invoice status, payments, and exceptions should move between systems.
Implementation requirements depend on the size of the business, existing systems, transaction volume, countries served, and the amount of customization involved.
TreviPay often supports enterprise implementations that involve multiple stakeholders, business units, currencies, markets, and technical systems. Two focuses on embedded payment experiences across ecommerce and assisted-sales channels.
Resolve Pay provides ecommerce plug-ins, accounting and ERP integrations, and flexible APIs. This creates several implementation paths for US suppliers:
Implementation timing should be evaluated based on the selected integrations and workflow complexity rather than a universal deployment promise.
Resolve Pay is designed for businesses that need more than a payment processor or standalone financing product. It connects the major stages of the B2B credit-to-cash cycle:
This connected approach is particularly relevant for businesses that sell through a combination of ecommerce, sales representatives, phone orders, purchase orders, and recurring invoice relationships.
Resolve Pay also helps sellers maintain control over the customer experience. Buyers can interact with a branded portal, apply for terms within supported purchasing flows, and pay through familiar B2B payment methods.
Resolve Pay offers US manufacturers, distributors, wholesalers, and B2B ecommerce sellers a unified way to extend payment terms while managing cash flow, credit risk, invoicing, payments, reconciliation, and collections. Its non-recourse advance structure can help qualified sellers receive up to 90% of approved invoice value within 24 hours, while buyers retain the flexibility to pay according to their approved terms.
TreviPay and Two represent established approaches to enterprise trade credit and embedded B2B checkout. Resolve Pay’s advantage for US suppliers is the combination of financing and operational automation within one seller-focused platform. Businesses can use it to support larger and more frequent purchases, reduce manual receivables work, and strengthen buyer relationships without building every credit and collections capability internally.
Resolve Pay is a B2B payments and net terms platform that combines buyer credit decisioning, non-recourse invoice advancement, payment processing, accounts receivable automation, reconciliation, and collections. It is designed for manufacturers, distributors, wholesalers, and other B2B sellers.
Yes. Eligible advances on approved invoices are non-recourse, subject to the applicable agreement and transaction requirements. This means the seller generally keeps the advance when an approved buyer defaults rather than assuming the buyer’s credit risk.
Approved invoices may qualify for advances of up to 90% within 24 hours. Actual eligibility, advance amounts, and timing depend on underwriting, buyer verification, invoice approval, and the seller’s agreement with Resolve Pay.
Resolve Pay supports integrations with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Flexible APIs are also available for custom ecommerce and financial-system integrations.
Yes. Resolve Pay can automate credit workflows, invoicing, payment reminders, reconciliation, payment processing, collections, and receivables reporting. Finance teams can use the platform to manage routine workflows while concentrating on disputes and other exceptions.
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.