TreviPay vs Wayflyer

Comparing TreviPay and Wayflyer reveals a fundamental mismatch: these platforms serve entirely different business needs. TreviPay operates as enterprise B2B trade credit infrastructure for global corporations, while Wayflyer provides working capital for e-commerce brands seeking growth funding.

For mid-market B2B sellers who need to offer net terms to buyers while receiving immediate cash advances and automated AR management, Resolve Pay delivers a more accessible and comprehensive solution that bridges the gap between enterprise complexity and e-commerce capital financing.

Key Takeaways

• TreviPay and Wayflyer serve fundamentally different purposes: TreviPay enables sellers to extend trade credit to B2B buyers across 30+ countries, while Wayflyer provides working capital directly to businesses for inventory and marketing
• TreviPay is positioned around managed B2B payments and trade credit for enterprise sellers with complex program requirements, while Resolve Pay provides an integrated net terms and AR workflow designed for B2B sellers seeking streamlined implementation
• Wayflyer provides working capital directly to businesses, while Resolve Pay is designed to help B2B sellers extend net terms to their buyers while supporting their own cash flow
• Resolve Pay combines net terms financing, non-recourse protection on eligible approved invoices, and AR automation in a single platform with implementation measured in days rather than months
• For B2B manufacturers, distributors, and wholesalers offering Net 30/60/90 terms, TreviPay supports managed trade credit programs, while Wayflyer addresses business funding needs. Resolve Pay offers another option combining net terms financing with AR automation for B2B sellers.
• Resolve Pay serves 15,000+ businesses with AI-powered credit decisioning that delivers assessments within 24 hours and reduces manual AR work by up to 90%

Understanding the B2B Payment Solutions Landscape

The B2B payments market encompasses three distinct categories that serve different operational models. Understanding these differences helps finance leaders select platforms aligned with their business stage and specific requirements.

Enterprise trade credit platforms like TreviPay provide infrastructure for large corporations to manage buyer credit programs at global scale. These systems process billions annually across multiple currencies and countries, offering white-label experiences and deep ERP integrations. The investment in implementation time and resources reflects their enterprise positioning.

Revenue-based financing platforms like Wayflyer address a different challenge entirely. Rather than helping sellers extend credit to buyers, these platforms provide growth capital to businesses themselves. Sellers receive funding based on their performance and repay through their funding agreement. This model works for e-commerce brands needing inventory or marketing capital but does not address B2B net terms requirements.

Integrated B2B payment platforms like Resolve Pay occupy the middle ground, combining credit decisioning, net terms financing, AR automation, and collections management. This approach serves mid-market B2B sellers who need the capabilities of enterprise systems without the complexity, cost, and implementation timeline.

TreviPay

Platform Overview and Capabilities

TreviPay has operated in the B2B payments space for over 40 years, building global infrastructure for managed B2B payments, trade credit, invoicing, collections, and accounts receivable operations. The platform focuses on enabling large enterprises to offer trade credit programs to their business buyers with white-label experiences.

The platform provides comprehensive capabilities for enterprise deployments:

• Operations spanning 30+ countries with 20+ currencies
• AI-enhanced credit decisioning drawing from multiple data sources
• Full accounts receivable automation including invoicing and collections
• White-label buyer programs with custom branding
• Deep integrations with enterprise ERPs including SAP, Oracle, and Microsoft Dynamics

TreviPay has earned 5.0/5 ratings on G2 and Capterra from enterprise customers who value reliability and comprehensive functionality.

Implementation Considerations

TreviPay is designed around managed B2B payments and trade credit programs for enterprise sellers:

• Deployment requirements depend on program scope, integrations, markets, and operational complexity
• Enterprise-grade infrastructure supports complex global B2B payment programs
• Custom configurations accommodate specific business requirements across multiple countries
• Resolve Pay provides competitive pricing designed for B2B sellers seeking integrated net terms and accounts receivable workflows

TreviPay's global infrastructure supports complex enterprise B2B payment programs. Resolve Pay takes a different approach, combining net terms, credit decisioning, receivables automation, payments, and collections in a platform designed to help B2B sellers get operational quickly.

Wayflyer

Platform Overview and Capabilities

Wayflyer provides working capital for growing businesses, with a strong presence among e-commerce and consumer brands. The company reports more than $7 billion deployed to over 7,000 businesses. Its funding options can include merchant cash advances and fixed-term loans, depending on the business, region, and available offer.

Core capabilities include:

• Working capital for inventory, marketing, and other business expenses
• Funding decisions based on connected business and performance data
• Connections to e-commerce, banking, and accounting data sources
• Variable or fixed repayment structures depending on the funding offer
• Funding deposited directly into the business's bank account
• 4.6/5 customer rating based on more than 500 reviews

Understanding the Model Difference

The fundamental distinction for B2B sellers comparing Wayflyer to TreviPay lies in what Wayflyer actually provides. Wayflyer does not enable sellers to offer payment terms to buyers. Instead, it provides working capital to the seller themselves.

This creates a different use case for B2B operations:

• Wayflyer funding goes to the seller for inventory, marketing, or hiring needs
• The platform does not help extend Net 30/60/90 terms to business customers
• Businesses receive funding based on Wayflyer's assessment of their performance and connected business data
• Depending on the funding offer, repayment may be structured as a percentage of revenue or as fixed payments
• Repayment is tied to the business's Wayflyer funding agreement rather than payment of individual buyer invoices

For B2B manufacturers, distributors, and wholesalers who need to offer payment terms to their business buyers while managing AR operations, Wayflyer addresses a different business need entirely.

Resolve Pay

Bridging the Gap for Mid-Market B2B Sellers

Resolve Pay addresses the specific needs of B2B sellers who want to offer net terms without the enterprise complexity of TreviPay or the misaligned model of Wayflyer. The platform combines net terms financing with AR automation in a single solution built for manufacturers, distributors, and wholesalers.

The platform serves 15,000+ businesses with a fundamentally different approach:

• Non-recourse financing on eligible approved invoices means sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms
• AI-powered credit decisioning streamlines buyer credit assessment, with Resolve Pay documenting credit assessment results within 24 business hours
• Implementation in days rather than the extended timelines typical of enterprise deployments
• Custom pricing based on implementation requirements, financing arrangements, and buyer risk profiles

Core Capabilities

Net Terms Financing

Sellers can offer Net 30/60/90 terms to approved buyers while receiving Advance Pay on eligible invoices. Depending on the program and approved customer, Resolve Pay may advance up to 100% of an invoice, while other arrangements use lower advance percentages. The remaining balance releases when buyers pay.

AI Credit Engine

Resolve Pay combines AI, behavioral signals, and credit expertise to streamline buyer credit assessment. Quiet pre-approval checks are available, and Resolve Pay documents streamlined assessments using only the buyer's business name and address with results within 24 business hours.

AR Automation Platform

The system handles automated invoice generation, payment reminders, smart reconciliation, and integration with QuickBooks, Xero, Sage Intacct, and NetSuite. Customers report 90% reduction in manual AR work.

Agentic Collections

Multi-channel automated sequences using email, SMS, and voice AI manage follow-ups with intelligent escalation based on buyer response patterns. The system preserves customer relationships while reducing DSO.

White-Label Payment Portal

Buyers access a branded dashboard showing invoices, credit lines, and payment history with options including ACH, wire transfer, credit card, and check.

Implementation and Integration

Resolve Pay connects with the platforms B2B sellers already use:

• Native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce
• Bi-directional sync with accounting systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite
• REST API with webhooks for custom integrations
• SOC 2 Type II attestation, independently audited

Most teams launch within one week rather than waiting months for enterprise deployments.

Comparing Net Terms and Financing Capabilities

When evaluating platforms for B2B net terms, the differences in financing models become critical. TreviPay provides comprehensive buyer credit programs as part of its enterprise infrastructure, with advance rates and structures varying by program configuration. The platform handles complex multi-currency transactions across its global network.

Wayflyer takes a fundamentally different approach, providing funding directly to the business rather than facilitating buyer credit. The funding obligation remains with the funded business, and repayment structures vary by offer. This model serves businesses seeking growth capital but does not help sellers extend terms to their buyers.

Resolve Pay offers non-recourse protection on eligible approved invoices, meaning sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Funding typically arrives within 1-2 business days after invoice approval.

AR Automation and Operational Capabilities

TreviPay delivers enterprise-grade invoice automation, collections management, and deep ERP integrations with SAP, Oracle, and Microsoft Dynamics. The comprehensive functionality supports complex global operations but requires corresponding implementation resources and timelines.

Wayflyer focuses on providing capital rather than operational automation. The platform does not offer invoice automation, collections management, or AR workflow tools. Its integrations connect to e-commerce and banking data for underwriting purposes rather than operational management.

Resolve Pay provides full AR automation including invoice generation, payment reminders, collections with agentic AI, and reconciliation. The platform integrates with NetSuite, Sage, QuickBooks, and e-commerce platforms. Many Resolve Pay teams launch within a week using supported integrations, although full ERP synchronization and payment portal deployment timelines depend on system requirements and configuration.

Credit and Risk Management Approaches

Credit decisioning varies significantly across platforms. TreviPay employs AI-enhanced credit evaluation drawing from multiple data sources, with credit decisions structured around its enterprise program requirements. The platform's white-label capabilities allow customized credit experiences for different buyer segments.

Wayflyer's credit assessment focuses on evaluating the funded business itself rather than that business's buyers. The platform analyzes revenue performance, cash flow, and connected business data to determine funding eligibility and terms. This business-level assessment does not involve buyer credit checks since Wayflyer does not facilitate seller-to-buyer credit extension.

Resolve Pay combines AI, behavioral signals, and credit expertise to streamline buyer credit assessment, with results documented within 24 business hours. The quiet pre-approval process does not impact buyer credit scores. Dynamic credit lines adjust based on buyer payment performance and business relationship history. The non-recourse structure on eligible approved invoices reduces credit risk exposure for sellers.

Why Resolve Pay Fits B2B Sellers

TreviPay and Wayflyer address different parts of the business finance and payments landscape. Resolve Pay is purpose-built for B2B sellers that want to combine buyer credit, net terms, accounts receivable workflows, payments, and collections within a connected platform.

Resolve Pay is particularly relevant for manufacturers, distributors, wholesalers, and other B2B goods sellers that:

• Need to offer Net 30/60/90 terms to approved business buyers
• Want faster access to cash on eligible approved invoices
• Value non-recourse protection on eligible approved invoices
• Need AR automation across invoicing, reminders, collections, and reconciliation
• Want integrations across common ecommerce, ERP, and accounting platforms
• Prefer a platform designed around the seller's complete credit-to-cash workflow

For these businesses, Resolve Pay connects the capabilities needed to extend trade credit while helping protect cash flow and reduce manual accounts receivable work.

Real Business Outcomes with Resolve Pay

The differences in approach translate to measurable results for B2B sellers. SS&SI Dealer Network achieved 5x revenue growth by offering competitive net terms they could not previously extend. ConEquip saw 30% year-over-year growth through improved buyer financing options.

Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours, offering credit lines 20x higher than before. Trenchless Supply reduced AR workload by 90% with credit approvals completing within 24 hours. Elston Materials increased margins from 25% to 30% through improved payment operations.

These outcomes reflect the platform's focus on mid-market B2B sellers who need both financing flexibility and operational efficiency.

Net Terms Built for B2B Growth

For B2B manufacturers, distributors, wholesalers, and other goods sellers that need to extend payment terms while maintaining stronger cash flow, Resolve Pay brings the essential credit-to-cash capabilities into one connected platform.

With buyer credit decisioning, flexible net terms, Advance Pay on eligible approved invoices, AR automation, collections, payments, and integrations with common business systems, Resolve Pay gives growing B2B sellers a practical way to scale trade credit without building the entire workflow internally.

The platform's streamlined implementation, non-recourse protection on eligible approved invoices, and AI-powered credit decisions within 24 hours provide mid-market sellers with enterprise-grade capabilities without enterprise complexity. Whether you're looking to win more deals by offering competitive payment terms, improve cash flow predictability, or reduce the manual burden of accounts receivable management, Resolve Pay delivers the integrated solution B2B sellers need to grow confidently.

Frequently Asked Questions

How Does Resolve Pay Help B2B Sellers Offer Net Terms?

Resolve Pay helps B2B sellers extend Net 30/60/90 terms to approved buyers while supporting the seller's cash flow through Advance Pay on eligible approved invoices. It also brings credit assessment, invoicing, payments, reconciliation, and collections into a connected workflow.

What Types of Businesses Use Resolve Pay?

Resolve Pay is designed for B2B goods sellers, including manufacturers, distributors, wholesalers, and other businesses that sell to commercial buyers and want to extend payment terms while simplifying accounts receivable operations.

How Quickly Can Resolve Pay Be Implemented?

Resolve Pay is designed for streamlined onboarding and integration with common B2B commerce and accounting systems. Businesses can typically get set up in days, with the exact timeline depending on their systems and implementation requirements.

What Does Non-Recourse Financing Mean with Resolve Pay?

Resolve Pay provides non-recourse protection on eligible approved invoices, subject to program terms. This means sellers can reduce their exposure to covered buyer credit defaults while offering approved customers flexible payment terms.

Does Resolve Pay Integrate with Existing Business Systems?

Yes. Resolve Pay supports integrations with accounting, ERP, and ecommerce systems including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs are also available for 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.