Two Alternatives: Smarter B2B Payment Automation for Modern Businesses

When businesses outgrow basic BNPL platforms, they need comprehensive net terms infrastructure that combines credit underwriting, advance financing, and automated receivables management. Global B2B payment flows exceed $125 trillion annually, yet legacy solutions still force companies to choose between extending credit and maintaining cash flow. 

Resolve's AI-powered platform eliminates this tradeoff through non-recourse financing with advance pay up to 100%, seamless integration with existing accounts receivable automation workflows, and white-label payment portals that preserve customer relationships.

Key Takeaways

• Non-recourse advances shift credit default risk: Resolve provides 100% non-recourse financing with advance pay up to 100% on approved invoices, transferring buyer credit risk to Resolve subject to program terms
• AI-powered credit decisions accelerate approvals: Proprietary models evaluate thousands of data points for instant decisions, with qualifying purchases approved immediately based on risk assessment
• Transparent fee structure with flexible rates: As of 2025, Resolve's 30-day net terms pricing starts at 2.61% for standard risk profiles; fees up to 3.5% apply for 100% advance rates based on buyer risk
• Seamless ecommerce and accounting integration: Direct integrations with Shopify, BigCommerce, QuickBooks, and NetSuite enable implementation in days for standard platforms.
• White-label payment portals preserve relationships: Branded customer experience with ACH, credit card, wire, and check payment options; where permitted by applicable law and card network rules, credit card processing fees may be passed to buyers
• Comprehensive AR automation reduces manual work: AI agents manage payment reminders, collections, and reconciliation across all invoice types, significantly reducing accounts receivable processing time

The B2B payments landscape continues evolving rapidly, with businesses reporting improved cash flow management and faster payment processing as primary benefits when adopting modern platforms. For companies seeking alternatives to traditional BNPL platforms, seven solutions stand out for their unique capabilities in addressing the persistent challenges of payment delays, cash flow uncertainty, and administrative burden.

1. Resolve — AI-Powered Net Terms Without the Risk

Resolve represents the premier alternative to Two.inc by combining embedded credit expertise, invoice financing, and payments into a single platform. Resolve was incubated within Affirm and later spun out, bringing BNPL innovation to B2B commerce with what the company calls "your credit team on tap."

Core Capabilities:

• 100% non-recourse financing with zero merchant liability for approved credit decisions
• Instant credit decisions powered by AI underwriting
• Net 30, 60, or 90-day payment terms
• Advance pay up to 100% on approved invoices, typically within one business day after approval
• Risk-based fees: 2.61% on 30-day terms or up to 3.5% for 100% advance
• QuickBooks, Shopify, BigCommerce, and NetSuite integration
• White-label payment portal accepting ACH, credit card, wire, and check

Advanced Features:

Resolve's platform goes beyond basic payment processing to deliver comprehensive B2B financial infrastructure. The AI-powered accounts receivable automation reduces manual work through automated payment reminders, collections management, and reconciliation across all invoice types—net terms, COD, or due upon receipt.

The business credit check service delivers instant, data-rich credit decisions requiring only a company name and address, with results typically within one business day. This quiet pre-approval process eliminates friction for buyers while providing deeper insights than traditional bureaus through proprietary financial databases and algorithms.

For ecommerce businesses, net terms for ecommerce integrates directly into existing checkout flows with instant approvals for qualifying purchases. The flexible API ensures compatibility with any custom implementation, while the white-label payment portal maintains brand consistency throughout the customer journey.

Implementation and Results:

For standard integrations such as Shopify and QuickBooks, setup can be completed in days rather than the months required by traditional enterprise solutions. The platform automatically syncs transaction data to accounting systems in real-time, eliminating manual data entry and ensuring accurate financial reporting.

Businesses report significant operational improvements when implementing automated AR platforms, including reduced accounts receivable processing time, fewer late payments, and the ability to offer competitive net terms without sacrificing cash flow.

Unlike traditional factoring or recourse financing, Resolve's non-recourse model means merchants face zero liability for customer defaults on approved credit decisions. The platform takes on credit assessment, credit decision, and the majority risk of late payments or defaults, allowing businesses to focus on growth rather than collections.

2. Traditional Invoice Factoring Services

Traditional invoice factoring remains a common alternative for businesses seeking immediate cash flow, though it comes with significant limitations compared to modern platforms like Resolve.

Key Characteristics:

• Recourse or non-recourse factoring options
• Typical advance rates of 70-90% according to industry standards
• Factoring fees ranging from 1-5% monthly
• Loss of customer relationship control
• Lengthy approval processes requiring extensive documentation
• Monthly minimum volume requirements

Operational Challenges:

Traditional factoring requires businesses to sell their invoices at a discount, often losing control of customer relationships in the process. The notification factoring model alerts customers that their invoices have been sold, potentially damaging business relationships. Additionally, recourse factoring leaves merchants liable for customer defaults, creating ongoing financial risk.

Implementation typically requires weeks of documentation and credit verification, with ongoing monthly minimums that can strain smaller businesses. The lack of integration with modern accounting systems creates additional administrative burden, contradicting the efficiency gains achievable with integrated platforms.

For businesses seeking a modern alternative to factoring, platforms like Resolve offer superior terms, faster implementation, and relationship-preserving white-label experiences.

3. SBA Loan Programs

Small Business Administration (SBA) loan programs provide another financing alternative, though they serve different purposes than transaction-based payment solutions.

Program Structure:

• SBA 7(a) loans up to $5 million
• SBA Express loans up to $500,000
• Typical approval timelines of 30-90 days
• Personal guarantees usually required
• Collateral often necessary
• Fixed or variable interest rates

Limitations for Payment Needs:

SBA loans provide general working capital rather than transaction-specific financing. The lengthy approval process—often 30-90 days—doesn't address immediate cash flow needs from outstanding invoices. Additionally, SBA loans require personal guarantees and collateral, creating personal financial risk unlike Resolve's non-recourse model.

For businesses needing immediate liquidity against specific invoices, SBA loans don't provide the targeted, transaction-based financing that modern B2B payment platforms deliver.

4. Business Credit Card Programs

Business credit cards offer another alternative for managing B2B payments, though they come with significant cost and risk considerations.

Typical Features:

• Credit limits based on personal and business credit
• Variable APRs often exceeding 20% and can surpass 25% depending on issuer and prime rate
• Annual fees from $0-$95+
• Rewards programs for business spending
• Personal liability in most cases
• Limited integration with accounting systems

Cost and Risk Factors:

Business credit cards typically carry high interest rates that can significantly increase costs compared to flat-fee B2B payment solutions. Personal liability remains common, even for business cards, creating financial risk for owners. Additionally, credit limits may not accommodate larger B2B transactions, limiting their utility for wholesale or commercial purchases.

Unlike Resolve's advance pay model that provides immediate cash flow against invoices, credit cards require businesses to front the full purchase amount and wait for customer payment, creating cash flow gaps rather than solving them.

5. Accounts Receivable Outsourcing Services

AR outsourcing services provide administrative support for collections and payment processing, though they don't provide financing or advance payment capabilities.

Service Scope:

• Collections management and follow-up
• Payment processing and deposit
• Account reconciliation
• Customer service for payment inquiries
• Reporting and analytics
• Typically no financing or advance payment

Operational Limitations:

While AR outsourcing reduces administrative burden, it doesn't address the fundamental cash flow challenge of waiting 30-90 days for customer payments. Businesses still face the working capital gap between invoice issuance and customer payment, without the advance pay up to 100% that modern platforms provide.

The lack of embedded financing means businesses must maintain separate financing arrangements, creating operational complexity. Additionally, outsourcing customer relationships can impact the buyer experience, unlike Resolve's white-label portal that maintains direct merchant-customer relationships.

6. Custom Payment Term Arrangements

Some businesses attempt to manage payment terms internally through custom arrangements with key customers.

Typical Approach:

• Direct negotiation of net terms with customers
• Manual credit assessment and approval
• Internal collections and follow-up
• No third-party financing or advance payment
• Limited scalability and standardization

Scalability Challenges:

Custom payment term arrangements work for a small number of established customers but become unmanageable as businesses grow. The manual nature of credit assessment, collections, and reconciliation creates significant administrative overhead that contradicts the efficiency gains achievable with automated platforms.

Without third-party financing, businesses bear all credit risk and cash flow impact, limiting their ability to offer competitive terms to new customers. The lack of standardized processes also creates inconsistency in customer experience and internal operations.

7. Embedded Payment Solutions with Integrated Financing

The future of B2B commerce lies in embedded payment solutions that combine transaction processing with integrated financing, exactly as Resolve delivers.

Market Evolution:

According to financial experts, "The next frontier in B2B payments involves greater integration with supply chain finance and real-time risk assessment, moving beyond transaction processing to become embedded financial intelligence platforms that anticipate business needs." This evolution reflects the shift from traditional payment processing to comprehensive financial infrastructure.

Strategic Advantages:

Embedded solutions like Resolve offer several key advantages:

• Unified experience: Single platform for credit, payments, and reconciliation
• Risk management: Non-recourse financing eliminates merchant liability for approved credit decisions
• Operational efficiency: Automated reconciliation significantly reduces payment disputes
• Scalability: Handle growing transaction volumes without proportional overhead increase
• Customer retention: Buy now pay later options increase sales volume and customer loyalty

The embedded approach addresses core challenges identified in B2B payments research. Payment delays remain a major challenge for businesses, while improved cash flow management continues to be a top priority. Resolve's platform directly addresses both issues through advance pay and automated collections.

Implementation Considerations and Best Practices

When evaluating Two.inc alternatives, businesses should consider several key factors to ensure successful implementation and maximum ROI.

Integration Requirements:

The most successful implementations begin with thorough assessment of current payment workflows and pain points. Platforms with strong integration capabilities like Resolve's direct connections to major accounting and ecommerce systems minimize disruption and accelerate time to value. The planning phase should include mapping existing workflows and identifying key integration points.

Timeline Expectations:

Implementation timelines vary significantly by platform complexity. Resolve's turnkey integrations enable same-day setup for businesses using supported platforms, compared to longer timelines for full workflow integration with more complex systems. Businesses should plan implementation during slower business periods to minimize operational disruption.

ROI Measurement:

Many firms report rapid payback from AR automation through time savings, reduced errors, and improved cash flow. Key metrics to track include days sales outstanding (DSO), payment error rates, staff time spent on payment processing, and customer retention rates.

Phased Implementation Approach:

Best practice involves implementing on a phased basis, starting with a pilot group of customers before full rollout. This approach allows for staff adaptation and process refinement while minimizing risk. Businesses often experience implementation challenges related to staff training and workflow adjustments, which phased implementation helps address.

Frequently Asked Questions

What is the difference between Two.inc and Resolve for payments?

Resolve differs fundamentally through its 100% non-recourse financing model that eliminates merchant liability for approved credit decisions. Resolve advances up to 100% on approved invoices typically within one business day, takes on all credit risk subject to program terms, and provides comprehensive AR automation with AI-powered reconciliation across all invoice types.

How quickly can I receive advance payment?

Resolve advances payment on approved invoices typically within one business day after approval. The advance rate depends on buyer risk assessment, with options for 100%, 75%, or 50% advance. This immediate liquidity transforms cash flow management, allowing businesses to fund operations without waiting 30-90 days for customer payments.

What fees does Resolve charge?

As of 2025, Resolve's 30-day net terms pricing starts at 2.61% for standard risk profiles. Fees up to 3.5% apply for 100% advance on 30-day terms. All cash advances are non-recourse, ensuring complete risk protection for merchants on approved credit decisions subject to program terms and exclusions.

Can Resolve integrate with my ecommerce platform?

Resolve offers direct integrations with Shopify, BigCommerce, and more, enabling seamless checkout integration within days for standard platforms. The checkout extension embeds net terms options directly into existing payment flows, maintaining brand consistency while offering buyers flexible payment options.

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.