Looking for a better B2B payment solution than Veem? While Veem offers international payments and multi-rail technology, many businesses need more comprehensive features like net terms financing, advanced automation, or enterprise-grade capabilities. This guide explores the top Veem alternatives for 2025.
Key Takeaways
- Resolve leads with embedded B2B credit - Unlike Veem's payment-only focus, Resolve offers net terms financing with up to 100% advance payments
- Pricing transparency varies widely - While Veem charges $24.99/month plus fees, alternatives range from Melio's subscription model to Corpay's custom enterprise pricing
- International capabilities differ significantly - Veem supports 100+ countries, but alternatives like Wise offer better exchange rates while Resolve focuses on domestic B2B credit
- Integration depth matters - Look beyond basic QuickBooks sync to platforms offering deep ERP integration and automated reconciliation
- Real-time payments are becoming standard - 96% of manufacturers plan to adopt real-time payments by 2028, making speed a critical factor
1. Resolve - Best for B2B Net Terms and Credit Management
Resolve stands apart from Veem by focusing on what B2B businesses actually need: the ability to offer net terms while getting paid immediately. While Veem processes payments, Resolve enables growth through credit extension.
Why Resolve Outperforms Veem
The fundamental difference: Resolve is a credit and financing platform, not just a payment processor. When your customers need 30, 60, or 90-day payment terms, Resolve advances up to 100% of the invoice value within 24 hours. Veem simply can't match this capability.
Features That Set Resolve Apart
- AI-Powered Credit Engine: Resolve's proprietary underwriting system provides instant credit checks requiring only a customer name and address - no lengthy applications or credit pulls that damage scores.
- Non-Recourse Protection: Unlike factoring or traditional credit lines, Resolve assumes all credit risk. If a customer doesn't pay, you're protected. This beats traditional factoring by eliminating recourse risk.
- White-Label Payment Portal: Your customers see your brand, not Resolve's, maintaining your professional relationship while offering flexible payment options including ACH, wire, credit card, and check through our B2B payments platform.
- Deep Integrations: Beyond Veem's basic accounting connections, Resolve offers comprehensive integrations with BigCommerce (2025 Innovative Integration Award winner), Shopify, WooCommerce, QuickBooks, and NetSuite with automated 2-way sync.
- Automated AR Management: Resolve handles accounts receivable automation including invoice tracking, payment reminders, and reconciliation - features Veem doesn't offer.
Transparent, Competitive Pricing
Resolve's pricing is refreshingly simple: 2.61-3.15% flat fee for 30-day net terms with 90% advance. Compare this to:
- Veem's $24.99/month plus transaction fees
- Traditional factoring at 20-40% of invoice value
- Credit card processing at 2.9% (which you'd pay anyway)
No setup fees, monthly minimums, or surprise charges. Use our ROI calculator to see your potential savings.
Proven Customer Success
Marshall Wolf Automation streamlined their B2B payment processes after implementing Resolve, while Shields Childcare Supplies captured new business by offering Net 90 terms. These aren't just payment processing wins - they're business transformation stories.
Advanced Features for Growth
Best For
- Manufacturers, wholesalers, and distributors needing to offer net terms
- B2B companies wanting to increase average order values by 40%
- Businesses seeking to eliminate AR management overhead
- Companies looking to improve cash flow while extending customer payment terms
2. Wise Business - Best for International Transfers
Wise (formerly TransferWise) excels where Veem struggles with transparency, offering true mid-market exchange rates without hidden markups.
Features
- Hold 40+ currencies with local account details in 23 currencies
- Batch payments for up to 1,000 recipients
- 3.92% APY on USD balances (US only)
- QuickBooks integration with automatic sync
- API for custom integrations
Pricing
- Average fee: 0.59% (this fee may vary depending on the currency and transfer corridor)
- No monthly account fees
- Same-currency transfers between Wise accounts: Free
- Volume discounts: Available for transactions exceeding £20,000/month, with specific rates based on the transfer volume and region
Pros & Cons
Pros: 64% of transfers complete in under 20 seconds, transparent pricing, 160+ countries supported
Cons: No credit facilities, limited B2B automation, mixed customer support reviews
Best For
Small businesses and freelancers prioritizing low-cost international transfers over comprehensive B2B features.
3. Bill.com - Best for AP/AR Automation
Bill.com targets mid-size companies needing sophisticated approval workflows that Veem doesn't offer.
Features
- Automated invoice capture with AI data extraction
- Multi-level approval workflows with mobile support
- Access to 4M+ vendors via BILL network
- Deep integrations with QuickBooks, NetSuite, Sage Intacct
- Corporate cards with $1,000-$5M credit lines
Pricing
- Essentials: $45/user/month
- Team: $55/user/month
- Corporate: $79/user/month
- ACH payments: $0.59 per transaction
- Credit card processing: 2.9%
Pros & Cons
Pros: #1 on G2's 2024 Best Software Awards, comprehensive automation, strong audit trails
Cons: Steep learning curve, higher costs for small teams, some integration sync issues
Best For
Companies with 50+ employees requiring complex approval workflows and comprehensive AP/AR automation.
4. Tipalti - Best for Enterprise Scale
Tipalti serves enterprises with global payment complexity that exceeds both Veem's and most alternatives' capabilities.
Features
- Payments to 196 countries in 120+ currencies
- KPMG-approved tax engine with automated compliance
- AI-powered invoice processing with PO matching
- Enterprise-grade fraud detection
- 99% customer retention rate
Pricing
- Starter: $99/month (basic features)
- Premium/Elite: Custom enterprise pricing
- Implementation can take weeks to months
Pros & Cons
Pros: Handles Fortune 500 complexity, reduces manual work by 80%, comprehensive compliance
Cons: Overkill for SMBs, requires pre-funding, complex implementation
Best For
Enterprises processing thousands of supplier payments with strict compliance requirements.
5. Payoneer - Best for Marketplace Sellers
Payoneer connects to 2,000+ marketplaces, making it ideal for businesses selling on platforms Veem doesn't integrate with.
Features
- Local receiving accounts in 9 major markets
- Working capital advances up to $750,000
- Integration with Amazon, eBay, Airbnb, Upwork
- Mass payouts to 190+ countries
- 24/7 support in 22+ languages
Pricing
- Annual fee: $29.95 (waived if receiving >$2,000/year)
- Credit card payments: 3%
- Bank withdrawals: $1.50 domestic, up to 3% international
- Currency conversion: 0.5% above mid-market rate
Pros & Cons
Pros: 57% B2B volume growth in Q3 2024, strong marketplace connections, working capital access
Cons: Higher fees than Veem for some transactions, account freeze complaints
Best For
Online sellers, freelancers, and digital businesses needing marketplace payment integration.
6. Melio - Best for Small US Businesses
Melio transitioned from free to subscription pricing in September 2024 but remains competitive for domestic payments.
Features
- Free ACH payments (5-50 per month depending on plan)
- Pay vendors via credit card even if they don't accept cards
- QuickBooks/Xero integration with 2-way sync
- International payments to 80+ countries (USD only, $20 flat fee)
Pricing
- Go Plan: Free - 5 ACH payments/month
- Core Plan: $25/month - 20 free ACH payments
- Boost Plan: $39/month - 50 free ACH payments
- Credit card payments: 2.9% all plans
Pros & Cons
Pros: Simple interface, earn credit card rewards on vendor payments, no vendor signup required
Cons: Limited international capabilities vs Veem, recent pricing changes frustrate users
Best For
Small US businesses making fewer than 20 monthly payments, primarily domestic.
7. Corpay - Best for FX Risk Management
Corpay (formerly Fleetcor) offers sophisticated currency hedging that Veem can't match.
Features
- Cross-border payments to 200+ countries in 145+ currencies
- Forward contracts and FX hedging tools
- Virtual cards with rebate programs ($800M+ annual rebates)
- Treasury management solutions
- $400B+ in payments managed (2024)
Pricing
- Custom enterprise pricing only
- Volume-based FX margins
- Virtual card rebate structures available
Pros & Cons
Pros: #1 Enterprise Payment Software (G2), comprehensive FX solutions, dedicated account management
Cons: Complex pricing, primarily enterprise-focused, high barrier to entry
Best For
Large corporations with significant international exposure requiring sophisticated FX management.
Frequently Asked Questions
How long does it take to switch from Veem to an alternative platform?
Migration typically takes 2-8 weeks depending on complexity. Simple platforms like Wise or Melio can be set up in days, while enterprise solutions like Tipalti may require 6-12 weeks for full implementation. Resolve's onboarding process typically takes 1-2 weeks with dedicated support handling data export, vendor onboarding, and integration setup.
What are the main cost differences between Veem and its alternatives?
Veem charges $24.99/month plus transaction fees. Alternatives vary significantly:
- Resolve: 2.61-3.15% flat fee for net terms financing
- Wise: 0.59% average for transfers, no monthly fees
- Bill.com: $45-79/user/month plus transaction fees
- Melio: $0-39/month with limited free ACH payments
Consider total cost of ownership including hidden fees, FX markups, and efficiency gains from automation. Use Resolve's pricing calculator to compare costs.
Can I maintain my existing accounting integrations when switching?
Most modern platforms support QuickBooks, Xero, and major ERPs. However, integration depth varies:
- Best integration: Resolve and Bill.com offer deep 2-way sync with automated reconciliation
- Good integration: Wise, Melio provide basic transaction sync
- Enterprise integration: Tipalti, Corpay support complex ERP systems
Resolve's integration library includes QuickBooks, NetSuite, Shopify, BigCommerce, and more with automated reconciliation.
Which alternative is best for international B2B payments?
It depends on your specific needs:
- Best rates: Wise with true mid-market exchange rates
- Most countries: Corpay (200+ countries) or Tipalti (196 countries)
- Fastest: Wise (64% complete in under 20 seconds)
- Most comprehensive: Corpay for FX hedging and risk management
For domestic B2B with net terms needs, Resolve's payment platform offers superior value over international-focused alternatives.
Do any Veem alternatives offer credit or financing options?
Yes, several alternatives provide financing that Veem doesn't:
- Resolve: Net terms financing with up to 100% advance payments
- Payoneer: Working capital advances up to $750,000
- Bill.com: Corporate cards with $1K-$5M credit lines
- Melio: Ability to pay vendors via credit card for float
This is a major differentiator as Veem offers no credit facilities. Resolve's invoice financing solution provides immediate cash flow without debt.
What security features should I look for in a Veem alternative?
Essential security features include:
- PCI DSS Level 1 compliance
- SOC 2 Type II certification
- Multi-factor authentication
- Role-based access controls
- Real-time fraud detection with AI/ML
- Regulatory licenses in operating jurisdictions
All major alternatives meet these standards. Resolve's security measures include bank-level encryption, PCI compliance, and comprehensive fraud protection.
How do real-time payments compare across platforms?
The real-time payments market is growing at 35.4% CAGR (2025-2032):
- Fastest adoption: Manufacturing sector (96% planning implementation)
- Best real-time: Some Corpay services offer true instant settlement
- Good speed: Wise (majority under 20 seconds), Resolve (24-hour advances)
- Standard speed: Veem (1-3 days), Bill.com (standard ACH timing)
By 2028, Deloitte projects $18.9-37 trillion will shift from traditional ACH and checks to real-time payments.
Making the Right Choice
The best Veem alternative depends on your specific business needs. If you need to offer net terms and improve cash flow, Resolve's B2B credit platform provides capabilities Veem simply can't match. For pure international transfers, Wise offers better rates. For complex automation, Bill.com excels.
Consider these factors:
- Payment volume and frequency
- Need for credit extension or net terms
- International vs domestic focus
- Integration requirements
- Budget and ROI expectations
Ready to transform your B2B payments beyond what Veem offers? Get started with Resolve for risk-free net terms and instant payment advances.
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.