Versapay vs 8fig

Selecting the right B2B payment solution requires understanding the fundamental differences between AR automation platforms, e-commerce financing tools, and integrated net terms providers. While Versapay focuses on accounts receivable automation including invoicing and payment workflows, and 8fig provides growth financing for eligible e-commerce sellers including inventory funding, Resolve Pay delivers comprehensive B2B net terms with integrated financing, AR automation, and payment processing in a single platform. Understanding these distinctions helps B2B distributors, wholesalers, and manufacturers choose the solution that addresses both cash flow acceleration and operational efficiency.

Key Takeaways

• Versapay focuses on accounts receivable automation, including invoicing, payment workflows, and reconciliation, while businesses seeking invoice financing can evaluate financing arrangements alongside their AR software
• 8fig provides growth financing for eligible e-commerce sellers, including private-label and wholesale online businesses, with funding supporting sellers' operations rather than financing purchases made by their B2B customers
• Resolve Pay combines non-recourse net terms financing with full AR automation, delivering advance payments on eligible approved invoices while handling collections automatically and reducing credit risk exposure
• Over 15,000 businesses use Resolve Pay, with customers reporting 90% reduction in AR workload and streamlined buyer credit assessment workflows
• Versapay serves 10,000+ customers primarily in enterprise AR automation, while 8fig has funded $600M+ for e-commerce sellers focused on inventory purchases and operational growth
• Resolve Pay provides native integrations with Shopify, BigCommerce, QuickBooks, and NetSuite, enabling embedded B2B checkout with net terms and connected payment workflows

Understanding B2B Payment Solutions

Versapay, 8fig, and Resolve Pay address different B2B payment and financing needs. While Versapay focuses on AR automation and 8fig provides e-commerce growth capital, Resolve Pay combines financing and AR automation for B2B sellers.

How Each Solution Works

• Versapay (AR Automation): Automates invoice-to-cash workflows through payment reminders, sequencing, payment portals, and reconciliation tools. Its primary value is improving AR team productivity and workflow efficiency.
• 8fig (E-commerce Financing): Provides growth capital and inventory financing for eligible online sellers, including private-label and wholesale businesses using Amazon, Shopify, and similar platforms. Funding supports product purchases and expansion, with repayment structured around business performance.
• Resolve Pay (B2B Financing + AR Automation): Combines buyer credit decisioning, invoice financing, accounts receivable automation, collections, and payment processing in one platform.

The Key Difference

Versapay improves existing receivables workflows, while 8fig finances e-commerce sellers' operations rather than their B2B customers' purchases.

Resolve Pay addresses both cash flow acceleration and operational efficiency, helping eligible B2B sellers access working capital sooner while managing the full trade credit lifecycle, from buyer approval and financing to collections and payment processing.

Versapay

Core Capabilities and Market Position

Versapay positions itself as an enterprise AR automation platform designed to streamline invoice-to-cash workflows. Founded in 2006, the platform has built deep integrations with enterprise ERP systems and serves organizations requiring sophisticated AR process management.

The platform provides several key capabilities:

• Automated invoicing and reminders: Systematic follow-up sequences for outstanding invoices
• Customer payment portal: Self-service access for buyers to view invoices and submit payments
• Cash application: AI-powered matching of payments to invoices
• ERP integration: Native connections to JD Edwards, Microsoft Dynamics 365, NetSuite, and Sage

Versapay maintains a 4.4/5 rating on Capterra based on 30 reviews, with users praising the payment automation features and customer portal experience.

Implementation and Operational Considerations

Enterprise implementation timelines vary depending on ERP complexity, customization requirements, and the scope of the deployment. Organizations with legacy systems or complex multi-entity structures should plan their deployment approach accordingly.

Customer reviews consistently highlight several strengths:

• ACH and card payment automation reduces manual processing
• Intuitive customer portal improves buyer experience
• Strong ERP connectivity maintains data integrity

Reviews also note areas where users have experienced challenges:

• Support accessibility timing between teams
• Integration setup requirements and troubleshooting
• Reporting capabilities relative to some alternatives

AR Automation Without Financing

Versapay's core offering centers on accounts receivable automation, payment processing, and reconciliation. Resolve Pay adds integrated net terms financing and buyer credit assessment to its AR automation capabilities, helping eligible B2B sellers manage cash flow and receivables through a unified platform. This means companies using Versapay may need to evaluate separate arrangements for invoice financing if they want to accelerate cash conversion from 30-90 day payment cycles.

8fig

E-commerce Financing Focus

8fig operates as an e-commerce growth financing platform, providing capital for eligible online sellers to fund inventory purchases, marketing campaigns, and operational expansion. The platform has funded $600M+ across 100,000+ inventory orders since launching in 2020, serving established e-commerce businesses including private-label and wholesale online sellers.

The financing model includes several distinct features:

• Flexible repayment structure: Customized remittance schedules that may be adjusted based on the seller's circumstances and funding agreement
• Real-time plan adjustments: Funding plans can be modified as business conditions change
• Inventory-focused capital: Designed specifically for purchasing products ahead of demand
• Marketplace integration: Connections with Amazon, Shopify, and other e-commerce platforms

Customer feedback on Trustpilot shows a 3.4/5 rating based on 260 reviews, with users appreciating fast funding access and flexible repayment terms.

Target Market and Eligibility

8fig serves eligible e-commerce businesses, including wholesale online sellers, rather than B2B trade credit scenarios. Eligibility requirements include:

• Minimum $100,000 annual revenue
• At least $12,000 average monthly sales
• E-commerce business model (excludes dropshippers and sole proprietors)
• Online marketplace or direct-to-consumer sales channel

This focus means 8fig's funding supports sellers' operations rather than financing purchases made by their B2B customers. The platform finances the seller's inventory needs through customized funding agreements.

Operational Scope for E-commerce

8fig's capabilities reflect its e-commerce financing focus:

• Seller-focused underwriting: 8fig evaluates the seller's business rather than the seller's customers
• Growth financing: Capital for inventory and operations rather than AR automation or payment reconciliation
• E-commerce optimization: Designed for consumer e-commerce workflows rather than B2B purchase processes
• Seller-focused financing: Funding obligations are governed by the seller's agreement with 8fig rather than the payment performance of individual B2B buyers

B2B companies exploring financing options will find 8fig addresses a fundamentally different use case: financing the business itself rather than providing buyer credit assessment, net terms, and AR automation for B2B trade credit.

Resolve Pay

The Integrated B2B Net Terms Platform

Resolve Pay delivers a fundamentally different approach by combining credit decisioning, financing, AR automation, and payment processing into a single platform purpose-built for B2B trade credit. This integration eliminates the need to coordinate separate systems for different functions.

The platform serves over 15,000 businesses, primarily mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. The founding team includes executives from Affirm, PayPal, and Amazon, bringing consumer BNPL expertise to B2B commerce.

Core platform capabilities include:

• Net terms financing: Offer Net 30/60/90 terms while receiving advance payments on eligible approved invoices
• AI credit engine: AI-powered buyer credit assessments that can deliver fast decisions, with timing dependent on verification and underwriting requirements
• AR automation: Invoice generation, payment reminders, reconciliation, and collections management
• Agentic collections: AI-powered multi-channel follow-up across email, SMS, and voice
• Payment portal: White-labeled buyer dashboard accepting ACH, wire, card, and check payments

Non-Recourse Protection on Eligible Invoices

Unlike traditional factoring or revenue-based financing, Resolve Pay provides non-recourse protection on eligible approved financed invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This structure helps reduce credit risk exposure from the seller to Resolve Pay, changing the economics of extending payment terms.

The non-recourse model enables B2B sellers to offer competitive terms to new customers with reduced bad debt exposure. Companies can grow their customer base confidently, knowing that approved transactions include protection against covered buyer credit defaults.

Customer Outcomes and Performance

Resolve Pay customers report measurable improvements across multiple dimensions:

• Archipelago Lighting: Tripled revenue while streamlining net terms approval workflows
• Trenchless Supply: Achieved 90% reduction in AR workload with streamlined credit assessment
• Elston Materials: Increased margins from 25% to 30% through improved cash flow management
• ConEquip: Achieved 30% year-over-year growth after implementing net terms financing

The platform maintains 5.0/5 ratings on both G2 and Capterra, with customers consistently praising support quality, collection efficiency, and operational streamlining.

Accounts Receivable Automation: Comparing Approaches

Versapay AR Capabilities

Versapay provides comprehensive AR automation tools designed for enterprise teams managing high invoice volumes. The platform handles invoice generation, automated payment reminders, customer portals, and cash application matching.

Key AR features include:

• Scheduled email reminders with configurable day thresholds
• Customer self-service portal for invoice viewing and payment submission
• AI-powered cash application matching payments to invoices
• Dispute management workflows for handling customer queries

Versapay helps businesses manage invoice-to-cash workflows. Resolve Pay additionally supports advance payments on eligible approved invoices, connecting AR automation with working capital access.

8fig AR Capabilities

8fig focuses on growth financing and operational planning for e-commerce businesses. Resolve Pay specializes in B2B trade credit, including buyer credit assessment, invoice financing, and accounts receivable automation. B2B companies requiring AR functionality would need to implement entirely separate systems alongside 8fig's e-commerce financing.

Resolve Pay AR Capabilities

Resolve Pay integrates AR automation directly with net terms financing, creating a unified workflow that accelerates cash flow while automating operational tasks. The AR automation platform includes:

• Automated invoice generation: Synced from ERP and accounting systems
• Smart payment reconciliation: ML-powered matching of payments to invoices
• Real-time AR dashboard: DSO tracking, aging analysis, and portfolio health metrics
• Two-way ERP sync: Automatic updates to QuickBooks, Xero, Sage Intacct, and NetSuite

The agentic collections capability adds AI-powered multi-channel outreach:

• Automated sequences across email, SMS, and voice AI
• Intelligent escalation based on buyer response patterns
• Automatic pause when payment or dispute is received
• Complete interaction logging to invoice records

Resolve Pay customers report 90% reduction in manual AR work through this integrated automation approach.

Cash Flow and Financing Solutions

The Versapay Approach

Versapay's primary offering focuses on accounts receivable software and payment workflows. Companies with strong balance sheets may find Versapay suitable for managing efficient AR processes while accepting 30-90 day payment cycles. However, growth-oriented B2B sellers often need both process efficiency and faster cash conversion, which may require evaluating separate factoring arrangements, lines of credit, or invoice financing solutions. This can create several considerations:

• Additional vendor relationships to coordinate
• Separate integration requirements across systems
• Potentially different workflows between AR software and financing provider
• Maintaining unified visibility across receivables and available capital

8fig Financing Model

8fig provides growth financing for eligible online sellers, including businesses that fund inventory purchases ahead of demand. The financing structure differs from B2B trade credit:

• Capital funds the seller's inventory and marketing rather than buyer purchases
• Repayment follows an agreed schedule informed by the seller's business performance
• Underwriting evaluates the seller's e-commerce business rather than the seller's customers
• Funding obligations depend on the applicable financing agreement rather than individual customer invoice collections

The platform serves eligible e-commerce brands managing inventory ahead of seasonal demand. B2B wholesalers and distributors extending payment terms require different capabilities focused on buyer credit, net terms, and AR automation.

Resolve Pay Financing Model

Resolve Pay's financing addresses the specific challenge of B2B trade credit: enabling sellers to offer payment terms while receiving immediate cash. The net terms financing structure includes:

• Advance rates up to 90%: Receive the majority of invoice value shortly after approval
• Flexible terms: Support for Net 15, 30, 60, and 90 day terms
• Non-recourse protection: Sellers generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms
• Remaining balance settlement: Any remaining invoice balance is settled according to the applicable financing agreement and buyer payment terms

The business credit check capability evaluates buyers using AI-powered analysis, business data, and credit expertise to assess buyers, streamlining credit decisions without manual trade reference calls or spreadsheet tracking.

Integration Ecosystem Comparison

Versapay Integrations

Versapay offers strong enterprise ERP connectivity, particularly for legacy systems:

• Native ERP integrations: JD Edwards, Microsoft Dynamics 365, NetSuite, Sage
• API access: Available for custom implementations
• E-commerce: API-based rather than native platform integrations

The enterprise ERP depth makes Versapay suitable for organizations with complex existing infrastructure. However, the e-commerce integration approach requires more development effort compared to native platform connectors.

8fig Integrations

8fig connects with e-commerce platforms for funding purposes:

• Marketplace connections: Amazon, Shopify, and other online selling channels
• Accounting integrations: QuickBooks connect capability
• Focus: Data pulls for underwriting rather than workflow automation

These integrations support the financing use case but do not provide AR automation, payment processing, or B2B checkout functionality.

Resolve Pay Integrations

Resolve Pay provides native integrations across both e-commerce and accounting platforms:

E-commerce platforms:

• Shopify
• BigCommerce
• Magento 2
• WooCommerce

Accounting and ERP:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

The e-commerce integrations enable embedded B2B checkout with net terms, allowing business buyers to apply for credit and complete purchases seamlessly. Resolve Pay supports streamlined onboarding through pre-built integrations and flexible APIs. Actual implementation timelines depend on the systems being connected, configuration needs, and business requirements.

Why Resolve Pay Supports B2B Trade Credit Operations

Different Financial Workflows

Versapay focuses on accounts receivable workflows, including invoicing, payment processing, and reconciliation. 8fig provides growth financing for eligible e-commerce businesses, including funding for inventory and operational needs.

These approaches address different financial processes. B2B sellers extending payment terms must also consider buyer credit assessment, receivables financing, payment collection, and credit risk management.

How Resolve Pay Connects Financing and AR Automation

Resolve Pay combines the core capabilities B2B sellers need to manage trade credit:

• Cash flow acceleration: Receive advance payments on eligible approved invoices
• Flexible payment terms: Offer qualifying business buyers Net 30, 60, or 90 payment terms
• Reduced credit risk: Protection against covered buyer defaults on eligible approved financed invoices, subject to program terms
• AR automation: Streamline invoicing, reminders, collections, and reconciliation
• Embedded payments: Support online and offline B2B transactions through integrated payment workflows
• ERP connectivity: Connect accounting, commerce, and financial systems through supported integrations

Supporting B2B Growth With Resolve Pay

Resolve Pay helps manufacturers, wholesalers, and distributors offer business customers flexible purchasing terms while improving cash flow and reducing receivables administration. By connecting buyer credit assessment, financing, and B2B payments, Resolve Pay provides a unified workflow for managing B2B transactions from credit approval through payment collection.

For B2B sellers seeking both cash flow acceleration and operational efficiency, Resolve Pay provides an integrated approach to managing buyer credit, financing, payments, and accounts receivable. This eliminates the coordination challenges of working with separate vendors for AR software, invoice financing, credit decisioning, and payment processing.

Frequently Asked Questions

How Does Resolve Pay Help B2B Businesses Improve Cash Flow?

Resolve Pay helps eligible B2B sellers receive advance payments on approved invoices while allowing qualifying buyers to pay on agreed net terms. This enables manufacturers, wholesalers, and distributors to offer flexible payment options without waiting for the full buyer payment period before accessing working capital. The platform combines financing with AR automation to streamline both cash flow and receivables management.

Does Resolve Pay Include Accounts Receivable Automation?

Yes. Resolve Pay combines accounts receivable automation with B2B payment and financing workflows. Its capabilities include invoicing, automated payment reminders, collections management, payment reconciliation, and integration with supported accounting systems. This helps businesses reduce manual administrative work and manage their receivables from a centralized platform integrated with their existing financial systems.

What Are Net Payment Terms in B2B Transactions?

Net payment terms allow business buyers to pay an invoice within an agreed period after billing. Common arrangements include Net 30, Net 60, and Net 90, representing payment due in 30, 60, or 90 days respectively. Resolve Pay supports flexible net terms while helping eligible sellers access advance payments on approved invoices, addressing the cash flow gap created by extended payment periods.

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay provides non-recourse financing on eligible approved financed invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to applicable program terms. This helps reduce credit risk while allowing businesses to extend payment terms to qualifying customers. The non-recourse structure differs from traditional factoring arrangements where sellers typically remain liable for customer non-payment.

Which Platforms Does Resolve Pay Integrate With?

Resolve Pay supports integrations with leading e-commerce, accounting, and ERP platforms, including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Integration capabilities and implementation requirements vary by platform, configuration, and workflow. Resolve Pay also offers flexible APIs for customized integrations. These connections enable businesses to embed net terms into their existing sales and financial workflows.

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.