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.
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.
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 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:
Versapay maintains a 4.4/5 rating on Capterra based on 30 reviews, with users praising the payment automation features and customer portal experience.
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:
Reviews also note areas where users have experienced challenges:
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 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:
Customer feedback on Trustpilot shows a 3.4/5 rating based on 260 reviews, with users appreciating fast funding access and flexible repayment terms.
8fig serves eligible e-commerce businesses, including wholesale online sellers, rather than B2B trade credit scenarios. Eligibility requirements include:
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.
8fig's capabilities reflect its e-commerce financing focus:
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 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:
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.
Resolve Pay customers report measurable improvements across multiple dimensions:
The platform maintains 5.0/5 ratings on both G2 and Capterra, with customers consistently praising support quality, collection efficiency, and operational streamlining.
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:
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 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 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:
The agentic collections capability adds AI-powered multi-channel outreach:
Resolve Pay customers report 90% reduction in manual AR work through this integrated automation 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:
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:
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'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:
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.
Versapay offers strong enterprise ERP connectivity, particularly for legacy systems:
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 connects with e-commerce platforms for funding purposes:
These integrations support the financing use case but do not provide AR automation, payment processing, or B2B checkout functionality.
Resolve Pay provides native integrations across both e-commerce and accounting platforms:
E-commerce platforms:
Accounting and ERP:
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.
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.
Resolve Pay combines the core capabilities B2B sellers need to manage trade credit:
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.
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.
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.
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.
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.
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.