Versapay vs Clarify Capital

B2B suppliers often face a challenging decision when addressing cash flow: invest in AR automation software to streamline invoice processing, or secure business financing to inject working capital. Versapay delivers collaborative accounts receivable automation for companies seeking process efficiency, while Clarify Capital connects businesses to a marketplace of lenders for general financing needs. Resolve Pay addresses a related challenge for B2B sellers: offering extended payment terms while accessing cash from eligible approved invoices sooner. Resolve Pay bridges the gap between buyer expectations and supplier cash flow by combining net terms financing with full AR automation in a single platform, delivering both upfront cash and operational efficiency without requiring separate vendors.

Key Takeaways

• Versapay operates as a collaborative AR automation platform connecting 5 million+ companies in its network, focusing on invoice-to-cash workflow efficiency
• Clarify Capital functions as a loan marketplace with 75+ lending partners, helping businesses access term loans, SBA financing, and lines of credit
• Resolve Pay combines non-recourse net terms financing with AI-powered AR automation, advancing up to 90-100% of invoice value within 1-2 business days while buyers pay on extended terms
• Versapay requires suppliers to wait for customer payment and retain credit risk, while Resolve Pay transfers covered buyer-default risk through its non-recourse model on eligible approved transactions
• Resolve Pay serves 15,000+ businesses with native integrations for Shopify, BigCommerce, Magento, QuickBooks, NetSuite, and Sage Intacct
• Implementation timelines vary: Resolve Pay launches most teams in under one week, while Versapay deployments typically require 8-16 weeks

Understanding the B2B Payments Landscape

The B2B payments technology market encompasses distinct solution categories serving different operational needs. Understanding these differences helps finance leaders select tools aligned with their cash flow objectives.

AR automation platforms like Versapay focus on streamlining the invoice-to-cash process through digital invoicing, payment portals, and collections workflows. These systems help finance teams manage receivables more efficiently but do not change when suppliers actually receive payment.

Business loan marketplaces like Clarify Capital connect companies with lenders offering various financing products. These financing products generally follow repayment structures established by the selected lender and financing product.

Net terms financing platforms like Resolve Pay take a different approach by connecting net terms financing directly with credit, payments, and accounts receivable workflows. Suppliers offer buyers extended payment terms while receiving immediate payment themselves, with the financing provider assuming credit risk on eligible approved invoices.

Versapay

Platform Overview and Capabilities

Versapay positions itself as a collaborative AR automation platform designed to make finance teams more productive. The platform provides digital invoicing, a customer-facing payment portal, collections workflow automation, and cash application features that help companies manage their accounts receivable processes.

The collaborative network represents Versapay's distinctive feature, connecting buyers and suppliers to facilitate invoice visibility and dispute resolution. With 5 million+ companies in its network, the platform enables customers to view invoices, raise disputes, and make payments through a self-service portal.

Versapay's cash application module achieves approximately 90% straight-through processing, automatically matching incoming payments to open invoices. This automation reduces manual reconciliation work for finance teams processing high transaction volumes.

Integration Ecosystem

Versapay provides ERP connectivity, particularly with NetSuite and Sage Intacct. The platform positions itself as best suited to NetSuite-running mid-market companies with complex financial workflows. Bi-directional data sync enables real-time visibility between the AR platform and accounting systems.

The platform supports multiple payment methods including ACH, credit cards, virtual cards, and wire transfers. Multi-currency and multi-language capabilities serve companies with international operations.

User Satisfaction and Feedback

Versapay maintains user ratings across review platforms, earning 4.4/5 on Capterra from 29 reviews with a 90% recommendation rate. Software Advice reports similar scores, with users praising ease of use (4.7/5 rating).

Common praise centers on:

• Quick implementation for standard use cases
• Intuitive customer portal experience
• ERP connectivity with NetSuite and Sage Intacct
• Cash application automation

Implementation Requirements

Implementation requirements vary based on ERP configuration, payment workflows, and deployment scope. Companies evaluating AR automation should review integration requirements and internal resources as part of implementation planning. Typical deployments range from 8-16 weeks depending on complexity.

Clarify Capital

Business Model and Services

Clarify Capital operates as a loan marketplace connecting businesses with financing from 75+ lending partners. Rather than lending directly, Clarify matches borrowers with appropriate products including term loans, lines of credit, SBA loans, equipment financing, and merchant cash advances.

The marketplace model provides access to diverse financing structures through a single application. Businesses describe their needs and Clarify's advisors identify suitable lenders, simplifying the comparison process. Available financing amounts and repayment terms vary based on the lending product, borrower qualifications, and selected lender.

Service Quality and Reputation

Clarify Capital maintains customer reviews on Trustpilot, with feedback discussing staff communication, financing guidance, and advisory support.

The advisory model provides value for businesses unfamiliar with financing options. Dedicated advisors guide borrowers through product selection, helping them understand the implications of different loan structures.

Qualification Requirements

Clarify works with businesses across a range of credit profiles. Minimum credit score requirements vary by lender and financing product, with certain financing options available to businesses across a broader range of credit profiles. This flexibility helps companies with challenged credit histories access capital.

Funding speed varies by product type. Same-day funding is available for some short-term products, while SBA loans may require 2-6 weeks for processing.

Resolve Pay

The Hybrid Model Advantage

Resolve Pay combines net terms financing with comprehensive AR automation in a unified workflow. This hybrid approach addresses both the cash flow timing problem and the operational efficiency challenge simultaneously.

The platform enables suppliers to offer buyers Net 30, 60, or 90-day payment terms while receiving up to 90-100% of invoice value within 1-2 business days. Buyers get the payment flexibility they expect from B2B relationships, while suppliers get immediate access to cash previously locked in receivables.

Non-Recourse Protection

Resolve Pay differentiates its approach through non-recourse protection on eligible approved transactions. For eligible approved transactions covered by Resolve Pay's non-recourse structure, covered buyer-default risk is assumed by Resolve Pay, subject to applicable program terms.

This risk transfer enables growth strategies:

• Extend terms to new customers with reduced bad debt exposure
• Pursue larger opportunities with unfamiliar buyers
• Compete against larger competitors offering generous terms
• Reduce the need for extensive internal credit management

AI-Powered Credit Decisions

Resolve Pay's proprietary credit engine evaluates buyers using AI, behavioral signals, and business data. Qualifying buyers can receive rapid credit decisions, while more complex assessments may take up to 24 business hours. Resolve Pay also supports discreet credit checks using basic business information, helping sellers streamline credit evaluation without requiring lengthy buyer applications.

This faster credit workflow can help sales and finance teams respond to buyers sooner while keeping credit decisions subject to Resolve Pay's underwriting and buyer verification requirements.

Dynamic credit lines adjust automatically based on payment history, increasing limits for reliable payers and reducing exposure to inconsistent ones. This continuous optimization happens without manual intervention.

Comprehensive AR Automation

Beyond financing, Resolve Pay delivers full accounts receivable automation including:

• Automated invoicing: Invoice generation syncs from ERP and accounting systems
• Smart reconciliation: Machine learning matches incoming payments to invoices automatically
• Real-time dashboards: Visibility into DSO, aging, and portfolio health
• Bookkeeping sync: Bi-directional integration with QuickBooks, Xero, Sage Intacct, and NetSuite
• White-labeled payment portal: Branded buyer experience maintains supplier identity

Agentic Collections

Resolve Pay's agentic collections capabilities automate follow-up sequences across email, SMS, and voice AI. Intelligent escalation adjusts approach based on buyer response patterns and payment history. The system pauses automatically when payments or disputes are received, maintaining complete audit trails.

This automation preserves customer relationships through professional communication while eliminating manual tracking work.

Implementation and Integration

Resolve Pay launches most teams in under one week. Native integrations support:

• Ecommerce platforms: Shopify, BigCommerce, Magento 2, WooCommerce with embedded checkout
• Accounting systems: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Payment methods: ACH, wire transfer, credit card, and check

The ecommerce integration enables B2B merchants to embed net terms directly into online checkout flows, offering approved buyers "Pay with Net 30" alongside traditional payment methods.

Security and Platform Controls

Organizations with specific security or regulatory requirements should review Resolve Pay's current security documentation during their vendor assessment.

Customer Results

Resolve Pay customer outcomes demonstrate the platform's impact:

• SS&SI Dealer Network: Achieved 5x revenue growth
• ConEquip: 30% year-over-year growth in construction equipment sales
• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to under 24 hours
• Nandansons: 75% growth through partnership implementation
• Elston Materials: Increased margins from 25% to 30%
• Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours

Invoice Financing vs Working Capital Loans

When B2B suppliers evaluate their options, understanding the distinction between invoice financing and general working capital loans clarifies which approach fits different situations.

How Invoice Financing Works

Invoice financing converts outstanding receivables into immediate cash. Suppliers submit invoices for customers who owe payment on extended terms, and the financing provider advances a percentage upfront.

Factoring generally involves selling or assigning receivables to a financing provider. Collection responsibilities and customer communication vary by factoring arrangement, including whether the provider or supplier manages payment follow-up.

Non-recourse financing like Resolve Pay offers represents a modern evolution. The supplier maintains the customer relationship while the financing provider assumes credit risk on eligible approved invoices. For eligible approved transactions covered by Resolve Pay's non-recourse structure, Resolve Pay assumes covered buyer-default risk, subject to applicable program terms.

How Working Capital Loans Work

Working capital loans through marketplaces like Clarify Capital provide lump-sum funding with scheduled repayment terms. The loan amount, interest rate, and payment schedule depend on business creditworthiness rather than specific invoices.

These loans suit needs unrelated to receivables timing:

• Inventory purchases before sales occur
• Equipment acquisition
• Real estate deposits
• Seasonal cash flow gaps
• General expansion capital

B2B Payment Processing Compared

Modern B2B payment solutions must accommodate diverse buyer preferences while maintaining operational efficiency. The platforms in this comparison support different payment capabilities.

Versapay accepts ACH, credit cards, virtual cards, and wire transfers through its buyer portal. The platform focuses on making it easy for customers to pay through their preferred method.

Clarify Capital focuses on connecting businesses with financing providers and products. Resolve Pay, by comparison, focuses on the seller's credit-to-cash workflow by combining net terms, credit decisioning, payments, receivables automation, and collections.

Resolve Pay supports ACH, wire transfer, credit card, and check payments through its branded payment portal.

Resolve Pay also supports ecommerce checkout workflows across platforms including Shopify, BigCommerce, Magento, and WooCommerce, allowing eligible B2B buyers to access net terms within the purchasing experience.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for B2B sellers that want to offer flexible payment terms while strengthening cash flow and reducing the operational burden of managing receivables.

Resolve Pay is especially relevant when:

• Customers expect Net 30, Net 60, Net 90, or other supported payment terms
• Sellers want earlier access to cash from eligible approved invoices
• Buyer credit risk makes extending terms difficult to manage internally
• Finance teams spend significant time on invoicing, reconciliation, and collections
• Ecommerce, ERP, and accounting integrations are important to the credit-to-cash workflow
• A unified platform for net terms, credit decisioning, payments, and AR automation can simplify operations

By connecting these workflows, Resolve Pay helps suppliers extend buyer purchasing power while keeping cash flow and receivables management aligned. The platform's combination of net terms financing, B2B payments, AR automation, and agentic collections delivers a comprehensive solution for B2B credit-to-cash operations.

Frequently Asked Questions

What is the main difference between invoice financing and a business loan?

Invoice financing provides advances specifically tied to outstanding receivables. Suppliers receive cash for invoices already issued to customers. Business loans provide general working capital with repayment schedules independent of customer payment behavior. Invoice financing scales with revenue already earned, while loans create debt obligations regardless of invoice collection.

How Does Resolve Pay Help B2B Sellers Get Paid Faster?

Resolve Pay allows eligible sellers to offer approved buyers extended payment terms while receiving an advance on qualifying approved invoices. This connects buyer payment flexibility with earlier access to working capital for the seller. The platform handles credit decisions, invoicing, payments, and collections in one workflow.

How does non-recourse financing protect suppliers?

For eligible approved transactions covered by Resolve Pay's non-recourse structure, Resolve Pay assumes covered buyer-default risk, subject to applicable program terms. This enables suppliers to extend terms to new customers with reduced exposure to catastrophic bad debt losses while maintaining their buyer relationships.

What Types of Businesses Use Resolve Pay?

Resolve Pay is designed for B2B merchants, manufacturers, wholesalers, distributors, and other sellers that extend payment terms and want to streamline credit, invoicing, payments, reconciliation, and collections. The platform serves businesses across industries including manufacturing, distribution, construction, and ecommerce.

How Long Does Resolve Pay Implementation Take?

Implementation depends on the systems and workflows being connected. Resolve Pay supports native ecommerce, accounting, and ERP integrations as well as flexible APIs, helping businesses connect net terms and AR workflows with their existing technology stack. Most teams launch in under one week.

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.