Versapay vs FundThrough

Selecting the right B2B payments solution can determine whether your business maintains healthy cash flow or struggles with capital constraints while waiting 30 to 90 days for customer payments. Versapay operates as an enterprise AR automation platform focused on invoice-to-cash workflows, while FundThrough provides invoice factoring for businesses needing quick access to working capital. Both serve different purposes within the B2B payments landscape. Resolve Pay takes an integrated approach by combining net terms, credit decisioning, invoice advances, and comprehensive AR automation into a single platform. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that aligns with their growth objectives and operational requirements.

Key Takeaways

• Versapay focuses on collaborative AR automation with over 110 million transactions annually across enterprise ERP systems, emphasizing invoice-to-cash workflows and payment processing without financing capabilities
• FundThrough offers selective invoice factoring with funding potentially available the next business day after approval, though repayment obligations and credit risk allocation depend on the specific factoring agreement
• Resolve Pay combines AI credit decisioning, flexible net terms, invoice advances, and accounts receivable automation in a single platform designed for B2B sellers seeking integrated payment workflows
• Resolve Pay integrates with Shopify, BigCommerce, WooCommerce, and Magento, enabling eligible B2B buyers to access net terms within supported checkout workflows
• The global AR automation market is projected to reach $12.9 billion by 2033, growing at 13.2% CAGR. The global invoice factoring market is projected to reach approximately $4.86 trillion in 2026
• Resolve Pay offers non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms

Understanding the B2B Payments Landscape: AR Automation vs Invoice Factoring

The B2B payments technology market encompasses distinct solution categories serving different operational needs. Understanding these fundamental differences helps finance teams select tools aligned with their specific challenges.

AR automation platforms like Versapay focus on streamlining accounts receivable workflows through digital invoicing, automated payment reminders, cash application matching, and customer portals. The value proposition centers on reducing manual AR tasks and improving collection efficiency. However, pure AR automation platforms do not address the underlying cash flow challenge of waiting 30 to 90 days for customer payments.

Invoice factoring services like FundThrough take a different approach by purchasing outstanding invoices at a discount, providing immediate cash to sellers. The factoring company then collects payment from the original customer. While this model accelerates cash access, it creates a transactional relationship where each invoice requires separate funding decisions.

Integrated B2B payment platforms like Resolve Pay combine credit management, financing, and accounts receivable capabilities within connected workflows. By bringing together credit decisioning, net terms management, invoice advances, and AR automation, Resolve Pay helps businesses reduce the complexity of managing these processes across separate systems.

Versapay

Versapay positions itself as a collaborative AR automation platform designed for enterprise finance teams managing complex invoice-to-cash workflows. Founded in 2006 and headquartered in Miami, the company has built a substantial customer base focused on streamlining receivables operations.

Platform Capabilities

Versapay's core offering centers on several AR automation functions:

• Digital invoicing and presentment that delivers invoices electronically to customers through a branded portal
• Automated collections workflows with extensive notification options for payment reminders and escalation sequences
• AI-powered cash application that matches incoming payments to open invoices across multiple payment channels
• Customer collaboration portal enabling buyers to view account status, dispute invoices, and make payments through self-service
• Payment processing supporting ACH, credit cards, virtual cards, and wire transfers

The platform has processed over $170 billion in annual payment volume and handles more than 110 million transactions yearly across its customer base.

Integration Ecosystem

Versapay provides native integrations with select enterprise ERP systems including NetSuite, Sage Intacct, and Microsoft Dynamics 365. The platform also offers an open API and flat-file import capabilities for custom integrations.

Versapay primarily offers published ERP integrations for platforms such as NetSuite, Sage Intacct, and Microsoft Dynamics 365. QuickBooks Online and Xero are not listed among its standard native connectors, although API-based or custom integration options may be available. Versapay supports e-commerce payment processing through its API and hosted checkout technology.

Financing Capabilities

Versapay does not provide financing capabilities. The platform automates AR workflows but does not advance cash against outstanding invoices or offer buyer credit decisioning. Businesses using Versapay must establish separate financing arrangements through banks, factoring companies, or other capital providers to address cash flow needs.

FundThrough

FundThrough operates as an AI-powered invoice factoring service targeting small businesses needing immediate access to working capital tied up in outstanding invoices. Based in Toronto, the company focuses on fast funding without long-term contracts.

Factoring Model

FundThrough purchases outstanding invoices from businesses, advancing funds typically within 24 hours of approval. The service model includes:

• Selective invoice factoring with advance amounts determined by invoice eligibility and buyer creditworthiness
• Flexible funding arrangements after the initial funding, providing options to factor invoices as needed
• QuickBooks integration for straightforward invoice submission and tracking
• Customer eligibility assessment based on the creditworthiness of invoice debtors rather than the seller's credit

FundThrough uses an invoice factoring model in which businesses receive approved invoice proceeds before the original customer payment date.

Program Considerations

Several factors merit careful evaluation when considering FundThrough:

• Credit risk allocation: Recourse obligations and responsibility for unpaid invoices depend on the specific FundThrough agreement and applicable program terms
• Initial funding eligibility: FundThrough applies eligibility and verification requirements to first-time funding requests. Businesses should confirm current requirements directly before applying
• Notice of Assignment: FundThrough sends notification to invoice debtors informing them that the invoice has been sold to a third party
• Invoice funding focus: The platform primarily supports selective invoice factoring, invoice submission, and related funding and collection workflows

Integration Support

FundThrough supports accounting and invoicing connectivity for invoice funding:

• QuickBooks integration for invoice submission
• OpenInvoice integration and Xero support available through applicable onboarding workflows
• Manual invoice submission where supported
• Accounting and invoicing integrations for funding workflows; custom API capabilities should be confirmed for the intended implementation

Resolve Pay: The Integrated B2B Payments Platform

Resolve Pay takes a fundamentally different approach by combining net terms financing, AI credit decisioning, accounts receivable automation, and agentic collections into a unified platform purpose-built for B2B sellers. This integrated model eliminates the need to manage separate vendors for credit checks, financing, invoicing, and collections.

Non-Recourse Financing

Resolve Pay offers non-recourse financing on eligible approved invoices, helping protect sellers against covered buyer credit defaults, subject to the applicable agreement. Resolve Pay offers upfront advances on eligible approved invoices, with funding generally available within 24 to 48 hours after approval and completion of applicable requirements. Advance amounts vary based on buyer eligibility and the financing arrangement. Buyers can receive approved Net 30, 60, or 90 payment terms, while any remaining invoice balance is handled according to the applicable agreement.

AI Credit Engine

Resolve Pay's AI-powered credit engine evaluates buyer creditworthiness using financial information and behavioral signals. Credit assessments can be completed within 24 business hours, with instant decisions available for qualifying transactions. These capabilities help businesses streamline credit evaluations and reduce reliance on manual underwriting processes.

Resolve Pay provides buyer credit assessments and credit line recommendations informed by available financial and payment information. Its quiet credit assessment process can evaluate businesses using basic identifying information, helping sellers assess potential buyers without requiring a traditional credit application at the initial stage. Final credit decisions and approved limits remain subject to underwriting and eligibility requirements.

AR Automation Platform

Resolve Pay's AR automation handles the complete invoice-to-cash workflow:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match payments to invoices automatically
• Real-time AR dashboard showing DSO, aging reports, and portfolio health metrics
• Automated bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite
• Multi-channel payment acceptance including ACH, wire transfers, credit cards, and checks through a white-labeled buyer portal

Resolve Pay's accounts receivable automation helps reduce manual invoice processing, payment tracking, reconciliation, and collections follow-ups. Actual operational savings depend on invoice volume, existing workflows, and the level of automation implemented.

Agentic Collections

Resolve Pay's agentic collections capability automates follow-up sequences across email, SMS, and voice AI with intelligent escalation based on buyer response and payment history. The system.

• Initiates contact automatically at configurable day thresholds
• Pauses sequences when payments or disputes are received
• Logs all interactions to invoice records
• Escalates to human agents when appropriate
• Maintains professional, relationship-preserving communication

This automated approach helps reduce Days Sales Outstanding while preserving customer relationships through consistent, timely outreach.

E-commerce Integration

Resolve Pay supports integrations with major e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento. These integrations enable B2B sellers to offer net terms directly at checkout, with AI credit decisions occurring in real time as buyers complete purchases.

Feature Comparison: What Each Platform Offers

Net Terms and Financing

Resolve Pay offers approved Net 30, 60, and 90 payment terms, upfront advances on eligible invoices, and non-recourse protection against covered buyer credit defaults, subject to program terms.

Versapay does not provide financing capabilities and requires separate arrangements for working capital needs.

FundThrough provides selective invoice factoring with funding potentially available the next business day after approval. Repayment obligations depend on the factoring agreement.

Credit Decisioning

Resolve Pay uses AI-powered buyer credit assessments, credit line recommendations, and streamlined approval workflows.

Versapay does not offer credit decisioning functionality.

FundThrough evaluates customer creditworthiness to determine invoice funding eligibility.

AR Automation

Resolve Pay provides complete invoice-to-cash automation including generation, reconciliation, dashboards, and bookkeeping sync.

Versapay offers AR automation with extensive notification capabilities and AI cash application.

FundThrough supports invoice factoring workflows supported by connected accounting and invoicing systems.

Collections

Resolve Pay delivers multi-channel agentic collections across email, SMS, and voice AI with automated escalation.

Versapay provides automated collections workflows with extensive notification capabilities.

FundThrough handles collections on factored invoices through its internal processes.

Buyer Experience

Resolve Pay offers a white-labeled payment portal maintaining seller brand throughout the buyer journey.

Versapay provides a customer portal for self-service account management.

FundThrough sends Notice of Assignment to buyers informing them of invoice sale to third parties.

Integration Capabilities: Connecting Your Tech Stack

Integration flexibility determines how well a B2B payments solution fits within existing business systems. The three platforms vary in their connectivity options.

ERP and Accounting Integrations

Resolve Pay provides accounting integration coverage including:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite
• Two-way sync for invoice and payment data

Versapay focuses on enterprise ERP systems including NetSuite, Sage Intacct, and Microsoft Dynamics 365. QuickBooks Online and Xero are not listed among its standard native connectors; custom integration options may be available.

FundThrough supports QuickBooks integration for invoice submission, OpenInvoice integration, and Xero support available through applicable onboarding workflows.

E-commerce Platform Support

Resolve Pay supports integrations with major e-commerce platforms:

• Shopify
• BigCommerce
• WooCommerce
• Magento 2

Versapay offers e-commerce payment processing through its API and hosted checkout technology.

FundThrough primarily supports invoice factoring through connected accounting and invoicing systems.

API Availability

All three platforms offer API access for custom integrations. Resolve Pay provides a REST API with webhooks and a sandbox environment for development. Versapay offers an open API and flat-file import capabilities. FundThrough supports accounting and invoicing integrations for funding workflows; custom API capabilities should be confirmed for the intended implementation.

How Resolve Pay Supports Different B2B Payment Needs

Manufacturers, distributors, wholesalers, and other B2B sellers often need to manage customer credit, payment terms, cash flow, and accounts receivable within the same financial workflow. Resolve Pay addresses these connected requirements through its integrated payments platform.

Resolve Pay for Growing B2B Businesses

Resolve Pay helps B2B sellers manage important parts of the invoice-to-cash process through:

• Net terms as a growth driver: Offering buyers flexible payment terms at checkout increases order sizes and conversion rates while Resolve Pay provides immediate cash access
• Reduced credit risk: Non-recourse protection on eligible approved financed invoices helps protect sellers from covered buyer defaults, subject to program terms
• Integrated automation: Combining credit, financing, invoicing, collections, and payments in one platform eliminates multi-vendor complexity
• E-commerce B2B sales: Native Shopify, BigCommerce, WooCommerce, and Magento integrations enable terms directly at checkout
• White-label buyer experience: Maintain brand consistency throughout the payment journey

Resolve Pay serves over 15,000 businesses including manufacturers, distributors, and wholesalers looking to grow sales through competitive payment terms without sacrificing cash flow.

Resolve Pay for Accounts Receivable Automation

Businesses managing high invoice volumes can use Resolve Pay to streamline receivables processes through:

• Automated invoice workflows: Reduce repetitive administrative tasks involved in managing invoices and customer payments
• Payment reconciliation: Connect payment activity with invoice records and supported accounting systems
• Collections automation: Coordinate payment reminders, follow-ups, and overdue account management
• Receivables visibility: Monitor outstanding invoices, aging balances, and customer payment activity

Resolve Pay helps finance teams manage these processes in a centralized environment while supporting more efficient day-to-day operations.

Resolve Pay for Working Capital and Net Terms

Businesses offering payment terms can use Resolve Pay to support:

• Upfront invoice advances: Access funds against eligible approved invoices before buyers complete payment
• Flexible net terms: Offer qualifying customers approved payment periods that fit their purchasing requirements
• Buyer credit assessments: Evaluate customer creditworthiness through AI-assisted underwriting
• Non-recourse protection: Reduce exposure to covered buyer credit defaults on eligible approved financed invoices

This approach helps businesses offer customer-friendly payment terms while maintaining access to working capital. Customer results validate this approach. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours. SS&SI Dealer Network achieved 5x revenue growth through the platform. ConEquip achieved 30% year-over-year growth after improving its customer payment terms and financing workflows.

Frequently Asked Questions

How Does Resolve Pay Combine Net Terms and AR Automation?

Resolve Pay combines buyer credit assessments, approved net terms, invoice advances, payment processing, reconciliation, and collections automation within one platform. This helps B2B sellers offer flexible payment terms while reducing manual receivables management. Its integrated workflows support finance teams that need to manage customer credit, cash flow, and invoice payments together.

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

Resolve Pay offers non-recourse advances on eligible approved invoices. Under the applicable agreement, sellers are generally protected from repayment obligations arising solely from covered buyer credit defaults. Eligibility, advance amounts, exclusions, and other obligations depend on program terms. Businesses should review those terms to understand which risks are covered.

Does Resolve Pay Integrate With QuickBooks and Xero?

Yes. Resolve Pay supports QuickBooks Online and Xero integrations alongside NetSuite and Sage Intacct. These integrations help businesses connect invoice information, payment activity, and accounts receivable workflows. Available synchronization features and implementation requirements depend on the connected system.

How Does Resolve Pay Support B2B E-Commerce Integrations?

Resolve Pay integrates with Shopify, BigCommerce, WooCommerce, and Magento to help merchants offer net terms during supported checkout workflows. Its platform combines buyer credit assessments, approved payment terms, and accounts receivable management. Integration requirements and available capabilities depend on the merchant's e-commerce configuration.

What Are the Typical Funding Timelines Across These Platforms?

FundThrough offers funding potentially available the next business day after approval. Resolve Pay provides upfront advances generally available within 24 to 48 hours after approval and completion of applicable requirements, while also providing integrated AR automation. Versapay does not provide financing, so businesses must arrange separate capital sources.

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.