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.
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 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.
Versapay's core offering centers on several AR automation functions:
The platform has processed over $170 billion in annual payment volume and handles more than 110 million transactions yearly across its customer base.
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.
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 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.
FundThrough purchases outstanding invoices from businesses, advancing funds typically within 24 hours of approval. The service model includes:
FundThrough uses an invoice factoring model in which businesses receive approved invoice proceeds before the original customer payment date.
Several factors merit careful evaluation when considering FundThrough:
FundThrough supports accounting and invoicing connectivity for invoice funding:
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.
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.
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.
Resolve Pay's AR automation handles the complete invoice-to-cash workflow:
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.
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.
This automated approach helps reduce Days Sales Outstanding while preserving customer relationships through consistent, timely outreach.
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.
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.
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.
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.
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.
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 flexibility determines how well a B2B payments solution fits within existing business systems. The three platforms vary in their connectivity options.
Resolve Pay provides accounting integration coverage including:
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.
Resolve Pay supports integrations with major e-commerce platforms:
Versapay offers e-commerce payment processing through its API and hosted checkout technology.
FundThrough primarily supports invoice factoring through connected accounting and invoicing systems.
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.
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 helps B2B sellers manage important parts of the invoice-to-cash process through:
Resolve Pay serves over 15,000 businesses including manufacturers, distributors, and wholesalers looking to grow sales through competitive payment terms without sacrificing cash flow.
Businesses managing high invoice volumes can use Resolve Pay to streamline receivables processes through:
Resolve Pay helps finance teams manage these processes in a centralized environment while supporting more efficient day-to-day operations.
Businesses offering payment terms can use Resolve Pay to support:
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.
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.
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.
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.
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.
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.