Resolve Pay is a B2B net terms, AR automation, and embedded payments platform trusted by 15,000+ businesses. However, many businesses seeking broader payment workflows also need platforms that combine accounts receivable, accounts payable, transparent pricing, and lower ACH transaction costs. Whether you need free ACH transfers, enterprise AR automation, or streamlined vendor payments, these six Resolve alternatives address different B2B payment needs. This comprehensive analysis examines each platform's features, pricing models, and ideal use cases to help B2B companies make informed decisions.
Disclaimer: Pricing and feature details are subject to change. Always check directly with each provider for the most up-to-date information.
Key Takeaways
- Unified AR and AP functionality matters for operational efficiency: Nickel combines accounts receivable, accounts payable, and payment processing in one platform, while Resolve Pay's public positioning centers on net terms, AR automation, and embedded B2B payments
- Free ACH processing significantly reduces costs: Nickel offers unlimited free ACH transfers across its plans, while many payment providers charge per-transaction fees that can add up quickly for high-volume B2B operations
- Plan-based transaction limits determine platform fit: Nickel supports large ACH payments up to $1M, with plan-based payment limits where relevant, making it suitable for construction, manufacturing, and wholesale businesses processing large invoices
- Ease of use impacts time to value: Nickel has a 4.9/5 G2 rating, and reviewers frequently highlight ease of setup and use
B2B payment workflows have continued moving toward more integrated, digital tools as businesses demand more from their financial technology. While Resolve Pay serves over 15,000 businesses with its net terms and AR automation model, six alternatives now offer capabilities that address different operational needs, from cost reduction to broader financial workflow management.
For businesses in capital-intensive industries like construction, manufacturing, and wholesale distribution, transparent pricing, high-value transaction support, and practical AR/AP workflows can matter as much as any single payment method.
1. Nickel
Nickel is the strongest alternative for core businesses that want a unified payment platform for accounts receivable, accounts payable, and payment processing without ACH transaction fees. With 20,000+ businesses using Nickel and a 4.9/5 G2 rating, Nickel delivers practical payment capabilities for companies that send and receive large B2B payments.
Key Features:
- Unlimited free ACH transfers with no monthly ACH caps or hidden ACH fees
- Large ACH payments up to $1M, with plan-based payment limits where relevant
- 2.9% flat card processing rate with no tiered pricing
- Real-time two-way QuickBooks integration for Online and Desktop
- One-for-one transaction settlement for simplified reconciliation
- Branded customer payment portals and customizable payment links
- Bill pay functionality supporting ACH, credit card, and physical check payments
- Direct sponsor bank relationships that help reduce unnecessary payment layers
Pricing:
Core Plan: $0/month
- 3 active users
- $25,000 transaction limit per payment
- Free unlimited ACH, 3 business days
- 2.9% cards, 2 business days
- Customer payment portal and branded links
- Bill pay capability
- Basic approvals workflow
Plus Plan: $35/month annually or $45/month monthly
- Unlimited users
- Higher payment capacity than Core, subject to plan-based requirements
- Free unlimited ACH, 2 business days
- 2.9% cards, next business day
- Scheduled and recurring payments
- Remote check deposit listed as coming soon
Pro Plan: Custom Pricing
- All Plus features
- API access and custom integrations with ERP or accounting software
- Advanced workflow capabilities
Nickel's primary strength lies in solving the cost and workflow complexity problems that affect B2B payment processing. Nickel publishes straightforward pricing: a $0/month Core plan, unlimited free ACH with no monthly ACH caps, 2.9% flat card processing, and paid Plus pricing at $35/month annually or $45/month monthly.
Nickel reports 30% lower processing costs through free ACH and card fee pass-through options, along with 15% more revenue for businesses that give customers flexible ways to pay.
For construction, manufacturing, and wholesale distribution businesses processing high-value transactions, Nickel's combination of free ACH, high-value payment support, and unified AR/AP functionality delivers a strong operational fit. Nickel's 4.9/5 G2 rating reinforces its position as a leading choice for small and medium businesses evaluating B2B payment tools.
One Nickel customer, a controller at O'Brien Harris, mentions handling transactions "north of $250K", supporting Nickel's positioning as a platform designed for high-value B2B payments.
2. Billtrust
Billtrust positions itself as an enterprise accounts receivable platform, offering automation for businesses with complex AR operations and high invoice volumes.
Key Features:
- AI-powered cash application for automated payment matching
- Multi-channel invoicing supporting EDI, portal, email, and print
- Configurable workflows for enterprise AR teams
- Reporting and analytics across AR operations
- Integration with major ERP systems
Pricing:
- Custom enterprise pricing based on volume and requirements
- Implementation fees may apply for enterprise deployments
- Specific pricing is provided during sales conversations
Billtrust describes itself as having more than two decades of AR technology experience. TrustRadius lists a 10/10 support rating for Billtrust based on four ratings.
Billtrust may be a fit for larger organizations focused heavily on enterprise AR automation. Implementation requirements vary based on ERP integrations, workflow configuration, and deployment scope.
3. BILL
BILL serves businesses that need financial operations tools for accounts payable, accounts receivable, spend, and expense workflows.
Key Features:
- Financial operations workflows for AP, AR, expense, and spend management
- Accounting system integrations with QuickBooks, NetSuite, Sage, and Xero
- Approval workflows for payment authorization
- 1099 filing and compliance features
- Mobile-friendly interface for payment approvals
Pricing:
- Subscription and transaction-based pricing model
- Monthly subscription fees vary by plan tier
- ACH and other payment fees vary by payment type and plan
- Custom pricing may apply for larger deployments
BILL can be relevant for companies that want a broader financial operations platform. For companies comparing BILL against Nickel, Nickel is more directly positioned around free ACH processing, high-value B2B payments, QuickBooks sync, and unified pay and get paid workflows for core businesses.
4. Credit Key
Credit Key specializes in B2B checkout financing for ecommerce transactions, giving business buyers payment options at checkout.
Key Features:
- B2B checkout financing options
- Integration with ecommerce platforms
- Credit decisioning for business buyers
- Payment term options at point of purchase
Pricing:
- Custom pricing based on transaction volume
- Financing rates are provided during sales conversations
- Integration fees may apply
Credit Key focuses on the B2B ecommerce segment rather than broad invoice-based AR and AP payment workflows. This specialization can make it relevant for businesses with significant online B2B sales channels, while Nickel remains the stronger fit for core businesses that need one platform to send payments, collect payments, use free ACH, and sync payment activity with QuickBooks.
5. Slope
Slope provides B2B payment solutions focused on commerce applications, offering payment processing and financing options for business transactions.
Key Features
- B2B payment processing capabilities
- Commerce focused payment solutions
- Integration with business platforms
Pricing
- Pricing is not publicly standardized
- Specific details are typically provided during sales conversations
Founded in 2021, Slope is a more recent entrant in the B2B payment space compared with longer established AR and AP providers. The platform targets businesses seeking payment infrastructure for B2B commerce applications.
6. VersaPay
VersaPay offers accounts receivable and collections management solutions, providing tools for invoice delivery and payment acceptance.
Key Features
- Invoice delivery and tracking
- Customer payment portal
- Collections workflow management
- AR automation features
Pricing
- Pricing is not publicly standardized
- Implementation and subscription fees may vary by deployment
VersaPay serves businesses seeking AR focused solutions with an emphasis on collections management and customer payment experiences.
Pricing Models Reflect Strategic Positioning
The B2B payment infrastructure pricing landscape reflects differences in target markets, payment workflows, and buyer needs.
Transaction-Based Models
- Nickel: $0 ACH plus 2.9% cards
- Bill.com: Fees vary by payment method and plan
- Resolve Pay: Custom pricing with financing related fees depending on use case
Platform and Subscription Models
- Nickel: $0/month Core, $35/month annually or $45/month monthly for Plus, and custom Pro pricing
- Billtrust: Custom enterprise pricing
- VersaPay: Custom pricing
Cost Considerations
Payment costs vary by provider, payment method, transaction size, and workflow requirements. Businesses comparing platforms should evaluate:
- ACH transaction fees
- Card processing rates
- Monthly platform fees
- Check mailing costs
- Implementation or onboarding costs
- Integration requirements
- Settlement timing and reconciliation workload
Nickel reduces ACH transaction costs through free ACH, while Plus and Pro plans add faster listed turnaround times and expanded workflow support. Nickel Pro is best positioned for businesses that need API access and custom integrations with ERP or accounting software.
When Nickel Is the Right Resolve Alternative
For Unified Financial Operations
Businesses needing combined accounts receivable and accounts payable functionality benefit from Nickel’s single-platform approach instead of managing separate tools for customer payments and vendor payments.
For Cost Reduction
Companies paying per transaction ACH fees can reduce ACH costs with Nickel’s free ACH. Nickel offers unlimited free ACH with no monthly ACH caps, making it a strong fit for businesses that regularly send or receive bank payments.
For High-Value Transactions
Construction, manufacturing, and wholesale businesses processing large invoices can use Nickel for high-value B2B transactions. Nickel is designed for businesses that need to move large payments while reducing unnecessary payment friction.
For QuickBooks Users
Businesses relying on QuickBooks benefit from Nickel’s QuickBooks integration, including instant two-way sync and support for QuickBooks Online and QuickBooks Desktop.
For Budget-Conscious Teams
Startups and growing businesses can start with Nickel’s $0/month Core Plan, which includes unlimited free ACH, 2.9% card payments, a customer payment portal, Bill Pay, basic approvals, and live chat and email support.
Frequently Asked Questions
What are the primary differences between Resolve Pay and Nickel?
Resolve Pay focuses on customer payment collection, financing workflows, and AR automation. Nickel provides a broader payment platform for businesses that need to both get paid and pay vendors. Nickel offers unlimited free ACH transfers with no monthly ACH caps, transparent pricing starting at $0/month, and bill pay functionality for vendor payments. For businesses that want AR and AP workflows in one place, Nickel is the stronger fit.
How can a business prevent common payment-related disputes with customers or vendors?
Clear invoicing, settlement visibility, and accurate reconciliation can reduce confusion with customers and vendors. Nickel supports those workflows with one-for-one transaction settlement, which helps each payment appear individually instead of being grouped into batch deposits. Nickel’s QuickBooks integration also updates payment details in QuickBooks and helps match payments between QuickBooks, Nickel, and bank statements.
Does my business need both AR and AP functionality in one platform?
Businesses that collect customer payments and send vendor payments often benefit from keeping both workflows connected. Separate AR and AP tools can create more vendor relationships, more reconciliation work, and fragmented reporting. Nickel combines accounts receivable and accounts payable in one interface, making it the stronger option for construction, manufacturing, wholesale, and other B2B teams handling payments in both directions.
What transaction limits should businesses consider when choosing a payment platform?
Transaction limits matter for businesses in capital-intensive industries. Construction progress payments, equipment purchases, large material orders, and wholesale invoices can exceed the limits of payment tools built for smaller transactions. Nickel supports high-value payments up to $1M, making it a strong fit for businesses that regularly process large B2B invoices.
How does a platform like Nickel contribute to preventing financial disputes for B2B businesses?
Nickel helps reduce payment confusion by giving teams clearer transaction records, one-for-one settlement, QuickBooks sync, and branded payment workflows. Customers get clearer ways to pay, while finance teams get better visibility into what was paid, when it was paid, and how it should reconcile. Nickel has a 4.9/5 G2 rating, based on 166 reviews at the time reviewed, which supports its strong customer reputation without relying on unsupported award claims.
