CoastalPay Partners with Resolve Pay to Bring Embedded B2B Net Terms to Merchants

Why It Matters

The deal gives CoastalPay merchants a competitive edge by providing flexible financing without the traditional credit‑risk exposure, accelerating cash conversion and supporting growth in the fast‑evolving B2B commerce landscape.

Key Takeaways

• CoastalPay now offers 30‑, 60‑, 90‑day net terms via Resolve
• Merchants receive up to 100% invoice value upfront, risk‑free
• AI‑driven credit decisions eliminate need for in‑house underwriting
• Integration works with Shopify, BigCommerce, NetSuite for seamless rollout
• Early adopters report faster cash flow and reduced admin overhead

Pulse Analysis

Embedded finance is reshaping B2B commerce, as buyers increasingly expect the same payment flexibility they enjoy in consumer markets. Traditional net‑terms require sellers to build costly credit operations, tying up capital and creating collection headaches. Platforms that automate underwriting, invoicing and collections are therefore becoming essential infrastructure, allowing businesses to focus on sales rather than financing. Resolve Pay’s AI‑powered credit engine exemplifies this shift, delivering instant decisions and non‑recourse advances that turn receivables into immediate cash.

The CoastalPay‑Resolve partnership translates that technology into a plug‑and‑play solution for merchants across major e‑commerce and ERP ecosystems. By embedding 30‑, 60‑ and 90‑day terms and installment options at checkout, merchants can attract price‑sensitive buyers without assuming any credit loss. The Advance Pay model provides up to 100% of the invoice amount on the same day, effectively eliminating days‑sales‑outstanding while preserving profit margins. Seamless integrations with Shopify, BigCommerce and NetSuite mean deployment can happen in weeks rather than months, reducing IT overhead and accelerating time‑to‑value.

Industry analysts view this collaboration as a bellwether for the broader adoption of embedded B2B credit. As more sellers adopt risk‑free financing, the competitive baseline for B2B transactions will shift, making flexible payment terms a table‑stake rather than a differentiator. Companies that delay integration risk losing market share to rivals offering instant, risk‑free credit. For investors and executives, the partnership signals a growing market for AI‑driven credit platforms and underscores the strategic importance of building modular, fintech‑enabled checkout experiences.