# Resolve Pay vs Billie: which do AI models recommend for B2B BNPL and terms, October 2026

Finance AI Recommendation Index, October 2026 Edition, B2B BNPL and net terms. Ten of fourteen models named Resolve Pay first on the direct prompt; two named Billie. Page: https://finance-ai-index.com/receivables/b2b-bnpl-and-net-terms/resolve-pay-vs-billie/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Resolve Pay | 56% | #1 of 12 | 7% | 55 | 14 of 14 |
| Billie | 5% | #3 of 12 | 8% | 24 | 13 of 14 |

## The direct prompt, model by model

- Claude Haiku 4.5: resolve pay first (first choices: Resolve Pay) (alternatives: Billie, Hokodo, Mondu, TreviPay)
- GPT-5.4 mini: resolve pay first (first choices: Resolve Pay) (alternatives: Billtrust, Invoiced, TreviPay)
- Gemini 3.5 Flash: resolve pay first (first choices: Resolve Pay) (alternatives: Balance, Hokodo, Mondu, Slope, TreviPay)
- Grok 4.1 Fast: resolve pay first (first choices: Credit Key, Resolve Pay) (alternatives: Billie, Mondu, TreviPay)
- DeepSeek V4 Flash: resolve pay first (first choices: Resolve Pay) (alternatives: Balance, Credit Key, Mondu, Slope, TreviPay)
- Qwen 3.7 Flash: resolve pay first (first choices: Fundbox, Resolve Pay) (alternatives: Balance, Credit Key, TreviPay)
- Kimi K2: resolve pay first (first choices: Resolve Pay) (alternatives: Two)
- MiniMax M2.5: resolve pay first (first choices: Resolve Pay) (alternatives: Balance, Billie, Mondu, TreviPay)
- GPT-6 Luna: resolve pay first (first choices: Resolve Pay) (alternatives: Credit Key, TreviPay)
- Muse Glimmer 30B: resolve pay first (first choices: Resolve Pay) (alternatives: Billie, Mondu, TreviPay, Unzer)
- Mistral Small: billie first (first choices: Billie, Mondu) (alternatives: Fundbox, Resolve Pay, Two)
- GLM 4.7 FlashX: billie first (first choices: Billie, Credit Key) (alternatives: Resolve Pay, TreviPay)
- Perplexity Sonar: neither first, one named (first choices: Credit Key) (alternatives: Billie, Hokodo)
- Llama 4 Maverick: neither named

## What the models said about Resolve Pay

- "US-based Resolve cannot guarantee that merchants will receive their payment in full, instead promising receipt of at least 90% of each invoice." (Claude Haiku 4.5, comparative prompt, soft negative)
- "dig into contractual language on risk transfers and loss rates — and verify their funding stability before committing large volumes" (DeepSeek V4 Flash, negative prompt, soft negative)
- "There are drawbacks, such as associated fees; a percentage is deducted from each invoice, and not all customers may qualify" (Muse Glimmer 30B, negative prompt, soft negative)
- "Resolve - Popular for US mid-market sellers. Offers instant credit decisions, next-day payments to sellers (non-recourse at ~3.15% for 30 days)" (Grok 4.1 Fast, comparative prompt, first choice)
- "Resolve is the strongest choice for US-based B2B suppliers who need transparent pricing, full AR automation, and non-recourse net terms financing." (Muse Glimmer 30B, comparative prompt, first choice)
- "paired with B2B Buy Now, Pay Later (BNPL) or embedded financing platforms like Resolve Pay or Credit Key to handle risk and get paid upfront" (Grok 4.1 Fast, paraphrase prompt, first choice)

## What the models said about Billie

- "Some users report that additional business verification is normal but adds friction... Some customers report slow or inflexible support handling." (Muse Glimmer 30B, negative prompt, soft negative)
- "be wary if you have complex billing structures, frequent entity changes, or need fast, flexible dispute resolution" (DeepSeek V4 Flash, negative prompt, soft negative)
- "I'd recommend starting with Billie if you operate in Europe or Credit Key if you're US-focused." (GLM 4.7 FlashX, direct prompt, first choice)
- "Mondu and Billie are the top choices due to their B2B specialization and flexibility" (Mistral Small, direct prompt, first choice)
- "Only work with 100% non-recourse providers (such as Resolve, Billie, or Two)." (Gemini 3.5 Flash, negative prompt, first choice)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.