PaidTerms | Buy Now Pay Later for NZ Manufacturing Businesses

What is PaidTerms?

PaidTerm lets your customers pay invoices via instalments while you get paid upfront. It makes large B2B invoices easier to close and protects your cash flow.

Invoice factoring vs B2B BNPL – what’s the difference?

Invoice factoring means selling your invoices to get cash fast. B2B BNPL lets your customers pay later in instalments while you still get paid upfront.

Trade Credit vs B2B BNPL – what’s the difference?

Trade credit gives customers extra time to pay, but suppliers carry the risk and wait on cash flow.
B2B BNPL offers the same flexibility to the customer, but you get paid upfront while we take on the risk. It’s faster, digital, and comes with transparent instalment options.

Will my customer have their credit report pulled?

Your invoice will be paid the same day or next business day.

How fast does my invoice get paid?

Your invoice will be paid the same day or next business day.

Who pays the fee?

The end customer pays the fee. It’s fully transparent and included in their instalment plan, starting from as low as 3.5% depending on the term they choose.

What payment terms does my customer get?

We offer instalments up to 12 months.

How does my customer pay?

Your customer pays through a secure payment link that we generate for you. Simply add the link to the bottom of your invoice, and they can complete their instalment plan online in just a few clicks.

Flexible Terms for Buyers, Upfront Revenue for You

Helping New Zealand manufacturers offer Buy Now, Pay Later to customers - while getting paid upfront.

Get paid upfront

Unlock bigger orders

Give customers more flexibility

What's in it For Your Customer?

78% of businesses agree that payment terms are an important consideration when choosing a supplier

Never Chase Another Invoice

No more nagging emails or uncomfortable “any update?” calls.

Increase order value

BNPL increases average order value by 40%

Get paid faster

Get paid immediatley once you issue invoices

Discount less

Stop offering discounts and start offering instalments

The BNPL Experience Built for New Zealand Businesses

PaidTerms brings the effortless, low friction experience of consumer purchases to B2B payments.

Send PaidTerms invoice link

82% of B2B buyers actively prefer extended payment terms - even when they have cash on hand.

We run credit and fraud checks on the customer in under 1 second

This check does not pull a credit report or affect your customer’s business history.

Your customer chooses the terms that best suit them

Businesses are 3x more likely to complete a purchase when terms are clearly displayed at checkout or on the invoice.

You get paid upfront immediately

47% of New Zealand SMEs struggle with cash flow because invoices are paid late.

Payment Terms That Help Everyone Win

FAQ