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Buy Now Pay Later for NZ Manufacturing Businesses

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

Learn More Book Demo
Pay in 6 with PaidTerms
Increase order value

Increase order value

BNPL typically increases average order value by 15-40%

Get paid faster

Get paid faster

Instead of waiting for the 20th of the month, bring that revenue forward

Discount less

Discount less

Stop offering discounts and start offering instalments

Cash Flow Constraint

Don't let cash flow hold your buyers back.

  • You get paid upfront

    The full invoice amount hits your account the day the order is placed. No waiting, no chasing.

  • Buyers pay in instalments

    Customers choose 3, 6 or 9 month terms that work for their cash flow. Simple and flexible.

  • Order values increase

    Remove the cash flow barrier and buyers order more. Typically 15 to 40 percent larger orders.

PaidTerms dashboard
PaidTerms send payment link
Instant Setup

Send a payment link to your customer in seconds.

  • Enter the invoice details

    Add your customer's name, email, and invoice amount. No complex setup or integrations required to get started.

  • Choose the payment terms

    Select 3, 6 or 9 month instalments. PaidTerms handles the financing so you never have to think about it.

  • Your customer pays, you get paid

    The link lands in their inbox. They confirm the terms and the full invoice amount is transferred to you upfront.

Effortless for Your Customer

An application so simple, the hardest question is their NZBN.

  • Done in under two minutes

    No lengthy paperwork, no back and forth. Your customer receives a link, fills in a few basic details, and confirms their plan. That's it.

  • Nothing like a loan application

    We don't ask for financial statements, director guarantees or bank records. The most probing question we ask is their NZBN.

  • A better experience means more conversions

    When applying for terms feels frictionless, customers are far more likely to follow through. Less drop-off, more orders completed.

PaidTerms customer application

How it works

How It Works - PaidTerms

We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.

Send payment link

Your customer can split the invoice into 3, 6, 9, or 12 monthly instalments at checkout.

Customer chooses terms

PaidTerms runs a quick business check using NZBN and Centrix to confirm the buyer's details and approve the transaction.

We verify the buyer instantly

You receive the full invoice amount upfront, and your customer pays it off in instalments through PaidTerms.

You get paid, they get terms

Your customers will love us

Want to pay your suppliers in instalments? I'm a customer

For Cashflow

Stop letting invoices choke your cashflow

Large supplier invoices shouldn't mean choosing between paying your bills and growing your business. PaidTerms splits your invoice into 3 monthly payments — so your cash stays in your account, working for you.

Pay by instalment
Cashflow
For Ordering

Order what you need, not just what you can afford today

Don't let tight cash cycles force you into smaller orders. With PaidTerms, you can place the order your business actually needs and spread the cost — without renegotiating terms with your supplier every time.

Pay by instalment
Ordering
For Opportunity Cost

Put your cash to work instead of invoices

Every dollar tied up in a supplier invoice is a dollar that can't fund your next opportunity. PaidTerms frees up working capital so you can take on more jobs, more stock, and more growth — without waiting for the 20th.

Pay by instalment
Opportunity Cost
Explore All Industries

Tailored BNPL for Your Industry

We understand the unique challenges manufacturers face. Our flexible payment solutions are designed to help you grow sales across diverse sectors.

Commercial Furniture

Commercial Furniture

Help customers upgrade spaces sooner by removing the upfront cost barrier on larger office and commercial projects.

Learn more
Packaging Manufacturers

Packaging Manufacturers

Enable bigger, more efficient bulk orders so customers aren't limited by monthly cash flow constraints.

Learn more
Building Materials

Building Materials

Support contractors and builders with flexible payment terms on materials for larger construction projects.

Learn more

Why Manufacturers Use PaidTerms

Industries Book Demo
Revenue

Increase Minimum Order Quantity

Most buyers want to meet higher MOQs, but cash flow holds them back. By offering instalments while still getting paid upfront, you can raise your minimum order requirements confidently - without cutting into profitability.

Advantage

Win More Customers With Better Terms

Flexible instalments make your offering more compelling. With PaidTerms, you’re delivering modern payment technology that buyers value and choose you for.

Retain

Happier Customers Buy More & Stay Longer

Flexible instalments make your offering more compelling. With PaidTerms, you’re delivering modern payment technology that buyers value and choose you for.

Blog Section - B2B BNPL

Latest from Our Blog

Explore how B2B Buy Now, Pay Later is transforming manufacturing and supplier relationships across New Zealand

Read Blog
NZ Manufacturing Sectors

New Zealand Manufacturing Sectors Shifting to B2B BNPL

These manufacturing verticals are adopting B2B BNPL to unlock growth

Read Article
Benefits of B2B BNPL

The Top 4 Biggest Benefits of using B2B BNPL

Why B2B Buy Now, Pay Later Is Becoming a Growth Tool for Suppliers

Read Article
Winning Manufacturing Deals

Winning Manufacturing Deals Without Discounting

Manufacturing sales in New Zealand are highly competitive.

Read Article

See PaidTerms in action

Curious how PaidTerms can help your business grow? Meet with our team to see how offering instalments unlocks bigger orders and stronger cash flow.

  • Get paid upfront on every invoice, every time
  • Increase average order values without offering discounts
  • Win more deals by offering flexible payment terms

Let's talk

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Your questions answered

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, costing 5-10% of the invoice value. B2B BNPL lets your customers pay later in instalments while you still get paid upfront and in full.

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?

We don’t run a traditional hard credit check that impacts your customer’s credit score. We use a combination of business information and responsible risk checks to assess eligibility quickly and fairly.

How fast does my invoice get paid?

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

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.