PaidTerms Navbar – Industries Flyout

New Zealand's #1 B2B Instalment Platform

PaidTerms enables New Zealand B2B businesses to offer instalments on invoices, increasing order value, competitiveness, and cash flow.

Sign up Learn More
We pay the invoice for the customer upfront and in full to your business
You get paid
Upfront · in full
Transferred now
NZ$10,000
PaidTerms icon
NZ$10,000 just now
Paid to your account
ANZ
NZ$10,000 2m ago
Payment received · 06-0101 ••••
Your customer pays their invoice to us over 3, 6, 9 months
Pay your invoice in 3 with
NZ$3,333.33
Today
NZ$3,333.33
on 19 May 2026
Paid
NZ$3,333.34
on 19 Jun 2026
Paid

How it works

Offer instalment payments to your customers to increase AOV and win more deals.

Create invoice
1

Send your payment link

Takes 60 seconds
Customer chooses instalments
2

Customer chooses plan

  • Reduces friction
  • Cashflow friendly
  • Easy payment
Pro Capital
Capital
3

Get paid upfront

  • Full invoice paid instantly
  • Customer repays us over time
  • 90% customer approval rate
PaidTerms
Xero

Offer instalments directly from Xero

PaidTerms pulls in your Xero invoices automatically so customers can pay over time while everything stays synced and reconciled in Xero.

See how it works

Takes about 2 minutes to connect

PaidTerms Xero integration

Flexible terms fuel bigger orders

Increase order value
Win more deals
Improve cashflow predictability
No operational overhead
Increase order value
Customers can afford to buy more when they can pay over time.
Win more deals
Give buyers a reason to choose you over competitors.
Improve cashflow predictability
Automated payments with smart retries — no manual follow-up.
No operational overhead
No chasing invoices, no manual follow-ups.

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 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

Changing how invoices are sent in New Zealand

PaidTerms dashboard
Built for NZ B2B businesses

Turn invoices into structured monthly payments

Offer your customers the flexibility to pay over time while you stay in control. Automated payments, smart retries, and predictable cashflow built into every invoice.

3–9 months

Flexible instalment terms

Automated

Payments and smart retries

Bigger orders

Customers can afford more

Less admin

No chasing invoices

Increase order value

BNPL typically increases average order value by 15–40%

Get paid faster

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

Discount less

Stop offering discounts and start offering instalments

Built In New Zealand 🇳🇿

Turn Payment Terms Into Your Competitive Edge

Offer instalments to your customers and make it easier for them to say yes to larger purchases.

Log In Sign up

Frequently asked questions

Everything you need to know about how PaidTerms helps New Zealand B2B businesses offer instalments and get more deals done.

What is PaidTerms?

PaidTerms helps New Zealand B2B businesses offer instalments on invoices.

Instead of asking customers to pay everything upfront, you can offer flexible payment terms that make larger orders easier to approve.

How does PaidTerms work?

You send an invoice or payment link using PaidTerms. Your customer can then choose to pay over time using an instalment plan.

PaidTerms helps structure, automate, and track those payments so the process is simpler for both you and your customer.

What is the difference between Pro and Capital?

PaidTerms Pro is our non-funded instalment product. Your customer pays over time, and you receive payments as those instalments are collected.

PaidTerms Capital is our funded option. You get paid upfront in full, while your customer repays over time.

Who is PaidTerms Pro for?

PaidTerms Pro is ideal for businesses that want to offer instalments and improve conversion, but do not need funded upfront settlement.

It is a strong fit for merchants who can receive cashflow over time and want a simple way to make larger orders easier for customers to say yes to.

Who is PaidTerms Capital for?

PaidTerms Capital is for businesses that want to offer instalments to customers while still getting paid upfront.

It is best suited to approved merchants who want the sales benefit of flexible terms without waiting for repayment over time.

Do my customers choose the instalment plan?

Yes. PaidTerms is designed so customers can choose from available instalment options.

This gives them flexibility at the point of purchase and helps reduce friction on larger invoices.

Why use PaidTerms instead of normal payment terms?

Traditional terms often create uncertainty, delayed payment, and manual follow-up.

PaidTerms turns repayment into a more structured and automated process, while giving customers a more flexible way to buy.

Will this help increase order value?

That is one of the main benefits. When customers can spread payments over time, larger orders often become more achievable.

PaidTerms helps you compete with payment flexibility rather than relying on discounts.

Do I need to chase payments manually?

PaidTerms is built to automate repayment schedules and reduce manual follow-up.

You can track paid, scheduled, and upcoming payments in one place instead of managing everything manually.