New Zealand landscape
Built In New Zealand 🇳🇿

Bigger orders start with
better payment terms.

We enable NZ wholesalers & suppliers to offer instalments as
a payment option, while getting paid up front and in full.

Get started free
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$10,000just now
Paid to your account
ANZ
NZ$10,0002m ago
Payment received · 06-0101 ••••
Your customer pays their invoice to us over 3, 6, 9 months
Pay invoice in 3 instalments
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 invoice as normal

  • 1 universal payment link
  • Send direct email offer
  • Add on invoice PDF
Customer chooses instalments
2

Customer chooses plan

  • Reduces friction
  • Cashflow friendly
  • Easy payment
ProCreate your own instalment plans and get paid over time. Automatically collect payments from any of your customers.CapitalGet paid the full invoice value upfront. We pay you immediately and collect repayments from your customer.
Payments run automatically
3

Get paid in full and upfront

  • Full invoice paid instantly
  • Collections managed
  • 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

Grow orders on all channels

Give customers the option to pay in instalments wherever they prefer to buy from you.

Grow sales at checkout
Add PaidTerms to your wholesale website checkout so customers can choose instalments while placing their order.
Get invoices paid faster
Add a “Pay in instalments” option to your invoice or invoice PDF, giving customers another way to pay when the invoice arrives.
Send a one-off offer
Send a customer a PaidTerms payment link by email whenever they need more time to pay for a specific order or invoice.
PaidTerms flexibility at checkout
PaidTerms flexibility at checkout
PaidTerms flexibility at checkout

Increase order value

Instalment payments typically increase 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

Your customers will love us

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

Keep more cash in your business

Split supplier invoices into monthly instalments so your cash stays available for stock, wages and growth.

Pay by instalment
Cashflow

Pricing

Simple, transparent pricing for you and your customers. Learn more

Your business
1.5%
of invoice value
  • Flat, per invoice
  • Paid upfront, on day one
  • No chasing repayments
Your B2B customer
3.95%
of invoice value
  • Starting from 3.95%
  • Tax deductible
  • 3, 6, 9 month 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 InGet started free

Got questions?

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

A flat 1.5% fee per invoice.

They can keep more cash in their business, buy more when they need to, and get approved quickly without going to the bank.

Your customer orders as usual. We pay you, then they pay us back in instalments.

That’s our responsibility. Once the customer uses PaidTerms, you’re off the hook.

Book a demo or create your account and get started.

View all FAQ's