Buy Now Pay Later for Skincare & Cosmetics Manufacturers
We help skincare and cosmetics manufacturers offer instalments to their brand clients, so buyers can commit to larger production runs while you get paid upfront with less risk and admin.
Why Skincare & Cosmetics Manufacturers Use Instalments
Help your brand clients commit to larger production runs while you get paid upfront and eliminate credit risk.
Brand clients approve bigger manufacturing orders when they can spread the upfront cost rather than paying in full on placement
Indie and emerging brands struggle to meet minimum order quantities — instalments remove the cash barrier and unlock the full run
Brand clients won't see revenue until product hits shelves — instalments let them commit to production before cash comes in
Win more contract manufacturing clients by offering flexible payment terms that competing manufacturers don't
How it works
Get set up in minutes and start offering instalments on your next invoice.
We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.
Your customer can split the invoice into 3, 6, 9, or 12 monthly instalments at checkout.
PaidTerms runs a quick business check using NZBN and Centrix to confirm the buyer's details and approve the transaction.
You receive the full invoice amount upfront, and your customer pays it off in instalments through PaidTerms.
Example: Cosmetics Production Order Using Instalments
See how the same scenario plays out differently
Buyer Type
Independent skincare brand placing their first full production run with a contract manufacturer
Order Size Needed
$35,000 across four SKUs to meet minimum batch quantities
- Brand can only afford two SKUs at minimum batch size
- Manufacturer loses half the production order value
- Brand launches with an incomplete range, limiting retail traction
- Manufacturer risks losing the client to a more flexible competitor
- Brand commits to the full $35,000 run across all four SKUs
- Pays in manageable instalments as their product reaches market
- Manufacturer receives $35,000 upfront
- Brand launches with a full range, driving stronger retail and repeat orders
FAQ for Skincare & Cosmetics Manufacturers Using B2B BNPL
B2B BNPL allows your wholesale customers, such as retailers, beauty clinics, pharmacies, distributors, and eCommerce brands, to split large product orders into instalments, typically over 3, 6, or 9 months. The buyer selects an instalment option at checkout or invoice stage and pays over time, while you receive the full invoice amount upfront. This allows you to offer flexible payment terms without extending credit internally or carrying receivables on your balance sheet.
Yes. B2B BNPL is well suited to wholesale restocking orders, seasonal product launches, new range rollouts, private label manufacturing, and distributor onboarding. It enables buyers to secure inventory and commit to larger orders without paying the full amount upfront, helping manufacturers increase order size while protecting brand positioning and margins.
Yes. In a B2B BNPL model, the manufacturer is paid upfront and in full once the transaction is approved. The customer then repays the BNPL provider over time. This structure improves cash flow, reduces debtor days, removes receivables from your balance sheet, and decreases reliance on extended trade terms.
B2B BNPL is designed to reduce credit risk for manufacturers. The BNPL provider assesses the buyer and manages repayment collections. While terms vary by provider, repayment risk is typically held by the BNPL provider rather than the manufacturer. This means you are not responsible for chasing overdue invoices or absorbing bad debts.
When buyers can spread payments over time, they are more likely to commit to larger restocking orders, trial new product ranges, and support seasonal launches. Payment flexibility reduces upfront capital constraints and shortens sales cycles. Instead of discounting to secure distribution, manufacturers can use flexible payment terms as a strategic advantage to increase average order value and improve conversion rates.