New Zealand's #1 B2BInstalment Platform
PaidTerms enables New Zealand B2B businesses to offer instalments on
invoices, increasing order value, competitiveness, and cash flow.
How it works
Offer instalment payments to your customers to increase AOV and win more deals.
Send your payment link
Customer chooses plan
- Reduces friction
- Cashflow friendly
- Easy payment
Get paid upfront
- Full invoice paid instantly
- Customer repays us over time
- 90% customer approval rate
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.
Takes about 2 minutes to connect
Flexible terms fuel bigger orders
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Your customers will love us
Want to pay your suppliers in instalments? I'm a customer
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
Changing how invoices are sent in New Zealand
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
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
Frequently asked questions
Everything you need to know about how PaidTerms helps New Zealand B2B businesses offer instalments and get more deals done.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
