Business Instalments9 Mar 20264 min read
What Are Business Instalment Payments?
Learn how business instalment payments let customers spread invoice costs while helping suppliers protect cash flow and get paid sooner.
Read articleFeatured
Business Instalments9 Mar 20264 min read
What Are Business Instalment Payments?
Learn how business instalment payments let customers spread invoice costs while helping suppliers protect cash flow and get paid sooner.
Read articleStart Here
Business Instalments13 Aug 20264 min read
How Business Instalment Payments Work in NZ
See how business instalment payments work in New Zealand for suppliers and customers, including the payment process, benefits and key considerations.
Read article
Payment Terms13 Aug 20264 min read
Trade Accounts vs Business Instalments: What's the Difference?
Compare traditional trade accounts with business instalments, including supplier cash flow, customer repayments, credit exposure and when each option may suit.
Read article
Trade Credit19 Sept 20264 min read
What Is Trade Credit? A Plain-English Guide for NZ Businesses
Trade credit lets a business buy now and pay later. Learn what trade credit means, how it works in New Zealand, and how it differs from trade credit insurance.
Read article
Wholesalers19 Sept 20263 min read
How PaidTerms Helps NZ Wholesalers Get Paid Faster
See how PaidTerms lets NZ wholesalers get paid upfront on every order while business customers repay over time — no more funding trade credit yourself.
Read article
Trade Accounts26 Sept 20263 min read
What Is a Trade Account? (NZ Guide)
A trade account lets a business buy from a supplier on credit and pay later. Learn what a trade account is, how it differs from a regular account, and what NZ suppliers require to open one.
Read article
Invoicing3 Oct 20265 min read
Do You Still Need a Tax Invoice in NZ? (2023 GST Rules Explained)
Since 1 April 2023 NZ GST law requires taxable supply information, not a document called a tax invoice. Here is what must be on your invoice now, by dollar threshold.
Read article
Accounts Receivable10 Oct 20263 min read
What Are Debtor Days and How Do You Calculate Them?
Debtor days measure how long it takes customers to pay you on average. The formula, a worked NZ wholesale example, and what counts as a good number.
Read article
Accounts Payable17 Oct 20264 min read
What Are Creditor Days and How Do You Calculate Them?
Creditor days show how long your business takes to pay its suppliers. The formula, a worked NZ example in dollars, what a healthy number looks like, and what to do if suppliers are chasing you.
Read articleLatest Articles
Invoicing17 Oct 20263 min read
What Is a Credit Note? (NZ GST Rules Explained)
A credit note reduces or cancels an invoice you've already issued. When NZ suppliers issue one, what NZ GST law now calls it, the 28-day rule, and a worked example with the GST maths.
Read article
Invoicing17 Oct 20263 min read
What Is a Remittance Advice?
A remittance advice tells a supplier which invoices a payment covers. What goes on one, an NZ example, how to send one from Xero, and how to spot the fake remittance email scam.
Read article
Trade Accounts17 Oct 20263 min read
What Is a Credit Limit on a Trade Account?
A trade account credit limit is the most you can owe a supplier at once. How NZ suppliers set it, why 20th-of-the-month terms mean you need more than a month's spend, and how to get it raised.
Read article
Payment Terms17 Oct 20263 min read
What Does Net 7 or Net 14 Mean on an Invoice?
Net 7 means pay within 7 days of the invoice date; Net 14 means within 14 days. Worked NZ due dates, how they compare to Net 30 and the 20th, and when suppliers should use them.
Read article
Trade Accounts17 Oct 20264 min read
What Does "Account on Stop" or "Credit Hold" Mean?
Your supplier has put your account on stop. What a credit hold means in NZ trade, why it happens, how to get the account released this week, and how to stop it happening again.
Read article
Accounts Payable17 Oct 20262 min read
What Is DPO (Days Payable Outstanding)?
DPO is the average number of days a business takes to pay its suppliers. The formula, a quick NZ example, and why it's the same thing NZ accountants call creditor days.
Read articleBusiness Instalments
Business Instalments3 Oct 20267 min read
Is the PaidTerms Instalment Fee Tax Deductible?
Yes — where the purchase is for business use, the PaidTerms instalment fee is a deductible business expense under the general permission in s DA 1 of the Income Tax Act 2007.
Read article
Business Instalments31 Aug 20262 min read
Good Debt vs Bad Debt in Business
Debt isn't automatically good or bad. What matters is what you're financing, what it costs, and what that purchase produces — here's how to tell the difference.
Read article
Business Instalments31 Aug 20262 min read
Why We Chose Trade Finance as Our Niche
Why PaidTerms built B2B instalments around trade finance — paying suppliers upfront while buyers get structured payment terms, instead of one business funding the other.
Read article
Business Instalments13 Aug 20264 min read
What Are Embedded Instalments?
Learn how embedded instalments bring flexible payments into quotes, invoices, checkout and the wider B2B sales process.
Read articlePayment Terms
Payment Terms17 Oct 20263 min read
What Does Net 7 or Net 14 Mean on an Invoice?
Net 7 means pay within 7 days of the invoice date; Net 14 means within 14 days. Worked NZ due dates, how they compare to Net 30 and the 20th, and when suppliers should use them.
Read article
Payment Terms12 Sept 20262 min read
What Is 2/10 Net 30?
2/10 Net 30 means a 2% discount if paid within 10 days, otherwise the full amount is due in 30. See the worked maths and whether NZ suppliers actually use it.
Read article
Payment Terms12 Sept 20263 min read
What Does COD Mean on a Wholesale Order?
COD in business means Cash on Delivery: payment is due when goods arrive, not on a later invoice date. See what COD payment terms mean on a wholesale invoice and how to move customers off them.
Read article
Payment Terms12 Sept 20262 min read
What Does CWO Mean on a Purchase Order?
CWO means Cash With Order — payment is due when the order is placed, before it's fulfilled. See how CWO compares to CIA, PIA and COD.
Read articleInvoicing17 Oct 20263 min read
What Is a Credit Note? (NZ GST Rules Explained)
A credit note reduces or cancels an invoice you've already issued. When NZ suppliers issue one, what NZ GST law now calls it, the 28-day rule, and a worked example with the GST maths.
Read articleInvoicing17 Oct 20263 min read
What Is a Remittance Advice?
A remittance advice tells a supplier which invoices a payment covers. What goes on one, an NZ example, how to send one from Xero, and how to spot the fake remittance email scam.
Read article
Invoicing3 Oct 20265 min read
What Happens If a Customer Doesn't Pay Your Invoice in NZ?
A staged guide to an unpaid invoice in New Zealand: reminder, letter of demand, statutory demand, Disputes Tribunal (now up to $60,000) and debt collection.
Read article
Invoicing3 Oct 20265 min read
Can You Charge Interest on an Overdue Invoice in NZ?
Yes, but only if your terms of trade say so. There is no automatic right to charge interest on an overdue invoice in NZ. Here is the legal basis and how to word it.
Read articleTrade Credit
Trade Credit19 Sept 20263 min read
Trade Credit vs Business Loan: Which Is Right for You?
Compare trade credit and a business loan on cost, speed and credit impact, so you can choose the right way to fund working capital or a one-off purchase.
Read article
Trade Credit19 Sept 20263 min read
Trade Credit vs Invoice Finance: What's the Difference?
Compare trade credit and invoice finance side by side — how each works, what each costs, and which suits your business, with a look at where PaidTerms fits.
Read article
Trade Credit19 Sept 20263 min read
The Pros and Cons of Offering Trade Credit to Customers
Weigh the real advantages and risks of offering trade credit to customers, including the cash-flow trade-off, and how to offer credit terms without carrying the risk.
Read article
Trade Credit19 Sept 20263 min read
How Does Trade Credit Work for a Small NZ Business?
A step-by-step look at how trade credit works for small NZ businesses — from applying for a credit limit to repaying on invoice terms, with a worked example.
Read articleTrade Accounts
Trade Accounts17 Oct 20263 min read
What Is a Credit Limit on a Trade Account?
A trade account credit limit is the most you can owe a supplier at once. How NZ suppliers set it, why 20th-of-the-month terms mean you need more than a month's spend, and how to get it raised.
Read articleTrade Accounts17 Oct 20264 min read
What Does "Account on Stop" or "Credit Hold" Mean?
Your supplier has put your account on stop. What a credit hold means in NZ trade, why it happens, how to get the account released this week, and how to stop it happening again.
Read article
Trade Accounts26 Sept 20263 min read
What Are Trade References and How Many Do You Need?
Trade references are other suppliers who vouch for how reliably a business pays. Learn what they are, how many NZ suppliers typically ask for, and how to write one.
Read article
Trade Accounts26 Sept 20263 min read
What Happens If You Default on a Trade Account in NZ?
What typically happens when a NZ trade account falls into default: supplier steps, credit reporting consequences, personal guarantee enforcement, and how to negotiate before it escalates.
Read articleAccounts Receivable
Accounts Receivable10 Oct 20263 min read
Why Are Your Debtor Days Increasing? (5 Common Causes)
Five common, diagnosable causes of rising debtor days, with a quick self-check for each and what to do about it.
Read article
Accounts Receivable10 Oct 20262 min read
How to Reduce Debtor Days Without Damaging Customer Relationships
Practical, relationship-safe ways to bring down debtor days: clear terms upfront, automated reminders, early-payment incentives, and a structural fix.
Read article
Accounts Receivable10 Oct 20263 min read
How to Read an Accounts Receivable Aging Report
What the 30/60/90/90+ day buckets in an accounts receivable aging report mean, how to read one in Xero, and when to act on each bucket.
Read article
Accounts Receivable10 Oct 20263 min read
What's a Good Debtor Days Number for an NZ Small Business?
A benchmark range for debtor days in New Zealand, how it varies by industry and payment terms, and practical ways to bring yours down.
Read articleAccounts Payable
Accounts Payable17 Oct 20262 min read
What Is DPO (Days Payable Outstanding)?
DPO is the average number of days a business takes to pay its suppliers. The formula, a quick NZ example, and why it's the same thing NZ accountants call creditor days.
Read article
Accounts Payable17 Oct 20263 min read
What Is a Payment Run and How Often Should You Do One?
A payment run is a scheduled batch where you pay all approved supplier bills at once. Weekly vs fortnightly vs monthly, how to time it around the 20th, and a simple checklist.
Read article
Accounts Payable17 Oct 20263 min read
How Many Days Should You Take to Pay Suppliers?
Pay on the due date in your supplier's terms, not before and not after. Why stretching backfires in NZ trade, when paying early pays off, and a third option for big invoices.
Read article
Accounts Payable17 Oct 20263 min read
Accounts Payable vs Accounts Receivable: Explained Simply
Accounts payable is money you owe suppliers; accounts receivable is money customers owe you. A side-by-side table and one NZ invoice followed from both sides.
Read articleWholesalers
Wholesalers19 Sept 20262 min read
The Complete Guide to NZ Wholesale Supplier Categories
Browse every wholesale and trade supplier category in New Zealand's business directory, from building materials to food and beverage, in one guide.
Read article
Wholesalers19 Sept 20263 min read
Buy Now, Pay Later for Wholesale Customers: A Guide for NZ Suppliers
A practical guide to offering buy now, pay later on wholesale orders — how it works for bulk and container-load purchases, and what NZ suppliers should check.
Read article
Wholesalers19 Sept 20263 min read
Get Your Wholesale Business Found: List Free in NZ's Supplier Directory
Claim your free listing in NZ's supplier directory and pair it with flexible payment terms to convert more wholesale buyer enquiries into orders.
Read article
Wholesalers19 Sept 20263 min read
Why NZ Wholesale Buyers Want Payment Terms
NZ wholesale buyers increasingly expect flexible payment terms before they order. See what they're searching for and why refusing terms costs you sales.
Read articleCash Flow
Cash Flow13 Aug 20264 min read
Payment Terms and the Cash Conversion Cycle
Learn how customer payment terms affect the cash conversion cycle for manufacturers, wholesalers and suppliers, plus practical ways to manage it.
Read article
Cash Flow13 Aug 20264 min read
How Late Invoice Payments Affect Supplier Cash Flow
Learn how overdue invoices affect working capital, forecasting, supplier obligations and a business's ability to keep operating and growing.
Read article
Cash Flow13 Aug 20265 min read
What to Do When a Customer Pays an Invoice Late
Follow a practical process for handling a late business invoice, communicating with the customer and protecting future supplier cash flow.
Read article
Cash Flow3 Feb 20267 min read
Stop Letting Cash Flow Limit Your Growth: Pay Supplier Invoices in Instalments
PaidTerms lets New Zealand businesses pay supplier invoices in flexible instalments. Buy what you need today, protect your cash flow, and grow your business without depleting working capital. The smarter way to manage B2B payments.
Read articleSales & Growth
Sales & Growth24 Aug 20261 min read
Why Payment Options Should Be Discussed Before Invoicing
NZ suppliers: your customer is already thinking about how they're going to pay. Bring payment options up before the invoice, not after — here's why it wins deals.
Read article
Sales & Growth13 Aug 20263 min read
Introduce Instalment Payments to Existing Customers
Learn how to introduce business instalments to existing customers with clear messaging, a practical rollout and transparent payment information.
Read articleSales & Growth13 Aug 20264 min read
How to Promote Flexible Payments to Customers
Learn how to explain and promote flexible business payments across your website, quotes, customer emails and sales conversations.
Read articleSales & Growth13 Aug 20263 min read
Flexible Payments and the B2B Customer Experience
See how clear, flexible payment options can reduce purchasing friction and create a better experience for business customers.
Read articleXero & Setup
Xero & Setup13 Aug 20263 min read
Where to Display Instalment Payment Options
See where to display business instalment options across your website, quotes, proposals, checkout, invoices and customer communications.
Read article
Xero & Setup11 May 20268 min read
How to Offer Instalment Payments on Xero Invoices
Learn how to offer business instalments through Xero, show flexible payment options on invoices and keep payments properly reconciled.
Read article
Xero & Setup11 May 20268 min read
How to Offer Instalment Payments on Your Xero Invoices in Under 5 Minutes
If you use Xero to invoice NZ businesses, you can offer instalment plans to your customers in under 5 minutes. No developer, no complicated setup — here's exactly how.
Read article
Xero & Setup11 May 20268 min read
How NZ Wholesalers and Trade Suppliers Are Using Xero to Offer Payment Plans
Wholesale and trade businesses in New Zealand are turning their Xero invoices into instalment plans — winning bigger orders and getting paid without the wait. Here's how.
Read articleIndustries
Industries13 Aug 20264 min read
Flexible Payments for Wholesalers and Trade Suppliers
Learn how wholesalers and trade suppliers can offer business instalments alongside trade accounts while receiving payment upfront.
Read articleIndustries13 Aug 20263 min read
Instalments for Commercial Furniture Suppliers
See how commercial furniture suppliers can add business instalments to office fit-out quotes while protecting price and receiving payment upfront.
Read article
Industries3 Mar 20264 min read
Buy Now Pay Later for Vet Supply Wholesalers
Vet supply wholesalers offering payment terms are closing bigger orders and retaining more clinic accounts. Here is how B2B BNPL helps — without affecting your cashflow.
Read article
Industries3 Mar 20265 min read
Buy Now Pay Later for Dental Suppliers
Dental supply wholesalers offering payment terms are closing bigger orders and holding their margins. Here is how B2B BNPL helps you compete without discounting.
Read article
