PaidTerms Pro connects to your Xero account. Your outstanding invoices appear in your dashboard. Send a "pay in 3" offer to any customer in one click — amounts pulled straight from Xero, no manual entry required.
PaidTerms Pro is an instalment payments platform for NZ businesses. It lets you offer your customers the option to pay an invoice in three scheduled instalments — without you having to manage anything manually.
Your customer pays over time. You receive each instalment as it arrives. PaidTerms handles the payment collection, the reminders, and the payment link — you just send the offer.
PaidTerms Pro connects to your Xero account and reads your outstanding invoices automatically. When you want to offer a customer an instalment plan, the invoice amount, customer name, and due date are already pulled from Xero — you don't need to type anything in.
You can also send a pay link directly from your PaidTerms dashboard with one click, or embed your payment link into a branded Xero invoice template so every invoice you send already includes the option to pay in instalments.
No double entry. No copy-pasting amounts. No separate spreadsheet. Your Xero invoices are already there — PaidTerms just makes them payable in instalments.
The connection takes about 2 minutes. There are no API keys, no developer setup, and nothing technical to configure. You log in through Xero's standard screen — the same login you use every day.
From your PaidTerms dashboard, click "Connect Xero." You'll be taken to Xero's standard login screen to authorise the connection. PaidTerms connects securely — no passwords are shared and you can disconnect at any time.
Once connected, your outstanding Xero invoices appear inside your PaidTerms dashboard. You can see all unpaid invoices in one place and send a "pay in 3 instalments" offer to any customer with a single click.
Get a Xero-compatible invoice template with your PaidTerms payment link already embedded. Send this to customers and they can start a payment plan directly from the invoice they receive — no separate link needed.
Once your Xero account is connected, offering instalments on any invoice takes about 10 seconds. Here's exactly what happens:
Your outstanding Xero invoices are listed inside PaidTerms automatically. You can see the customer name, invoice number, and amount due — pulled live from your Xero account.
One click sends a branded email to your customer. The email arrives pre-filled with their invoice number, the amount due, and a link to start their payment plan. You don't write anything or copy-paste any figures.
When the customer opens the link and enters their invoice number, PaidTerms confirms the amount live from your Xero account. There's no risk of a mismatched figure — the customer always sees the exact amount you invoiced.
PaidTerms handles the payment schedule, the card charges, and any reminders. You receive each instalment as it arrives. You don't need to follow up or manage the collection process manually.
Connects via Xero's standard OAuth login — no API keys, no passwords shared, no developer required. Takes about 2 minutes to authorise.
When a customer enters their invoice number, PaidTerms confirms the exact amount from your live Xero account. No manual entry, no mismatched figures, no calls to check.
All your unpaid Xero invoices appear inside PaidTerms automatically. You can see at a glance which customers you've already sent an offer to — and which ones you haven't.
Send a branded "pay in 3" email to any customer directly from your PaidTerms dashboard. The email arrives pre-filled with their invoice details — no copy-pasting required.
Download a Xero invoice template with your PaidTerms payment link pre-embedded. Every invoice you send can include a "pay in 3 instalments" option at the bottom — customers can click straight from their PDF.
PaidTerms tracks which invoices you've already sent offers on, so you can't accidentally send the same customer two emails for the same invoice.
Both plans connect to Xero and let you offer instalment plans on your invoices. The main difference is who funds the payment — and how deeply Xero is integrated.
Most NZ businesses using Xero still send invoices by email and wait to be paid. Here's what that looks like compared to using PaidTerms Pro.
| Task | Emailing invoices manually | PaidTerms Pro + Xero |
|---|---|---|
| Offering payment flexibility | Manual negotiation — phone calls, emails | One-click from dashboard |
| Invoice amount for customer | Customer reads PDF — errors possible | Confirmed live from Xero — always accurate |
| Sending a pay link | Copy-paste, manual email | Pre-filled, branded email in one click |
| Tracking who's been offered instalments | Spreadsheet or memory | Tracked automatically in PaidTerms |
| Payment collection | You chase — emails, calls, statements | PaidTerms collects automatically |
| Setup time | N/A | About 2 minutes |
| Developer setup required | N/A | None |
PaidTerms Pro works for any NZ business that invoices other businesses through Xero and wants to offer payment flexibility without a complicated setup.
Yes. PaidTerms Pro connects directly to your Xero account. Once linked, your outstanding invoices appear automatically in your PaidTerms dashboard, invoice amounts are confirmed live from Xero when customers pay, and you can send instalment offer emails in one click without copying any details manually.
From your PaidTerms dashboard, click "Connect Xero." You'll be taken to Xero's standard login screen to authorise the connection. There are no API keys, no developer setup, and nothing technical to configure. The whole process takes about 2 minutes.
No. Keep raising invoices in Xero exactly as you do now. PaidTerms reads your outstanding invoices automatically — you don't need to tag, flag, or export anything. Everything flows from your existing Xero invoices.
With PaidTerms Pro, your Xero invoice balance updates as instalments are received. For fully automatic reconciliation — where every payment and fee is posted to specific Xero accounts without any manual input — that's a feature of PaidTerms Capital.
No. Account mapping is not required for PaidTerms Pro. That setup step — choosing a clearing account and fee account — is part of PaidTerms Capital only, which handles full automatic reconciliation on your behalf.
When you click "Offer instalments" on any invoice in your PaidTerms dashboard, a branded email goes to your customer. It arrives pre-filled with their name, invoice number, the amount due, and a link to start their payment plan. You don't write anything or enter any figures — it's all pulled from Xero automatically.
No — PaidTerms only allows one offer per invoice. This prevents your customer from receiving duplicate emails for the same invoice. Your dashboard shows which invoices have already had an offer sent.
PaidTerms provides a downloadable Xero invoice template with your PaidTerms payment link already embedded. You use this template when creating invoices in Xero, and the "pay in 3 instalments" link appears at the bottom of every invoice PDF your customer receives — so they can start a payment plan directly from the invoice, without needing a separate email from you.
PaidTerms Pro currently supports NZD invoices only. Invoices in other currencies are not eligible for instalment plans.
Yes. PaidTerms connects using Xero's standard OAuth 2.0 authorisation — the same secure login method used by all Xero-connected apps. PaidTerms never stores your Xero password. You can disconnect PaidTerms from your Xero account at any time from your PaidTerms dashboard.
Both plans connect to Xero and let you offer instalment plans on your invoices. With Pro, you receive each instalment as it arrives. With Capital, PaidTerms pays you the full invoice amount upfront on day one — and your Xero books update automatically with full reconciliation, a "Pay with PaidTerms" button inside Xero, and real-time two-way sync. Capital is the right choice if you want immediate cash flow and zero manual reconciliation.
To see how PaidTerms Capital handles Xero with full automatic reconciliation and upfront payment, see PaidTerms Capital + Xero Integration.
To learn what B2B BNPL is and how it works for NZ businesses, see What Is B2B BNPL In New Zealand?
To understand the difference between trade credit and B2B BNPL, see Trade Credit vs B2B BNPL in New Zealand.
PaidTerms Pro plugs directly into your Xero account. Your outstanding invoices are already there — offer any customer a payment plan in one click.
No manual entry. No double work. No changing how you invoice.