Wholesale and trade businesses in New Zealand are turning their existing Xero invoices into instalment plans — winning bigger orders, reducing late payments, and getting paid without the 60-day wait.
Most NZ wholesale and trade businesses operate the same way they always have. You supply the goods. You raise the invoice in Xero. You wait 30, 60, sometimes 90 days to get paid — if you're lucky.
Customers who want to place a large order often hesitate when payment is due upfront or within 30 days. Some ask for extended terms. Others simply take their order to a competitor who's more flexible. And the ones who do commit sometimes pay late, leaving you to chase and reconcile manually at the end of the month.
PaidTerms works for any NZ business that invoices other businesses through Xero. But it's particularly well suited to wholesale and trade sectors where invoice amounts are significant, payment terms are negotiated, and cash flow pressure is constant.
Large material orders, long project timelines, and contractors who need to manage cash across multiple jobs at once.
High-volume invoices to retailers and resellers who need to move stock before they can pay the supplier in full.
Electricians, plumbers, and specialist contractors invoicing for large jobs where customers expect to pay over time.
Custom or made-to-order production runs where buyers want flexibility between order confirmation and delivery.
Seasonal purchasing patterns mean farmers and growers often need to spread large input costs across a payment schedule.
Large print runs and packaging orders where the upfront cost can be a barrier to commitment for smaller buyers.
Common thread: Invoice amounts between $1,000 and $50,000, customers who are other NZ businesses, and an existing Xero setup for invoicing. If that's you, PaidTerms fits.
Here are three situations NZ wholesale and trade businesses run into regularly — and how offering instalment plans through Xero changes the outcome.
A wholesale customer wants to place a $15,000 order but asks if they can pay in stages. Previously you'd either say no (and risk losing the order) or say yes and manage a manual payment arrangement with no structure. With PaidTerms, you raise the invoice in Xero as normal and send a "pay in 3 instalments" offer with one click. The customer commits. The order goes ahead. You receive payment on a fixed schedule — automatically.
A trade customer has an overdue $8,000 invoice. They're not disputing it — they just don't have the full amount right now. Instead of continuing to chase, you send them a PaidTerms offer to settle it in three instalments. They click the link, confirm the invoice number (checked live against your Xero), set up their card, and the debt is on a structured repayment schedule within minutes.
Two suppliers are quoting on the same order. Same price, similar product. One offers 30-day payment terms. You offer 90-day spread across three instalments with no paperwork or manual arrangement required. The customer chooses you — not because you were cheaper, but because the payment terms made the decision easy.
The key thing to understand is that you don't change how you work in Xero. You raise invoices exactly as you do now. PaidTerms connects to your Xero account and reads your outstanding invoices automatically — customer name, invoice number, amount due. Everything is already there.
One-click OAuth login through Xero's standard screen. No API keys, no developer, no configuration. Takes about 2 minutes.
Nothing changes in your invoicing workflow. Raise the invoice in Xero the same way you always have. PaidTerms picks it up automatically.
Your outstanding Xero invoices appear in PaidTerms automatically. Click "Offer instalments" on any invoice and a branded email goes to your customer — pre-filled with their invoice details, no manual entry required.
They click the link, enter their invoice number (confirmed live from your Xero — no risk of a wrong amount), add their card, and commit to the instalment schedule. PaidTerms handles all collection from there.
On PaidTerms Pro, each instalment arrives in your account automatically. On PaidTerms Capital, you receive the full invoice amount on day one — PaidTerms funds the instalments so you don't carry the wait.
Both plans work well for wholesale and trade businesses. The right choice depends on how important upfront cash flow is to your operation.
| Situation | Trade credit (status quo) | PaidTerms + Xero |
|---|---|---|
| Customer wants to spread a large order | Manual negotiation — custom terms, no structure | One-click offer, structured schedule |
| When you get paid | 30–90 days — if they pay on time | Each instalment (Pro) or day one (Capital) |
| Late payment risk | Your problem to manage | PaidTerms collects automatically |
| Reconciling payments in Xero | Manual — monthly catch-up | Automatic on Capital |
| Bad debt exposure | Yours | PaidTerms carries it on Capital |
| Winning orders on payment terms | Limited — can't compete with flexible terms easily | Offer 90-day spread in one click |
| Admin overhead | High — statements, follow-ups, debtor management | Minimal |
Yes. PaidTerms connects directly to your Xero account and lets you offer any business customer the option to pay in three instalments. You raise the invoice in Xero as normal — PaidTerms reads it automatically and lets you send a payment plan offer in one click from your dashboard.
It can do either. Some NZ suppliers use PaidTerms for all their invoices as a replacement for trade credit. Others use it selectively — for new customers, for larger orders, or for customers who ask for extended terms — while keeping trade credit in place for long-standing accounts they trust. PaidTerms doesn't require you to change your existing arrangements.
PaidTerms works well for B2B invoices from around $1,000 upward. The instalment model is most compelling for larger invoices — orders where the full amount is a real cash commitment for the customer. For wholesale and trade businesses, invoices between $3,000 and $30,000 tend to see the highest uptake from customers offered a payment plan.
Yes. If you have outstanding invoices in Xero that customers haven't paid, you can send them a PaidTerms instalment offer — giving them a structured, manageable way to clear the debt. Many NZ businesses find that customers who won't or can't pay in full will commit to a payment plan when given the option.
No. You raise invoices in Xero exactly as you do now. PaidTerms reads your outstanding invoices automatically — nothing needs to be tagged, flagged, or exported differently.
On PaidTerms Pro, your Xero invoice balance updates as each instalment arrives. On PaidTerms Capital, every instalment is automatically posted to your nominated Xero clearing account as it lands, and platform fees are recorded to your expense account — your books reconcile themselves with no manual input.
For most wholesale and trade businesses, yes. Customers who are comparing suppliers often choose the one with more flexible payment terms — especially on large orders. Being able to offer a structured, automated "pay in 3" option at the point of invoicing gives you a commercial edge that doesn't require you to extend credit or carry the risk yourself.
PaidTerms is available to NZ businesses that invoice other NZ businesses in NZD. It works with your existing Xero account and does not require any industry-specific setup. If you use Xero and invoice other businesses, you can get started today.
For a full walkthrough of how to set up instalment payments on your Xero invoices, see How to Offer Instalment Payments on Your Xero Invoices in Under 5 Minutes.
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.
NZ wholesale and trade businesses use PaidTerms to win bigger orders, reduce late payments, and get paid without the 60-day wait — all from their existing Xero setup.
Connect in 2 minutes. Send your first offer today.