Get Your Suppliers to Offer Instalments

Split your supplier invoices over time - without changing how you buy. Request instalments with the suppliers you already work with.

Request Instalments Industries

How it works

Set up supplier instalments in 3 simple steps with PaidTerms.

Receive PaidTerms invoice

Your supplier sends you a payment link to set up your instalment plan.

Choose instalment plan

3, 6 or 9 instalments
No hard credit checks
Fast application

Spread your invoice

Flexible payment terms
Order what you need
Keep cash available

Pay supplier invoices over time

PaidTerms helps NZ businesses spread invoice payments into manageable monthly instalments, so you can protect cashflow and keep capital available for growth.

New Zealand's #1 B2B Instalment Platform

Stop tying up cash in invoices when your business could be using it to grow.

PaidTerms is built for NZ businesses that want to keep moving. Split your supplier invoices into monthly payments, get approved in minutes, and put your capital back to work.

95%

Approval rate

3 mins

Average approval time

Upfront

Supplier gets paid immediately

90 days

Average cashflow extension

Flexible instalment options

Choose the repayment option that suits you best and spread your invoice into simple monthly instalments.

3 month instalment plan

3 instalments

Pay invoice over 3 months

6 month instalment plan

6 instalments

Pay invoice over 6 months

9 month instalment plan

9 instalments

Pay invoice over 9 months

Need more flexibility?

Request custom terms

Create a plan that suits you

How PaidTerms works for customers

Everything you need to know about using PaidTerms to pay an invoice over time, including repayment terms, approval, and fees.

What is PaidTerms?

PaidTerms lets you pay eligible business invoices over time instead of all at once.

Once approved, you can choose a repayment plan that works better for your cashflow.

How does it work?

You receive a PaidTerms payment option from the merchant and choose to pay your invoice in instalments.

You complete a short application, select your repayment plan, and then pay monthly over the chosen term.

What repayment terms can I choose from?

Most customers can choose from 3, 6, or 9 month repayment terms.

If available, you may also be offered a custom plan depending on the merchant and invoice.

Is there a fee?

Yes — there is a small instalment fee for using PaidTerms.

This fee is typically tax deductible for businesses, and the full repayment amount is shown upfront before you confirm anything.

How long does approval take?

Approval usually takes just a few minutes.

In some cases we may need a little more information before confirming your plan.

When do my repayments start?

Your repayment schedule is shown clearly before you accept your plan.

You will then make monthly payments based on the term you selected.

Do I see the total cost before I sign up?

Yes — you will see the repayment schedule, total repayable amount, and any fee before confirming your plan.

There are no surprises after approval.

Can I use PaidTerms for any invoice?

PaidTerms is only available on eligible invoices from merchants who offer it.

If you have received a PaidTerms link or option, that invoice may be eligible to be paid over time.

What happens if I miss a payment?

If a payment is missed, we will notify you and try to help you get back on track as quickly as possible.

It’s important to keep your payment method up to date and contact support early if you run into any issues.

Pay Your Next Invoice On Instalment

Tell us how you would use instalment payments in your business. We’re gathering feedback from buyers who want more flexible ways to pay suppliers and business invoices.

Split larger invoices into manageable payments
Improve cash flow and purchasing flexibility
Enable larger or faster purchasing decisions

After submitting, you’ll be able to refer your suppliers directly to PaidTerms.

Register Interest

Start with your supplier details, then answer a few short questions, then add your details to finish.

Step 1 of 3 — Supplier details

Please complete the required fields before continuing.

Supplier 1

Supplier name *

Supplier email *

Supplier website

Typical invoice or purchase amount

You can add up to 3 suppliers.

If given the option, how likely would you be to use instalment payments for business purchases? *

Would offering instalments allow you to place larger orders? *

What is your typical purchase size (AOV)? *

How often do you delay purchases due to cash flow constraints? *

Would you prefer instalments over paying invoices upfront if given the option? *

First name *

Last name *

Work email *

Company name *

I'd be open to using instalments with my suppliers if available.