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.
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 checksWe credit check some customers, but it's only on your business so it doesn't affect your personal credit score.
- 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.
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.
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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.
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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.
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.
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.
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.
Approval usually takes just a few minutes.
In some cases we may need a little more information before confirming your plan.
Your repayment schedule is shown clearly before you accept your plan.
You will then make monthly payments based on the term you selected.
Yes — you will see the repayment schedule, total repayable amount, and any fee before confirming your plan.
There are no surprises after approval.
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.
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.
