Helping wholesalers unlock bigger orders
Bigger orders without discounting- More buying power for customers
- Upfront payment while offering terms
60 × dimmer switches
- Invoice
- INV-2389
- Amount
- $13,806
- Term
- 9 months
Coming soon
Coming soon
Coming soon
Coming soon
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How it works
Offer instalments and get paid up front and in full.
- 1
Add PaidTerms
At checkout or on your invoices.
Harbour Build Co.INV-2389Invoice totalNZ$13,806.00Pay in instalmentsOnSend invoice - 2
Buyer gets terms
They choose 3, 6 or 9 monthly instalments.
3 monthly instalments$4,602/mo6 monthly instalments$2,301/mo9 monthly instalments$1,534/moContinue - 3
You get paid in full
We pay you in full and handle collections.
You've been paid outInvoice INV-2389$13,806.00PaidBuyer instalments3 monthsManagedCollectionsPaidTermsManagedPaid in full, up front
A simpler alternative to traditional finance
See how it compares from either side of the transaction. Learn more
Scroll sideways to compare →
| Comparison |  | Invoice finance / factoring | Business overdraft | Trade credit / wait for payment |
|---|---|---|---|---|
| Fee | 1.5% flat fee | 4%+ typical cost | ~11%+ p.a. | No direct fee |
| Get paid upfront | Yes | Yes | Access cash against facility | No — wait for customer |
| Customer can pay over time | Over 3, 6, 9 months | No | Not customer-facing | Yes — you carry the terms |
| Use only when needed? | Yes | Often tied to a facility | Facility stays open | Yes |
| How it works | Choose the invoice | Finance your receivables | Draw from a credit facility | Wait for customer payment |
Indicative comparison only. Invoice finance and overdraft pricing varies by provider, facility and borrower. PaidTerms merchant fee is 1.5% of the invoice amount.
Grow orders on all channels
Give customers the option to pay in instalments wherever they prefer to buy from you.
Coming soonGet invoices paid faster
Add a “Pay in instalments” option to your invoice or invoice PDF, giving customers another way to pay when the invoice arrives.
PaidTerms Invoice| Description | Qty | Unit | Amount |
|---|---|---|---|
| LED downlights | 240 | $35.00 | $8,400.00 |
| Dimmer switches | 60 | $60.00 | $3,600.00 |
- Subtotal
- $12,000.00
- GST 15%
- $1,800.00
- Amount due
- NZD $13,800.00
Coming soonComing soonGrow sales at checkout
Add PaidTerms to your wholesale website checkout so customers can choose instalments while placing their order.
PaidTerms Checkout- Shipping
- Free
- GST 15%
- $1,800
- Total
- $13,800
Send a one time offer
Send a customer a PaidTerms payment link by email whenever they need more time to pay for a specific order or invoice.
PaidTerms LinkHi Sarah,
Here’s a payment link for invoice INV-2389 ($13,800). You can apply in minutes and spread the cost over 3, 6 or 9 months.
Thanks,
Kauri Trade Supplies
Guides for wholesalers
Payment terms, trade credit and cash flow for NZ wholesale and trade suppliers.
How PaidTerms helps NZ wholesalers get paid faster
Get paid upfront on every order while business customers repay over time.
Read guide
Why NZ wholesale buyers want payment terms
What buyers expect before they order, and what refusing terms costs you.
Read guide
Buy now, pay later for wholesale customers
How BNPL works on bulk and container-load orders for NZ suppliers.
Read guide
Using Xero to offer wholesale payment plans
Turn existing Xero invoices into instalment plans for trade buyers.
Read guideFlexible payments alongside trade accounts
Offer instalments next to existing trade accounts and still get paid upfront.
Read guide
What does COD mean on a wholesale order?
Cash on delivery explained, and a better option for new wholesale accounts.
Read guide