Instalment Payments for Wholesalers
We help wholesale businesses offer flexible payment terms to buyers, so they can stock up on inventory while you get paid upfront with less risk and admin.
Increase order value
Get paid faster
Discount lessWhy Wholesalers Use Instalments
Enable larger inventory orders while protecting your cash flow and eliminating credit risk.
Retailers approve larger inventory purchases when they can spread costs over time
Retail buyers need flexibility to manage seasonal purchasing
Large upfront invoices cause retailers to postpone restocking
Win more retail accounts by offering payment flexibility
How it works
We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.
Example: Seasonal Stock Order Using Instalments
See how the same scenario plays out differently
Buyer Type
Independent retailer preparing for peak season
Order Size Needed
$45,000 for seasonal inventory stock-up
- •Retailer orders smaller quantities
- •Stock shortages during peak season
- •Lost sales and missed opportunities
- •Multiple restock orders needed
- •Retailer commits to full $45,000 order
- •Pays in 6 manageable installments
- •Wholesaler receives $45,000 upfront
- •Full inventory ready for peak season
FAQ for Wholesalers Offering Instalment Payments
Instalment payments let your business customers split a wholesale invoice into instalments (commonly 3, 6, or 9 months) while you supply goods as normal. The buyer chooses an instalment option at checkout or at quote stage, then pays monthly. You still fulfil the order upfront—without needing to run in-house terms for every customer.
Yes. Offering instalments is designed for bigger, bulk purchases where buyers want to secure stock, lock in pricing, or meet seasonal demand—but don’t want to pay the full invoice in one hit. It works well for pallet quantities, container loads, and high-value replenishment orders.
With instalment payments, the wholesaler is paid upfront and in full, while the customer repays PaidTerms over time. That means you can improve cash flow without extending long trading terms or carrying the receivable on your balance sheet.
Instalment payments are built to reduce risk for the wholesaler because PaidTerms typically assesses the buyer and manages repayment. Instead of relying on trust or chasing overdue invoices, approval and repayment are handled through PaidTerms. The intent is that repayment risk sits with PaidTerms—not you.
When buyers can spread payments, they’re less likely to reduce quantities, delay orders, or shop purely on price. That often leads to larger basket sizes, higher MOQ acceptance, and more add-ons at quote stage (extra SKUs, accessories, or stock coverage). Instead of discounting to win the order, wholesalers can use payment flexibility to lift conversion and average order value.
