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.
We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.
Your customer can split the invoice into 3, 6, 9, or 12 monthly instalments at checkout.
PaidTerms runs a quick business check using NZBN and Centrix to confirm the buyer's details and approve the transaction.
You receive the full invoice amount upfront, and your customer pays it off in instalments through PaidTerms.
B2B BNPL lets 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. B2B BNPL 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.
In most B2B BNPL models, the wholesaler is paid upfront and in full, while the customer repays the BNPL provider over time. That means you can improve cash flow without extending long trading terms or carrying the receivable on your balance sheet.
B2B BNPL is built to reduce risk for the wholesaler because the provider typically assesses the buyer and manages repayment. Instead of relying on trust or chasing overdue invoices, approval and repayment are handled through the BNPL provider. Always check the provider’s terms, but the intent is that repayment risk sits with the BNPL provider—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.