- Flat, per invoice
- Paid on day one
- No chasing repayments
- Starting from 3.95%
- Tax deductible
- 3, 6 or 9 months
A simpler alternative to traditional finance
See how it compares from either side of the transaction. Learn more
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| 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.
Built Here. Growing Here.
Learn more about our journey here
NZ owned & operated
Proudly built and operated in New Zealand, with local support.
Xero integrated
Connected with Xero to make offering and managing flexible payment options easier.
Growing supplier network
More New Zealand suppliers are joining PaidTerms and offering their customers a better way to pay.
What will you pay?
See exactly what a PaidTerms invoice looks like, from either side of the transaction.
Invoice amount
You receive upfront, in 24 hours
$985.00
$15.00 fee on a $1,000 invoice
What your business gets
That's it — no other fees, no matter which instalment option your customer chooses.
Pricing FAQ
A few common questions about how customer and merchant fees work.
It depends on the option you choose. With the direct option, PaidTerms is free for merchants to use. There's no PaidTerms fee. You decide whether to pass on a fee to your customer for paying in instalments, and standard credit card charges apply as usual.
With the funded option, merchants pay a flat 1.5% fee on the invoice amount when an invoice is funded through PaidTerms. The merchant receives the remaining amount upfront. The 1.5% merchant fee does not change based on the instalment term selected by the customer.
No. The 3.95% is a flat fee for the applicable instalment plan, not an annual percentage rate (APR) or a per annum interest rate. It applies once to the transaction, not per month or per year.
With the funded option, yes. Once an invoice is approved and funded, the supplier receives the funded amount upfront, less the 1.5% merchant fee, subject to PaidTerms' normal approval and funding process. With the direct option, the supplier is paid as each instalment is collected from the customer, in the usual way.
With the funded option there are two separate fees: the merchant pays 1.5% of the invoice amount, and the customer pays an instalment fee starting from 3.95%. With the direct option, PaidTerms doesn't charge either party. The merchant decides whether to pass on a fee to the customer.
