Businesses want to get paid now.
Customers want to pay later.
We make both possible.
- Flat, per invoice
- Paid upfront, on day one
- No chasing repayments
- Starting from 3.95%
- Tax deductible
- 3, 6, 9 month instalments
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.
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Yes. PaidTerms Pro 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.
On PaidTerms Capital, 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 PaidTerms Capital merchant fee is 1.5% of the invoice amount regardless of the instalment term selected by the customer.
PaidTerms Capital customer fees start from 3.95%. The exact fee depends on the instalment term selected and is shown before the customer confirms the transaction.
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.
On PaidTerms Capital, 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. On PaidTerms Pro, the supplier is paid as each instalment is collected from the customer, in the usual way.
On PaidTerms Capital 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%. On PaidTerms Pro, PaidTerms doesn't charge either party — the merchant decides whether to pass on a fee to the customer.
PaidTerms is different from traditional invoice finance or factoring. Traditional invoice finance generally advances money against the supplier's existing receivables. PaidTerms is designed as a payment option on a B2B transaction: the supplier can receive payment upfront while the business customer pays the purchase over instalments.
Invoice factoring typically involves selling existing receivables to a factoring company, often as an ongoing facility tied to invoice volume. PaidTerms instead offers instalments as a payment method at the point of an individual transaction, so a supplier can choose invoice by invoice whether to offer the option, without committing to a facility.
A business credit card or bank loan is a general line of credit or borrowing arrangement, typically with ongoing interest and its own approval process. PaidTerms is a payment option applied to a specific invoice, with the fee and repayment schedule shown upfront before the customer confirms the transaction.
No. The percentage shown is a flat fee for the applicable instalment plan, not a monthly fee.
Yes. Customers are shown the applicable fee, repayment amount and repayment schedule before confirming.
