Don't let cash flow hold your buyers back.
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You get paid upfront
The full invoice amount hits your account the day the order is placed. No waiting, no chasing.
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Buyers pay in instalments
Customers choose 3, 6 or 9 month terms that work for their cash flow. Simple and flexible.
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Order values increase
Remove the cash flow barrier and buyers order more. Typically 15 to 40 percent larger orders.
Send a payment link to your customer in seconds.
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Enter the invoice details
Add your customer's name, email, and invoice amount. No complex setup or integrations required to get started.
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Choose the payment terms
Select 3, 6 or 9 month instalments. PaidTerms handles the financing so you never have to think about it.
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Your customer pays, you get paid
The link lands in their inbox. They confirm the terms and the full invoice amount is transferred to you upfront.
An application so simple, the hardest question is their NZBN.
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Done in under two minutes
No lengthy paperwork, no back and forth. Your customer receives a link, fills in a few basic details, and confirms their plan. That's it.
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Nothing like a loan application
We don't ask for financial statements, director guarantees or bank records. The most probing question we ask is their NZBN.
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A better experience means more conversions
When applying for terms feels frictionless, customers are far more likely to follow through. Less drop-off, more orders completed.
Tailored BNPL for Your Industry
We understand the unique challenges manufacturers face. Our flexible payment solutions are designed to help you grow sales across diverse sectors.
Commercial Furniture
Help customers upgrade spaces sooner by removing the upfront cost barrier on larger office and commercial projects.
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Packaging Manufacturers
Enable bigger, more efficient bulk orders so customers aren't limited by monthly cash flow constraints.
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Building Materials
Support contractors and builders with flexible payment terms on materials for larger construction projects.
Learn moreWhy Businesses Choose PaidTerms
Purpose-built for B2B. Not a workaround.
Give Your B2B Buyers What They Need
Hear what happens when New Zealand businesses offer flexible payment terms with PaidTerms.
PaidTerms transformed how our buyers order. They now commit to full seasonal ranges rather than small trial orders and our average order value has gone up by over 30%.
Our stockists used to place cautious orders to protect their cash flow. Now they order the full range upfront and we get paid the same day. It's a win for both sides.
Large office fit-outs were always a hard sell because of the upfront cost. PaidTerms removed that barrier entirely and we closed three deals in the first month alone.
We used to lose deals to competitors offering 60-day terms. With PaidTerms we can offer instalments and still get paid upfront. We're no longer at a disadvantage.
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Cash flow is everything in food manufacturing. PaidTerms means I'm not waiting until the 20th to see money. It's in our account the day the order is placed and that changes everything.
Customers always want to order less to manage cash flow. With PaidTerms they order in bulk, we get better margins, and everyone saves on freight. It's been a game changer for us.