Helping suppliers unlock bigger orders

Bigger orders without discounting
More buying power for customers
Upfront payment while offering terms

Payment method

Order summary

Kauri Trade Supplies

Bulk stock order

240 × LED downlights
60 × dimmer switches

Invoice: INV-2389
Amount: $13,806
Term: 9 months

Buy from just $1,534 today

We pay the supplier

INV-2389Paid

NZ$13,806

Paid to your account

Activity

Payment received

ANZ · just now

You've been paid out 🎉

NZ$13,806 · 2m ago

Customer pays us

NZ$13,806 · 9 monthsActive

1st18 OctNZ$1,534

2nd18 NovNZ$1,534

3rd18 DecNZ$1,534

4th18 JanNZ$1,534

5th18 FebNZ$1,534

6th18 MarNZ$1,534

7th18 AprNZ$1,534

8th18 MayNZ$1,534

Final18 JunNZ$1,534

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How it works

Offer instalments and get paid up front and in full.

1
Add PaidTerms
At checkout or on your invoices.
Harbour Build Co.INV-2389
Invoice total
NZ$13,806.00
Pay in instalmentsOn
Send invoice
2
Customer gets terms
They choose 3, 6 or 9 monthly instalments.
3 monthly instalments$4,602/mo
6 monthly instalments$2,301/mo
9 monthly instalments$1,534/mo
Continue
3
You get paid in full
We pay you in full and handle collections.
You've been paid out
Invoice INV-2389$13,806.00Paid
Customer instalments3 monthsManaged
CollectionsPaidTermsManaged
Paid in full, up front

A simpler alternative to traditional finance

See how it compares from either side of the transaction. Learn more

Scroll sideways to compare →

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.

Grow orders on all channels

Give customers the option to pay in instalments wherever they prefer to buy from you.

Coming soon

Get invoices paid faster

Add a “Pay in instalments” option to your invoice or invoice PDF, giving customers another way to pay when the invoice arrives.

PaidTerms Invoice

Tax Invoice

INV-2389

Kauri Trade Supplies

GST 123-456-789

Bill to

Coastline Hardware Ltd

14 Wharf St, Tauranga

Issued

21 Oct 2026

Due

20 Nov 2026

Description	Qty	Unit	Amount
LED downlights	240	$35.00	$8,400.00
Dimmer switches	60	$60.00	$3,600.00

Subtotal: $12,000.00
GST 15%: $1,800.00
Amount due: NZD $13,800.00

Pay this invoice from $1,533

Instalments by

Coming soon

Grow sales at checkout

Add PaidTerms to your wholesale website checkout so customers can choose instalments while placing their order.

PaidTerms Checkout

Your order

Copper cable 50m

Qty 120

$6,600

Switchboards

Qty 40

$3,200

Wall sockets

Qty 300

$2,200

Shipping: Free
GST 15%: $1,800
Total: $13,800

Payment

Send a one time offer

Send a customer a PaidTerms payment link by email whenever they need more time to pay for a specific order or invoice.

PaidTerms Link

New message

Tosarah@coastlinehardware.co.nz

SubjectYour payment link for INV-2389

Hi Sarah,

Here’s a payment link for invoice INV-2389 ($13,800). You can apply in minutes and spread the cost over 3, 6 or 9 months.

Pay INV-2389 from $1,533

app.paidterms.co.nz/pay/Ab3X9

30 days

Thanks,
Kauri Trade Supplies

One flat fee

A flat 1.5% fee, whichever term your customer chooses.

Based on a $1,000 invoice

3 month planPaid upfront
1.5%of invoice value
Tax deductible transaction fee−$15.00
You receive$985.00
Payout made within12 hrs
Your customer pays over 3 months
- Flat fee, per invoice
- Paid upfront
- No chasing repayments
6 month planPaid upfront
1.5%of invoice value
Tax deductible transaction fee−$15.00
You receive$985.00
Payout made within12 hrs
Your customer pays over 6 months
- Flat fee, per invoice
- Paid upfront
- No chasing repayments
9 month planPaid upfront
1.5%of invoice value
Tax deductible transaction fee−$15.00
You receive$985.00
Payout made within12 hrs
Your customer pays over 9 months
- Flat fee, per invoice
- Paid upfront
- No chasing repayments

FAQ for Suppliers Offering Instalment Payments

Instalment payments let your trade and retail customers split a wholesale order or invoice into instalments over 3, 6 or 9 months, while you supply the goods as normal. The buyer picks the instalment option on your invoice, quote, checkout or payment link. PaidTerms pays you, and the buyer pays PaidTerms back over time.

Yes. Once the buyer is approved, you receive the invoice amount upfront (less the 1.5% merchant fee), so you are not waiting 30, 60 or 90 days or carrying the receivable on your books.

PaidTerms does. PaidTerms pays you upfront for the invoice, less a 1.5% merchant fee, while your customer repays in instalments. PaidTerms handles repayments and collections from the buyer, so you don't need to chase overdue invoices or put customers on stop.

PaidTerms charges suppliers a flat 1.5% of the invoice amount, and that fee doesn't change with the instalment term the buyer chooses. Compared with offering a 5 to 10% discount to close a large order, the fee is usually the cheaper lever.

With traditional trade terms, the supplier funds the gap: you ship the goods, wait until the 20th of the following month (or 60 days) to be paid, and carry the bad debt risk. With PaidTerms, the buyer gets longer to pay (up to 9 months) while you get paid upfront, and PaidTerms carries the risk.