--- title: "Online Credit Application Software for Trade Accounts | Paidnice" description: "Send new trade customers one link to apply for credit. Company and director details come from the Companies Office or Companies House, and terms are signed online." url: https://www.paidnice.com/credit-applications --- ★★★★★160+This app is a game changer!Lesley B. # Online credit applications for new trade customers Send one link. Your customer fills in their business, directors, references and signed terms, **and Paidnice fills in the company details from the official register.** 2025WINNER2026WINNERXero App of the Year2025 Global · 2026 NZ Read all 160+ reviews ## Trusted with over $1,200,000,000 collected on time across 1,070,000 invoices since 2022. and counting ## Open trade accounts without the paperwork No PDFs to chase, no details to retype and no unsigned terms. Approve a new customer in one place. ### Get everything you need in one link Choose what the form asks for, then invite the customer from Paidnice. If they stop halfway, Paidnice reminds them after 3 days and again after a week. ### Company and director details from the official register The customer types a company number or name. Paidnice fills in the legal name, address and directors from official registers such as the New Zealand Companies Office and UK Companies House. ### Trade references checked without chasing Paidnice emails each referee a short form and puts the answers on the application. You see them before you decide. ### Signed terms and guarantees on record The applicant accepts your terms and signs online, with any director guarantees. Paidnice keeps a copy of the exact terms shown, the date and the IP address. > It’s the debt collection system I’ve been looking for, for the last 15 years. Tyler Caskey Partner, The Bean Counters Said on the Accounting Apps Podcast 2025WINNER2026WINNER Xero App of the Year2025 Global · 2026 NZ 2026FINALIST Innovation App of the YearGlobal finalist 2026 ## After approval, Paidnice chases every invoice Once the account is open, Paidnice chases every invoice, from the first reminder to the money landing in your account. ### Chase automatically Send Reminders Automate email and SMS with powerful reminders, from your own domain. Automate Statements Schedule automatic statement sends each month. AI Reply Handling Paidnice reads every reply and drafts the next step for your approval. ### Enforce your terms Late Fees & Interest Automatically apply and send late fees and interest. Shared Inbox & Team Activity Every email and SMS reply in one inbox, and what each person got done. Escalate, Make & Track Calls Escalate and assign overdue invoices for manual follow up. ### Get paid, and see it coming Customer Payment Portal Self-service hub for your customers' payment and billing needs, including card and direct debit. Create Payment Plans Flexible payment terms with automatic installment reminders. AR Insights & Reports Measure Days Sales Outstanding and other critical KPIs. [See all features →](https://www.paidnice.com/features) Bookkeeping & AccountingNew Zealand ## Outstanding invoices down from $60,000 to $24,000 > “For the cost of the subscription versus money in your bank, it’s definitely a no-brainer.” Haley ReynersFounder, My Two Cents Read My Two Cents’s story → Outstanding invoicesBefore$60,000 owedNow$24,000Payment delaysBefore45+ daysNowUnder 25 daysThe processBeforeManual follow-upNow90% automated ## Works with the software you already run Paidnice connects to your ledger, payment providers, CRM and team chat, **so every invoice is chased, paid and recorded without manual data entry.** See all integrations → NewConnect to Claude or ChatGPT via MCP Claude ChatGPT ## Credit application questions Can I use credit applications in Paidnice today? Yes. We are running a beta program for credit applications, open to anyone interested. Leave your email and we will send you the details. What does the applicant fill in? Business details, the directors, trade references and your terms, with a signature at the end. It takes about five minutes, and anything you already know about the customer is filled in for them. Which company registers will Paidnice look up? We plan to start with the New Zealand Companies Office and UK Companies House. Use a different register? Tell us when we email you. Can I choose what the form asks for? Yes. Turn directors, personal guarantees and trade references on or off, set how many references you need and write your own terms. What is recorded when the applicant signs? The date, the IP address and a copy of the exact terms shown on screen. If you change your terms later, earlier applications keep the text that applicant saw. What goes on a credit application form? Most forms ask for company details, directors, trade references and your terms of trade. [See our free credit application form template](https://www.paidnice.com/blog/credit-application-form). ## Meet the team that built Paidnice Book a call with the founders to learn more about how Paidnice can help you take the pain away from getting paid. Book a CallChat with us Great hands on experience. Ashley helped us through everything.Janet X.App Marketplace160+I’ve contacted support a few times, and Denym has always replied with really detailed and thoughtful explanations, even taking the time to jump on a video call to help.Jon M.App Marketplace160+So happy with the service provided by Ashley at Paidnice. The best service I have had from anyone in years.Anna H.App Marketplace160+Very simple to set up and the few questions we had were quickly and expertly dealt with by Denym. It has already made a huge difference to our debtor days and has massively helped.Jenny M.App Marketplace160+ ## Open new trade accounts from one link Join the beta program. Leave your email and we will send you the details. [Rated 5 stars, 160+ reviews](https://www.paidnice.com/reviews) · [App of the Year](https://www.paidnice.com/blog/winner-xero-global-app-awards-2026)