Help your clients spread tax payments to match their cash flow

IRD requires provisional tax to be paid in large lump sums on fixed dates – even when that doesn’t reflect how your clients earn their income.

Tax Traders lets your clients pay provisional tax gradually over time in instalments, so payments better align with their business cash flow.

We're approved by IRD, there are no financial disclosures required, and late payment penalties are removed.

James Stuart, CA, Client Director (left)

Paying provisional tax in instalments with Tax Traders will suit clients who:

Don’t want to pay provisional tax in large lump sums
Prefer steady, predictable payments
Have regular income but limited buffers
Want to stay compliant without feeling squeezed

Choose from the following payment options

Fixed payments

Your client pays a set amount every week, fortnight or month towards your tax.

Flexible payments

Your client pays what they can, when they have funds available.

Paying provisional tax with Tax Traders in instalments is fast and easy

Step one: Set up an instalment plan

Choose how often your client wants to pay – weekly, fortnightly, monthly, or when cash flow allows.

On their provisional tax due date, Tax Traders pays the required tax into its IRD account, so they're treated as having paid on time.

Step two: Clients make payments as they go

Your client makes their payments to Tax Traders.

Step three: Your tax is settled without penalties

As payments are made, tax is transferred to your client's IRD account. IRD interest and penalties are removed once your client's arrangement is fully paid off.

Maddy Green, CA, Client Director (right)

Accounting firms work with Tax Traders because we provide:

Guaranteed acceptance for clients – no IRD approval process, no negotiation, and no uncertainty about whether an arrangement will be accepted.
Confidence that your clients are treated as having paid on time – no reliance on IRD payment plans and no exposure to late payment penalties.
Lower‑cost outcomes for clients – replace IRD interest and late payment penalties with a cheaper, predictable cost structure.
Less time spent dealing with IRD – reduce the administrative burden of setting up, monitoring and renegotiating IRD payment arrangements.
Trusted expertise and responsive service – work directly with Chartered Accountants and tax pooling specialists who understand practice realities. No call centres, no queues, just clear answers when you or your clients need them.

About Tax Traders

Tax Traders is New Zealand’s leading tax pooling provider.

We provide a better way for your clients to pay provisional tax using an IRD‑approved legislative framework that has been in place for more than two decades. This framework enables Kiwi businesses to access flexibility and benefits that aren’t available when paying IRD directly.

Since 2012, we've worked with hundreds of accounting firms – from sole practitioners to large national networks – to deliver better provisional and terminal tax outcomes for their clients.