Give your clients more time to pay – without IRD penalties

If your clients can’t pay provisional tax on time, dealing directly with IRD can be time‑consuming and uncertain.

Payment arrangements often require financial disclosures, there’s no guarantee they’ll be accepted and IRD interest still applies.

Tax Traders provides a simpler and better alternative for your clients looking to delay their provisional tax payments.

Acceptance is guaranteed, no financial information is required and their tax is treated by IRD as if it was paid on time.

Best of all, your clients also pay a lower interest cost and don’t have to worry about late payment penalties.

Choose from the following payment options

Interest upfront
(Like fixing a mortgage)

Your clients pay Tax Traders’ interest cost upfront and the tax later. Best if they want certainty and a lower overall interest cost.

Single payment
(Like floating a mortgage)

Your clients pay the tax and Tax Traders’ interest together at a later date. Best if they want flexibility if circumstances change.

Delaying a provisional tax payment with Tax Traders is fast and easy

Step one: Select the payment option that's right for your client

Interest upfront or single payment.

Step two: Tax Traders covers the tax on your client's due date

We pay the required tax into our IRD account, so your client is treated as having paid on time.

Step three: Your client pays Tax Traders later

Once paid to Tax Traders, the tax is transferred to your client's IRD account and IRD treats it as if you paid on time, removing interest or penalties.

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.