Help

Sign up with your business name, email, and a password. Once you're in, go to Settings and connect a Stripe account — that's what lets your customers' payments land straight in your own bank account. Then head to "New invoice" to send your first one.

Not yet — an account is one login per business at the moment. If someone else needs to see your invoices, the simplest thing today is to share the login. Multiple users is on the list; tell us if you need it and we'll know it matters.

You'll see a banner on the dashboard until your Stripe account is fully connected. Go to Settings → "Connect with Stripe" and finish the short onboarding form Stripe shows you (business details, bank account). It only needs doing once.

Yes — when creating or editing an invoice, use "+ Add line item" for as many as you need (labour, parts, callout fee, etc.). GST is calculated on the combined subtotal.

Yes, as long as it hasn't been paid yet — open the invoice and use Edit or Delete. Once a customer has paid, the invoice is locked as an accurate record and can't be changed or removed.

Open the invoice and use "Resend invoice" to send it again. Also worth asking them to check spam/junk folders.

Any unpaid invoice past its due date shows as Overdue instead of Awaiting payment, on your dashboard, the invoice page, and the customer's pay page.

A quote is a price you're offering before the work happens — your customer opens it and accepts or declines online, and nothing is charged either way. An invoice is the bill afterwards. Neither one asks your customer to create an account.

You get an email telling you, and the quote shows as accepted. When the job's done, open it and turn it into an invoice in one click — the line items and GST treatment carry across, so you're not retyping the job you already priced.

It's the date your price is good until, shown on the quote so a customer can't come back in six months expecting last summer's rate. It doesn't stop them accepting after that date — it's there to give you the conversation, not to slam a door.

Yes, while it's still awaiting a reply — edit it and send it again. Once it's been accepted, it's the price you agreed, so it's read-only; if the job has changed, the honest move is a new quote rather than quietly editing the one they said yes to.

Go to Settings and switch off "GST registered." Every invoice you send after that will show just the line-item total with no GST added.

No — it's a convenience calculation at the standard 15% NZ rate, not a substitute for advice from an accountant or IRD guidance for your specific situation.

1% of each invoice your customer actually pays. No monthly fee, no setup cost, and nothing at all if you don't send any invoices. Stripe also applies its own standard card-processing fee to each payment, separately from our 1%. You can pass both on to your customer if you'd rather — see below.

Yes. Settings has a "Card payment fee" tick box, off unless you turn it on. With it on, new invoices and quotes show the fee, and your customer pays it on top — so a $1,000 invoice banks you the full $1,000 instead of $963.20. It only ever covers what the payment actually costs you; it can't be marked up, which is what the Commerce Commission requires of a surcharge. Invoices you've already sent keep the terms they were sent under. One thing to know if you're GST-registered: the fee you charge is part of your sale, so GST applies to it like everything else on the invoice.

Payments go through Stripe directly to your connected bank account, following Stripe's standard payout schedule (typically within a couple of business days).

Yes. Set a deposit percentage on the invoice and your customer sees two buttons — pay the deposit now, or pay the whole thing. Once the deposit is in, the invoice shows the balance still owing, and they get a link to pay the rest when the job's finished.

Through your own Stripe dashboard, where the payment actually sits. We don't hold your money, so we can't move it back — the payment went from your customer to your Stripe account, and that's where a refund is issued. Our 1% on a refunded invoice isn't returned automatically; email us and we'll sort it.

Stripe handles chargebacks and will email you to respond. It's between you, your customer and Stripe — we're not a party to the transaction and can't decide it for you. Keeping your quote, your invoice and any messages about the job makes those much easier to win.

Reports. Pick the period — or a whole tax year from the dropdown — and you'll get total received, the GST portion, our fee and Stripe's, plus a CSV of every payment for your accountant. The figures are based on payments received, which is the basis most small NZ businesses file on.

The reports read payments, so they're right for the payments basis and wrong for the invoice or hybrid basis, where GST falls due when the invoice is issued rather than when it's paid. Set your basis in Settings and the report will say so plainly rather than handing you a number that looks official and isn't. Invoice-basis reporting isn't built yet.

Seven years, per IRD. Your invoices and their PDFs stay in your account, and the CSV export gives you a copy you can keep somewhere else — worth doing at the end of each tax year regardless of which software you're using.

Your dashboard shows the next two, counted down, based on the filing frequency you set in Settings. The usual rule is the 28th of the month after the period ends, with two exceptions: a period ending 30 November is due 15 January, and one ending 31 March is due 7 May. Public holidays can shift things, so check myIR if a date falls close.

Settings, under your current address. You'll need your password, the new address gets a link to confirm it, the old one is told it changed, and you'll be signed out to log back in with the new one.

Use the "Forgot password?" link on the login page and we'll email you a link that's good for an hour. If you've forgotten which address you signed up with, email us and we'll help — we can't put that behind a form, because a form that answers it would tell anyone whether a given business banks with us.

Every night. The snapshot is encrypted before it leaves the server, and we keep the last 30 nights — that's how far back we could restore from, not how long your data lasts. Passwords are stored hashed, never in plain text, and card details never touch our servers at all: Stripe's checkout handles those.

For as long as your account is open. Past invoices are financial records you may need years later, and IRD requires business records to be kept for seven years, so deleting them for you would be doing you harm. Closing your account erases the lot — that's what the button in Settings does, and the export we email first is what makes it safe to agree to, because that seven-year obligation stays with you afterwards. The one thing we do clear out is an account that was never used at all — six months old with no invoice ever created and no Stripe connected gets 30 days' notice by email, and sending an invoice or connecting Stripe in that time stops it.

Yes. Reports exports your payments as CSV, and every invoice and receipt PDF stays downloadable. There's no contract and no notice period — if it stops being useful, take your records and go.

Settings, at the bottom of the Account section. A dialog asks you to type "close my account" and confirm your password — closing destroys financial records, so it shouldn't be possible on a mis-click, but it also shouldn't need our permission. We email the full export to you and to hello@paymint.co.nz first, and only then delete everything. If you'd rather a person handled it, email hello@paymint.co.nz from the address you log in with and we'll do it for you.

Before anything is deleted, we email you a full export — every invoice, every quote, every payment received, as spreadsheets, plus your business details. Then the account and its data are erased from our systems. If the export can't be sent, nothing is deleted; you get your records first or not at all.

Inland Revenue requires business records — invoices included — to be kept for seven years, and up to ten if you're ever audited. That obligation is yours, not ours, and it doesn't end when you stop using our software. Once your account is closed, the export we send is the only copy, so put it somewhere you'll still have in seven years.

No. Deleting means deleting — it's gone from the live database, and our nightly backups roll off after 30 days, so within a month there's nothing left to recover from anywhere. That's why the export goes out first.