Construction & building materials
Let contractors buy on terms. Keep your cash moving.
Give eligible trade buyers 15–90 days to pay for the materials they need today. PastPay evaluates the transaction, pays you after the approved order is fulfilled, and manages the later payment.
Online, in-store and direct sales Approved non-payment risk transferred
Approved building-material order
Supplier receives paymentAfter fulfilment
Trade buyer pays PastPay15–90 days later
Network and product figures updated September 2026. Eligibility and final terms depend on the companies and transaction.
Built around project cash flow
Materials move now. Project revenue often arrives later.
PastPay helps suppliers turn payment timing into a commercial advantage without building an internal credit operation.
Large, variable baskets
Help buyers secure the right quantity of materials when a large order would otherwise put immediate pressure on cash.
Project-based timing
Give contractors a due date that better matches procurement, delivery, installation and customer-payment cycles.
Urgent and repeat purchases
Keep jobs moving when buyers need top-up materials, replacements or another delivery before previous work has been paid.
A better trade account experience
Flexible for buyers. Predictable for suppliers.
A clear digital flow supports growth on both sides of every approved transaction.
Win more of the order
Reduce immediate-payment friction so buyers can order the materials their project actually requires.
Protect your working capital
Receive the approved order amount from PastPay while the buyer keeps the agreed payment term.
Move risk and administration
PastPay handles digital assessment, later payment and approved non-payment risk within the merchant agreement.
Every way your customers order
One payment method across the trade counter, phone and webshop.
Keep the sales journey familiar. PastPay can sit inside your current channels, whether buyers order independently or with help from your team.
Find the right implementationTrade counter
Support assisted orders and in-person purchases.
Phone and email
Add PastPay to direct and account-managed sales.
B2B webshop
Offer payment terms directly in the digital checkout.
Portal, plugin or API
Choose the implementation route that fits your systems.
How PastPay works
From material order to settlement.
Four clear steps, with responsibilities visible throughout.
- 01
The buyer places an order
PastPay is selected for an eligible purchase in any supported sales channel.
- 02
PastPay assesses the transaction
The buyer sees the available limit, term and exact details before confirming.
- 03
You fulfil and invoice
Deliver or release the materials and upload the corresponding invoice.
- 04
You receive payment
PastPay manages the later buyer payment while your team keeps selling.
Relevant customer story
Káplár Fatelep
Flexible terms for larger building-material purchases.
See how a construction-materials merchant uses B2B BNPL to support larger purchases, returning customers and more predictable payment timing.
Read the customer storyFinancial accountability
Built for business-critical transactions.
MNB
Construction payment FAQs
Questions suppliers ask first.
Practical answers for construction and building-material merchants.
Why are flexible payment terms useful in construction and building materials?
Contractors and trade buyers often need materials before they receive payment for a project. PastPay can give eligible buyers 15–90 days to pay while the supplier receives the approved order amount from PastPay.
Can PastPay support online and offline building-material sales?
Yes. PastPay can support webshop, phone, email, in-store and field-sales journeys. Merchants can use supported webshop integrations, an API connection or the PastPay Portal without an integration.
Can buyers use PastPay for large or recurring material orders?
PastPay can be used for eligible purchases that fit within the buyer’s available limit. The available amount, payment term and transaction details are shown before confirmation.
When does a construction supplier receive payment?
Payment is typically made within one business day after an approved order has been fulfilled and its invoice is uploaded. Exact timing is confirmed during merchant onboarding.
Who manages buyer assessment and non-payment risk?
PastPay evaluates the buyer and transaction. For approved purchases, PastPay assumes non-payment risk within the scope defined in the merchant agreement.
How quickly can a construction merchant start offering PastPay?
The no-integration PastPay Portal route can be ready in as little as 48 hours. Plugin and API timelines depend on the merchant’s systems and selected sales channels.
Build a stronger trade offer