Installment payments for business buyers of equipment in Dublin: options and fees (2026)

The verdict in three sentences

For a commercial kitchen equipment seller whose carts range from 4,000 to 25,000 EUR ex VAT, the upfront price is the main reason large quotes stall. Three solutions cover almost every case in 2026: B2B pay in 3 or 4 installments (2 to 5 % fees), equipment leasing over 36 months, and 60-day payment terms guaranteed by a third party (1.5 to 3 % fees). Properly built into the checkout, they lift conversion on carts above 4,000 EUR by 15 to 30 %.

Why large B2B carts drop off at payment

A Dublin restaurant owner fitting out a kitchen buys a combi oven, a blast chiller and a hood dishwasher: the invoice quickly reaches 18,000 EUR ex VAT. Even if the investment pays off, the owner does not want to release that cash at once, especially at opening. If the website only offers "pay by card" or "bank transfer", they ask for a quote, compare, then buy from the competitor who shows a monthly payment.

Funnel data shows it clearly: on B2B equipment sites, cart abandonment often exceeds 80 % above 5,000 EUR, against 60 to 65 % below. The buyer is not disputing the price, they are blocked by the cash outflow. The answer is financial, not commercial: offer a way to pay that fits the customer's cash cycle, without the seller carrying the bad debt risk.

The three financing options compared

The figures below are 2026 orders of magnitude seen in Ireland and the wider euro area, for verified business customers (CRO number checked). Fees are usually paid by the seller, who can pass part of them into prices.

Leasing deserves particular attention: for the customer, the monthly rental is an operating expense, and a rate factor of 3.0 to 3.3 % per month over 36 months stays easy to read. For 18,000 EUR ex VAT, that means a rental of roughly 560 to 600 EUR per month. Legal reminder: under the EU Late Payment Directive, transposed in Ireland, B2B payment terms above 60 days must be expressly agreed and not grossly unfair to the supplier.

Building financing into the checkout

Most of the conversion lift comes from visibility. A monthly amount shown on the product page and in the cart changes how the price is perceived before the buyer even reaches payment.

The total integration budget is between 3,000 and 8,000 EUR ex VAT depending on the platform (Shopify Plus, Magento, WooCommerce or a custom site). Typical lead time is 3 to 6 weeks, including one week of onboarding with the provider. For technical scoping, see our B2B e-commerce page.

Mini case study

Conor, sales director at a commercial kitchen equipment seller in Dublin (illustrative example), handles 400 carts a year above 4,000 EUR ex VAT, with an average cart of 9,000 EUR. His conversion rate on these carts is 22 %, so 88 orders and 792,000 EUR ex VAT of revenue.

After adding pay in 3 or 4 and equipment leasing, he targets a 20 % relative increase, so 26.4 % conversion and 105 orders. Gain: 17 orders x 9,000 EUR = 153,000 EUR ex VAT of additional revenue. At a 30 % gross margin, that is 45,900 EUR. On the cost side: half of the orders go through installments at 3 % fees, so 105 x 0.5 x 9,000 x 3 % = 14,175 EUR, plus 6,000 EUR ex VAT of integration. Net gain in year one: about 25,700 EUR, and more in later years once the integration is paid off.

FAQ

Who pays the fees for B2B installment payments?

In most cases the seller, at 2 to 5 % of the amount. Some sellers pass 1 to 2 % into their prices and absorb the rest as an acquisition cost.

Does the seller get paid immediately?

Yes, with installments or guaranteed 60-day terms, the provider pays out within 1 to 5 business days. With leasing, the lessor pays the seller about 10 days after the signed delivery note.

What happens if the customer does not pay?

The bad debt risk sits with the provider or lessor, not the seller, once the order has been approved. Average approval rates for business customers are around 80 to 90 %.

Is leasing suitable for restaurants that are just opening?

Yes, it is often the only option for a company less than a year old, with a rental of about 3 % of the amount per month over 36 months. Some lessors ask for a first rental 10 to 20 % higher.

How long does it take to add these options to an existing site?

Plan 3 to 6 weeks and 3,000 to 8,000 EUR ex VAT of integration, depending on the platform and ERP sync. Provider onboarding usually takes one week.

Let's scope your project. Share your platform, average cart and volumes: we will price the installment and leasing integration, with an indicative budget and timeline. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.