[{"data":1,"prerenderedAt":736},["ShallowReactive",2],{"home-latest:en":3},[4,230,464],{"id":5,"title":6,"body":7,"category":206,"date":207,"description":208,"extension":209,"faq":210,"h1":220,"key":221,"meta":222,"navigation":223,"path":224,"rawbody":225,"readingTime":226,"seo":227,"stem":228,"updated":207,"__hash__":229},"blog_en\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website.md","Accepting bank transfer payments on your website",{"type":8,"value":9,"toc":195},"minimark",[10,14,19,47,50,54,92,96,118,122,154,158,174,183,187],[11,12,13],"p",{},"On an online store, card payment goes through a gateway that answers “paid” or “declined” within seconds. A bank transfer works differently: it is made by the buyer in their bank, after the order. Here is how to integrate it safely.",[15,16,18],"h2",{"id":17},"what-changes-compared-with-the-card","What changes compared with the card",[20,21,22,30,41],"ul",{},[23,24,25,29],"li",{},[26,27,28],"strong",{},"No hosted payment page, no redirect."," The buyer stays on your site.",[23,31,32,35,36,40],{},[26,33,34],{},"No immediate “paid” response."," The API call that creates the invoice answers that the order is ",[37,38,39],"em",{},"committed",".",[23,42,43,46],{},[26,44,45],{},"Confirmation arrives later",", by webhook, when the buyer's bank confirms the transfer.",[11,48,49],{},"In other words: the order is released only on that webhook.",[15,51,53],{"id":52},"the-journey-in-five-steps","The journey in five steps",[55,56,57,63,69,80,86],"ol",{},[23,58,59,62],{},[26,60,61],{},"The buyer chooses “pay with virement.tn”"," on your payment page.",[23,64,65,68],{},[26,66,67],{},"Your form asks for two fields",": their phone number and their validation code (6 characters, single-use, valid for 24 h, available in their virement.tn space). This code replaces entering a card number: it proves consent.",[23,70,71,74,75,79],{},[26,72,73],{},"Your server creates the invoice"," through the API, authenticating the call with your key in the ",[76,77,78],"code",{},"X-Api-Key"," header. The response indicates that the invoice is confirmed: the order is committed.",[23,81,82,85],{},[26,83,84],{},"The buyer makes the transfer"," from their bank's app, to your verified RIB.",[23,87,88,91],{},[26,89,90],{},"The bank confirms, virement.tn sends the signed webhook"," to your server. This is the signal to release the order.",[15,93,95],{"id":94},"what-you-need-before-starting","What you need before starting",[20,97,98,104,111],{},[23,99,100,101,40],{},"An active virement.tn ",[26,102,103],{},"merchant account",[23,105,106,107,110],{},"A ",[26,108,109],{},"verified RIB",": without it, invoice creation is refused.",[23,112,113,114,117],{},"An ",[26,115,116],{},"API key",", generated from Settings → API keys (Manager role required). The key and the webhook signing secret are displayed only once: keep them on the server side.",[15,119,121],{"id":120},"mistakes-to-avoid","Mistakes to avoid",[20,123,124,130,136,142,148],{},[23,125,126,129],{},[26,127,128],{},"Releasing the order on the API response."," This is the most serious mistake: the transfer has not happened yet.",[23,131,132,135],{},[26,133,134],{},"Calling the API from the browser."," Your API key must stay on your server.",[23,137,138,141],{},[26,139,140],{},"Not verifying the webhook signature."," Without that, anyone can fake a confirmation.",[23,143,144,147],{},[26,145,146],{},"Not making processing idempotent."," As a precaution, make sure receiving the same confirmation twice breaks nothing (releasing an already released order must have no effect).",[23,149,150,153],{},[26,151,152],{},"Forgetting the “never paid” case."," Plan for expiry or cancellation of orders awaiting a transfer.",[15,155,157],{"id":156},"why-offer-bank-transfer-in-addition-to-the-card","Why offer bank transfer in addition to the card",[20,159,160,165,171],{},[23,161,162],{},[26,163,164],{},"No card fees.",[23,166,167,170],{},[26,168,169],{},"No card data"," to handle or protect.",[23,172,173],{},"A natural option for customers who prefer not to enter their card online.",[11,175,176,177,182],{},"You don't have to choose: bank transfer can complement the card. Our comparison of ",[178,179,181],"a",{"href":180},"\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit","bank transfer, card or direct debit"," helps you decide according to your sales.",[15,184,186],{"id":185},"to-go-further","To go further",[11,188,189,190,194],{},"The ",[178,191,193],{"href":192},"\u002Fen\u002Fapi-integration","integration page"," summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.",{"title":196,"searchDepth":197,"depth":197,"links":198},"",3,[199,201,202,203,204,205],{"id":17,"depth":200,"text":18},2,{"id":52,"depth":200,"text":53},{"id":94,"depth":200,"text":95},{"id":120,"depth":200,"text":121},{"id":156,"depth":200,"text":157},{"id":185,"depth":200,"text":186},"Developers","2026-09-19","Integrating bank transfer payment into an online store: buyer journey, invoice creation via API, confirmation webhook and mistakes to avoid.","md",[211,214,217],{"q":212,"a":213},"When should you release an order paid by bank transfer?","When the confirmation webhook is received, never on the response to the invoice-creation call. At the end of that call, the order is committed but not yet paid.",{"q":215,"a":216},"Does the buyer have to enter a card number?","No. They provide their phone number and a validation code found in their virement.tn space, then pay by bank transfer from their bank.",{"q":218,"a":219},"How long does a validation code stay valid?","24 hours. It is single-use.","Accepting bank transfer payments on your e-commerce site","accepter-le-paiement-par-virement-sur-votre-site",{},true,"\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","---\nkey: \"accepter-le-paiement-par-virement-sur-votre-site\"\ntitle: \"Accepting bank transfer payments on your website\"\nh1: \"Accepting bank transfer payments on your e-commerce site\"\ndescription: \"Integrating bank transfer payment into an online store: buyer journey, invoice creation via API, confirmation webhook and mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Developers\"\nreadingTime: 6\nfaq:\n  - q: \"When should you release an order paid by bank transfer?\"\n    a: \"When the confirmation webhook is received, never on the response to the invoice-creation call. At the end of that call, the order is committed but not yet paid.\"\n  - q: \"Does the buyer have to enter a card number?\"\n    a: \"No. They provide their phone number and a validation code found in their virement.tn space, then pay by bank transfer from their bank.\"\n  - q: \"How long does a validation code stay valid?\"\n    a: \"24 hours. It is single-use.\"\n---\n\nOn an online store, card payment goes through a gateway that answers “paid” or “declined” within seconds. A bank transfer works differently: it is made by the buyer in their bank, after the order. Here is how to integrate it safely.\n\n## What changes compared with the card\n\n- **No hosted payment page, no redirect.** The buyer stays on your site.\n- **No immediate “paid” response.** The API call that creates the invoice answers that the order is *committed*.\n- **Confirmation arrives later**, by webhook, when the buyer's bank confirms the transfer.\n\nIn other words: the order is released only on that webhook.\n\n## The journey in five steps\n\n1. **The buyer chooses “pay with virement.tn”** on your payment page.\n2. **Your form asks for two fields**: their phone number and their validation code (6 characters, single-use, valid for 24 h, available in their virement.tn space). This code replaces entering a card number: it proves consent.\n3. **Your server creates the invoice** through the API, authenticating the call with your key in the `X-Api-Key` header. The response indicates that the invoice is confirmed: the order is committed.\n4. **The buyer makes the transfer** from their bank's app, to your verified RIB.\n5. **The bank confirms, virement.tn sends the signed webhook** to your server. This is the signal to release the order.\n\n## What you need before starting\n\n- An active virement.tn **merchant account**.\n- A **verified RIB**: without it, invoice creation is refused.\n- An **API key**, generated from Settings → API keys (Manager role required). The key and the webhook signing secret are displayed only once: keep them on the server side.\n\n## Mistakes to avoid\n\n- **Releasing the order on the API response.** This is the most serious mistake: the transfer has not happened yet.\n- **Calling the API from the browser.** Your API key must stay on your server.\n- **Not verifying the webhook signature.** Without that, anyone can fake a confirmation.\n- **Not making processing idempotent.** As a precaution, make sure receiving the same confirmation twice breaks nothing (releasing an already released order must have no effect).\n- **Forgetting the “never paid” case.** Plan for expiry or cancellation of orders awaiting a transfer.\n\n## Why offer bank transfer in addition to the card\n\n- **No card fees.**\n- **No card data** to handle or protect.\n- A natural option for customers who prefer not to enter their card online.\n\nYou don't have to choose: bank transfer can complement the card. Our comparison of [bank transfer, card or direct debit](\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit) helps you decide according to your sales.\n\n## To go further\n\nThe [integration page](\u002Fen\u002Fapi-integration) summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.\n",6,{"title":6,"description":208},"en\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","OXZW5oCgwQSzynxaVXjTmE62o2S7Vq_O-3wgNV-W3cs",{"id":231,"title":232,"body":233,"category":444,"date":207,"description":445,"extension":209,"faq":446,"h1":456,"key":457,"meta":458,"navigation":223,"path":180,"rawbody":459,"readingTime":460,"seo":461,"stem":462,"updated":207,"__hash__":463},"blog_en\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit.md","Bank transfer, card or direct debit: which to choose?",{"type":8,"value":234,"toc":437},[235,238,242,262,266,360,364,384,388,414,418,429],[11,236,237],{},"There is no best payment method in the absolute: there is the one that suits your type of sale. Here is a framework to choose.",[15,239,241],{"id":240},"three-questions-to-ask-yourself","Three questions to ask yourself",[55,243,244,250,256],{},[23,245,246,249],{},[26,247,248],{},"Who triggers the payment?"," You, or the customer?",[23,251,252,255],{},[26,253,254],{},"What sensitive data do you have to handle?"," A card number, a mandate, or only a destination RIB?",[23,257,258,261],{},[26,259,260],{},"How will you know the payment has been made?"," Immediately, or after the bank's confirmation?",[15,263,265],{"id":264},"the-three-methods-at-a-glance","The three methods at a glance",[267,268,269,287],"table",{},[270,271,272],"thead",{},[273,274,275,278,281,284],"tr",{},[276,277],"th",{},[276,279,280],{},"Bank card",[276,282,283],{},"Direct debit",[276,285,286],{},"Bank transfer",[288,289,290,305,319,333,346],"tbody",{},[273,291,292,296,299,302],{},[293,294,295],"td",{},"Who triggers",[293,297,298],{},"The customer, on a payment page",[293,300,301],{},"The organization, after authorization",[293,303,304],{},"The customer, from their bank",[273,306,307,310,313,316],{},[293,308,309],{},"Data handled",[293,311,312],{},"Card number",[293,314,315],{},"Direct-debit authorization",[293,317,318],{},"Destination RIB",[273,320,321,324,327,330],{},[293,322,323],{},"Gateway needed",[293,325,326],{},"Yes",[293,328,329],{},"Depends on the scheme",[293,331,332],{},"No",[273,334,335,338,341,344],{},[293,336,337],{},"Confirmation",[293,339,340],{},"By the gateway",[293,342,343],{},"By the bank",[293,345,343],{},[273,347,348,351,354,357],{},[293,349,350],{},"Payer's control",[293,352,353],{},"Medium",[293,355,356],{},"Limited",[293,358,359],{},"Total",[15,361,363],{"id":362},"when-to-choose-what","When to choose what",[20,365,366,372,378],{},[23,367,368,371],{},[26,369,370],{},"Small online purchases, quick checkout",": the card remains the smoothest.",[23,373,374,377],{},[26,375,376],{},"Subscriptions where payment must be automatic",": direct debit, if you can set it up.",[23,379,380,383],{},[26,381,382],{},"Large amounts, invoices, schedules, rent, tuition",": bank transfer, because it leaves the customer in charge of their payment and attaches directly to an invoice.",[15,385,387],{"id":386},"bank-transfer-with-tracking-what-changes","Bank transfer with tracking: what changes",[11,389,390,391,395,396,399,400,404,405,409,410,40],{},"The bank transfer suffers from a historical flaw: you can't easily tell which invoice it settles or when it arrived. ",[178,392,394],{"href":393},"\u002Fen\u002Fbank-transfer-tunisia","virement.tn"," fills that gap: the transfer is ",[26,397,398],{},"attached to an invoice",", the bank confirms, and you are notified by app, email or webhook. The same mechanism covers ",[178,401,403],{"href":402},"\u002Fen\u002Fleasing-tunisia","leasing",", ",[178,406,408],{"href":407},"\u002Fen\u002Finstallment-payments","installment payments"," and ",[178,411,413],{"href":412},"\u002Fen\u002Frecurring-payments","recurring payments",[15,415,417],{"id":416},"key-takeaways","Key takeaways",[20,419,420,423,426],{},[23,421,422],{},"The right method depends on the amount, the frequency and your customers' habits.",[23,424,425],{},"A bank transfer with automated tracking removes most of its drawbacks for the collector.",[23,427,428],{},"You don't have to choose: offer the method suited to each situation.",[11,430,431,432,436],{},"For the details of the bank transfer journey, see the ",[178,433,435],{"href":434},"\u002Fen\u002Fhow-it-works","how it works"," page.",{"title":196,"searchDepth":197,"depth":197,"links":438},[439,440,441,442,443],{"id":240,"depth":200,"text":241},{"id":264,"depth":200,"text":265},{"id":362,"depth":200,"text":363},{"id":386,"depth":200,"text":387},{"id":416,"depth":200,"text":417},"Collections","Comparing bank transfer, bank card and direct debit for collecting from customers: who triggers payment, sensitive data, tracking and suitable use cases.",[447,450,453],{"q":448,"a":449},"Which payment method should you choose for a large amount?","A bank transfer is often the most natural: the customer stays in control and the payment is attached to an invoice. The choice also depends on what your customers are used to.",{"q":451,"a":452},"Can you combine several payment methods?","Yes, and it is often relevant: card for small online purchases, bank transfer for large amounts and installments.",{"q":454,"a":455},"Can a bank transfer replace the card on an online store?","Yes, if your platform knows how to wait for the bank's confirmation before delivering. On virement.tn, the order is released when a confirmation webhook is received, not when the invoice is created.","Bank transfer, card or direct debit: which payment method should you choose?","virement-carte-ou-prelevement-quel-moyen-d-encaissement",{},"---\nkey: \"virement-carte-ou-prelevement-quel-moyen-d-encaissement\"\ntitle: \"Bank transfer, card or direct debit: which to choose?\"\nh1: \"Bank transfer, card or direct debit: which payment method should you choose?\"\ndescription: \"Comparing bank transfer, bank card and direct debit for collecting from customers: who triggers payment, sensitive data, tracking and suitable use cases.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Collections\"\nreadingTime: 5\nfaq:\n  - q: \"Which payment method should you choose for a large amount?\"\n    a: \"A bank transfer is often the most natural: the customer stays in control and the payment is attached to an invoice. The choice also depends on what your customers are used to.\"\n  - q: \"Can you combine several payment methods?\"\n    a: \"Yes, and it is often relevant: card for small online purchases, bank transfer for large amounts and installments.\"\n  - q: \"Can a bank transfer replace the card on an online store?\"\n    a: \"Yes, if your platform knows how to wait for the bank's confirmation before delivering. On virement.tn, the order is released when a confirmation webhook is received, not when the invoice is created.\"\n---\n\nThere is no best payment method in the absolute: there is the one that suits your type of sale. Here is a framework to choose.\n\n## Three questions to ask yourself\n\n1. **Who triggers the payment?** You, or the customer?\n2. **What sensitive data do you have to handle?** A card number, a mandate, or only a destination RIB?\n3. **How will you know the payment has been made?** Immediately, or after the bank's confirmation?\n\n## The three methods at a glance\n\n| | Bank card | Direct debit | Bank transfer |\n| --- | --- | --- | --- |\n| Who triggers | The customer, on a payment page | The organization, after authorization | The customer, from their bank |\n| Data handled | Card number | Direct-debit authorization | Destination RIB |\n| Gateway needed | Yes | Depends on the scheme | No |\n| Confirmation | By the gateway | By the bank | By the bank |\n| Payer's control | Medium | Limited | Total |\n\n## When to choose what\n\n- **Small online purchases, quick checkout**: the card remains the smoothest.\n- **Subscriptions where payment must be automatic**: direct debit, if you can set it up.\n- **Large amounts, invoices, schedules, rent, tuition**: bank transfer, because it leaves the customer in charge of their payment and attaches directly to an invoice.\n\n## Bank transfer with tracking: what changes\n\nThe bank transfer suffers from a historical flaw: you can't easily tell which invoice it settles or when it arrived. [virement.tn](\u002Fen\u002Fbank-transfer-tunisia) fills that gap: the transfer is **attached to an invoice**, the bank confirms, and you are notified by app, email or webhook. The same mechanism covers [leasing](\u002Fen\u002Fleasing-tunisia), [installment payments](\u002Fen\u002Finstallment-payments) and [recurring payments](\u002Fen\u002Frecurring-payments).\n\n## Key takeaways\n\n- The right method depends on the amount, the frequency and your customers' habits.\n- A bank transfer with automated tracking removes most of its drawbacks for the collector.\n- You don't have to choose: offer the method suited to each situation.\n\nFor the details of the bank transfer journey, see the [how it works](\u002Fen\u002Fhow-it-works) page.\n",5,{"title":232,"description":445},"en\u002Fblog\u002Fbank-transfer-card-or-direct-debit","5QN1X8bi0hRFkrLrUSIwdk-hPGwcqfiaH0eND6P_-Ho",{"id":465,"title":466,"body":467,"category":444,"date":207,"description":717,"extension":209,"faq":718,"h1":728,"key":729,"meta":730,"navigation":223,"path":731,"rawbody":732,"readingTime":226,"seo":733,"stem":734,"updated":207,"__hash__":735},"blog_en\u002Fen\u002Fblog\u002Fchasing-unpaid-invoices-schedule-and-templates.md","Chasing an unpaid invoice: schedule and templates",{"type":8,"value":468,"toc":710},[469,476,480,564,567,571,574,579,602,607,619,623,635,639,650,654,686,690,696,700],[11,470,471,472,475],{},"An unpaid invoice is almost never a refusal to pay. It is most often an oversight, a cash-flow lag or an invoice that was badly sent. A good reminder recovers the money ",[26,473,474],{},"without damaging the relationship"," — and without taking up your days.",[15,477,479],{"id":478},"the-principle-remind-early-gently-then-more-and-more-firmly","The principle: remind early, gently, then more and more firmly",[267,481,482,495],{},[270,483,484],{},[273,485,486,489,492],{},[276,487,488],{},"When",[276,490,491],{},"Goal",[276,493,494],{},"Tone",[288,496,497,511,525,538,551],{},[273,498,499,505,508],{},[293,500,501,504],{},[26,502,503],{},"Before the due date"," (around 3 days before)",[293,506,507],{},"Avoid the oversight",[293,509,510],{},"Friendly reminder",[273,512,513,519,522],{},[293,514,515,518],{},[26,516,517],{},"The day after the due date"," (1 day late)",[293,520,521],{},"Check that the invoice wasn't lost",[293,523,524],{},"Neutral, factual",[273,526,527,532,535],{},[293,528,529],{},[26,530,531],{},"7 days late",[293,533,534],{},"Get a payment date",[293,536,537],{},"Firm but courteous",[273,539,540,545,548],{},[293,541,542],{},[26,543,544],{},"15 days late",[293,546,547],{},"Signal how serious the delay is",[293,549,550],{},"Firm, with a proposed solution",[273,552,553,558,561],{},[293,554,555],{},[26,556,557],{},"Beyond",[293,559,560],{},"Handle the file",[293,562,563],{},"Call, payment schedule, formal handling",[11,565,566],{},"This rhythm — a reminder before and follow-ups at 1, 7 and 15 days late — is the one virement.tn applies automatically on the installments of installment payment plans and subscriptions, each step being sent only once.",[15,568,570],{"id":569},"message-templates","Message templates",[11,572,573],{},"Adapt the elements in brackets. Keep it short: an effective SMS fits in two sentences.",[11,575,576],{},[26,577,578],{},"Before the due date (3 days before)",[580,581,582],"blockquote",{},[11,583,584,585,589,590,593,594,597,598,601],{},"Hello ",[586,587,588],"span",{},"Name",", as a reminder, your invoice ",[586,591,592],{},"no."," for ",[586,595,596],{},"amount"," TND falls due on ",[586,599,600],{},"date",". You can pay it by bank transfer. Thank you!",[11,603,604],{},[26,605,606],{},"The day after the due date (1 day late)",[580,608,609],{},[11,610,584,611,613,614,593,616,618],{},[586,612,588],{},", unless we are mistaken, invoice ",[586,615,592],{},[586,617,596],{}," TND, due yesterday, has not yet been paid. Could you check? If the transfer has been sent, please ignore this message.",[11,620,621],{},[26,622,531],{},[580,624,625],{},[11,626,584,627,629,630,593,632,634],{},[586,628,588],{},", invoice ",[586,631,592],{},[586,633,596],{}," TND is 7 days late. Could you tell us a payment date? We remain available if you are facing a difficulty.",[11,636,637],{},[26,638,544],{},[580,640,641],{},[11,642,584,643,629,645,593,647,649],{},[586,644,588],{},[586,646,592],{},[586,648,596],{}," TND is 15 days late. Please pay it soon or contact us so that we can find a solution together (payment schedule, postponement).",[15,651,653],{"id":652},"five-rules-that-make-the-difference","Five rules that make the difference",[55,655,656,662,668,674,680],{},[23,657,658,661],{},[26,659,660],{},"Always mention the invoice",": number, amount, due date.",[23,663,664,667],{},[26,665,666],{},"Make paying easy",": a clear RIB, or better, a link to the invoice.",[23,669,670,673],{},[26,671,672],{},"Never accuse"," before checking: the transfer may be on its way.",[23,675,676,679],{},[26,677,678],{},"Offer a way out"," from 7 days late: a schedule or a postponement is better than silence.",[23,681,682,685],{},[26,683,684],{},"Keep a record"," of every reminder (date, channel, reply).",[15,687,689],{"id":688},"when-reminders-are-not-enough","When reminders are not enough",[11,691,692,693,695],{},"If the customer replies but does not pay, offer ",[178,694,408],{"href":407},": a spread, realistic amount is recovered more often than a full debt demanded all at once. For a large receivable or an unreachable customer, a more formal approach may be needed: then consult a legal professional rather than improvise.",[15,697,699],{"id":698},"automate-without-dehumanizing","Automate, without dehumanizing",[11,701,702,703,705,706,40],{},"Chasing by hand is time-consuming and irregular: you chase when you think of it, not when it is needed. With ",[178,704,394],{"href":434},", for the installments of a payment plan, a subscription or a leasing contract, the delay is calculated every day, the customer receives a reminder and then follow-ups at the steps above, and the collections dashboard shows you what is left to handle by hand — which is where your time is useful. The detailed steps for a leasing company are in our ",[178,707,709],{"href":708},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","collections method",{"title":196,"searchDepth":197,"depth":197,"links":711},[712,713,714,715,716],{"id":478,"depth":200,"text":479},{"id":569,"depth":200,"text":570},{"id":652,"depth":200,"text":653},{"id":688,"depth":200,"text":689},{"id":698,"depth":200,"text":699},"How to chase an unpaid invoice without upsetting the customer: reminder schedule before and after the due date, message templates and rules to follow.",[719,722,725],{"q":720,"a":721},"When should you chase an unpaid invoice?","A reminder a few days before the due date avoids many oversights. After the due date, follow up the next day, then at increasing intervals, for example at 7 and 15 days late, gradually firming up the tone.",{"q":723,"a":724},"Which channel should you use to chase: SMS, email or phone?","SMS and email suit the first reminders: they are quick and leave a record. The phone is better suited when the delay drags on or the amount is large.",{"q":726,"a":727},"What should you do if reminders have no effect?","Offer a realistic payment schedule, then consider a more formal approach. For any legal step (formal notice, proceedings), seek advice from a legal professional.",null,"relancer-une-facture-impayee-calendrier-et-modeles",{},"\u002Fen\u002Fblog\u002Fchasing-unpaid-invoices-schedule-and-templates","---\nkey: \"relancer-une-facture-impayee-calendrier-et-modeles\"\ntitle: \"Chasing an unpaid invoice: schedule and templates\"\ndescription: \"How to chase an unpaid invoice without upsetting the customer: reminder schedule before and after the due date, message templates and rules to follow.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Collections\"\nreadingTime: 6\nfaq:\n  - q: \"When should you chase an unpaid invoice?\"\n    a: \"A reminder a few days before the due date avoids many oversights. After the due date, follow up the next day, then at increasing intervals, for example at 7 and 15 days late, gradually firming up the tone.\"\n  - q: \"Which channel should you use to chase: SMS, email or phone?\"\n    a: \"SMS and email suit the first reminders: they are quick and leave a record. The phone is better suited when the delay drags on or the amount is large.\"\n  - q: \"What should you do if reminders have no effect?\"\n    a: \"Offer a realistic payment schedule, then consider a more formal approach. For any legal step (formal notice, proceedings), seek advice from a legal professional.\"\n---\n\nAn unpaid invoice is almost never a refusal to pay. It is most often an oversight, a cash-flow lag or an invoice that was badly sent. A good reminder recovers the money **without damaging the relationship** — and without taking up your days.\n\n## The principle: remind early, gently, then more and more firmly\n\n| When | Goal | Tone |\n| --- | --- | --- |\n| **Before the due date** (around 3 days before) | Avoid the oversight | Friendly reminder |\n| **The day after the due date** (1 day late) | Check that the invoice wasn't lost | Neutral, factual |\n| **7 days late** | Get a payment date | Firm but courteous |\n| **15 days late** | Signal how serious the delay is | Firm, with a proposed solution |\n| **Beyond** | Handle the file | Call, payment schedule, formal handling |\n\nThis rhythm — a reminder before and follow-ups at 1, 7 and 15 days late — is the one virement.tn applies automatically on the installments of installment payment plans and subscriptions, each step being sent only once.\n\n## Message templates\n\nAdapt the elements in brackets. Keep it short: an effective SMS fits in two sentences.\n\n**Before the due date (3 days before)**\n\n> Hello [Name], as a reminder, your invoice [no.] for [amount] TND falls due on [date]. You can pay it by bank transfer. Thank you!\n\n**The day after the due date (1 day late)**\n\n> Hello [Name], unless we are mistaken, invoice [no.] for [amount] TND, due yesterday, has not yet been paid. Could you check? If the transfer has been sent, please ignore this message.\n\n**7 days late**\n\n> Hello [Name], invoice [no.] for [amount] TND is 7 days late. Could you tell us a payment date? We remain available if you are facing a difficulty.\n\n**15 days late**\n\n> Hello [Name], invoice [no.] for [amount] TND is 15 days late. Please pay it soon or contact us so that we can find a solution together (payment schedule, postponement).\n\n## Five rules that make the difference\n\n1. **Always mention the invoice**: number, amount, due date.\n2. **Make paying easy**: a clear RIB, or better, a link to the invoice.\n3. **Never accuse** before checking: the transfer may be on its way.\n4. **Offer a way out** from 7 days late: a schedule or a postponement is better than silence.\n5. **Keep a record** of every reminder (date, channel, reply).\n\n## When reminders are not enough\n\nIf the customer replies but does not pay, offer [installment payments](\u002Fen\u002Finstallment-payments): a spread, realistic amount is recovered more often than a full debt demanded all at once. For a large receivable or an unreachable customer, a more formal approach may be needed: then consult a legal professional rather than improvise.\n\n## Automate, without dehumanizing\n\nChasing by hand is time-consuming and irregular: you chase when you think of it, not when it is needed. With [virement.tn](\u002Fen\u002Fhow-it-works), for the installments of a payment plan, a subscription or a leasing contract, the delay is calculated every day, the customer receives a reminder and then follow-ups at the steps above, and the collections dashboard shows you what is left to handle by hand — which is where your time is useful. The detailed steps for a leasing company are in our [collections method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia).\n",{"title":466,"description":717},"en\u002Fblog\u002Fchasing-unpaid-invoices-schedule-and-templates","zr6QYv5ljofY4bRMokrc-fXrehOuuGev7TYA_WRjAqA",1789922120256]