Recurring payments
Recurring payments: collect your subscriptions by bank transfer
An invoice is generated at each due date and the customer pays it by bank transfer from their bank. You keep the regularity of a subscription, with no direct debit and no stored card.
Recurring, yes — debited, no
When people search for “recurring payment”, they often think of a stored card or a direct debit: the account is debited every month without the customer doing anything. virement.tn deliberately does it differently.
A virement.tn recurring payment is a subscription that generates an invoice at each due date. The customer sees it, then pays it by bank transfer from their own banking app. Nobody can debit their account on their behalf, and no card data is stored.
What this changes in practice: you no longer have to re-enter or claim each installment — invoices are generated, notified and tracked automatically. But the payment remains an action by the customer: if they forget, they are chased, not debited.
How a subscription works
- You create the subscription: the customer, a label, the frequency (monthly, quarterly, annual or one-off), a start date, an optional end date and an amount ceiling.
- You generate the installments: up to 24 invoices in advance in a single operation, each one dated.
- Each invoice appears on its date in the customer's space, and they are notified. Under the ceiling you set, it is confirmed automatically, with no new code.
- The customer transfers the amount to your verified RIB; the bank confirms, the invoice moves to “paid” and you are notified.
- Without payment, the delay is detected automatically and the customer is chased.
The customer can also choose to pay an upcoming installment early, if they wish.
Direct debit, card or recurring transfer: which is right?
| Direct debit / stored card | virement.tn recurring transfer | |
|---|---|---|
| Who triggers the payment | The organization, automatically | The customer, at each due date |
| Customer's consent | Once, then automatic debits | An agreement at the start, then one transfer per installment |
| Sensitive data | Card number or mandate | None: only a destination RIB |
| Risk of a forgotten installment | Low, but non-payment possible if funds are insufficient | Higher: hence the automatic reminders and follow-ups |
| Payer's control | Limited | Total |
The recurring transfer suits relationships where the customer wants to stay in control — membership fees, rent, premiums, school fees — and organizations that do not have access to a direct-debit solution.
Usage examples
- Association or condominium-manager membership fees, each quarter.
- Monthly or annual insurance premiums (see the insurance companies page).
- Rent and service charges on a fixed due date.
- Subscriptions to a service, monthly or annual.
- Monthly or quarterly school fees (see the private schools page).
If the total is known and is settled in a defined number of installments, prefer installment payments. For financing contracts with collections tracking, see leasing. Our article on recurring payments without direct debit details the advantages and limits.
A concrete example of periodic calls: condominium fees collected by bank transfer.
Frequently asked questions
Is a virement.tn recurring payment a direct debit?
No. The customer's account is never debited automatically. At each due date an invoice is issued and the customer pays it with a bank transfer they trigger themselves from their banking app. Regularity comes from the automatic generation of invoices and reminders, not from a debit.
Which frequencies are possible?
A subscription can be monthly, quarterly or annual, or one-off. You can generate a series of invoices in advance, up to 24 installments.
What happens if the customer forgets to pay?
The delay is detected automatically and the customer is chased. The invoice stays visible in their space until it is paid.
Can the customer stop or suspend a subscription?
Yes. The customer stays in control: they can suspend the subscription from their space. A subscription has a status (active, suspended, expired) and an optional end date, and no new invoice can be generated while it is not active.
Does the customer have to re-enter a code at every installment?
No. For a customer already committed to a subscription, under the ceiling you have set, the invoice is confirmed automatically at each due date, with no new code.
Ready to try virement.tn?
The Free pack lets you issue up to 10 invoices a month with no commitment, so you can test the whole process from start to finish.
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