[{"data":1,"prerenderedAt":2641},["ShallowReactive",2],{"blog-index:en":3},[4,230,464,736,926,1073,1262,1426,1621,1793,1973,2165,2337,2463],{"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",{"id":737,"title":738,"body":739,"category":906,"date":207,"description":907,"extension":209,"faq":908,"h1":918,"key":919,"meta":920,"navigation":223,"path":921,"rawbody":922,"readingTime":460,"seo":923,"stem":924,"updated":207,"__hash__":925},"blog_en\u002Fen\u002Fblog\u002Fcollecting-condo-fees-by-bank-transfer.md","Condominium fees: collecting by bank transfer",{"type":8,"value":740,"toc":896},[741,744,748,774,778,783,790,794,808,812,858,862,881,885,888],[11,742,743],{},"Collecting condominium charges means repeating the same operation every quarter with dozens of owners: sending the call, waiting for payments, identifying who has paid, chasing the others. Bank transfer is the natural means of payment; it is tracking it that takes time.",[15,745,747],{"id":746},"the-usual-points-of-friction","The usual points of friction",[20,749,750,756,762,768],{},[23,751,752,755],{},[26,753,754],{},"Payments hard to reconcile",": a transfer with no reference doesn't say which unit it pays.",[23,757,758,761],{},[26,759,760],{},"Manual reminders",", often late, for lack of a clear view of unpaid amounts.",[23,763,764,767],{},[26,765,766],{},"Multiple owners"," for a single unit (joint ownership, heirs).",[23,769,770,773],{},[26,771,772],{},"An amount that comes from elsewhere",": the calculation of ownership shares is done in another tool.",[15,775,777],{"id":776},"the-two-ways-to-use-virementtn","The two ways to use virement.tn",[779,780,782],"h3",{"id":781},"directly-from-the-app","Directly, from the app",[11,784,785,786,789],{},"The manager creates the charge invoices per owner — one by one, or in bulk by CSV import — or sets up a ",[26,787,788],{},"periodic subscription"," that generates the charge calls at each due date. The amount is set by the manager. The owner receives a notification and pays by bank transfer, from their bank, to the condominium's verified RIB.",[779,791,793],{"id":792},"through-the-api-from-your-management-software","Through the API, from your management software",[11,795,796,797,800,801,804,805,807],{},"If your software already calculates ownership shares and calls, it can ",[26,798,799],{},"create the invoices in virement.tn"," and receive the ",[26,802,803],{},"payment confirmation"," in return: you re-enter nothing, and the “paid” status comes back automatically. The ",[178,806,193],{"href":192}," explains the principle.",[15,809,811],{"id":810},"what-this-changes-day-to-day","What this changes day to day",[267,813,814,824],{},[270,815,816],{},[273,817,818,821],{},[276,819,820],{},"Before",[276,822,823],{},"With virement.tn",[288,825,826,834,842,850],{},[273,827,828,831],{},[293,829,830],{},"Transfers with no reference to reconcile by hand",[293,832,833],{},"Each transfer is attached to an invoice",[273,835,836,839],{},[293,837,838],{},"Reminders when you think of it",[293,840,841],{},"Automatic reminder before the due date and overdue follow-ups",[273,843,844,847],{},[293,845,846],{},"Blurry view of unpaid amounts",[293,848,849],{},"Collections dashboard, with overdue installments",[273,851,852,855],{},[293,853,854],{},"A single recipient per unit",[293,856,857],{},"Several paying contacts per subscription",[15,859,861],{"id":860},"what-virementtn-does-not-do","What virement.tn does not do",[20,863,864,870,875],{},[23,865,866,869],{},[26,867,868],{},"No calculation of ownership shares or split keys",": the manager (or their software) remains the sole decision-maker on the amount.",[23,871,872],{},[26,873,874],{},"No management of general meetings or budget votes.",[23,876,877,880],{},[26,878,879],{},"No direct debit",": the owner triggers their own transfer.",[15,882,884],{"id":883},"the-good-reflex-one-call-one-reference","The good reflex: one call, one reference",[11,886,887],{},"Whatever the tool, always associate each charge call with a clear identifier (unit, period). It is what avoids manual reconciliation. On virement.tn, this reference is carried by the invoice itself.",[11,889,890,891,893,894,40],{},"For calls that recur on a regular due date, see ",[178,892,413],{"href":412},"; for spreading an unpaid amount over time, ",[178,895,408],{"href":407},{"title":196,"searchDepth":197,"depth":197,"links":897},[898,899,903,904,905],{"id":746,"depth":200,"text":747},{"id":776,"depth":200,"text":777,"children":900},[901,902],{"id":781,"depth":197,"text":782},{"id":792,"depth":197,"text":793},{"id":810,"depth":200,"text":811},{"id":860,"depth":200,"text":861},{"id":883,"depth":200,"text":884},"Condominiums","Condominium managers: bill charges per owner, generate periodic calls and track unpaid amounts, with payment by bank transfer.",[909,912,915],{"q":910,"a":911},"Does virement.tn calculate ownership shares and the split of charges?","No. The amount of each call is set by the manager, or sent by the management software that calculated it. virement.tn handles collection by bank transfer and tracking.",{"q":913,"a":914},"Can management software connect to virement.tn?","Yes, through the API: the software creates the invoices and receives the payment confirmation. See the integration page.",{"q":916,"a":917},"Can several owners be attached to the same unit?","Several paying contacts can be attached to the same subscription, which lets several owners see and pay the charge call.","Condominium fees: how a manager collects by bank transfer","charges-de-copropriete-encaisser-par-virement",{},"\u002Fen\u002Fblog\u002Fcollecting-condo-fees-by-bank-transfer","---\nkey: \"charges-de-copropriete-encaisser-par-virement\"\ntitle: \"Condominium fees: collecting by bank transfer\"\nh1: \"Condominium fees: how a manager collects by bank transfer\"\ndescription: \"Condominium managers: bill charges per owner, generate periodic calls and track unpaid amounts, with payment by bank transfer.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Condominiums\"\nreadingTime: 5\nfaq:\n  - q: \"Does virement.tn calculate ownership shares and the split of charges?\"\n    a: \"No. The amount of each call is set by the manager, or sent by the management software that calculated it. virement.tn handles collection by bank transfer and tracking.\"\n  - q: \"Can management software connect to virement.tn?\"\n    a: \"Yes, through the API: the software creates the invoices and receives the payment confirmation. See the integration page.\"\n  - q: \"Can several owners be attached to the same unit?\"\n    a: \"Several paying contacts can be attached to the same subscription, which lets several owners see and pay the charge call.\"\n---\n\nCollecting condominium charges means repeating the same operation every quarter with dozens of owners: sending the call, waiting for payments, identifying who has paid, chasing the others. Bank transfer is the natural means of payment; it is tracking it that takes time.\n\n## The usual points of friction\n\n- **Payments hard to reconcile**: a transfer with no reference doesn't say which unit it pays.\n- **Manual reminders**, often late, for lack of a clear view of unpaid amounts.\n- **Multiple owners** for a single unit (joint ownership, heirs).\n- **An amount that comes from elsewhere**: the calculation of ownership shares is done in another tool.\n\n## The two ways to use virement.tn\n\n### Directly, from the app\n\nThe manager creates the charge invoices per owner — one by one, or in bulk by CSV import — or sets up a **periodic subscription** that generates the charge calls at each due date. The amount is set by the manager. The owner receives a notification and pays by bank transfer, from their bank, to the condominium's verified RIB.\n\n### Through the API, from your management software\n\nIf your software already calculates ownership shares and calls, it can **create the invoices in virement.tn** and receive the **payment confirmation** in return: you re-enter nothing, and the “paid” status comes back automatically. The [integration page](\u002Fen\u002Fapi-integration) explains the principle.\n\n## What this changes day to day\n\n| Before | With virement.tn |\n| --- | --- |\n| Transfers with no reference to reconcile by hand | Each transfer is attached to an invoice |\n| Reminders when you think of it | Automatic reminder before the due date and overdue follow-ups |\n| Blurry view of unpaid amounts | Collections dashboard, with overdue installments |\n| A single recipient per unit | Several paying contacts per subscription |\n\n## What virement.tn does not do\n\n- **No calculation of ownership shares or split keys**: the manager (or their software) remains the sole decision-maker on the amount.\n- **No management of general meetings or budget votes.**\n- **No direct debit**: the owner triggers their own transfer.\n\n## The good reflex: one call, one reference\n\nWhatever the tool, always associate each charge call with a clear identifier (unit, period). It is what avoids manual reconciliation. On virement.tn, this reference is carried by the invoice itself.\n\nFor calls that recur on a regular due date, see [recurring payments](\u002Fen\u002Frecurring-payments); for spreading an unpaid amount over time, [installment payments](\u002Fen\u002Finstallment-payments).\n",{"title":738,"description":907},"en\u002Fblog\u002Fcollecting-condo-fees-by-bank-transfer","TF8BAqgRzh9lk7EpuaKblGSH8qpsVs9NLZzK7y_3AEs",{"id":927,"title":928,"body":929,"category":1053,"date":207,"description":1054,"extension":209,"faq":1055,"h1":1065,"key":1066,"meta":1067,"navigation":223,"path":1068,"rawbody":1069,"readingTime":460,"seo":1070,"stem":1071,"updated":207,"__hash__":1072},"blog_en\u002Fen\u002Fblog\u002Fcollecting-school-fees-by-bank-transfer.md","School fees: collecting by bank transfer",{"type":8,"value":930,"toc":1047},[931,934,938,964,968,1000,1004,1007,1011,1032,1040],[11,932,933],{},"For a private school — nursery, school, middle school, high school, university, training center — tuition fees are the heart of cash flow. They are also a constant source of chasing: several parents, several installments, delays that accumulate in silence.",[15,935,937],{"id":936},"the-difficulties-specific-to-schooling","The difficulties specific to schooling",[20,939,940,946,952,958],{},[23,941,942,945],{},[26,943,944],{},"Several payers per student."," The father, the mother or a guardian must be able to see and pay the same invoice.",[23,947,948,951],{},[26,949,950],{},"A cycle that renews."," Unlike a loan, schooling has no scheduled end: it starts again every year, often with a change of level or class.",[23,953,954,957],{},[26,955,956],{},"Fees of different natures."," Registration fees are annual and one-off; tuition fees are periodic.",[23,959,960,963],{},[26,961,962],{},"An up-to-date roster."," Levels, classes, parents' contact details: without a clean base, invoicing becomes data-entry work.",[15,965,967],{"id":966},"how-virementtn-structures-school-invoicing","How virement.tn structures school invoicing",[55,969,970,976,982,988,994],{},[23,971,972,975],{},[26,973,974],{},"The student roster."," You register students with their level and class, one by one or by CSV import, with each one's paying contacts.",[23,977,978,981],{},[26,979,980],{},"The tuition subscription."," For each student, a subscription generates the periodic invoices — for example each quarter — for an amount you set.",[23,983,984,987],{},[26,985,986],{},"Registration fees."," They are issued separately, as a one-off invoice.",[23,989,990,993],{},[26,991,992],{},"Payment by bank transfer."," Each parent pays the invoice by bank transfer from their bank, to your verified RIB; the bank confirms, the invoice moves to “paid”.",[23,995,996,999],{},[26,997,998],{},"Tracking delays."," Reminders before the due date and overdue follow-ups are sent automatically to all of the student's paying contacts. A collections dashboard groups overdue installments by age or by amount, with totals per subscription.",[15,1001,1003],{"id":1002},"what-parents-see","What parents see",[11,1005,1006],{},"Each parent finds, in their space, their child's invoices: installments paid, upcoming, overdue. They pay from their own bank — no card to enter, no account debited without their knowledge.",[15,1008,1010],{"id":1009},"the-limits-to-know-about","The limits to know about",[20,1012,1013,1020,1026],{},[23,1014,1015,1016,1019],{},"virement.tn manages ",[26,1017,1018],{},"neither grades, nor absences, nor timetables",": only invoicing and payment.",[23,1021,1022,1025],{},[26,1023,1024],{},"Automated late-payment penalties"," exist for installment payment plans, not for tuition subscriptions.",[23,1027,189,1028,1031],{},[26,1029,1030],{},"amount is the one you set",": the platform does not calculate discounts (siblings, scholarship).",[11,1033,1034,1035,1037,1038,40],{},"If you wish to offer a spread of an overall sum (arrears, a full year), ",[178,1036,408],{"href":407}," are more suitable than a subscription. To understand the logic of a periodic subscription, see ",[178,1039,413],{"href":412},[11,1041,189,1042,1046],{},[178,1043,1045],{"href":1044},"\u002Fen\u002Fprivate-schools-tuition","private schools"," page presents the whole offer for schools.",{"title":196,"searchDepth":197,"depth":197,"links":1048},[1049,1050,1051,1052],{"id":936,"depth":200,"text":937},{"id":966,"depth":200,"text":967},{"id":1002,"depth":200,"text":1003},{"id":1009,"depth":200,"text":1010},"Education","Private schools: bill school fees by the quarter, notify all paying parents and track delays, with payment by bank transfer.",[1056,1059,1062],{"q":1057,"a":1058},"Can several parents see and pay the same tuition invoice?","Yes. Several paying contacts (father, mother, guardian) can be attached to the same subscription: each sees and pays the invoice from their own space, and reminders are sent to them.",{"q":1060,"a":1061},"How do you invoice registration fees?","As a standard one-off invoice, separate from the recurring tuition subscription, since it is an annual fee and not a periodic installment.",{"q":1063,"a":1064},"Does virement.tn manage grades, absences or timetables?","No. The platform is limited to invoicing, payment and collections tracking.","School fees: collecting by bank transfer, without chasing parents","frais-de-scolarite-encaisser-par-virement",{},"\u002Fen\u002Fblog\u002Fcollecting-school-fees-by-bank-transfer","---\nkey: \"frais-de-scolarite-encaisser-par-virement\"\ntitle: \"School fees: collecting by bank transfer\"\nh1: \"School fees: collecting by bank transfer, without chasing parents\"\ndescription: \"Private schools: bill school fees by the quarter, notify all paying parents and track delays, with payment by bank transfer.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Education\"\nreadingTime: 5\nfaq:\n  - q: \"Can several parents see and pay the same tuition invoice?\"\n    a: \"Yes. Several paying contacts (father, mother, guardian) can be attached to the same subscription: each sees and pays the invoice from their own space, and reminders are sent to them.\"\n  - q: \"How do you invoice registration fees?\"\n    a: \"As a standard one-off invoice, separate from the recurring tuition subscription, since it is an annual fee and not a periodic installment.\"\n  - q: \"Does virement.tn manage grades, absences or timetables?\"\n    a: \"No. The platform is limited to invoicing, payment and collections tracking.\"\n---\n\nFor a private school — nursery, school, middle school, high school, university, training center — tuition fees are the heart of cash flow. They are also a constant source of chasing: several parents, several installments, delays that accumulate in silence.\n\n## The difficulties specific to schooling\n\n- **Several payers per student.** The father, the mother or a guardian must be able to see and pay the same invoice.\n- **A cycle that renews.** Unlike a loan, schooling has no scheduled end: it starts again every year, often with a change of level or class.\n- **Fees of different natures.** Registration fees are annual and one-off; tuition fees are periodic.\n- **An up-to-date roster.** Levels, classes, parents' contact details: without a clean base, invoicing becomes data-entry work.\n\n## How virement.tn structures school invoicing\n\n1. **The student roster.** You register students with their level and class, one by one or by CSV import, with each one's paying contacts.\n2. **The tuition subscription.** For each student, a subscription generates the periodic invoices — for example each quarter — for an amount you set.\n3. **Registration fees.** They are issued separately, as a one-off invoice.\n4. **Payment by bank transfer.** Each parent pays the invoice by bank transfer from their bank, to your verified RIB; the bank confirms, the invoice moves to “paid”.\n5. **Tracking delays.** Reminders before the due date and overdue follow-ups are sent automatically to all of the student's paying contacts. A collections dashboard groups overdue installments by age or by amount, with totals per subscription.\n\n## What parents see\n\nEach parent finds, in their space, their child's invoices: installments paid, upcoming, overdue. They pay from their own bank — no card to enter, no account debited without their knowledge.\n\n## The limits to know about\n\n- virement.tn manages **neither grades, nor absences, nor timetables**: only invoicing and payment.\n- **Automated late-payment penalties** exist for installment payment plans, not for tuition subscriptions.\n- The **amount is the one you set**: the platform does not calculate discounts (siblings, scholarship).\n\nIf you wish to offer a spread of an overall sum (arrears, a full year), [installment payments](\u002Fen\u002Finstallment-payments) are more suitable than a subscription. To understand the logic of a periodic subscription, see [recurring payments](\u002Fen\u002Frecurring-payments).\n\nThe [private schools](\u002Fen\u002Fprivate-schools-tuition) page presents the whole offer for schools.\n",{"title":928,"description":1054},"en\u002Fblog\u002Fcollecting-school-fees-by-bank-transfer","9CmBta8IzCG-jBj-iar00JvRwwyguzmhhssgRiKL7HI",{"id":1074,"title":1075,"body":1076,"category":1241,"date":207,"description":1242,"extension":209,"faq":1243,"h1":1253,"key":1254,"meta":1255,"navigation":223,"path":1256,"rawbody":1257,"readingTime":1258,"seo":1259,"stem":1260,"updated":207,"__hash__":1261},"blog_en\u002Fen\u002Fblog\u002Fconfirmed-vs-paid-invoice.md","Confirmed or paid invoice: the difference",{"type":8,"value":1077,"toc":1233},[1078,1081,1085,1148,1151,1155,1175,1179,1186,1190,1197,1201,1211,1213,1228],[11,1079,1080],{},"In a payment by bank transfer, several moments follow one another: the request, the customer's agreement, the execution of the transfer, its receipt. Confusing them is the source of most delivery and accounting errors. virement.tn distinguishes them explicitly.",[15,1082,1084],{"id":1083},"the-stages-of-an-invoice","The stages of an invoice",[267,1086,1087,1100],{},[270,1088,1089],{},[273,1090,1091,1094,1097],{},[276,1092,1093],{},"Stage",[276,1095,1096],{},"What happened",[276,1098,1099],{},"What it proves",[288,1101,1102,1115,1132],{},[273,1103,1104,1109,1112],{},[293,1105,1106],{},[26,1107,1108],{},"Issued",[293,1110,1111],{},"The organization created the invoice",[293,1113,1114],{},"A payment request exists",[273,1116,1117,1122,1125],{},[293,1118,1119],{},[26,1120,1121],{},"Confirmed",[293,1123,1124],{},"The payer gave their consent (validation code), or confirmation was automatic for an already committed customer",[293,1126,1127,1128,1131],{},"The payer ",[26,1129,1130],{},"accepts"," the invoice",[273,1133,1134,1139,1142],{},[293,1135,1136],{},[26,1137,1138],{},"Paid",[293,1140,1141],{},"The bank confirmed execution of the transfer",[293,1143,1144,1145],{},"The money ",[26,1146,1147],{},"has really been sent",[11,1149,1150],{},"A confirmed invoice is therefore “awaiting payment”: the customer has committed, but the transfer has not yet been executed.",[15,1152,1154],{"id":1153},"why-this-distinction-protects-everyone","Why this distinction protects everyone",[20,1156,1157,1163,1169],{},[23,1158,1159,1162],{},[26,1160,1161],{},"The merchant"," doesn't deliver on a mere promise.",[23,1164,1165,1168],{},[26,1166,1167],{},"The customer"," isn't declared the payer of an invoice they haven't settled.",[23,1170,1171,1174],{},[26,1172,1173],{},"The accountant"," has a single source of truth: the bank's confirmation.",[15,1176,1178],{"id":1177},"the-role-of-the-validation-code","The role of the validation code",[11,1180,1181,1182,1185],{},"The validation code — 6 characters, single-use, valid for 24 hours — is found in the payer's space. It ",[26,1183,1184],{},"proves their consent"," and replaces entering a card number. But it moves no money: it is the transfer, executed afterwards from the bank, that does.",[15,1187,1189],{"id":1188},"for-an-already-committed-customer","For an already committed customer",[11,1191,1192,1193,1196],{},"For an already identified customer — recurring subscriber, insured person, tenant on a leasing contract — under a ceiling set by the organization, the invoice can be confirmed automatically, with no code. The principle remains the same: it is ",[26,1194,1195],{},"paid"," only after bank confirmation.",[15,1198,1200],{"id":1199},"what-this-implies-for-online-sales","What this implies for online sales",[11,1202,1203,1204,1207,1208,40],{},"If you integrate virement.tn into a store, the rule is simple: ",[26,1205,1206],{},"the order is released only when the confirmation webhook is received",", never on the response to the invoice-creation call. The details are in the article on ",[178,1209,1210],{"href":224},"integrating bank transfer payment on your site",[15,1212,417],{"id":416},[20,1214,1215,1220,1225],{},[23,1216,1217,1219],{},[26,1218,1121],{}," = the customer said yes.",[23,1221,1222,1224],{},[26,1223,1138],{}," = the bank confirmed the transfer.",[23,1226,1227],{},"Only the second authorizes delivery and the accounting entry.",[11,1229,1230,1231,436],{},"The full journey is described on the ",[178,1232,435],{"href":434},{"title":196,"searchDepth":197,"depth":197,"links":1234},[1235,1236,1237,1238,1239,1240],{"id":1083,"depth":200,"text":1084},{"id":1153,"depth":200,"text":1154},{"id":1177,"depth":200,"text":1178},{"id":1188,"depth":200,"text":1189},{"id":1199,"depth":200,"text":1200},{"id":416,"depth":200,"text":417},"How it works","On virement.tn, a confirmed invoice is not a paid invoice. Understanding the statuses, the validation code and confirmation by the bank.",[1244,1247,1250],{"q":1245,"a":1246},"What makes an invoice move to “paid”?","Only the bank's confirmation that the transfer was actually executed. Neither the creation of the invoice, nor the validation code, nor a simple declaration by the payer is enough.",{"q":1248,"a":1249},"What does the validation code prove?","The payer's consent: it confirms that they accept the invoice. It does not prove that the money has been sent.",{"q":1251,"a":1252},"When should you deliver a good or a service?","On receipt of the payment confirmation, not before. That is the signal that should trigger delivery.","Confirmed or paid invoice: why bank confirmation matters","facture-confirmee-ou-payee-confirmation-bancaire",{},"\u002Fen\u002Fblog\u002Fconfirmed-vs-paid-invoice","---\nkey: \"facture-confirmee-ou-payee-confirmation-bancaire\"\ntitle: \"Confirmed or paid invoice: the difference\"\nh1: \"Confirmed or paid invoice: why bank confirmation matters\"\ndescription: \"On virement.tn, a confirmed invoice is not a paid invoice. Understanding the statuses, the validation code and confirmation by the bank.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"How it works\"\nreadingTime: 4\nfaq:\n  - q: \"What makes an invoice move to “paid”?\"\n    a: \"Only the bank's confirmation that the transfer was actually executed. Neither the creation of the invoice, nor the validation code, nor a simple declaration by the payer is enough.\"\n  - q: \"What does the validation code prove?\"\n    a: \"The payer's consent: it confirms that they accept the invoice. It does not prove that the money has been sent.\"\n  - q: \"When should you deliver a good or a service?\"\n    a: \"On receipt of the payment confirmation, not before. That is the signal that should trigger delivery.\"\n---\n\nIn a payment by bank transfer, several moments follow one another: the request, the customer's agreement, the execution of the transfer, its receipt. Confusing them is the source of most delivery and accounting errors. virement.tn distinguishes them explicitly.\n\n## The stages of an invoice\n\n| Stage | What happened | What it proves |\n| --- | --- | --- |\n| **Issued** | The organization created the invoice | A payment request exists |\n| **Confirmed** | The payer gave their consent (validation code), or confirmation was automatic for an already committed customer | The payer **accepts** the invoice |\n| **Paid** | The bank confirmed execution of the transfer | The money **has really been sent** |\n\nA confirmed invoice is therefore “awaiting payment”: the customer has committed, but the transfer has not yet been executed.\n\n## Why this distinction protects everyone\n\n- **The merchant** doesn't deliver on a mere promise.\n- **The customer** isn't declared the payer of an invoice they haven't settled.\n- **The accountant** has a single source of truth: the bank's confirmation.\n\n## The role of the validation code\n\nThe validation code — 6 characters, single-use, valid for 24 hours — is found in the payer's space. It **proves their consent** and replaces entering a card number. But it moves no money: it is the transfer, executed afterwards from the bank, that does.\n\n## For an already committed customer\n\nFor an already identified customer — recurring subscriber, insured person, tenant on a leasing contract — under a ceiling set by the organization, the invoice can be confirmed automatically, with no code. The principle remains the same: it is **paid** only after bank confirmation.\n\n## What this implies for online sales\n\nIf you integrate virement.tn into a store, the rule is simple: **the order is released only when the confirmation webhook is received**, never on the response to the invoice-creation call. The details are in the article on [integrating bank transfer payment on your site](\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website).\n\n## Key takeaways\n\n- **Confirmed** = the customer said yes.\n- **Paid** = the bank confirmed the transfer.\n- Only the second authorizes delivery and the accounting entry.\n\nThe full journey is described on the [how it works](\u002Fen\u002Fhow-it-works) page.\n",4,{"title":1075,"description":1242},"en\u002Fblog\u002Fconfirmed-vs-paid-invoice","XKV0TpoHHjxaAd4ypaFy4KrXyav0dOKK2pwwk7z6sEY",{"id":1263,"title":1264,"body":1265,"category":1406,"date":207,"description":1407,"extension":209,"faq":1408,"h1":1418,"key":1419,"meta":1420,"navigation":223,"path":1421,"rawbody":1422,"readingTime":1258,"seo":1423,"stem":1424,"updated":207,"__hash__":1425},"blog_en\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr.md","Group fund and open-amount QR",{"type":8,"value":1266,"toc":1399},[1267,1270,1274,1280,1283,1287,1298,1301,1304,1335,1339,1359,1363,1389],[11,1268,1269],{},"A group gift, a donation, a tip, a free contribution to an event: in all these cases the amount is not known in advance and everyone gives what they want. A standard invoice, with a fixed amount, doesn't fit. Two optional virement.tn modules meet this need.",[15,1271,1273],{"id":1272},"the-open-amount-qr","The open-amount QR",[11,1275,106,1276,1279],{},[26,1277,1278],{},"fixed, reusable link or QR code",", where the payer chooses the amount themselves. You can set minimum and maximum limits if you wish.",[11,1281,1282],{},"Typical uses: free donation, tip, contribution, payment for a small service with no prepared invoice.",[15,1284,1286],{"id":1285},"the-group-fund","The group fund",[11,1288,1289,1290,1293,1294,1297],{},"It is the same principle, with a ",[26,1291,1292],{},"displayed goal"," and a ",[26,1295,1296],{},"closing date",": everyone contributes the amount they want, and everyone sees the progress.",[11,1299,1300],{},"Typical uses: group gift, contribution to a trip or an event, collection for an association or a project.",[15,1302,1241],{"id":1303},"how-it-works",[55,1305,1306,1312,1318,1323,1329],{},[23,1307,1308,1311],{},[26,1309,1310],{},"You enable the module"," from Settings → Features (modules are off by default, so nothing clutters your menu).",[23,1313,1314,1317],{},[26,1315,1316],{},"You create the link or the group fund",": title, description, destination RIB, and for a group fund, the goal and the closing date.",[23,1319,1320],{},[26,1321,1322],{},"You share the link or the QR code.",[23,1324,1325,1328],{},[26,1326,1327],{},"Each contributor chooses their amount"," and pays by bank transfer from their bank.",[23,1330,1331,1334],{},[26,1332,1333],{},"You follow the contributions"," as they come in; each transfer confirmed by the bank is recorded.",[15,1336,1338],{"id":1337},"what-it-is-not","What it is not",[20,1340,1341,1347,1353],{},[23,1342,1343,1346],{},[26,1344,1345],{},"Not a deposit account."," Money does not pile up at virement.tn: each contribution is a direct transfer to your RIB.",[23,1348,1349,1352],{},[26,1350,1351],{},"Not anonymous."," Each contributor goes through their virement.tn space, as for any invoice.",[23,1354,1355,1358],{},[26,1356,1357],{},"No direct debit."," Nobody is debited without having decided it.",[15,1360,1362],{"id":1361},"tips-for-a-successful-fundraiser","Tips for a successful fundraiser",[20,1364,1365,1371,1377,1383],{},[23,1366,1367,1370],{},[26,1368,1369],{},"Explain what the money is for"," in the description.",[23,1372,1373,1376],{},[26,1374,1375],{},"Set a realistic goal",": watching the bar advance motivates more than an unreachable target.",[23,1378,1379,1382],{},[26,1380,1381],{},"Give a closing date"," to create a rhythm.",[23,1384,1385,1388],{},[26,1386,1387],{},"Say thank you"," to contributors at the end: it is what makes the next fundraiser possible.",[11,1390,1391,1392,1396,1397,40],{},"The open-amount QR and group fund modules are included in every pack: only the volume of transfers varies, see ",[178,1393,1395],{"href":1394},"\u002Fen\u002Fpricing","pricing",". To understand the general principle of payment by bank transfer, read ",[178,1398,435],{"href":434},{"title":196,"searchDepth":197,"depth":197,"links":1400},[1401,1402,1403,1404,1405],{"id":1272,"depth":200,"text":1273},{"id":1285,"depth":200,"text":1286},{"id":1303,"depth":200,"text":1241},{"id":1337,"depth":200,"text":1338},{"id":1361,"depth":200,"text":1362},"Fundraising","Organizing a group fund or an open-amount payment link in Tunisia: how it works, displayed goal, direct bank transfer to your RIB.",[1409,1412,1415],{"q":1410,"a":1411},"Does the money in a group fund go through virement.tn?","No. Each contribution is treated as a standard invoice, paid by bank transfer directly to the organizer's RIB. virement.tn does not hold the funds and has no intermediate account.",{"q":1413,"a":1414},"Do contributors need an account?","Yes, they go through their virement.tn space, as for any other invoice.",{"q":1416,"a":1417},"Can you set a goal and a closing date?","Yes, for a group fund: the goal is displayed, and a closing date can be set.","Group fund and open-amount QR: collect by bank transfer","cagnotte-collective-et-qr-montant-libre",{},"\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr","---\nkey: \"cagnotte-collective-et-qr-montant-libre\"\ntitle: \"Group fund and open-amount QR\"\nh1: \"Group fund and open-amount QR: collect by bank transfer\"\ndescription: \"Organizing a group fund or an open-amount payment link in Tunisia: how it works, displayed goal, direct bank transfer to your RIB.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Fundraising\"\nreadingTime: 4\nfaq:\n  - q: \"Does the money in a group fund go through virement.tn?\"\n    a: \"No. Each contribution is treated as a standard invoice, paid by bank transfer directly to the organizer's RIB. virement.tn does not hold the funds and has no intermediate account.\"\n  - q: \"Do contributors need an account?\"\n    a: \"Yes, they go through their virement.tn space, as for any other invoice.\"\n  - q: \"Can you set a goal and a closing date?\"\n    a: \"Yes, for a group fund: the goal is displayed, and a closing date can be set.\"\n---\n\nA group gift, a donation, a tip, a free contribution to an event: in all these cases the amount is not known in advance and everyone gives what they want. A standard invoice, with a fixed amount, doesn't fit. Two optional virement.tn modules meet this need.\n\n## The open-amount QR\n\nA **fixed, reusable link or QR code**, where the payer chooses the amount themselves. You can set minimum and maximum limits if you wish.\n\nTypical uses: free donation, tip, contribution, payment for a small service with no prepared invoice.\n\n## The group fund\n\nIt is the same principle, with a **displayed goal** and a **closing date**: everyone contributes the amount they want, and everyone sees the progress.\n\nTypical uses: group gift, contribution to a trip or an event, collection for an association or a project.\n\n## How it works\n\n1. **You enable the module** from Settings → Features (modules are off by default, so nothing clutters your menu).\n2. **You create the link or the group fund**: title, description, destination RIB, and for a group fund, the goal and the closing date.\n3. **You share the link or the QR code.**\n4. **Each contributor chooses their amount** and pays by bank transfer from their bank.\n5. **You follow the contributions** as they come in; each transfer confirmed by the bank is recorded.\n\n## What it is not\n\n- **Not a deposit account.** Money does not pile up at virement.tn: each contribution is a direct transfer to your RIB.\n- **Not anonymous.** Each contributor goes through their virement.tn space, as for any invoice.\n- **No direct debit.** Nobody is debited without having decided it.\n\n## Tips for a successful fundraiser\n\n- **Explain what the money is for** in the description.\n- **Set a realistic goal**: watching the bar advance motivates more than an unreachable target.\n- **Give a closing date** to create a rhythm.\n- **Say thank you** to contributors at the end: it is what makes the next fundraiser possible.\n\nThe open-amount QR and group fund modules are included in every pack: only the volume of transfers varies, see [pricing](\u002Fen\u002Fpricing). To understand the general principle of payment by bank transfer, read [how it works](\u002Fen\u002Fhow-it-works).\n",{"title":1264,"description":1407},"en\u002Fblog\u002Fgroup-fund-and-open-amount-qr","Idkso2ddhXVfjjTl89XmFW1tFEZqybOrW8jOYpnRpvk",{"id":1427,"title":1428,"body":1429,"category":1602,"date":207,"description":1603,"extension":209,"faq":1604,"h1":728,"key":1614,"meta":1615,"navigation":223,"path":1616,"rawbody":1617,"readingTime":460,"seo":1618,"stem":1619,"updated":207,"__hash__":1620},"blog_en\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia.md","Leasing in Tunisia: how does it work?",{"type":8,"value":1430,"toc":1594},[1431,1434,1438,1452,1456,1476,1480,1512,1516,1519,1533,1544,1548,1551,1581,1585],[11,1432,1433],{},"Leasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.",[15,1435,1437],{"id":1436},"the-principle","The principle",[11,1439,106,1440,1443,1444,1447,1448,1451],{},[26,1441,1442],{},"leasing company"," buys an asset chosen by its customer and makes it available for a set period, in return for regular ",[26,1445,1446],{},"rent",". During the contract, the asset belongs to the leasing company; the customer, called the ",[26,1449,1450],{},"lessee",", uses it.",[15,1453,1455],{"id":1454},"the-parties","The parties",[20,1457,1458,1464,1470],{},[23,1459,1460,1463],{},[26,1461,1462],{},"The leasing company"," (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.",[23,1465,1466,1469],{},[26,1467,1468],{},"The lessee",": a business, a professional or sometimes an individual, who uses the asset and pays the rent.",[23,1471,1472,1475],{},[26,1473,1474],{},"The supplier",": the one who sells the asset to the leasing company.",[15,1477,1479],{"id":1478},"how-a-contract-unfolds","How a contract unfolds",[55,1481,1482,1488,1494,1500,1506],{},[23,1483,1484,1487],{},[26,1485,1486],{},"Choosing the asset."," The customer selects the equipment from a supplier.",[23,1489,1490,1493],{},[26,1491,1492],{},"The financing agreement."," The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.",[23,1495,1496,1499],{},[26,1497,1498],{},"Purchase and handover."," The leasing company buys the asset and hands it over to the lessee.",[23,1501,1502,1505],{},[26,1503,1504],{},"The rent."," The lessee pays each installment — most often monthly or quarterly — throughout the contract.",[23,1507,1508,1511],{},[26,1509,1510],{},"End of the contract."," Depending on its terms: exercising a purchase option, returning the asset, or renewal.",[15,1513,1515],{"id":1514},"where-tracking-gets-difficult-for-the-leasing-company","Where tracking gets difficult for the leasing company",[11,1517,1518],{},"A leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:",[20,1520,1521,1524,1527,1530],{},[23,1522,1523],{},"which installments are coming, and which have been paid;",[23,1525,1526],{},"which lessees are late, and for how long;",[23,1528,1529],{},"who to chase, and when;",[23,1531,1532],{},"what amount is really at risk.",[11,1534,1535,1536,1539,1540,1543],{},"Doing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why ",[26,1537,1538],{},"collections"," has become a profession in its own right in leasing; our article on the ",[178,1541,1542],{"href":708},"rent collection method"," details the steps.",[15,1545,1547],{"id":1546},"what-the-lessee-should-check-before-signing","What the lessee should check before signing",[11,1549,1550],{},"Without replacing professional advice, a few points deserve a careful reading of the contract:",[20,1552,1553,1560,1566,1572,1578],{},[23,1554,1555,1556,1559],{},"the ",[26,1557,1558],{},"total amount"," paid over the whole duration, not only the monthly rent;",[23,1561,1555,1562,1565],{},[26,1563,1564],{},"frequency"," and the due dates;",[23,1567,1555,1568,1571],{},[26,1569,1570],{},"consequences of a delay"," (penalties, forfeiture threshold);",[23,1573,1555,1574,1577],{},[26,1575,1576],{},"end-of-contract conditions"," (purchase option, return);",[23,1579,1580],{},"the costs that remain the lessee's responsibility (insurance, maintenance).",[15,1582,1584],{"id":1583},"where-virementtn-fits-in","Where virement.tn fits in",[11,1586,1587,1588,1591,1592,436],{},"virement.tn finances nothing: the platform helps leasing companies ",[26,1589,1590],{},"collect rent by bank transfer and track collections"," — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the ",[178,1593,403],{"href":402},{"title":196,"searchDepth":197,"depth":197,"links":1595},[1596,1597,1598,1599,1600,1601],{"id":1436,"depth":200,"text":1437},{"id":1454,"depth":200,"text":1455},{"id":1478,"depth":200,"text":1479},{"id":1514,"depth":200,"text":1515},{"id":1546,"depth":200,"text":1547},{"id":1583,"depth":200,"text":1584},"Leasing","Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.",[1605,1608,1611],{"q":1606,"a":1607},"What is the difference between leasing and a standard loan?","In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.",{"q":1609,"a":1610},"What happens at the end of a leasing contract?","It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.",{"q":1612,"a":1613},"Is virement.tn a leasing company?","No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.","leasing-tunisie-comment-ca-marche",{},"\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia","---\nkey: \"leasing-tunisie-comment-ca-marche\"\ntitle: \"Leasing in Tunisia: how does it work?\"\ndescription: \"Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"What is the difference between leasing and a standard loan?\"\n    a: \"In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.\"\n  - q: \"What happens at the end of a leasing contract?\"\n    a: \"It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.\"\n  - q: \"Is virement.tn a leasing company?\"\n    a: \"No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.\"\n---\n\nLeasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.\n\n## The principle\n\nA **leasing company** buys an asset chosen by its customer and makes it available for a set period, in return for regular **rent**. During the contract, the asset belongs to the leasing company; the customer, called the **lessee**, uses it.\n\n## The parties\n\n- **The leasing company** (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.\n- **The lessee**: a business, a professional or sometimes an individual, who uses the asset and pays the rent.\n- **The supplier**: the one who sells the asset to the leasing company.\n\n## How a contract unfolds\n\n1. **Choosing the asset.** The customer selects the equipment from a supplier.\n2. **The financing agreement.** The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.\n3. **Purchase and handover.** The leasing company buys the asset and hands it over to the lessee.\n4. **The rent.** The lessee pays each installment — most often monthly or quarterly — throughout the contract.\n5. **End of the contract.** Depending on its terms: exercising a purchase option, returning the asset, or renewal.\n\n## Where tracking gets difficult for the leasing company\n\nA leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:\n\n- which installments are coming, and which have been paid;\n- which lessees are late, and for how long;\n- who to chase, and when;\n- what amount is really at risk.\n\nDoing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why **collections** has become a profession in its own right in leasing; our article on the [rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) details the steps.\n\n## What the lessee should check before signing\n\nWithout replacing professional advice, a few points deserve a careful reading of the contract:\n\n- the **total amount** paid over the whole duration, not only the monthly rent;\n- the **frequency** and the due dates;\n- the **consequences of a delay** (penalties, forfeiture threshold);\n- the **end-of-contract conditions** (purchase option, return);\n- the costs that remain the lessee's responsibility (insurance, maintenance).\n\n## Where virement.tn fits in\n\nvirement.tn finances nothing: the platform helps leasing companies **collect rent by bank transfer and track collections** — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",{"title":1428,"description":1603},"en\u002Fblog\u002Fhow-leasing-works-in-tunisia","DKeV7unOfNvYJXnZAlJ_eISXy5FG2Vn6Jy2atyR5uqg",{"id":1622,"title":1623,"body":1624,"category":1773,"date":207,"description":1774,"extension":209,"faq":1775,"h1":1785,"key":1786,"meta":1787,"navigation":223,"path":1788,"rawbody":1789,"readingTime":460,"seo":1790,"stem":1791,"updated":207,"__hash__":1792},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":8,"value":1625,"toc":1766},[1626,1629,1633,1663,1667,1705,1709,1739,1743,1746,1750],[11,1627,1628],{},"A bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.",[15,1630,1632],{"id":1631},"what-you-need-before-you-start","What you need before you start",[20,1634,1635,1645,1651,1657],{},[23,1636,1637,1640,1641,40],{},[26,1638,1639],{},"The beneficiary's RIB",", 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the ",[178,1642,1644],{"href":1643},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","Tunisian RIB",[23,1646,1647,1650],{},[26,1648,1649],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[23,1652,1653,1656],{},[26,1654,1655],{},"The amount",", in Tunisian dinars (TND).",[23,1658,1659,1662],{},[26,1660,1661],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[15,1664,1666],{"id":1665},"the-steps","The steps",[55,1668,1669,1675,1681,1687,1693,1699],{},[23,1670,1671,1674],{},[26,1672,1673],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[23,1676,1677,1680],{},[26,1678,1679],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[23,1682,1683,1686],{},[26,1684,1685],{},"Enter the amount"," and the reference.",[23,1688,1689,1692],{},[26,1690,1691],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[23,1694,1695,1698],{},[26,1696,1697],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[23,1700,1701,1704],{},[26,1702,1703],{},"Keep the receipt",": it proves the date and the amount of your payment.",[15,1706,1708],{"id":1707},"the-most-common-mistakes","The most common mistakes",[20,1710,1711,1721,1727,1733],{},[23,1712,1713,1716,1717,1720],{},[26,1714,1715],{},"A swapped digit in the RIB."," The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the ",[178,1718,1719],{"href":1643},"dedicated article",").",[23,1722,1723,1726],{},[26,1724,1725],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[23,1728,1729,1732],{},[26,1730,1731],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[23,1734,1735,1738],{},[26,1736,1737],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[15,1740,1742],{"id":1741},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[11,1744,1745],{},"Fees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.",[15,1747,1749],{"id":1748},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[11,1751,1752,1753,1756,1757,1760,1761,1763,1764,436],{},"Receiving a transfer is simple, but knowing ",[37,1754,1755],{},"which invoice"," it settles and ",[37,1758,1759],{},"when"," it arrived is less so. With ",[178,1762,394],{"href":393},", you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the ",[178,1765,435],{"href":434},{"title":196,"searchDepth":197,"depth":197,"links":1767},[1768,1769,1770,1771,1772],{"id":1631,"depth":200,"text":1632},{"id":1665,"depth":200,"text":1666},{"id":1707,"depth":200,"text":1708},{"id":1741,"depth":200,"text":1742},{"id":1748,"depth":200,"text":1749},"Bank transfers","The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.",[1776,1779,1782],{"q":1777,"a":1778},"What information do you need to make a transfer in Tunisia?","The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.",{"q":1780,"a":1781},"Can you cancel a transfer once it is confirmed?","It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.",{"q":1783,"a":1784},"How long does a transfer take?","It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.","How to make a bank transfer in Tunisia: a practical guide","comment-faire-un-virement-bancaire-en-tunisie",{},"\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","---\nkey: \"comment-faire-un-virement-bancaire-en-tunisie\"\ntitle: \"Making a bank transfer in Tunisia: the guide\"\nh1: \"How to make a bank transfer in Tunisia: a practical guide\"\ndescription: \"The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 5\nfaq:\n  - q: \"What information do you need to make a transfer in Tunisia?\"\n    a: \"The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.\"\n  - q: \"Can you cancel a transfer once it is confirmed?\"\n    a: \"It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.\"\n  - q: \"How long does a transfer take?\"\n    a: \"It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.\"\n---\n\nA bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.\n\n## What you need before you start\n\n- **The beneficiary's RIB**, 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the [Tunisian RIB](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification).\n- **The beneficiary's name**, to check that the account matches the person or company you want to pay.\n- **The amount**, in Tunisian dinars (TND).\n- **A reference**: invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.\n\n## The steps\n\n1. **Choose the channel** offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.\n2. **Add the beneficiary** by entering their RIB, or select them if they are already saved.\n3. **Enter the amount** and the reference.\n4. **Re-read before confirming**: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.\n5. **Confirm** following your bank's procedure (code, authentication, signature).\n6. **Keep the receipt**: it proves the date and the amount of your payment.\n\n## The most common mistakes\n\n- **A swapped digit in the RIB.** The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the [dedicated article](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification)).\n- **A RIB obtained through an unsafe channel.** Be wary of a RIB change announced by message: confirm it another way before paying.\n- **No reference.** The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.\n- **Forgetting to confirm the payment to the beneficiary.** A confirmed transfer is not necessarily credited yet.\n\n## Fees, limits, timing: ask your bank\n\nFees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.\n\n## And if you are the one collecting?\n\nReceiving a transfer is simple, but knowing *which invoice* it settles and *when* it arrived is less so. With [virement.tn](\u002Fen\u002Fbank-transfer-tunisia), you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the [how it works](\u002Fen\u002Fhow-it-works) page.\n",{"title":1623,"description":1774},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",{"id":1794,"title":1795,"body":1796,"category":1602,"date":207,"description":1956,"extension":209,"faq":1957,"h1":728,"key":1967,"meta":1968,"navigation":223,"path":708,"rawbody":1969,"readingTime":226,"seo":1970,"stem":1971,"updated":207,"__hash__":1972},"blog_en\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia.md","Leasing rent collection in Tunisia: the method",{"type":8,"value":1797,"toc":1946},[1798,1805,1809,1812,1820,1827,1831,1838,1842,1849,1853,1873,1877,1923,1930,1934,1941],[11,1799,1800,1801,1804],{},"Collecting leasing rent does not start on the day of the delay: it starts at the ",[26,1802,1803],{},"creation of the contract",", when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.",[15,1806,1808],{"id":1807},"_1-start-from-a-reliable-schedule","1. Start from a reliable schedule",[11,1810,1811],{},"Each contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.",[15,1813,1815,1816,1819],{"id":1814},"_2-remind-before-the-due-date","2. Remind ",[37,1817,1818],{},"before"," the due date",[11,1821,1822,1823,1826],{},"A large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, ",[26,1824,1825],{},"three days before"," — costs almost nothing and avoids part of the delays.",[15,1828,1830],{"id":1829},"_3-detect-the-delay-the-very-next-day","3. Detect the delay the very next day",[11,1832,1833,1834,1837],{},"Don't discover a delay at month end. The delay must be calculated ",[26,1835,1836],{},"every day",", per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.",[15,1839,1841],{"id":1840},"_4-follow-up-in-steps","4. Follow up in steps",[11,1843,1844,1845,1848],{},"A single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: ",[26,1846,1847],{},"a follow-up must not be sent twice"," for the same step.",[15,1850,1852],{"id":1851},"_5-frame-it-with-penalties-and-a-default-threshold","5. Frame it with penalties and a default threshold",[20,1854,1855,1861,1867],{},[23,1856,1857,1860],{},[26,1858,1859],{},"The late-payment penalty",", if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.",[23,1862,1863,1866],{},[26,1864,1865],{},"The default threshold",": after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).",[23,1868,1869,1872],{},[26,1870,1871],{},"Flexibility",": postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.",[15,1874,1876],{"id":1875},"_6-steer-with-four-indicators","6. Steer with four indicators",[267,1878,1879,1889],{},[270,1880,1881],{},[273,1882,1883,1886],{},[276,1884,1885],{},"Indicator",[276,1887,1888],{},"Question it answers",[288,1890,1891,1899,1907,1915],{},[273,1892,1893,1896],{},[293,1894,1895],{},"Collection rate",[293,1897,1898],{},"What share of what is due has been collected?",[273,1900,1901,1904],{},[293,1902,1903],{},"Weighted average delay",[293,1905,1906],{},"What is the average age of delays, taking amounts into account?",[273,1908,1909,1912],{},[293,1910,1911],{},"Overdue installments",[293,1913,1914],{},"How many, and for what amounts?",[273,1916,1917,1920],{},[293,1918,1919],{},"At-risk contracts",[293,1921,1922],{},"Which ones should be handled first?",[11,1924,1925,1926,1929],{},"The average delay ",[37,1927,1928],{},"weighted by amount"," prevents a small, very late rent installment from masking a large, slightly late one.",[15,1931,1933],{"id":1932},"what-this-looks-like-with-virementtn","What this looks like with virement.tn",[11,1935,1936,1937,1940],{},"This is exactly the mechanism of ",[178,1938,1939],{"href":402},"virement.tn for leasing",": a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.",[11,1942,1943,1944,436],{},"Want to understand the logic of installments themselves? See the ",[178,1945,408],{"href":407},{"title":196,"searchDepth":197,"depth":197,"links":1947},[1948,1949,1951,1952,1953,1954,1955],{"id":1807,"depth":200,"text":1808},{"id":1814,"depth":200,"text":1950},"2. Remind before the due date",{"id":1829,"depth":200,"text":1830},{"id":1840,"depth":200,"text":1841},{"id":1851,"depth":200,"text":1852},{"id":1875,"depth":200,"text":1876},{"id":1932,"depth":200,"text":1933},"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.",[1958,1961,1964],{"q":1959,"a":1960},"When should you chase a late lessee?","As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.",{"q":1962,"a":1963},"Which indicators should you track to steer collections?","The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.",{"q":1965,"a":1966},"Should a penalty be applied for every delay?","It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.","recouvrement-loyers-leasing-tunisie",{},"---\nkey: \"recouvrement-loyers-leasing-tunisie\"\ntitle: \"Leasing rent collection in Tunisia: the method\"\ndescription: \"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 6\nfaq:\n  - q: \"When should you chase a late lessee?\"\n    a: \"As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.\"\n  - q: \"Which indicators should you track to steer collections?\"\n    a: \"The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.\"\n  - q: \"Should a penalty be applied for every delay?\"\n    a: \"It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.\"\n---\n\nCollecting leasing rent does not start on the day of the delay: it starts at the **creation of the contract**, when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.\n\n## 1. Start from a reliable schedule\n\nEach contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.\n\n## 2. Remind *before* the due date\n\nA large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, **three days before** — costs almost nothing and avoids part of the delays.\n\n## 3. Detect the delay the very next day\n\nDon't discover a delay at month end. The delay must be calculated **every day**, per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.\n\n## 4. Follow up in steps\n\nA single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: **a follow-up must not be sent twice** for the same step.\n\n## 5. Frame it with penalties and a default threshold\n\n- **The late-payment penalty**, if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.\n- **The default threshold**: after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).\n- **Flexibility**: postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.\n\n## 6. Steer with four indicators\n\n| Indicator | Question it answers |\n| --- | --- |\n| Collection rate | What share of what is due has been collected? |\n| Weighted average delay | What is the average age of delays, taking amounts into account? |\n| Overdue installments | How many, and for what amounts? |\n| At-risk contracts | Which ones should be handled first? |\n\nThe average delay *weighted by amount* prevents a small, very late rent installment from masking a large, slightly late one.\n\n## What this looks like with virement.tn\n\nThis is exactly the mechanism of [virement.tn for leasing](\u002Fen\u002Fleasing-tunisia): a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.\n\nWant to understand the logic of installments themselves? See the [installment payments](\u002Fen\u002Finstallment-payments) page.\n",{"title":1795,"description":1956},"en\u002Fblog\u002Fleasing-rent-collection-tunisia","_oX4hs2-9HzjlD5pJXgVBTdrMm8xUXoKuOXT45dQygA",{"id":1974,"title":1975,"body":1976,"category":1602,"date":207,"description":2147,"extension":209,"faq":2148,"h1":728,"key":2158,"meta":2159,"navigation":223,"path":2160,"rawbody":2161,"readingTime":460,"seo":2162,"stem":2163,"updated":207,"__hash__":2164},"blog_en\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment.md","Postponing or revising a leasing installment",{"type":8,"value":1977,"toc":2140},[1978,1981,1985,2054,2057,2061,2087,2091,2111,2114,2118,2125,2128,2131],[11,1979,1980],{},"A lessee going through a temporary difficulty is not a lost lessee. Granting extra time can let you recover a rent installment that litigation would bring in neither faster nor more surely. But it must be done methodically.",[15,1982,1984],{"id":1983},"postponement-revision-penalty-default-dont-mix-everything-up","Postponement, revision, penalty, default: don't mix everything up",[267,1986,1987,2000],{},[270,1988,1989],{},[273,1990,1991,1994,1997],{},[276,1992,1993],{},"Lever",[276,1995,1996],{},"What it is",[276,1998,1999],{},"When to use it",[288,2001,2002,2015,2028,2041],{},[273,2003,2004,2009,2012],{},[293,2005,2006],{},[26,2007,2008],{},"Postponement",[293,2010,2011],{},"Moving an installment's date",[293,2013,2014],{},"Temporary, dated cash-flow difficulty",[273,2016,2017,2022,2025],{},[293,2018,2019],{},[26,2020,2021],{},"Amount revision",[293,2023,2024],{},"Changing an installment's amount",[293,2026,2027],{},"Commercial agreement on a different amount",[273,2029,2030,2035,2038],{},[293,2031,2032],{},[26,2033,2034],{},"Penalty",[293,2036,2037],{},"Charging for the delay (daily rate or fixed amount)",[293,2039,2040],{},"If your contract provides for it and you want to apply it",[273,2042,2043,2048,2051],{},[293,2044,2045],{},[26,2046,2047],{},"Move to default",[293,2049,2050],{},"Considering the contract as defaulting beyond a delay threshold",[293,2052,2053],{},"Prolonged delay, opening of specific handling",[11,2055,2056],{},"These levers are not mutually exclusive, but order matters: postponing an installment and then applying a penalty for the postponed period sends the lessee a contradictory message.",[15,2058,2060],{"id":2059},"before-granting-a-postponement-four-questions","Before granting a postponement: four questions",[55,2062,2063,2069,2075,2081],{},[23,2064,2065,2068],{},[26,2066,2067],{},"Is the difficulty temporary?"," A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.",[23,2070,2071,2074],{},[26,2072,2073],{},"Does the lessee have a reliable history?"," A customer who has always paid deserves a flexibility that a customer already chased several times does not necessarily deserve.",[23,2076,2077,2080],{},[26,2078,2079],{},"Is the new date realistic?"," A postponement without a credible commitment simply pushes the problem back.",[23,2082,2083,2086],{},[26,2084,2085],{},"How many postponements do you accept?"," Set a rule (for example once per contract) so you don't decide case by case under pressure.",[15,2088,2090],{"id":2089},"what-this-looks-like-on-virementtn","What this looks like on virement.tn",[20,2092,2093,2099,2105],{},[23,2094,2095,2098],{},[26,2096,2097],{},"Postponing an installment",": you choose a new date, no earlier than today or the current due date if that is later. The installment's delay is reset to zero immediately.",[23,2100,2101,2104],{},[26,2102,2103],{},"Revising its amount",": you change the installment's amount, including when it is already overdue.",[23,2106,2107,2110],{},[26,2108,2109],{},"Generating a penalty",", if the contract provides for one and you configured a daily rate or fixed amount when creating it; it is issued as a separate invoice, linked to the contract.",[11,2112,2113],{},"An already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.",[15,2115,2117],{"id":2116},"what-the-tool-doesnt-do-for-you","What the tool doesn't do for you",[11,2119,2120,2121,2124],{},"virement.tn ",[26,2122,2123],{},"does not automatically reschedule"," a remaining balance over new installments, and does not replace the amendment that formalizes the agreement. A postponement is an action on one installment; restructuring a contract in difficulty remains a decision for the leasing company.",[15,2126,684],{"id":2127},"keep-a-record",[11,2129,2130],{},"Whatever solution you choose, document it: the date of the request, the reason, the decision, the new installment and the lessee's agreement. In the event of a later dispute, this is what protects both parties.",[11,2132,2133,2134,2137,2138,436],{},"For the whole approach — reminders, follow-ups, default threshold, indicators — see the ",[178,2135,2136],{"href":708},"leasing rent collection method"," and the ",[178,2139,403],{"href":402},{"title":196,"searchDepth":197,"depth":197,"links":2141},[2142,2143,2144,2145,2146],{"id":1983,"depth":200,"text":1984},{"id":2059,"depth":200,"text":2060},{"id":2089,"depth":200,"text":2090},{"id":2116,"depth":200,"text":2117},{"id":2127,"depth":200,"text":684},"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.",[2149,2152,2155],{"q":2150,"a":2151},"Can you postpone an already overdue installment on virement.tn?","Yes. An installment can be postponed to a new date even if it is already overdue; its number of days late is then reset to zero. Its amount can also be revised.",{"q":2153,"a":2154},"Does virement.tn recalculate the whole schedule after a postponement?","No. The postponement or revision acts on one installment at a time. The platform does not automatically reschedule the remaining balance over new installments: such a rescheduling remains to be decided and organized by the leasing company.",{"q":2156,"a":2157},"Does a postponement need to be formalized?","Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.","reporter-ou-reviser-une-echeance-de-leasing",{},"\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","---\nkey: \"reporter-ou-reviser-une-echeance-de-leasing\"\ntitle: \"Postponing or revising a leasing installment\"\ndescription: \"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"Can you postpone an already overdue installment on virement.tn?\"\n    a: \"Yes. An installment can be postponed to a new date even if it is already overdue; its number of days late is then reset to zero. Its amount can also be revised.\"\n  - q: \"Does virement.tn recalculate the whole schedule after a postponement?\"\n    a: \"No. The postponement or revision acts on one installment at a time. The platform does not automatically reschedule the remaining balance over new installments: such a rescheduling remains to be decided and organized by the leasing company.\"\n  - q: \"Does a postponement need to be formalized?\"\n    a: \"Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.\"\n---\n\nA lessee going through a temporary difficulty is not a lost lessee. Granting extra time can let you recover a rent installment that litigation would bring in neither faster nor more surely. But it must be done methodically.\n\n## Postponement, revision, penalty, default: don't mix everything up\n\n| Lever | What it is | When to use it |\n| --- | --- | --- |\n| **Postponement** | Moving an installment's date | Temporary, dated cash-flow difficulty |\n| **Amount revision** | Changing an installment's amount | Commercial agreement on a different amount |\n| **Penalty** | Charging for the delay (daily rate or fixed amount) | If your contract provides for it and you want to apply it |\n| **Move to default** | Considering the contract as defaulting beyond a delay threshold | Prolonged delay, opening of specific handling |\n\nThese levers are not mutually exclusive, but order matters: postponing an installment and then applying a penalty for the postponed period sends the lessee a contradictory message.\n\n## Before granting a postponement: four questions\n\n1. **Is the difficulty temporary?** A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.\n2. **Does the lessee have a reliable history?** A customer who has always paid deserves a flexibility that a customer already chased several times does not necessarily deserve.\n3. **Is the new date realistic?** A postponement without a credible commitment simply pushes the problem back.\n4. **How many postponements do you accept?** Set a rule (for example once per contract) so you don't decide case by case under pressure.\n\n## What this looks like on virement.tn\n\n- **Postponing an installment**: you choose a new date, no earlier than today or the current due date if that is later. The installment's delay is reset to zero immediately.\n- **Revising its amount**: you change the installment's amount, including when it is already overdue.\n- **Generating a penalty**, if the contract provides for one and you configured a daily rate or fixed amount when creating it; it is issued as a separate invoice, linked to the contract.\n\nAn already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.\n\n## What the tool doesn't do for you\n\nvirement.tn **does not automatically reschedule** a remaining balance over new installments, and does not replace the amendment that formalizes the agreement. A postponement is an action on one installment; restructuring a contract in difficulty remains a decision for the leasing company.\n\n## Keep a record\n\nWhatever solution you choose, document it: the date of the request, the reason, the decision, the new installment and the lessee's agreement. In the event of a later dispute, this is what protects both parties.\n\nFor the whole approach — reminders, follow-ups, default threshold, indicators — see the [leasing rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) and the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",{"title":1975,"description":2147},"en\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","Nw_Owrk7B_MuwP_DAK-jGbqabf_X6OQcZ1Zv9qWpP0A",{"id":2166,"title":2167,"body":2168,"category":2317,"date":207,"description":2318,"extension":209,"faq":2319,"h1":2329,"key":2330,"meta":2331,"navigation":223,"path":2332,"rawbody":2333,"readingTime":460,"seo":2334,"stem":2335,"updated":207,"__hash__":2336},"blog_en\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit.md","Recurring payments without direct debit",{"type":8,"value":2169,"toc":2310},[2170,2173,2179,2181,2212,2219,2223,2249,2253,2267,2271,2297,2301],[11,2171,2172],{},"When people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.",[11,2174,2175,2176,40],{},"There is another approach: ",[26,2177,2178],{},"a subscription that generates the invoices, and a bank transfer from the customer at each due date",[15,2180,1437],{"id":1436},[55,2182,2183,2189,2196,2203,2206],{},[23,2184,106,2185,2188],{},[26,2186,2187],{},"subscription"," is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.",[23,2190,2191,2192,2195],{},"At each due date, an ",[26,2193,2194],{},"invoice"," is issued automatically, on its date.",[23,2197,2198,2199,2202],{},"The customer ",[26,2200,2201],{},"pays it by bank transfer"," from their bank.",[23,2204,2205],{},"The bank confirms, the invoice moves to “paid”, the issuer is notified.",[23,2207,2208,2209,40],{},"If nothing arrives, the delay is detected and the customer is ",[26,2210,2211],{},"chased",[11,2213,2214,2215,2218],{},"This is how ",[178,2216,2217],{"href":412},"virement.tn recurring payments"," work: up to 24 installments can be generated in advance, and the customer is notified at each due date.",[15,2220,2222],{"id":2221},"the-advantages","The advantages",[20,2224,2225,2231,2237,2243],{},[23,2226,2227,2230],{},[26,2228,2229],{},"No sensitive data to store",": no card number, no direct-debit mandate. Only the destination RIB is involved.",[23,2232,2233,2236],{},[26,2234,2235],{},"The customer stays in control",": they trigger each payment and can suspend their subscription.",[23,2238,2239,2242],{},[26,2240,2241],{},"A payment attached to an invoice",": no more manual reconciliation.",[23,2244,2245,2248],{},[26,2246,2247],{},"Usable without any specific banking arrangement"," on the organization's part.",[15,2250,2252],{"id":2251},"the-limits-honestly","The limits, honestly",[20,2254,2255,2261],{},[23,2256,2257,2260],{},[26,2258,2259],{},"Payment is not guaranteed on the date."," If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.",[23,2262,2263,2266],{},[26,2264,2265],{},"Less suited"," to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.",[15,2268,2270],{"id":2269},"good-practices","Good practices",[20,2272,2273,2279,2285,2291],{},[23,2274,2275,2278],{},[26,2276,2277],{},"Remind before the due date",": a simple reminder avoids a good share of oversights.",[23,2280,2281,2284],{},[26,2282,2283],{},"Set a ceiling"," on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.",[23,2286,2287,2290],{},[26,2288,2289],{},"Set the delay rules in advance",": tolerance period, follow-ups, consequence of prolonged non-payment.",[23,2292,2293,2296],{},[26,2294,2295],{},"Choose the right frequency",": monthly for current charges, quarterly or annual for premiums and membership fees.",[15,2298,2300],{"id":2299},"when-to-prefer-an-installment-plan","When to prefer an installment plan?",[11,2302,2303,2304,2307,2308,40],{},"If the total is known and must be settled in a defined number of installments, an ",[178,2305,2306],{"href":407},"installment payment plan"," is better suited: it has a start, an end and a total amount. For financing contracts, see ",[178,2309,403],{"href":402},{"title":196,"searchDepth":197,"depth":197,"links":2311},[2312,2313,2314,2315,2316],{"id":1436,"depth":200,"text":1437},{"id":2221,"depth":200,"text":2222},{"id":2251,"depth":200,"text":2252},{"id":2269,"depth":200,"text":2270},{"id":2299,"depth":200,"text":2300},"Recurring payments","Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.",[2320,2323,2326],{"q":2321,"a":2322},"Can you make a recurring payment without debiting the customer's account?","Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.",{"q":2324,"a":2325},"What is the main drawback of a recurring transfer?","Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.",{"q":2327,"a":2328},"Can the customer stop the subscription?","On virement.tn, yes: they can suspend their subscription from their space.","Recurring payments without direct debit: how it works","paiement-recurrent-sans-prelevement-automatique",{},"\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit","---\nkey: \"paiement-recurrent-sans-prelevement-automatique\"\ntitle: \"Recurring payments without direct debit\"\nh1: \"Recurring payments without direct debit: how it works\"\ndescription: \"Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Recurring payments\"\nreadingTime: 5\nfaq:\n  - q: \"Can you make a recurring payment without debiting the customer's account?\"\n    a: \"Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.\"\n  - q: \"What is the main drawback of a recurring transfer?\"\n    a: \"Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.\"\n  - q: \"Can the customer stop the subscription?\"\n    a: \"On virement.tn, yes: they can suspend their subscription from their space.\"\n---\n\nWhen people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.\n\nThere is another approach: **a subscription that generates the invoices, and a bank transfer from the customer at each due date**.\n\n## The principle\n\n1. A **subscription** is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.\n2. At each due date, an **invoice** is issued automatically, on its date.\n3. The customer **pays it by bank transfer** from their bank.\n4. The bank confirms, the invoice moves to “paid”, the issuer is notified.\n5. If nothing arrives, the delay is detected and the customer is **chased**.\n\nThis is how [virement.tn recurring payments](\u002Fen\u002Frecurring-payments) work: up to 24 installments can be generated in advance, and the customer is notified at each due date.\n\n## The advantages\n\n- **No sensitive data to store**: no card number, no direct-debit mandate. Only the destination RIB is involved.\n- **The customer stays in control**: they trigger each payment and can suspend their subscription.\n- **A payment attached to an invoice**: no more manual reconciliation.\n- **Usable without any specific banking arrangement** on the organization's part.\n\n## The limits, honestly\n\n- **Payment is not guaranteed on the date.** If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.\n- **Less suited** to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.\n\n## Good practices\n\n- **Remind before the due date**: a simple reminder avoids a good share of oversights.\n- **Set a ceiling** on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.\n- **Set the delay rules in advance**: tolerance period, follow-ups, consequence of prolonged non-payment.\n- **Choose the right frequency**: monthly for current charges, quarterly or annual for premiums and membership fees.\n\n## When to prefer an installment plan?\n\nIf the total is known and must be settled in a defined number of installments, an [installment payment plan](\u002Fen\u002Finstallment-payments) is better suited: it has a start, an end and a total amount. For financing contracts, see [leasing](\u002Fen\u002Fleasing-tunisia).\n",{"title":2167,"description":2318},"en\u002Fblog\u002Frecurring-payments-without-direct-debit","Ix56Mqk4jvo1ZZuE6vHzvtcZdE6eLVv6LmMcoTrhGaw",{"id":2338,"title":2339,"body":2340,"category":2443,"date":207,"description":2444,"extension":209,"faq":2445,"h1":2455,"key":2456,"meta":2457,"navigation":223,"path":2458,"rawbody":2459,"readingTime":460,"seo":2460,"stem":2461,"updated":207,"__hash__":2462},"blog_en\u002Fen\u002Fblog\u002Fsetting-up-installment-payments.md","Setting up installment payments",{"type":8,"value":2341,"toc":2433},[2342,2345,2349,2352,2356,2363,2367,2377,2384,2403,2407,2410,2414,2417,2419,2425],[11,2343,2344],{},"Offering payment in several installments can make the difference between a closed sale and a lost one. But a poorly framed schedule quickly becomes a source of non-payment. Here is how to set it up properly.",[15,2346,2348],{"id":2347},"_1-decide-what-you-agree-to-spread","1. Decide what you agree to spread",[11,2350,2351],{},"Not everything can be spread. Set simple rules: from what amount? For which customers? Over what maximum duration? These rules avoid negotiating case by case and protect your cash flow.",[15,2353,2355],{"id":2354},"_2-choose-the-number-of-installments-and-the-frequency","2. Choose the number of installments and the frequency",[11,2357,2358,2359,2362],{},"The right compromise is the shortest schedule your customer can afford. On virement.tn, a plan has ",[26,2360,2361],{},"from 2 to 36 installments",", monthly, quarterly or annual. Align the frequency with your customer's income (monthly for an employee, quarterly for a seasonal business, for example).",[15,2364,2366],{"id":2365},"_3-get-an-explicit-agreement","3. Get an explicit agreement",[11,2368,2369,2370,2372,2373,2376],{},"A schedule only has value if the customer has clearly accepted it: amount, number of installments, dates. On ",[178,2371,394],{"href":407},", the customer validates the plan with their ",[26,2374,2375],{},"validation code",", which makes their consent traceable.",[15,2378,2380,2381,2383],{"id":2379},"_4-plan-for-delay-before-it-happens","4. Plan for delay ",[37,2382,1818],{}," it happens",[20,2385,2386,2392,2398],{},[23,2387,2388,2391],{},[26,2389,2390],{},"Possible penalty",": if you apply one, define it from the start (daily rate or fixed amount) and inform the customer.",[23,2393,2394,2397],{},[26,2395,2396],{},"Default threshold",": after how many days late is the plan considered in default?",[23,2399,2400,2402],{},[26,2401,1871],{},": decide in advance whether you accept postponing an installment or revising its amount.",[15,2404,2406],{"id":2405},"_5-make-paying-simple","5. Make paying simple",[11,2408,2409],{},"Each installment must be easy to pay: a clear amount, a date, a safe destination RIB. With virement.tn, each installment is an invoice that the customer pays by a bank transfer from their bank, to your verified RIB — no card, no direct debit.",[15,2411,2413],{"id":2412},"_6-track-without-spending-your-days-on-it","6. Track without spending your days on it",[11,2415,2416],{},"A schedule cannot be tracked by hand beyond a few files. You need a dashboard that shows what is paid, what is coming and what is late, and automatic reminders: the platform sends a reminder before the due date and follow-ups in case of delay.",[15,2418,861],{"id":860},[11,2420,2120,2421,2424],{},[26,2422,2423],{},"does not advance the money and does not grant credit",". It is you who decide to spread payments; the platform organizes and tracks the schedule. The customer can, if they wish, pay an installment early.",[11,2426,2427,2428,2430,2431,40],{},"For a financing contract with collections tracking, see the ",[178,2429,403],{"href":402}," page. For installments that recur with no defined end (subscription, membership fee), see ",[178,2432,413],{"href":412},{"title":196,"searchDepth":197,"depth":197,"links":2434},[2435,2436,2437,2438,2440,2441,2442],{"id":2347,"depth":200,"text":2348},{"id":2354,"depth":200,"text":2355},{"id":2365,"depth":200,"text":2366},{"id":2379,"depth":200,"text":2439},"4. Plan for delay before it happens",{"id":2405,"depth":200,"text":2406},{"id":2412,"depth":200,"text":2413},{"id":860,"depth":200,"text":861},"Installment payments","Offering installment payments: set the amount and installments, get the customer's agreement, plan for delays and track the schedule.",[2446,2449,2452],{"q":2447,"a":2448},"Is an installment payment a loan?","Not necessarily. When the organization itself grants a payment schedule to its customer, it is a commercial arrangement and not credit granted by a financial institution. The rules that apply depend on your activity: if in doubt, seek professional advice.",{"q":2450,"a":2451},"How many installments should you offer?","As few as possible while remaining manageable for the customer. The longer the schedule, the greater the risk of non-payment and the tracking workload.",{"q":2453,"a":2454},"How can you be sure the customer has accepted the plan?","By obtaining explicit, recorded consent. On virement.tn, the customer validates the plan with their validation code.","Setting up installment payments: a guide for organizations","mettre-en-place-un-paiement-par-facilite",{},"\u002Fen\u002Fblog\u002Fsetting-up-installment-payments","---\nkey: \"mettre-en-place-un-paiement-par-facilite\"\ntitle: \"Setting up installment payments\"\nh1: \"Setting up installment payments: a guide for organizations\"\ndescription: \"Offering installment payments: set the amount and installments, get the customer's agreement, plan for delays and track the schedule.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Installment payments\"\nreadingTime: 5\nfaq:\n  - q: \"Is an installment payment a loan?\"\n    a: \"Not necessarily. When the organization itself grants a payment schedule to its customer, it is a commercial arrangement and not credit granted by a financial institution. The rules that apply depend on your activity: if in doubt, seek professional advice.\"\n  - q: \"How many installments should you offer?\"\n    a: \"As few as possible while remaining manageable for the customer. The longer the schedule, the greater the risk of non-payment and the tracking workload.\"\n  - q: \"How can you be sure the customer has accepted the plan?\"\n    a: \"By obtaining explicit, recorded consent. On virement.tn, the customer validates the plan with their validation code.\"\n---\n\nOffering payment in several installments can make the difference between a closed sale and a lost one. But a poorly framed schedule quickly becomes a source of non-payment. Here is how to set it up properly.\n\n## 1. Decide what you agree to spread\n\nNot everything can be spread. Set simple rules: from what amount? For which customers? Over what maximum duration? These rules avoid negotiating case by case and protect your cash flow.\n\n## 2. Choose the number of installments and the frequency\n\nThe right compromise is the shortest schedule your customer can afford. On virement.tn, a plan has **from 2 to 36 installments**, monthly, quarterly or annual. Align the frequency with your customer's income (monthly for an employee, quarterly for a seasonal business, for example).\n\n## 3. Get an explicit agreement\n\nA schedule only has value if the customer has clearly accepted it: amount, number of installments, dates. On [virement.tn](\u002Fen\u002Finstallment-payments), the customer validates the plan with their **validation code**, which makes their consent traceable.\n\n## 4. Plan for delay *before* it happens\n\n- **Possible penalty**: if you apply one, define it from the start (daily rate or fixed amount) and inform the customer.\n- **Default threshold**: after how many days late is the plan considered in default?\n- **Flexibility**: decide in advance whether you accept postponing an installment or revising its amount.\n\n## 5. Make paying simple\n\nEach installment must be easy to pay: a clear amount, a date, a safe destination RIB. With virement.tn, each installment is an invoice that the customer pays by a bank transfer from their bank, to your verified RIB — no card, no direct debit.\n\n## 6. Track without spending your days on it\n\nA schedule cannot be tracked by hand beyond a few files. You need a dashboard that shows what is paid, what is coming and what is late, and automatic reminders: the platform sends a reminder before the due date and follow-ups in case of delay.\n\n## What virement.tn does not do\n\nvirement.tn **does not advance the money and does not grant credit**. It is you who decide to spread payments; the platform organizes and tracks the schedule. The customer can, if they wish, pay an installment early.\n\nFor a financing contract with collections tracking, see the [leasing](\u002Fen\u002Fleasing-tunisia) page. For installments that recur with no defined end (subscription, membership fee), see [recurring payments](\u002Fen\u002Frecurring-payments).\n",{"title":2339,"description":2444},"en\u002Fblog\u002Fsetting-up-installment-payments","leXq-xiw44Vyu19y_B8aoN4wrZD2Vh1ZTCDKhP7A3G4",{"id":2464,"title":2465,"body":2466,"category":1773,"date":207,"description":2623,"extension":209,"faq":2624,"h1":2634,"key":2635,"meta":2636,"navigation":223,"path":1643,"rawbody":2637,"readingTime":1258,"seo":2638,"stem":2639,"updated":207,"__hash__":2640},"blog_en\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification.md","Tunisian RIB: structure, IBAN and verification",{"type":8,"value":2467,"toc":2617},[2468,2471,2475,2482,2542,2549,2553,2560,2567,2571,2597,2601,2611],[11,2469,2470],{},"The RIB (bank account identifier) identifies an account. Knowing it lets you receive a transfer; checking it prevents a payment from going to the wrong place.",[15,2472,2474],{"id":2473},"how-a-tunisian-rib-is-built","How a Tunisian RIB is built",[11,2476,2477,2478,2481],{},"A Tunisian RIB has ",[26,2479,2480],{},"20 digits",", broken down as follows:",[267,2483,2484,2497],{},[270,2485,2486],{},[273,2487,2488,2491,2494],{},[276,2489,2490],{},"Part",[276,2492,2493],{},"Number of digits",[276,2495,2496],{},"Role",[288,2498,2499,2510,2521,2532],{},[273,2500,2501,2504,2507],{},[293,2502,2503],{},"Bank code",[293,2505,2506],{},"2",[293,2508,2509],{},"Identifies the bank",[273,2511,2512,2515,2518],{},[293,2513,2514],{},"Branch code",[293,2516,2517],{},"3",[293,2519,2520],{},"Identifies the branch",[273,2522,2523,2526,2529],{},[293,2524,2525],{},"Account number",[293,2527,2528],{},"13",[293,2530,2531],{},"Identifies the account",[273,2533,2534,2537,2539],{},[293,2535,2536],{},"RIB key",[293,2538,2506],{},[293,2540,2541],{},"Checks the consistency of the previous digits",[11,2543,2544,2545,2548],{},"Internationally, the ",[26,2546,2547],{},"IBAN"," is used: the letters “TN”, two check digits, then the 20 digits of the RIB.",[15,2550,2552],{"id":2551},"what-the-key-is-for","What the key is for",[11,2554,2555,2556,2559],{},"The key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple ",[26,2557,2558],{},"typing error"," (one changed digit, two swapped digits) is almost always detected when the key is recalculated.",[11,2561,2562,2563,2566],{},"What the key does not do: it says nothing about the account ",[26,2564,2565],{},"holder",", nor about the identity of the person who gave you the RIB. A RIB can be perfectly valid and yet not be that of the person you want to pay.",[15,2568,2570],{"id":2569},"checking-a-rib-before-paying","Checking a RIB before paying",[20,2572,2573,2579,2585,2591],{},[23,2574,2575,2578],{},[26,2576,2577],{},"Compare the holder's name"," with the person or company to be paid.",[23,2580,2581,2584],{},[26,2582,2583],{},"Confirm any change of RIB through a second channel"," (a call, a meeting): it is the most common fraud on invoices.",[23,2586,2587,2590],{},[26,2588,2589],{},"Copy, don't retype",": copy-pasting from a trusted document reduces typing errors.",[23,2592,2593,2596],{},[26,2594,2595],{},"For a large first payment",", some organizations start with a small test transfer before the full amount.",[15,2598,2600],{"id":2599},"why-virementtn-verifies-organizations-ribs","Why virement.tn verifies organizations' RIBs",[11,2602,2603,2604,2606,2607,2610],{},"A wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On ",[178,2605,394],{"href":434},", an organization must have ",[26,2608,2609],{},"at least one verified RIB"," checked by the team before it can issue an invoice. Its customers thus know that the destination account has been checked.",[11,2612,2613,2614,40],{},"For the basics of the payment itself, read our ",[178,2615,2616],{"href":1788},"guide to bank transfers in Tunisia",{"title":196,"searchDepth":197,"depth":197,"links":2618},[2619,2620,2621,2622],{"id":2473,"depth":200,"text":2474},{"id":2551,"depth":200,"text":2552},{"id":2569,"depth":200,"text":2570},{"id":2599,"depth":200,"text":2600},"How a Tunisian RIB is built (20 digits), the link with the IBAN, what the key is for, and how to check a RIB before issuing or receiving a transfer.",[2625,2628,2631],{"q":2626,"a":2627},"How many digits does a Tunisian RIB have?","20 digits: 2 for the bank code, 3 for the branch code, 13 for the account number and 2 for the RIB key.",{"q":2629,"a":2630},"What is the difference between the RIB and the IBAN?","The IBAN is the international format of the account number. For Tunisia, it is made up of the letters TN, two check digits, then the 20 digits of the RIB.",{"q":2632,"a":2633},"Is the RIB key enough to guarantee that the account is the right one?","No. It detects typing errors, not a deliberate substitution of the RIB. For a large amount or a new beneficiary, confirm the RIB through a second channel.","Tunisian RIB: structure, IBAN and verification before a transfer","rib-tunisien-structure-et-verification",{},"---\nkey: \"rib-tunisien-structure-et-verification\"\ntitle: \"Tunisian RIB: structure, IBAN and verification\"\nh1: \"Tunisian RIB: structure, IBAN and verification before a transfer\"\ndescription: \"How a Tunisian RIB is built (20 digits), the link with the IBAN, what the key is for, and how to check a RIB before issuing or receiving a transfer.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 4\nfaq:\n  - q: \"How many digits does a Tunisian RIB have?\"\n    a: \"20 digits: 2 for the bank code, 3 for the branch code, 13 for the account number and 2 for the RIB key.\"\n  - q: \"What is the difference between the RIB and the IBAN?\"\n    a: \"The IBAN is the international format of the account number. For Tunisia, it is made up of the letters TN, two check digits, then the 20 digits of the RIB.\"\n  - q: \"Is the RIB key enough to guarantee that the account is the right one?\"\n    a: \"No. It detects typing errors, not a deliberate substitution of the RIB. For a large amount or a new beneficiary, confirm the RIB through a second channel.\"\n---\n\nThe RIB (bank account identifier) identifies an account. Knowing it lets you receive a transfer; checking it prevents a payment from going to the wrong place.\n\n## How a Tunisian RIB is built\n\nA Tunisian RIB has **20 digits**, broken down as follows:\n\n| Part | Number of digits | Role |\n| --- | --- | --- |\n| Bank code | 2 | Identifies the bank |\n| Branch code | 3 | Identifies the branch |\n| Account number | 13 | Identifies the account |\n| RIB key | 2 | Checks the consistency of the previous digits |\n\nInternationally, the **IBAN** is used: the letters “TN”, two check digits, then the 20 digits of the RIB.\n\n## What the key is for\n\nThe key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple **typing error** (one changed digit, two swapped digits) is almost always detected when the key is recalculated.\n\nWhat the key does not do: it says nothing about the account **holder**, nor about the identity of the person who gave you the RIB. A RIB can be perfectly valid and yet not be that of the person you want to pay.\n\n## Checking a RIB before paying\n\n- **Compare the holder's name** with the person or company to be paid.\n- **Confirm any change of RIB through a second channel** (a call, a meeting): it is the most common fraud on invoices.\n- **Copy, don't retype**: copy-pasting from a trusted document reduces typing errors.\n- **For a large first payment**, some organizations start with a small test transfer before the full amount.\n\n## Why virement.tn verifies organizations' RIBs\n\nA wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On [virement.tn](\u002Fen\u002Fhow-it-works), an organization must have **at least one verified RIB** checked by the team before it can issue an invoice. Its customers thus know that the destination account has been checked.\n\nFor the basics of the payment itself, read our [guide to bank transfers in Tunisia](\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia).\n",{"title":2465,"description":2623},"en\u002Fblog\u002Ftunisian-rib-structure-and-verification","FH3b51VyJyQ_8cBrvBb9kaWtH-6SIRKK3c8g4rYYVLo",1789922120263]