[{"data":1,"prerenderedAt":926},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website":3,"related:\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website":229},{"id":4,"title":5,"body":6,"category":205,"date":206,"description":207,"extension":208,"faq":209,"h1":219,"key":220,"meta":221,"navigation":222,"path":223,"rawbody":224,"readingTime":225,"seo":226,"stem":227,"updated":206,"__hash__":228},"blog_en\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website.md","Accepting bank transfer payments on your website",{"type":7,"value":8,"toc":194},"minimark",[9,13,18,46,49,53,91,95,117,121,153,157,173,182,186],[10,11,12],"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.",[14,15,17],"h2",{"id":16},"what-changes-compared-with-the-card","What changes compared with the card",[19,20,21,29,40],"ul",{},[22,23,24,28],"li",{},[25,26,27],"strong",{},"No hosted payment page, no redirect."," The buyer stays on your site.",[22,30,31,34,35,39],{},[25,32,33],{},"No immediate “paid” response."," The API call that creates the invoice answers that the order is ",[36,37,38],"em",{},"committed",".",[22,41,42,45],{},[25,43,44],{},"Confirmation arrives later",", by webhook, when the buyer's bank confirms the transfer.",[10,47,48],{},"In other words: the order is released only on that webhook.",[14,50,52],{"id":51},"the-journey-in-five-steps","The journey in five steps",[54,55,56,62,68,79,85],"ol",{},[22,57,58,61],{},[25,59,60],{},"The buyer chooses “pay with virement.tn”"," on your payment page.",[22,63,64,67],{},[25,65,66],{},"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.",[22,69,70,73,74,78],{},[25,71,72],{},"Your server creates the invoice"," through the API, authenticating the call with your key in the ",[75,76,77],"code",{},"X-Api-Key"," header. The response indicates that the invoice is confirmed: the order is committed.",[22,80,81,84],{},[25,82,83],{},"The buyer makes the transfer"," from their bank's app, to your verified RIB.",[22,86,87,90],{},[25,88,89],{},"The bank confirms, virement.tn sends the signed webhook"," to your server. This is the signal to release the order.",[14,92,94],{"id":93},"what-you-need-before-starting","What you need before starting",[19,96,97,103,110],{},[22,98,99,100,39],{},"An active virement.tn ",[25,101,102],{},"merchant account",[22,104,105,106,109],{},"A ",[25,107,108],{},"verified RIB",": without it, invoice creation is refused.",[22,111,112,113,116],{},"An ",[25,114,115],{},"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.",[14,118,120],{"id":119},"mistakes-to-avoid","Mistakes to avoid",[19,122,123,129,135,141,147],{},[22,124,125,128],{},[25,126,127],{},"Releasing the order on the API response."," This is the most serious mistake: the transfer has not happened yet.",[22,130,131,134],{},[25,132,133],{},"Calling the API from the browser."," Your API key must stay on your server.",[22,136,137,140],{},[25,138,139],{},"Not verifying the webhook signature."," Without that, anyone can fake a confirmation.",[22,142,143,146],{},[25,144,145],{},"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).",[22,148,149,152],{},[25,150,151],{},"Forgetting the “never paid” case."," Plan for expiry or cancellation of orders awaiting a transfer.",[14,154,156],{"id":155},"why-offer-bank-transfer-in-addition-to-the-card","Why offer bank transfer in addition to the card",[19,158,159,164,170],{},[22,160,161],{},[25,162,163],{},"No card fees.",[22,165,166,169],{},[25,167,168],{},"No card data"," to handle or protect.",[22,171,172],{},"A natural option for customers who prefer not to enter their card online.",[10,174,175,176,181],{},"You don't have to choose: bank transfer can complement the card. Our comparison of ",[177,178,180],"a",{"href":179},"\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit","bank transfer, card or direct debit"," helps you decide according to your sales.",[14,183,185],{"id":184},"to-go-further","To go further",[10,187,188,189,193],{},"The ",[177,190,192],{"href":191},"\u002Fen\u002Fapi-integration","integration page"," summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.",{"title":195,"searchDepth":196,"depth":196,"links":197},"",3,[198,200,201,202,203,204],{"id":16,"depth":199,"text":17},2,{"id":51,"depth":199,"text":52},{"id":93,"depth":199,"text":94},{"id":119,"depth":199,"text":120},{"id":155,"depth":199,"text":156},{"id":184,"depth":199,"text":185},"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",[210,213,216],{"q":211,"a":212},"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":214,"a":215},"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":217,"a":218},"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":5,"description":207},"en\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","OXZW5oCgwQSzynxaVXjTmE62o2S7Vq_O-3wgNV-W3cs",[230,464,736],{"id":231,"title":232,"body":233,"category":444,"date":206,"description":445,"extension":208,"faq":446,"h1":456,"key":457,"meta":458,"navigation":222,"path":179,"rawbody":459,"readingTime":460,"seo":461,"stem":462,"updated":206,"__hash__":463},"blog_en\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit.md","Bank transfer, card or direct debit: which to choose?",{"type":7,"value":234,"toc":437},[235,238,242,262,266,360,364,384,388,414,418,429],[10,236,237],{},"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.",[14,239,241],{"id":240},"three-questions-to-ask-yourself","Three questions to ask yourself",[54,243,244,250,256],{},[22,245,246,249],{},[25,247,248],{},"Who triggers the payment?"," You, or the customer?",[22,251,252,255],{},[25,253,254],{},"What sensitive data do you have to handle?"," A card number, a mandate, or only a destination RIB?",[22,257,258,261],{},[25,259,260],{},"How will you know the payment has been made?"," Immediately, or after the bank's confirmation?",[14,263,265],{"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",[14,361,363],{"id":362},"when-to-choose-what","When to choose what",[19,365,366,372,378],{},[22,367,368,371],{},[25,369,370],{},"Small online purchases, quick checkout",": the card remains the smoothest.",[22,373,374,377],{},[25,375,376],{},"Subscriptions where payment must be automatic",": direct debit, if you can set it up.",[22,379,380,383],{},[25,381,382],{},"Large amounts, invoices, schedules, rent, tuition",": bank transfer, because it leaves the customer in charge of their payment and attaches directly to an invoice.",[14,385,387],{"id":386},"bank-transfer-with-tracking-what-changes","Bank transfer with tracking: what changes",[10,389,390,391,395,396,399,400,404,405,409,410,39],{},"The bank transfer suffers from a historical flaw: you can't easily tell which invoice it settles or when it arrived. ",[177,392,394],{"href":393},"\u002Fen\u002Fbank-transfer-tunisia","virement.tn"," fills that gap: the transfer is ",[25,397,398],{},"attached to an invoice",", the bank confirms, and you are notified by app, email or webhook. The same mechanism covers ",[177,401,403],{"href":402},"\u002Fen\u002Fleasing-tunisia","leasing",", ",[177,406,408],{"href":407},"\u002Fen\u002Finstallment-payments","installment payments"," and ",[177,411,413],{"href":412},"\u002Fen\u002Frecurring-payments","recurring payments",[14,415,417],{"id":416},"key-takeaways","Key takeaways",[19,419,420,423,426],{},[22,421,422],{},"The right method depends on the amount, the frequency and your customers' habits.",[22,424,425],{},"A bank transfer with automated tracking removes most of its drawbacks for the collector.",[22,427,428],{},"You don't have to choose: offer the method suited to each situation.",[10,430,431,432,436],{},"For the details of the bank transfer journey, see the ",[177,433,435],{"href":434},"\u002Fen\u002Fhow-it-works","how it works"," page.",{"title":195,"searchDepth":196,"depth":196,"links":438},[439,440,441,442,443],{"id":240,"depth":199,"text":241},{"id":264,"depth":199,"text":265},{"id":362,"depth":199,"text":363},{"id":386,"depth":199,"text":387},{"id":416,"depth":199,"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":206,"description":717,"extension":208,"faq":718,"h1":728,"key":729,"meta":730,"navigation":222,"path":731,"rawbody":732,"readingTime":225,"seo":733,"stem":734,"updated":206,"__hash__":735},"blog_en\u002Fen\u002Fblog\u002Fchasing-unpaid-invoices-schedule-and-templates.md","Chasing an unpaid invoice: schedule and templates",{"type":7,"value":468,"toc":710},[469,476,480,564,567,571,574,579,602,607,619,623,635,639,650,654,686,690,696,700],[10,470,471,472,475],{},"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 ",[25,473,474],{},"without damaging the relationship"," — and without taking up your days.",[14,477,479],{"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],{},[25,502,503],{},"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],{},[25,516,517],{},"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],{},[25,530,531],{},"7 days late",[293,533,534],{},"Get a payment date",[293,536,537],{},"Firm but courteous",[273,539,540,545,548],{},[293,541,542],{},[25,543,544],{},"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],{},[25,556,557],{},"Beyond",[293,559,560],{},"Handle the file",[293,562,563],{},"Call, payment schedule, formal handling",[10,565,566],{},"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.",[14,568,570],{"id":569},"message-templates","Message templates",[10,572,573],{},"Adapt the elements in brackets. Keep it short: an effective SMS fits in two sentences.",[10,575,576],{},[25,577,578],{},"Before the due date (3 days before)",[580,581,582],"blockquote",{},[10,583,584,585,589,590,593,594,597,598,601],{},"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!",[10,603,604],{},[25,605,606],{},"The day after the due date (1 day late)",[580,608,609],{},[10,610,584,611,613,614,593,616,618],{},[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.",[10,620,621],{},[25,622,531],{},[580,624,625],{},[10,626,584,627,629,630,593,632,634],{},[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.",[10,636,637],{},[25,638,544],{},[580,640,641],{},[10,642,584,643,629,645,593,647,649],{},[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).",[14,651,653],{"id":652},"five-rules-that-make-the-difference","Five rules that make the difference",[54,655,656,662,668,674,680],{},[22,657,658,661],{},[25,659,660],{},"Always mention the invoice",": number, amount, due date.",[22,663,664,667],{},[25,665,666],{},"Make paying easy",": a clear RIB, or better, a link to the invoice.",[22,669,670,673],{},[25,671,672],{},"Never accuse"," before checking: the transfer may be on its way.",[22,675,676,679],{},[25,677,678],{},"Offer a way out"," from 7 days late: a schedule or a postponement is better than silence.",[22,681,682,685],{},[25,683,684],{},"Keep a record"," of every reminder (date, channel, reply).",[14,687,689],{"id":688},"when-reminders-are-not-enough","When reminders are not enough",[10,691,692,693,695],{},"If the customer replies but does not pay, offer ",[177,694,408],{"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.",[14,697,699],{"id":698},"automate-without-dehumanizing","Automate, without dehumanizing",[10,701,702,703,705,706,39],{},"Chasing by hand is time-consuming and irregular: you chase when you think of it, not when it is needed. With ",[177,704,394],{"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 ",[177,707,709],{"href":708},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","collections method",{"title":195,"searchDepth":196,"depth":196,"links":711},[712,713,714,715,716],{"id":478,"depth":199,"text":479},{"id":569,"depth":199,"text":570},{"id":652,"depth":199,"text":653},{"id":688,"depth":199,"text":689},{"id":698,"depth":199,"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":206,"description":907,"extension":208,"faq":908,"h1":918,"key":919,"meta":920,"navigation":222,"path":921,"rawbody":922,"readingTime":460,"seo":923,"stem":924,"updated":206,"__hash__":925},"blog_en\u002Fen\u002Fblog\u002Fcollecting-condo-fees-by-bank-transfer.md","Condominium fees: collecting by bank transfer",{"type":7,"value":740,"toc":896},[741,744,748,774,778,783,790,794,808,812,858,862,881,885,888],[10,742,743],{},"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.",[14,745,747],{"id":746},"the-usual-points-of-friction","The usual points of friction",[19,749,750,756,762,768],{},[22,751,752,755],{},[25,753,754],{},"Payments hard to reconcile",": a transfer with no reference doesn't say which unit it pays.",[22,757,758,761],{},[25,759,760],{},"Manual reminders",", often late, for lack of a clear view of unpaid amounts.",[22,763,764,767],{},[25,765,766],{},"Multiple owners"," for a single unit (joint ownership, heirs).",[22,769,770,773],{},[25,771,772],{},"An amount that comes from elsewhere",": the calculation of ownership shares is done in another tool.",[14,775,777],{"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",[10,784,785,786,789],{},"The manager creates the charge invoices per owner — one by one, or in bulk by CSV import — or sets up a ",[25,787,788],{},"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",[10,795,796,797,800,801,804,805,807],{},"If your software already calculates ownership shares and calls, it can ",[25,798,799],{},"create the invoices in virement.tn"," and receive the ",[25,802,803],{},"payment confirmation"," in return: you re-enter nothing, and the “paid” status comes back automatically. The ",[177,806,192],{"href":191}," explains the principle.",[14,809,811],{"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",[14,859,861],{"id":860},"what-virementtn-does-not-do","What virement.tn does not do",[19,863,864,870,875],{},[22,865,866,869],{},[25,867,868],{},"No calculation of ownership shares or split keys",": the manager (or their software) remains the sole decision-maker on the amount.",[22,871,872],{},[25,873,874],{},"No management of general meetings or budget votes.",[22,876,877,880],{},[25,878,879],{},"No direct debit",": the owner triggers their own transfer.",[14,882,884],{"id":883},"the-good-reflex-one-call-one-reference","The good reflex: one call, one reference",[10,886,887],{},"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.",[10,889,890,891,893,894,39],{},"For calls that recur on a regular due date, see ",[177,892,413],{"href":412},"; for spreading an unpaid amount over time, ",[177,895,408],{"href":407},{"title":195,"searchDepth":196,"depth":196,"links":897},[898,899,903,904,905],{"id":746,"depth":199,"text":747},{"id":776,"depth":199,"text":777,"children":900},[901,902],{"id":781,"depth":196,"text":782},{"id":792,"depth":196,"text":793},{"id":810,"depth":199,"text":811},{"id":860,"depth":199,"text":861},{"id":883,"depth":199,"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",1789922122238]