[{"data":1,"prerenderedAt":760},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Fconfirmed-vs-paid-invoice":3,"related:\u002Fen\u002Fblog\u002Fconfirmed-vs-paid-invoice":218},{"id":4,"title":5,"body":6,"category":194,"date":195,"description":196,"extension":197,"faq":198,"h1":208,"key":209,"meta":210,"navigation":211,"path":212,"rawbody":213,"readingTime":214,"seo":215,"stem":216,"updated":195,"__hash__":217},"blog_en\u002Fen\u002Fblog\u002Fconfirmed-vs-paid-invoice.md","Confirmed or paid invoice: the difference",{"type":7,"value":8,"toc":183},"minimark",[9,13,18,88,91,95,117,121,128,132,139,143,156,160,175],[10,11,12],"p",{},"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.",[14,15,17],"h2",{"id":16},"the-stages-of-an-invoice","The stages of an invoice",[19,20,21,37],"table",{},[22,23,24],"thead",{},[25,26,27,31,34],"tr",{},[28,29,30],"th",{},"Stage",[28,32,33],{},"What happened",[28,35,36],{},"What it proves",[38,39,40,55,72],"tbody",{},[25,41,42,49,52],{},[43,44,45],"td",{},[46,47,48],"strong",{},"Issued",[43,50,51],{},"The organization created the invoice",[43,53,54],{},"A payment request exists",[25,56,57,62,65],{},[43,58,59],{},[46,60,61],{},"Confirmed",[43,63,64],{},"The payer gave their consent (validation code), or confirmation was automatic for an already committed customer",[43,66,67,68,71],{},"The payer ",[46,69,70],{},"accepts"," the invoice",[25,73,74,79,82],{},[43,75,76],{},[46,77,78],{},"Paid",[43,80,81],{},"The bank confirmed execution of the transfer",[43,83,84,85],{},"The money ",[46,86,87],{},"has really been sent",[10,89,90],{},"A confirmed invoice is therefore “awaiting payment”: the customer has committed, but the transfer has not yet been executed.",[14,92,94],{"id":93},"why-this-distinction-protects-everyone","Why this distinction protects everyone",[96,97,98,105,111],"ul",{},[99,100,101,104],"li",{},[46,102,103],{},"The merchant"," doesn't deliver on a mere promise.",[99,106,107,110],{},[46,108,109],{},"The customer"," isn't declared the payer of an invoice they haven't settled.",[99,112,113,116],{},[46,114,115],{},"The accountant"," has a single source of truth: the bank's confirmation.",[14,118,120],{"id":119},"the-role-of-the-validation-code","The role of the validation code",[10,122,123,124,127],{},"The validation code — 6 characters, single-use, valid for 24 hours — is found in the payer's space. It ",[46,125,126],{},"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.",[14,129,131],{"id":130},"for-an-already-committed-customer","For an already committed customer",[10,133,134,135,138],{},"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 ",[46,136,137],{},"paid"," only after bank confirmation.",[14,140,142],{"id":141},"what-this-implies-for-online-sales","What this implies for online sales",[10,144,145,146,149,150,155],{},"If you integrate virement.tn into a store, the rule is simple: ",[46,147,148],{},"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 ",[151,152,154],"a",{"href":153},"\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","integrating bank transfer payment on your site",".",[14,157,159],{"id":158},"key-takeaways","Key takeaways",[96,161,162,167,172],{},[99,163,164,166],{},[46,165,61],{}," = the customer said yes.",[99,168,169,171],{},[46,170,78],{}," = the bank confirmed the transfer.",[99,173,174],{},"Only the second authorizes delivery and the accounting entry.",[10,176,177,178,182],{},"The full journey is described on the ",[151,179,181],{"href":180},"\u002Fen\u002Fhow-it-works","how it works"," page.",{"title":184,"searchDepth":185,"depth":185,"links":186},"",3,[187,189,190,191,192,193],{"id":16,"depth":188,"text":17},2,{"id":93,"depth":188,"text":94},{"id":119,"depth":188,"text":120},{"id":130,"depth":188,"text":131},{"id":141,"depth":188,"text":142},{"id":158,"depth":188,"text":159},"How it works","2026-09-19","On virement.tn, a confirmed invoice is not a paid invoice. Understanding the statuses, the validation code and confirmation by the bank.","md",[199,202,205],{"q":200,"a":201},"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":203,"a":204},"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":206,"a":207},"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",{},true,"\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":5,"description":196},"en\u002Fblog\u002Fconfirmed-vs-paid-invoice","XKV0TpoHHjxaAd4ypaFy4KrXyav0dOKK2pwwk7z6sEY",[219,385,585],{"id":220,"title":221,"body":222,"category":365,"date":195,"description":366,"extension":197,"faq":367,"h1":377,"key":378,"meta":379,"navigation":211,"path":380,"rawbody":381,"readingTime":214,"seo":382,"stem":383,"updated":195,"__hash__":384},"blog_en\u002Fen\u002Fblog\u002Fgroup-fund-and-open-amount-qr.md","Group fund and open-amount QR",{"type":7,"value":223,"toc":358},[224,227,231,238,241,245,256,259,262,294,298,318,322,348],[10,225,226],{},"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.",[14,228,230],{"id":229},"the-open-amount-qr","The open-amount QR",[10,232,233,234,237],{},"A ",[46,235,236],{},"fixed, reusable link or QR code",", where the payer chooses the amount themselves. You can set minimum and maximum limits if you wish.",[10,239,240],{},"Typical uses: free donation, tip, contribution, payment for a small service with no prepared invoice.",[14,242,244],{"id":243},"the-group-fund","The group fund",[10,246,247,248,251,252,255],{},"It is the same principle, with a ",[46,249,250],{},"displayed goal"," and a ",[46,253,254],{},"closing date",": everyone contributes the amount they want, and everyone sees the progress.",[10,257,258],{},"Typical uses: group gift, contribution to a trip or an event, collection for an association or a project.",[14,260,194],{"id":261},"how-it-works",[263,264,265,271,277,282,288],"ol",{},[99,266,267,270],{},[46,268,269],{},"You enable the module"," from Settings → Features (modules are off by default, so nothing clutters your menu).",[99,272,273,276],{},[46,274,275],{},"You create the link or the group fund",": title, description, destination RIB, and for a group fund, the goal and the closing date.",[99,278,279],{},[46,280,281],{},"You share the link or the QR code.",[99,283,284,287],{},[46,285,286],{},"Each contributor chooses their amount"," and pays by bank transfer from their bank.",[99,289,290,293],{},[46,291,292],{},"You follow the contributions"," as they come in; each transfer confirmed by the bank is recorded.",[14,295,297],{"id":296},"what-it-is-not","What it is not",[96,299,300,306,312],{},[99,301,302,305],{},[46,303,304],{},"Not a deposit account."," Money does not pile up at virement.tn: each contribution is a direct transfer to your RIB.",[99,307,308,311],{},[46,309,310],{},"Not anonymous."," Each contributor goes through their virement.tn space, as for any invoice.",[99,313,314,317],{},[46,315,316],{},"No direct debit."," Nobody is debited without having decided it.",[14,319,321],{"id":320},"tips-for-a-successful-fundraiser","Tips for a successful fundraiser",[96,323,324,330,336,342],{},[99,325,326,329],{},[46,327,328],{},"Explain what the money is for"," in the description.",[99,331,332,335],{},[46,333,334],{},"Set a realistic goal",": watching the bar advance motivates more than an unreachable target.",[99,337,338,341],{},[46,339,340],{},"Give a closing date"," to create a rhythm.",[99,343,344,347],{},[46,345,346],{},"Say thank you"," to contributors at the end: it is what makes the next fundraiser possible.",[10,349,350,351,355,356,155],{},"The open-amount QR and group fund modules are included in every pack: only the volume of transfers varies, see ",[151,352,354],{"href":353},"\u002Fen\u002Fpricing","pricing",". To understand the general principle of payment by bank transfer, read ",[151,357,181],{"href":180},{"title":184,"searchDepth":185,"depth":185,"links":359},[360,361,362,363,364],{"id":229,"depth":188,"text":230},{"id":243,"depth":188,"text":244},{"id":261,"depth":188,"text":194},{"id":296,"depth":188,"text":297},{"id":320,"depth":188,"text":321},"Fundraising","Organizing a group fund or an open-amount payment link in Tunisia: how it works, displayed goal, direct bank transfer to your RIB.",[368,371,374],{"q":369,"a":370},"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":372,"a":373},"Do contributors need an account?","Yes, they go through their virement.tn space, as for any other invoice.",{"q":375,"a":376},"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":221,"description":366},"en\u002Fblog\u002Fgroup-fund-and-open-amount-qr","Idkso2ddhXVfjjTl89XmFW1tFEZqybOrW8jOYpnRpvk",{"id":386,"title":387,"body":388,"category":564,"date":195,"description":565,"extension":197,"faq":566,"h1":576,"key":577,"meta":578,"navigation":211,"path":579,"rawbody":580,"readingTime":581,"seo":582,"stem":583,"updated":195,"__hash__":584},"blog_en\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia.md","Leasing in Tunisia: how does it work?",{"type":7,"value":389,"toc":556},[390,393,397,411,415,435,439,471,475,478,492,504,508,511,541,545],[10,391,392],{},"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.",[14,394,396],{"id":395},"the-principle","The principle",[10,398,233,399,402,403,406,407,410],{},[46,400,401],{},"leasing company"," buys an asset chosen by its customer and makes it available for a set period, in return for regular ",[46,404,405],{},"rent",". During the contract, the asset belongs to the leasing company; the customer, called the ",[46,408,409],{},"lessee",", uses it.",[14,412,414],{"id":413},"the-parties","The parties",[96,416,417,423,429],{},[99,418,419,422],{},[46,420,421],{},"The leasing company"," (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.",[99,424,425,428],{},[46,426,427],{},"The lessee",": a business, a professional or sometimes an individual, who uses the asset and pays the rent.",[99,430,431,434],{},[46,432,433],{},"The supplier",": the one who sells the asset to the leasing company.",[14,436,438],{"id":437},"how-a-contract-unfolds","How a contract unfolds",[263,440,441,447,453,459,465],{},[99,442,443,446],{},[46,444,445],{},"Choosing the asset."," The customer selects the equipment from a supplier.",[99,448,449,452],{},[46,450,451],{},"The financing agreement."," The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.",[99,454,455,458],{},[46,456,457],{},"Purchase and handover."," The leasing company buys the asset and hands it over to the lessee.",[99,460,461,464],{},[46,462,463],{},"The rent."," The lessee pays each installment — most often monthly or quarterly — throughout the contract.",[99,466,467,470],{},[46,468,469],{},"End of the contract."," Depending on its terms: exercising a purchase option, returning the asset, or renewal.",[14,472,474],{"id":473},"where-tracking-gets-difficult-for-the-leasing-company","Where tracking gets difficult for the leasing company",[10,476,477],{},"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:",[96,479,480,483,486,489],{},[99,481,482],{},"which installments are coming, and which have been paid;",[99,484,485],{},"which lessees are late, and for how long;",[99,487,488],{},"who to chase, and when;",[99,490,491],{},"what amount is really at risk.",[10,493,494,495,498,499,503],{},"Doing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why ",[46,496,497],{},"collections"," has become a profession in its own right in leasing; our article on the ",[151,500,502],{"href":501},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","rent collection method"," details the steps.",[14,505,507],{"id":506},"what-the-lessee-should-check-before-signing","What the lessee should check before signing",[10,509,510],{},"Without replacing professional advice, a few points deserve a careful reading of the contract:",[96,512,513,520,526,532,538],{},[99,514,515,516,519],{},"the ",[46,517,518],{},"total amount"," paid over the whole duration, not only the monthly rent;",[99,521,515,522,525],{},[46,523,524],{},"frequency"," and the due dates;",[99,527,515,528,531],{},[46,529,530],{},"consequences of a delay"," (penalties, forfeiture threshold);",[99,533,515,534,537],{},[46,535,536],{},"end-of-contract conditions"," (purchase option, return);",[99,539,540],{},"the costs that remain the lessee's responsibility (insurance, maintenance).",[14,542,544],{"id":543},"where-virementtn-fits-in","Where virement.tn fits in",[10,546,547,548,551,552,182],{},"virement.tn finances nothing: the platform helps leasing companies ",[46,549,550],{},"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 ",[151,553,555],{"href":554},"\u002Fen\u002Fleasing-tunisia","leasing",{"title":184,"searchDepth":185,"depth":185,"links":557},[558,559,560,561,562,563],{"id":395,"depth":188,"text":396},{"id":413,"depth":188,"text":414},{"id":437,"depth":188,"text":438},{"id":473,"depth":188,"text":474},{"id":506,"depth":188,"text":507},{"id":543,"depth":188,"text":544},"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.",[567,570,573],{"q":568,"a":569},"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":571,"a":572},"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":574,"a":575},"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.",null,"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",5,{"title":387,"description":565},"en\u002Fblog\u002Fhow-leasing-works-in-tunisia","DKeV7unOfNvYJXnZAlJ_eISXy5FG2Vn6Jy2atyR5uqg",{"id":586,"title":587,"body":588,"category":740,"date":195,"description":741,"extension":197,"faq":742,"h1":752,"key":753,"meta":754,"navigation":211,"path":755,"rawbody":756,"readingTime":581,"seo":757,"stem":758,"updated":195,"__hash__":759},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":7,"value":589,"toc":733},[590,593,597,627,631,669,673,703,707,710,714],[10,591,592],{},"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.",[14,594,596],{"id":595},"what-you-need-before-you-start","What you need before you start",[96,598,599,609,615,621],{},[99,600,601,604,605,155],{},[46,602,603],{},"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 ",[151,606,608],{"href":607},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","Tunisian RIB",[99,610,611,614],{},[46,612,613],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[99,616,617,620],{},[46,618,619],{},"The amount",", in Tunisian dinars (TND).",[99,622,623,626],{},[46,624,625],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[14,628,630],{"id":629},"the-steps","The steps",[263,632,633,639,645,651,657,663],{},[99,634,635,638],{},[46,636,637],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[99,640,641,644],{},[46,642,643],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[99,646,647,650],{},[46,648,649],{},"Enter the amount"," and the reference.",[99,652,653,656],{},[46,654,655],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[99,658,659,662],{},[46,660,661],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[99,664,665,668],{},[46,666,667],{},"Keep the receipt",": it proves the date and the amount of your payment.",[14,670,672],{"id":671},"the-most-common-mistakes","The most common mistakes",[96,674,675,685,691,697],{},[99,676,677,680,681,684],{},[46,678,679],{},"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 ",[151,682,683],{"href":607},"dedicated article",").",[99,686,687,690],{},[46,688,689],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[99,692,693,696],{},[46,694,695],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[99,698,699,702],{},[46,700,701],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[14,704,706],{"id":705},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[10,708,709],{},"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.",[14,711,713],{"id":712},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[10,715,716,717,721,722,725,726,730,731,182],{},"Receiving a transfer is simple, but knowing ",[718,719,720],"em",{},"which invoice"," it settles and ",[718,723,724],{},"when"," it arrived is less so. With ",[151,727,729],{"href":728},"\u002Fen\u002Fbank-transfer-tunisia","virement.tn",", 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 ",[151,732,181],{"href":180},{"title":184,"searchDepth":185,"depth":185,"links":734},[735,736,737,738,739],{"id":595,"depth":188,"text":596},{"id":629,"depth":188,"text":630},{"id":671,"depth":188,"text":672},{"id":705,"depth":188,"text":706},{"id":712,"depth":188,"text":713},"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.",[743,746,749],{"q":744,"a":745},"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":747,"a":748},"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":750,"a":751},"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":587,"description":741},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",1789922122284]