[{"data":1,"prerenderedAt":764},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia":3,"related:\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia":197},{"id":4,"title":5,"body":6,"category":173,"date":174,"description":175,"extension":176,"faq":177,"h1":187,"key":188,"meta":189,"navigation":190,"path":191,"rawbody":192,"readingTime":193,"seo":194,"stem":195,"updated":174,"__hash__":196},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":7,"value":8,"toc":163},"minimark",[9,13,18,53,57,96,100,130,134,137,141],[10,11,12],"p",{},"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.",[14,15,17],"h2",{"id":16},"what-you-need-before-you-start","What you need before you start",[19,20,21,35,41,47],"ul",{},[22,23,24,28,29,34],"li",{},[25,26,27],"strong",{},"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 ",[30,31,33],"a",{"href":32},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","Tunisian RIB",".",[22,36,37,40],{},[25,38,39],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[22,42,43,46],{},[25,44,45],{},"The amount",", in Tunisian dinars (TND).",[22,48,49,52],{},[25,50,51],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[14,54,56],{"id":55},"the-steps","The steps",[58,59,60,66,72,78,84,90],"ol",{},[22,61,62,65],{},[25,63,64],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[22,67,68,71],{},[25,69,70],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[22,73,74,77],{},[25,75,76],{},"Enter the amount"," and the reference.",[22,79,80,83],{},[25,81,82],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[22,85,86,89],{},[25,87,88],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[22,91,92,95],{},[25,93,94],{},"Keep the receipt",": it proves the date and the amount of your payment.",[14,97,99],{"id":98},"the-most-common-mistakes","The most common mistakes",[19,101,102,112,118,124],{},[22,103,104,107,108,111],{},[25,105,106],{},"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 ",[30,109,110],{"href":32},"dedicated article",").",[22,113,114,117],{},[25,115,116],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[22,119,120,123],{},[25,121,122],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[22,125,126,129],{},[25,127,128],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[14,131,133],{"id":132},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[10,135,136],{},"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.",[14,138,140],{"id":139},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[10,142,143,144,148,149,152,153,157,158,162],{},"Receiving a transfer is simple, but knowing ",[145,146,147],"em",{},"which invoice"," it settles and ",[145,150,151],{},"when"," it arrived is less so. With ",[30,154,156],{"href":155},"\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 ",[30,159,161],{"href":160},"\u002Fen\u002Fhow-it-works","how it works"," page.",{"title":164,"searchDepth":165,"depth":165,"links":166},"",3,[167,169,170,171,172],{"id":16,"depth":168,"text":17},2,{"id":55,"depth":168,"text":56},{"id":98,"depth":168,"text":99},{"id":132,"depth":168,"text":133},{"id":139,"depth":168,"text":140},"Bank transfers","2026-09-19","The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.","md",[178,181,184],{"q":179,"a":180},"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":182,"a":183},"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":185,"a":186},"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",{},true,"\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",5,{"title":5,"description":175},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",[198,383,570],{"id":199,"title":200,"body":201,"category":173,"date":174,"description":364,"extension":176,"faq":365,"h1":375,"key":376,"meta":377,"navigation":190,"path":32,"rawbody":378,"readingTime":379,"seo":380,"stem":381,"updated":174,"__hash__":382},"blog_en\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification.md","Tunisian RIB: structure, IBAN and verification",{"type":7,"value":202,"toc":358},[203,206,210,217,283,290,294,301,308,312,338,342,352],[10,204,205],{},"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.",[14,207,209],{"id":208},"how-a-tunisian-rib-is-built","How a Tunisian RIB is built",[10,211,212,213,216],{},"A Tunisian RIB has ",[25,214,215],{},"20 digits",", broken down as follows:",[218,219,220,236],"table",{},[221,222,223],"thead",{},[224,225,226,230,233],"tr",{},[227,228,229],"th",{},"Part",[227,231,232],{},"Number of digits",[227,234,235],{},"Role",[237,238,239,251,262,273],"tbody",{},[224,240,241,245,248],{},[242,243,244],"td",{},"Bank code",[242,246,247],{},"2",[242,249,250],{},"Identifies the bank",[224,252,253,256,259],{},[242,254,255],{},"Branch code",[242,257,258],{},"3",[242,260,261],{},"Identifies the branch",[224,263,264,267,270],{},[242,265,266],{},"Account number",[242,268,269],{},"13",[242,271,272],{},"Identifies the account",[224,274,275,278,280],{},[242,276,277],{},"RIB key",[242,279,247],{},[242,281,282],{},"Checks the consistency of the previous digits",[10,284,285,286,289],{},"Internationally, the ",[25,287,288],{},"IBAN"," is used: the letters “TN”, two check digits, then the 20 digits of the RIB.",[14,291,293],{"id":292},"what-the-key-is-for","What the key is for",[10,295,296,297,300],{},"The key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple ",[25,298,299],{},"typing error"," (one changed digit, two swapped digits) is almost always detected when the key is recalculated.",[10,302,303,304,307],{},"What the key does not do: it says nothing about the account ",[25,305,306],{},"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.",[14,309,311],{"id":310},"checking-a-rib-before-paying","Checking a RIB before paying",[19,313,314,320,326,332],{},[22,315,316,319],{},[25,317,318],{},"Compare the holder's name"," with the person or company to be paid.",[22,321,322,325],{},[25,323,324],{},"Confirm any change of RIB through a second channel"," (a call, a meeting): it is the most common fraud on invoices.",[22,327,328,331],{},[25,329,330],{},"Copy, don't retype",": copy-pasting from a trusted document reduces typing errors.",[22,333,334,337],{},[25,335,336],{},"For a large first payment",", some organizations start with a small test transfer before the full amount.",[14,339,341],{"id":340},"why-virementtn-verifies-organizations-ribs","Why virement.tn verifies organizations' RIBs",[10,343,344,345,347,348,351],{},"A wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On ",[30,346,156],{"href":160},", an organization must have ",[25,349,350],{},"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.",[10,353,354,355,34],{},"For the basics of the payment itself, read our ",[30,356,357],{"href":191},"guide to bank transfers in Tunisia",{"title":164,"searchDepth":165,"depth":165,"links":359},[360,361,362,363],{"id":208,"depth":168,"text":209},{"id":292,"depth":168,"text":293},{"id":310,"depth":168,"text":311},{"id":340,"depth":168,"text":341},"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.",[366,369,372],{"q":367,"a":368},"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":370,"a":371},"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":373,"a":374},"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",4,{"title":200,"description":364},"en\u002Fblog\u002Ftunisian-rib-structure-and-verification","FH3b51VyJyQ_8cBrvBb9kaWtH-6SIRKK3c8g4rYYVLo",{"id":384,"title":385,"body":386,"category":549,"date":174,"description":550,"extension":176,"faq":551,"h1":561,"key":562,"meta":563,"navigation":190,"path":564,"rawbody":565,"readingTime":566,"seo":567,"stem":568,"updated":174,"__hash__":569},"blog_en\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia.md","Leasing rent collection in Tunisia: the method",{"type":7,"value":387,"toc":539},[388,395,399,402,410,417,421,428,432,439,443,463,467,513,520,524,532],[10,389,390,391,394],{},"Collecting leasing rent does not start on the day of the delay: it starts at the ",[25,392,393],{},"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.",[14,396,398],{"id":397},"_1-start-from-a-reliable-schedule","1. Start from a reliable schedule",[10,400,401],{},"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.",[14,403,405,406,409],{"id":404},"_2-remind-before-the-due-date","2. Remind ",[145,407,408],{},"before"," the due date",[10,411,412,413,416],{},"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, ",[25,414,415],{},"three days before"," — costs almost nothing and avoids part of the delays.",[14,418,420],{"id":419},"_3-detect-the-delay-the-very-next-day","3. Detect the delay the very next day",[10,422,423,424,427],{},"Don't discover a delay at month end. The delay must be calculated ",[25,425,426],{},"every day",", per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.",[14,429,431],{"id":430},"_4-follow-up-in-steps","4. Follow up in steps",[10,433,434,435,438],{},"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: ",[25,436,437],{},"a follow-up must not be sent twice"," for the same step.",[14,440,442],{"id":441},"_5-frame-it-with-penalties-and-a-default-threshold","5. Frame it with penalties and a default threshold",[19,444,445,451,457],{},[22,446,447,450],{},[25,448,449],{},"The late-payment penalty",", if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.",[22,452,453,456],{},[25,454,455],{},"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).",[22,458,459,462],{},[25,460,461],{},"Flexibility",": postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.",[14,464,466],{"id":465},"_6-steer-with-four-indicators","6. Steer with four indicators",[218,468,469,479],{},[221,470,471],{},[224,472,473,476],{},[227,474,475],{},"Indicator",[227,477,478],{},"Question it answers",[237,480,481,489,497,505],{},[224,482,483,486],{},[242,484,485],{},"Collection rate",[242,487,488],{},"What share of what is due has been collected?",[224,490,491,494],{},[242,492,493],{},"Weighted average delay",[242,495,496],{},"What is the average age of delays, taking amounts into account?",[224,498,499,502],{},[242,500,501],{},"Overdue installments",[242,503,504],{},"How many, and for what amounts?",[224,506,507,510],{},[242,508,509],{},"At-risk contracts",[242,511,512],{},"Which ones should be handled first?",[10,514,515,516,519],{},"The average delay ",[145,517,518],{},"weighted by amount"," prevents a small, very late rent installment from masking a large, slightly late one.",[14,521,523],{"id":522},"what-this-looks-like-with-virementtn","What this looks like with virement.tn",[10,525,526,527,531],{},"This is exactly the mechanism of ",[30,528,530],{"href":529},"\u002Fen\u002Fleasing-tunisia","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.",[10,533,534,535,162],{},"Want to understand the logic of installments themselves? See the ",[30,536,538],{"href":537},"\u002Fen\u002Finstallment-payments","installment payments",{"title":164,"searchDepth":165,"depth":165,"links":540},[541,542,544,545,546,547,548],{"id":397,"depth":168,"text":398},{"id":404,"depth":168,"text":543},"2. Remind before the due date",{"id":419,"depth":168,"text":420},{"id":430,"depth":168,"text":431},{"id":441,"depth":168,"text":442},{"id":465,"depth":168,"text":466},{"id":522,"depth":168,"text":523},"Leasing","How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.",[552,555,558],{"q":553,"a":554},"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":556,"a":557},"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":559,"a":560},"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.",null,"recouvrement-loyers-leasing-tunisie",{},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","---\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",6,{"title":385,"description":550},"en\u002Fblog\u002Fleasing-rent-collection-tunisia","_oX4hs2-9HzjlD5pJXgVBTdrMm8xUXoKuOXT45dQygA",{"id":571,"title":572,"body":573,"category":549,"date":174,"description":746,"extension":176,"faq":747,"h1":561,"key":757,"meta":758,"navigation":190,"path":759,"rawbody":760,"readingTime":193,"seo":761,"stem":762,"updated":174,"__hash__":763},"blog_en\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment.md","Postponing or revising a leasing installment",{"type":7,"value":574,"toc":739},[575,578,582,651,654,658,684,688,708,711,715,722,726,729],[10,576,577],{},"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.",[14,579,581],{"id":580},"postponement-revision-penalty-default-dont-mix-everything-up","Postponement, revision, penalty, default: don't mix everything up",[218,583,584,597],{},[221,585,586],{},[224,587,588,591,594],{},[227,589,590],{},"Lever",[227,592,593],{},"What it is",[227,595,596],{},"When to use it",[237,598,599,612,625,638],{},[224,600,601,606,609],{},[242,602,603],{},[25,604,605],{},"Postponement",[242,607,608],{},"Moving an installment's date",[242,610,611],{},"Temporary, dated cash-flow difficulty",[224,613,614,619,622],{},[242,615,616],{},[25,617,618],{},"Amount revision",[242,620,621],{},"Changing an installment's amount",[242,623,624],{},"Commercial agreement on a different amount",[224,626,627,632,635],{},[242,628,629],{},[25,630,631],{},"Penalty",[242,633,634],{},"Charging for the delay (daily rate or fixed amount)",[242,636,637],{},"If your contract provides for it and you want to apply it",[224,639,640,645,648],{},[242,641,642],{},[25,643,644],{},"Move to default",[242,646,647],{},"Considering the contract as defaulting beyond a delay threshold",[242,649,650],{},"Prolonged delay, opening of specific handling",[10,652,653],{},"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.",[14,655,657],{"id":656},"before-granting-a-postponement-four-questions","Before granting a postponement: four questions",[58,659,660,666,672,678],{},[22,661,662,665],{},[25,663,664],{},"Is the difficulty temporary?"," A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.",[22,667,668,671],{},[25,669,670],{},"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.",[22,673,674,677],{},[25,675,676],{},"Is the new date realistic?"," A postponement without a credible commitment simply pushes the problem back.",[22,679,680,683],{},[25,681,682],{},"How many postponements do you accept?"," Set a rule (for example once per contract) so you don't decide case by case under pressure.",[14,685,687],{"id":686},"what-this-looks-like-on-virementtn","What this looks like on virement.tn",[19,689,690,696,702],{},[22,691,692,695],{},[25,693,694],{},"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.",[22,697,698,701],{},[25,699,700],{},"Revising its amount",": you change the installment's amount, including when it is already overdue.",[22,703,704,707],{},[25,705,706],{},"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.",[10,709,710],{},"An already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.",[14,712,714],{"id":713},"what-the-tool-doesnt-do-for-you","What the tool doesn't do for you",[10,716,717,718,721],{},"virement.tn ",[25,719,720],{},"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.",[14,723,725],{"id":724},"keep-a-record","Keep a record",[10,727,728],{},"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.",[10,730,731,732,735,736,162],{},"For the whole approach — reminders, follow-ups, default threshold, indicators — see the ",[30,733,734],{"href":564},"leasing rent collection method"," and the ",[30,737,738],{"href":529},"leasing",{"title":164,"searchDepth":165,"depth":165,"links":740},[741,742,743,744,745],{"id":580,"depth":168,"text":581},{"id":656,"depth":168,"text":657},{"id":686,"depth":168,"text":687},{"id":713,"depth":168,"text":714},{"id":724,"depth":168,"text":725},"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.",[748,751,754],{"q":749,"a":750},"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":752,"a":753},"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":755,"a":756},"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":572,"description":746},"en\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","Nw_Owrk7B_MuwP_DAK-jGbqabf_X6OQcZ1Zv9qWpP0A",1789922122315]