You don't have to talk about money. We'll handle it for you.

Terminovo watches every invoice deadline and sends polite reminders on your behalf — via email and SMS, with a direct payment link so your client can pay by card or bank transfer in seconds, without looking up account numbers. Set your reminder schedule once and the system takes it from there: a considerate nudge before the due date, a calm but firm follow-up once it passes, and a formal demand if the client goes quiet. The system respects quiet hours and skips Sundays, so reminders land at appropriate times. You can exclude specific clients, adjust the tone of each message, and pause a sequence at any moment. <a href="/en/how-it-works/">See how it works</a> or read our <a href="/en/blog/payment-reminder-templates/">guide with ready-to-use templates</a>.

That is a natural concern — and exactly why Terminovo is designed to be tactful, not aggressive. You decide which clients receive automatic reminders and which ones you prefer to exclude. You can set the tone of each message: friendly and warm before the due date, calm but firm afterwards, and formal only as a last resort. Reminders respect quiet hours and skip Sundays, so clients never receive messages at inappropriate times. Clients can also click "I will pay by [date]" — the system automatically pauses all messages until the promised date, removing awkward follow-ups. You protect the relationship — the system protects the cash flow.

No — Terminovo works alongside your existing invoicing tool, not instead of it. You do not need to change how you create invoices or migrate any data. Export your invoices from Fakturownia, wFirma, iFirma, or any other platform and upload them to Terminovo — it takes a few minutes. From that point, Terminovo handles the reminder sequences while you keep issuing invoices the way you always have. If you prefer to consolidate, you can also use the built-in KSeF invoicing module in Terminovo, which is free on every tier and fully compliant with mandatory e-invoicing requirements. Automatic direct sync with popular invoicing platforms is on our roadmap, and we notify registered users first when new integrations launch.

The Free tier (PLN 0 per month) gives you full access to KSeF e-invoicing — issue and receive invoices without any document limits, at no cost. You also get a dashboard showing all your invoices and their payment status: who has paid, who is overdue, and by how many days. What Free does not include is automated reminder sending. On paid plans, Terminovo contacts your clients for you: Starter (PLN 49/mo) handles up to 15 active sequences, Professional (PLN 119/mo) handles up to 75, and Business (PLN 499/mo) handles unlimited sequences. Paid plans also unlock the scheduled-with-preview mode, priority support, and analytics. You can start free and upgrade at any time, with no data loss and no long-term commitment.

The limit refers to the number of invoices that currently have an active reminder sequence running — meaning the system is automatically sending or has scheduled upcoming messages for those clients. On the Starter plan the cap is 15 invoices at once; on Professional it is 75. A slot frees up automatically in two situations: when an invoice is marked as paid, or when you manually pause the sequence for a given client. This means your capacity adjusts dynamically as invoices get settled — if three clients pay on the same day, you immediately have three new slots available. Invoices that are not inside an active sequence remain visible on your dashboard and can be activated at any point without losing any history.

Yes — issuing and receiving KSeF e-invoices is included on the Free tier (PLN 0 per month) and on all paid plans, with no additional fees and no document limits. Terminovo supports KSeF 2.0 in line with the current requirements from the Polish Ministry of Finance and includes an offline mode for when the government system is temporarily unavailable. The paid plans — Starter from PLN 49/mo, Professional at PLN 119/mo, Business at PLN 499/mo — add automated client reminders and payment recovery features on top. KSeF invoicing itself stays free because we believe that access to compliant e-invoicing should not be a barrier for any Polish business, regardless of size.

Each morning you receive a digest listing every reminder the system has scheduled to send that day. Before anything reaches your clients, you have a window to review and intervene: you can mark an invoice as paid if the client settled outside the system, skip a single reminder without interrupting the rest of the sequence, or pause the entire sequence for a particular client. If you take no action, the system sends all planned messages automatically at the right time — respecting quiet hours and skipping Sundays. This mode is for people who want full visibility and daily control before anything goes out. It is available on the Professional plan and above, while lower plans run fully automatic sequences without the daily preview.

Business (PLN 499/mo, unlimited active sequences) is currently in waitlist mode. We are onboarding an initial group of users carefully to make sure the experience is right before opening it broadly. If you need the Business plan now, you can join the waitlist from your account settings and we will reach out as soon as a place opens. In the meantime, the Professional plan (PLN 119/mo, up to 75 active sequences) covers the needs of most small and mid-sized businesses and is available immediately. We expand Business access in batches, so the sooner you sign up, the sooner you get in.

Yes — you can upgrade or downgrade your plan at any time from account settings. Changes take effect immediately after confirmation, without waiting for the end of a billing period. When you upgrade, you instantly gain access to a higher number of active sequences and any additional features included in the new plan. When you downgrade, active sequences above the new limit are automatically paused — not deleted — so you can reactivate them if you return to a higher plan later. There are no long-term contracts and no cancellation fees. Start on Free, add reminders when you are ready, and adjust the plan as your business grows.