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Terminovo is a Polish app for freelancers and small businesses that sends tactful payment reminders with a one-tap BLIK link — so invoices get paid without you ever bringing up the money. KSeF e-invoicing is included, from 0 PLN.

SMS to your client
Hi! Invoice FV/042 (850 PLN) was due 3 days ago — payment link below 😊
Every stage of getting paid — handled in one place, automatically.
3 min
to connect your invoices
Create invoices directly in Terminovo, sync them from KSeF, or upload a CSV. Every open invoice is tracked from the moment it lands.

Issue KSeF invoices — or import the ones you have
KSeF invoices, import, or CSV upload
See exactly who owes you, how much, since when
Who owes you, how much, since when
Tactful reminders go out on your behalf
Friendly → firm → formal, on your behalf
A payment link in every single message
BLIK link in every message
Watch what changed since you switched it on
Watch your payment delay drop
SEE IT LIVE
From the first reminder to the payment landing in your account — one place where the money chases itself.
One screen shows what's outstanding, who's paid on time, and who's falling behind.


Terminovo suggests who to remind and when — send it by email, SMS, or payment link.


Seven stages, from a friendly first nudge to a formal notice — you just flip the switch.


No manual transfers, no chasing invoices — clients pay straight from the reminder.


Issue KSeF invoices from 0 PLN and see what's paid and what's outstanding at a glance.


Tone escalation
The system reads how overdue an invoice is and adjusts the tone — you stay out of every awkward conversation.
A polite nudge by email and SMS before the deadline — with a payment link, so paying takes 30 seconds.
Clear and direct once the deadline passes. Tighter intervals, explicit call to action — still respectful.
An official payment demand with full invoice details and consequences — generated and sent for you.
Quiet hours respected. Sundays skipped. Clients can promise a date — reminders pause automatically.
Our storage rentals bill every month, and chasing the late ones used to eat whole afternoons. That's why we're rolling out a reminder ladder now to take that work off our plate — from a friendly nudge, to a firmer reminder, to a formal demand with a payment link. Instead of picking up the phone every time, we want tenants to be able to settle the invoice in one click.
Terminovo helps me recover money for unpaid invoices. I finally don't have to do it myself, which was often uncomfortable.
Three sliders. Your numbers. See what automation recovers.
1290%
return on investment, monthly
Estimates — results vary by industry and client base.
Every account starts with a 14-day Professional trial — full automated reminders, no card. After that, keep the plan that fits or stay free with 3 KSeF invoices a month.
3 issued KSeF invoices a month, unlimited receiving, and full visibility of what's overdue. PLN 0, no card.
Polite email + SMS nudges for smaller invoice volumes.
The system watches payments for you — full escalation, formal demands, client history.
No card required · Downgrades to Free automatically
Only need invoicing? Invoices Only: 75 KSeF invoices at PLN 29/mo — details in the full pricing
Need volume? Business (499 zł/mo, unlimited reminders) — join the waitlist
Active-invoice pool: 1 = 1 invoice issued or covered by reminders in a given period
2026 deadlines, penalties and how to prepare — the complete guide.
Learn moreCalculate how much interest you can charge for late payment.
Learn moreCreate a formal payment demand in 30 seconds.
Learn moreReady-to-use template, sending instructions, and interest calculator.
Learn more5 scenarios for different client types — from gentle to firm.
Learn moreComparison of 8 invoicing tools with KSeF.
Learn moreAutomated reminders for unpaid invoices.
Learn moreCreate your free account, import invoices in one click, and let the first reminders go out today — tactfully.
KSeF invoicing from 0 PLN · 14-day Professional trial · No card, no contracts