Late Payments in Transport: Guide

TL;DR - What You Need to Know

If you run a transport or logistics company operating in Poland or the wider EU, late payment is not a risk - it is a near-certainty. According to our research, the average payment delay in Polish transport sits at 52 days beyond the agreed due date, and roughly 67% of all freight invoices are paid late. That figure is among the worst of any sector in the Polish economy.

This guide covers everything you need to act on this problem systematically:

• Why transport companies are disproportionately exposed to payment delays
• How CMR documents relate to payment terms and what to watch for
• Your legal rights under the EU Late Payment Directive and Polish law - including the right to 15.75% annual interest and fixed compensation of 40–100 EUR per invoice
• A practical comparison of recovery options: from manual follow-up to factoring to automated reminders
• Concrete steps to protect your cash flow starting today

Whether you operate one truck or manage a fleet of 50, the principles here apply. Visit our transport industry page for tools tailored to carriers.

The Scale of the Problem in Polish Transport

Late payment is endemic to the transport sector across Europe, but Poland is a particularly acute case. The country sits at a crossroads of east-west freight flows - it is the largest road freight market in the EU by volume - and the structural dynamics of that market create a payment culture that consistently disadvantages carriers.

How Bad Is It?

The key statistics are stark:

• Average payment delay: 52 days. This is on top of the agreed payment term, not instead of it. If you agreed net 30, you are routinely waiting 82 days for your money.
• 67% of transport invoices are paid late. Two out of every three invoices you issue will not arrive on the due date.
• Transport ranks among the top three sectors with the longest payment delays in the Polish economy, alongside construction and wholesale trade.
• Owner-operators and small fleets are hit hardest. A company with 50 trucks has the reserves to absorb a 60-day gap. A sole operator with two vehicles often does not.

These delays create a compounding problem. A carrier waiting 82 days on average for payment on a net-30 invoice must finance 52 days of operating costs from their own pocket - or borrow. At current credit rates, that financing cost eats directly into already-thin freight margins.

The Knock-On Effect

Late payment in transport does not stay contained. When a large freight forwarder delays payment to a mid-size carrier, that carrier delays payment to its subcontractors, who in turn struggle to pay drivers and fuel suppliers on time. The entire supply chain becomes a slow-motion credit chain, with the weakest links - smaller operators - bearing the most pressure.

This dynamic is well-documented by Poland's economic monitoring bodies and is one of the reasons the Polish government strengthened late payment enforcement through the UOKiK (Office of Competition and Consumer Protection) in recent years.

Why Transport Is Especially Vulnerable to Payment Delays

Late payment is a problem in many B2B sectors, but transport faces a combination of factors that makes it uniquely exposed. Understanding these is the first step toward protecting yourself.

Costs That Cannot Wait

Unlike a software company or a consultancy, a transport business has costs that fall due immediately and cannot be deferred:

• Fuel: Diesel must be paid for at the pump or within very short credit terms. A busy week on the road means thousands of PLN in fuel costs before any invoice is even issued.
• Tolls - the e-TOLL system: Poland's e-TOLL system requires pre-payment or near-real-time settlement. There is no "invoice me later" option at the toll gate. Accounts must be topped up in advance.
• Driver wages: Polish labour law requires timely wage payment. A driver does not wait 60 days for their salary simply because the client has not yet paid the carrier.
• Vehicle servicing and tyres: A truck covering 10,000–12,000 km per month accumulates servicing costs continuously, regardless of whether receivables have cleared.
• Leasing and financing instalments: Most carriers finance their fleet. Monthly leasing instalments keep coming regardless of whether your freight forwarder is 60 days late.

The result: a structural cash-flow gap between when costs are incurred and when revenue is collected.

Payment Terms Imposed by the Market

Large freight forwarders - particularly in the international market - routinely impose payment terms of 45 to 90 days on the carriers and subcontractors they use. The carrier, needing the load, accepts. This is not a negotiation; it is a take-it-or-leave-it condition in most spot and contract freight agreements.

The power asymmetry is significant. A freight forwarder managing hundreds of carriers has leverage. A small carrier with two trucks has none. The forwarder knows the carrier will accept because turning down loads is not viable.

Razor-Thin Margins

Net operating margins in Polish road freight typically range from 2% to 5% on freight revenue. At those margins, a 60-day payment delay on a significant invoice is not an inconvenience - it can be an existential threat to liquidity. A single large client going 90 days late on a 50,000 PLN invoice while the carrier's diesel bill, driver wages, and leasing instalments continue to fall due can push a small operator into overdraft.

Subcontractor Chains Multiply the Problem

A significant share of Polish road freight moves through subcontracting chains. A shipper hires a freight forwarder, who hires a carrier, who sometimes subcontracts to an owner-operator. Each link in the chain has its own payment delay. By the time the forwarder pays the carrier, and the carrier pays the subcontractor, the owner-operator at the end of the chain may be waiting 90–120 days from the day they made the delivery. The work was done; the money is still somewhere upstream.

CMR Documents and Payment Terms - What Carriers Need to Know

The CMR consignment note (from the Convention on the Contract for the International Carriage of Goods by Road) is the foundational document in international road freight. Every carrier operating in Europe needs to understand how it intersects with payment.

What CMR Is - and What It Is Not

The CMR note is a carriage contract document that covers the terms of transport - what is being carried, the origin and destination, declared value, delivery conditions, and liability. It is not itself a payment document. The payment obligation arises from the commercial agreement between the carrier and the freight forwarder or shipper - typically evidenced by a load confirmation, rate agreement, or framework contract.

However, the CMR note matters for payment in a practical sense: it is typically the primary proof of delivery. Without a signed CMR returned to the carrier, many clients will refuse to process the invoice, citing the absence of proof of delivery. This is the single most common administrative trigger for payment delays in international transport.

Common Payment Triggers in Freight Contracts

Freight payment agreements typically tie payment to one of three events:

1. Delivery confirmation - payment runs from the date of physical delivery, regardless of when the CMR or invoice arrives.
2. CMR return - the clock starts only when the signed original CMR (or a certified copy) reaches the carrier's office and is forwarded to the client. This is common in international freight and can add 5–10 days to the effective start of the payment clock.
3. Invoice receipt - the payment term runs from the date the client receives the invoice. Under KSeF (Poland's National e-Invoice System), this moment is precisely timestamped, which reduces disputes.

The distinction matters enormously in practice. If your contract says "30 days from CMR return" and your driver takes 10 days to return the physical document, your effective payment term is already 40 days from delivery before the clock even starts.

Best Practices for CMR Handling

Small process improvements can meaningfully accelerate your payment timeline:

• Use e-CMR where possible. The electronic CMR (e-CMR) under the additional protocol to the CMR Convention eliminates the delay caused by returning physical documents. The proof of delivery is available immediately and electronically. Poland recognises e-CMR.
• Photograph the signed CMR at delivery. Even when using paper CMR, a timestamped photo of the signed document gives you immediate digital proof of delivery and lets you invoice the same day.
• Issue your invoice the day of delivery. Every day you delay invoicing is a day you add to the payment cycle. If your contract triggers on invoice receipt, you are extending your own payment terms by waiting.
• Retain copies of all CMR documents. In any payment dispute, the CMR is exhibit A. Store physical and digital copies systematically.
• Note any reservations clearly on the CMR. If goods were damaged or a delivery condition was not met, document it on the CMR at the time of delivery. Undocumented reservations raised later will be disputed.

The EU Late Payment Directive - Your Legal Rights

The European Union's Late Payment Directive (Directive 2011/7/EU) establishes minimum standards for payment terms and interest across all EU member states. Poland has implemented it through national legislation. Understanding what it gives you is essential - these are rights you can exercise right now on any overdue invoice.

Maximum 60-Day Payment Terms for B2B

Under the Directive, B2B payment terms in commercial transactions generally cannot exceed 60 calendar days from the later of: (a) the date of receipt of the invoice, or (b) the date of receipt of the goods or services. This is a hard cap unless both parties explicitly agree otherwise and the agreement is not "manifestly unfair" to the creditor.

In practice, this means that a freight forwarder imposing 90-day terms on a carrier without justification is in legally questionable territory. Many carriers do not know this and accept 90-day terms as standard practice. They are not obliged to.

Statutory Interest: 15.75% Per Year in Poland

From the day after the payment due date, you are automatically entitled to charge statutory interest for commercial transactions under Art. 7(1) of the Act of 8 March 2013 on Counteracting Excessive Delays in Commercial Transactions. In Poland, this is calculated as the National Bank of Poland (NBP) reference rate plus 10 percentage points.

With the NBP reference rate currently at 5.75%, the statutory interest rate for commercial transactions is 15.75% per year. You do not need to include this in your original invoice or give advance notice. It accrues automatically by operation of law from the first day of delay.

On a 30,000 PLN invoice paid 60 days late, that is approximately 775 PLN in accrued interest that you are entitled to claim. Use our interest calculator to calculate the exact amount on any invoice.

Fixed Recovery Compensation: 40, 70, or 100 EUR

In addition to statutory interest, the Directive gives you the right to claim a fixed compensation per overdue invoice to cover your recovery costs. Under Polish law (Article 10 of the Act on Counteracting Excessive Delays in Commercial Transactions), the amounts are:

Invoice value	Fixed compensation
Up to 5,000 PLN	Equivalent of 40 EUR in PLN
5,001 PLN – 50,000 PLN	Equivalent of 70 EUR in PLN
Over 50,000 PLN	Equivalent of 100 EUR in PLN

This compensation is per invoice, not per client. If a single freight forwarder owes you on six overdue invoices, you can claim the fixed compensation six times. No proof of actual costs is required - the entitlement is automatic once an invoice is overdue.

If your actual recovery costs (legal fees, collection agency fees) exceed the fixed compensation, you can claim the higher amount. Keep documentation. Calculate your exact entitlement: compensation calculator.

Use our late payment cost calculator to see the full financial impact of payment delays on your business.

The Directive and Polish Implementation

Poland implemented the EU Late Payment Directive through the Ustawa z dnia 8 marca 2013 r. o przeciwdziałaniu nadmiernym opóźnieniom w transakcjach handlowych (Act of 8 March 2013 on Counteracting Excessive Delays in Commercial Transactions), significantly strengthened by amendments in 2019 and 2022. The Polish implementation is in some respects stricter than the EU minimum - for example, the additional UOKiK reporting obligations for large enterprises discussed in the next section.

Polish Transport Payment Law - Sector-Specific Framework

Beyond the general commercial payment rules, carriers in Poland operate under sector-specific legislation that has additional relevance for payment disputes and enforcement.

The Transport Law Act (Prawo przewozowe)

The Prawo przewozowe (Act of 15 November 1984 on Transport Law) governs domestic road freight within Poland. It sets out the legal framework for the carriage contract, including the carrier's rights and obligations, liability for cargo loss or damage, and the basis for freight charge claims.

Key provisions relevant to payment:

• The carrier has a statutory lien on cargo for unpaid freight charges in some circumstances - though exercising this in practice is complex and rarely advisable without legal advice.
• Disputes about freight charges are subject to a one-year limitation period from the day the carriage was completed. Do not let payment disputes drag beyond this.
• The Act establishes the carrier's right to freight charges upon completion of carriage, regardless of any disputes about cargo condition (unless the carrier was at fault for the damage).

The Road Transport Act (Ustawa o transporcie drogowym)

The Ustawa o transporcie drogowym (Act of 6 September 2001 on Road Transport) primarily governs licensing and regulatory requirements for road transport operators. From a payment perspective, it is relevant because it establishes the professional framework within which carriers operate - and carriers with a valid licence are presumptively operating legitimate commercial entities with full B2B payment rights under Polish law.

UOKiK Reporting for Chronically Late Large Payers

One of the most practically significant recent developments in Polish payment law is the obligation on large enterprises (those meeting the EU "large enterprise" thresholds) to report their B2B payment practices annually to the UOKiK (Urząd Ochrony Konkurencji i Konsumentów - the Office of Competition and Consumer Protection).

Large enterprises must disclose their average payment terms and actual payment times. UOKiK publishes this data, names companies that are systematically late payers, and can impose financial penalties for excessive delays. This means that if a major freight forwarder or logistics group is routinely paying you 60+ days late, there is a regulatory mechanism that can apply pressure that goes beyond your own enforcement efforts.

If you are a smaller carrier dealing with a large, systematically late payer, it is worth checking whether they are subject to UOKiK reporting and whether they have been sanctioned. UOKiK's payment monitoring register is publicly available.

Recovery Options: From Manual to Automated

When invoices go overdue, you have several options. They differ significantly in cost, effort, speed, and - critically - the impact on your client relationships. Here is how they compare.

Option 1: Manual Follow-Up (Calls and Emails)

The default approach for most carriers: pick up the phone, send an email, chase payment yourself.

• Cost: No direct cost, but significant time cost. Chasing 10 overdue invoices across different clients can easily consume 3–5 hours per week.
• Effectiveness: Works reasonably well for clients who are late by oversight. Less effective for systematic slow payers who know you will not escalate.
• Relationship impact: Depends heavily on tone and timing. Done well, it is fine. Done badly - or too aggressively, too early - it creates friction with clients you want to keep.
• Scalability: Poor. Works for a handful of invoices; breaks down at volume.

Option 2: Factoring

Factoring means selling your outstanding invoices to a financial institution (factor) at a discount in exchange for immediate cash - typically 80–90% of the invoice value upfront, with the remainder (minus fees) paid when the client settles.

• Cost: Typically 1–3% of invoice value per month. On a 30-day invoice, that might be 1–1.5%. On a 60-day invoice, the cost doubles. On thin freight margins, this is significant.
• Effectiveness: Solves the cash-flow problem immediately. You get paid; the factor chases the client.
• Relationship impact: The factor takes over the client relationship for that receivable. Some clients react poorly to being contacted by a third-party financial institution. This can damage long-term relationships.
• Best suited for: Carriers with persistent cash-flow gaps who need immediate liquidity and are willing to pay for it.

For a detailed comparison of factoring vs. automated reminders in transport, see our post on Factoring vs. Automated Reminders.

Option 3: Hard Collection / Legal Action

Passing the debt to a hard collection agency or filing a court claim (e.g., the EPU online payment order procedure).

• Cost: Agency fees are typically 10–25% of recovered amounts. EPU court fees are 1.25% of the claim (minimum 30 PLN).
• Effectiveness: High for unambiguous, undisputed debts. Lower for disputed amounts.
• Relationship impact: This ends the relationship in most cases. Use it when you have given up on future business with that client, or when the amount justifies it.
• Best suited for: Invoices significantly overdue (90+ days) where amicable recovery has failed.

Option 4: Automated Reminders

Automated reminder systems send professionally worded payment reminders by email and SMS at pre-set intervals - for example, a friendly note 3 days after the due date, a firmer message at 10 days, and a formal reminder at 20 days. The system monitors which invoices are paid and stops reminders immediately when payment is received. This approach is the foundation of automated invoice collection — turning overdue invoices into a managed, systematic process rather than an ad-hoc scramble.

• Cost: Terminovo starts at 49 PLN per month for the full reminder system - a fixed cost regardless of invoice volume or value.
• Effectiveness: Highly effective for the 60–70% of late payers who are simply slow or disorganised. Each reminder touches the client at the right time with the right tone, without you having to think about it.
• Relationship impact: Positive, when done correctly. Professional reminders with a consistent tone are far less awkward than an ad-hoc call from the owner. The client knows where they stand; you do not have to have an uncomfortable conversation.
• Scalability: Unlimited. Whether you have 5 or 500 overdue invoices, the system handles them all.

Comparison at a Glance

Option	Cost	Speed	Relationship impact	Best for
Manual follow-up	Time only	Slow	Variable	A few invoices, small teams
Factoring	1–3% per invoice/month	Immediate	Can be negative	Liquidity need now
Hard collection	10–25% of recovered	Weeks/months	Ends relationship	90+ days overdue, won't pay
Automated reminders	49 PLN/month fixed	Fast (day 1)	Professional, neutral	All carriers, all volumes

Terminovo: Automated Reminders Built for Polish B2B

Terminovo is a Polish SaaS tool designed specifically for the problem this guide describes: getting paid reliably and on time, without damaging the client relationships you depend on. A typical reminder sequence for a transport company looks like this.

How the Reminder Sequence Works

You set up a reminder sequence once - the timing, the tone, the channels (email and/or SMS). A typical sequence for a transport company might look like this:

1. Day +1 after due date: Friendly email reminder. Invoice number, amount, bank details. Tone: neutral, assumes good faith. See our polite payment reminder templates for wording that works.
2. Day +7: Follow-up email with SMS. Slightly firmer - notes that the invoice is now 7 days overdue and asks for confirmation of payment date.
3. Day +14: Formal written reminder. States the overdue amount including accrued statutory interest. Requests payment within 7 days.
4. Day +21: Final pre-legal reminder. Notes that further steps are being considered. Gives a final deadline.

When a client pays - at any stage - the reminder sequence for that invoice stops immediately. No awkward "sorry, we already paid" moments.

The Dashboard: Full Visibility Over Your Receivables

Terminovo gives you a single view of all outstanding invoices across all clients: who owes what, how long each invoice has been overdue, which reminder stage each client is at, and the total overdue amount at any point. For a transport company managing dozens of clients and hundreds of invoices per month, this visibility alone is valuable - separate from the reminder automation.

Preserving the Client Relationship

The core design principle behind Terminovo's reminder approach is that most clients who pay late are not bad debtors - they are disorganised or have internal approval processes that slow things down. A professional, calm, consistent reminder is not confrontational. It is a service to both parties: it reminds the client, helps them process the payment, and signals that you run a professional operation that tracks its receivables.

Carriers who have used automated reminders consistently report that the conversations about late payment become less frequent over time - clients learn that invoices from this carrier will be followed up, and they prioritise them accordingly.

Getting Started

Terminovo offers a free plan so you can test the system before committing. The paid plan starts at 49 PLN per month - a fraction of what a single factoring transaction costs on a mid-size freight invoice.

Practical Tips for Carriers: Protect Your Cash Flow from Day One

Legal rights and software tools are only useful if they are backed by solid operational practices. Here are the actions that make the biggest practical difference for carriers dealing with payment delays.

Vet Client Payment History Before Accepting Loads

Before accepting a significant load from a new freight forwarder or shipper, spend ten minutes on due diligence:

• Check the KRS (National Court Register) for any insolvency proceedings, restructuring, or recent changes in ownership that might signal financial distress.
• Ask within your professional network. Driver communities, carrier associations, and transport-focused Facebook groups in Poland are often the fastest sources of real-world payment reputation data.
• Check the UOKiK payment monitor if the client is a large enterprise subject to reporting requirements.
• Run a credit check through a commercial credit bureau (Coface, Euler Hermes, or Polish providers like Bisnode/Dun & Bradstreet) for high-value contracts.

The cost of a credit check on a potential client is trivial compared to the cost of chasing payment on a 50,000 PLN freight invoice for six months.

Set Clear Payment Terms in Every Contract

Do not rely on verbal agreements or assumptions about standard market terms. Every load confirmation or framework contract should specify:

• The exact payment term in calendar days
• The trigger event (delivery date, invoice receipt date, CMR return date)
• Your bank account details
• The interest rate that will apply on late payments (you can reference the statutory rate explicitly)
• The fixed compensation (40/70/100 EUR) that you will claim on any overdue invoice

Including the interest and compensation clause in your standard contract terms is both legally sound and psychologically effective - it signals that you know your rights and will enforce them.

Invoice Immediately After Delivery

Every hour between delivery and invoice issuance is an hour added to your payment cycle. Best practice:

• Have your driver photograph the signed CMR at delivery and send it directly to your accounts inbox.
• Issue the invoice the same day as delivery, or within 24 hours at the latest.
• If you are using KSeF, ensure your KSeF integration issues invoices automatically on delivery confirmation.

If your payment term is triggered by invoice receipt, issuing quickly is directly equivalent to getting paid sooner.

Use Automated Systems from Day One - Not as a Last Resort

The most common mistake carriers make is treating automated reminders as a "nuclear option" to deploy when things have already gone badly wrong. In practice, the opposite is true: automated reminders work best when they start early, on every invoice, as a matter of routine - not as a signal that you are angry.

When every invoice you issue is followed by a consistent, professional reminder sequence, late payment becomes less comfortable for the payer, not more. The key is that it is impersonal: it is the system, not you personally, following up. This protects the working relationship while enforcing your payment terms.

Maintain Complete Documentation

In any payment dispute, documentation wins. Build the habit of retaining:

• Signed CMR notes (originals or certified copies, plus digital photographs)
• Delivery confirmations (electronic or paper)
• All load confirmations and rate agreements
• Email and SMS communications about payment
• Records of telephone conversations (date, time, what was discussed, any commitments made)

Polish civil procedure allows electronic evidence. A WhatsApp message in which a client acknowledges a debt and promises to pay by a specific date is legally significant. Keep everything.

Know When to Escalate

Patience has a cost. The probability of recovering a debt drops sharply after 90 days. A rough rule of thumb used by professional collection specialists:

• 0–30 days overdue: Automated reminders, self-managed. Recovery rate ~90%.
• 30–60 days overdue: Escalate to formal written demand, include statutory interest and compensation claim. Prepare the document with the payment reminder generator. Recovery rate ~75%.
• 60–90 days overdue: Pre-legal notice. Consider engaging a collection specialist or filing an EPU payment order. Recovery rate ~55%.
• Over 90 days: Formal legal action or collection agency. Recovery rate drops to ~35% and below. Act now if you have not already.

The pattern is clear: the earlier you act, the more you recover. Waiting costs money.

Calculate the True Cost of Delays on Your Business

Late payments are not just an inconvenience - they have a quantifiable financial cost that most carriers underestimate. When you factor in the financing cost of the cash-flow gap, the time spent on manual follow-up, the interest you are legally entitled to but not claiming, and the fixed compensation you are leaving on the table, the true cost of accepting payment delays passively is significantly higher than most carriers realise.

Use our interest calculator to see exactly what statutory interest and fixed compensation you are entitled to on your current overdue invoices. The number may surprise you - and it is money you can claim right now, without a lawyer and without damaging a single client relationship.

Every overdue invoice in your ledger right now is money you are legally entitled to recover - principal, interest, and fixed compensation. Check what you are owed with the calculator below, then set up automated reminders so the next batch of invoices never reaches this stage.

Built for Businesses Dealing with Chronic Late Payers

Terminovo sends professional payment reminders in your name, at exactly the right intervals, for every freight invoice — so you stay at the front of every client's payment queue without the awkward phone calls. See pricing or learn how it works.