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How Terminovo Works
Four simple steps to automate your payment recovery and reduce overdue invoices. No setup fees, no contracts, just faster payments.
Start for free1Step 1
Create or Import Your Invoices
Create invoices directly in Terminovo or transfer existing ones from any invoicing tool. No migration required. Use Terminovo standalone or alongside your current system.
Built-in invoicing
Create clients, define services, and issue invoices directly in Terminovo. No external tool needed. Everything from invoicing to payment recovery in one place.
Upload invoices from any system
Already using another invoicing tool? Export your invoices and upload the file. The system recognizes your data automatically.
Automatic synchronization
New invoices appear in Terminovo automatically. Payment status updates in real-time when clients pay through your invoicing tool.
app.terminovo.pl
2Step 2
Automatic Reminders Sent
Terminovo sends reminders via SMS and email based on how overdue the invoice is. The tone escalates gradually, from friendly to neutral to firm. You stay hands-off unless a client responds.
Escalating tone based on overdue days
First reminder is polite. Second is firmer. Third includes formal notice. Each message is tailored to the invoice age and client history.
SMS with embedded BLIK payment link
Every SMS includes a direct BLIK payment link. Clients can pay instantly from their phone without logging in or searching for bank details.
Reminders pause automatically when promised
If a client picks a promise-to-pay date, Terminovo stops sending reminders until that date. No need to manually pause campaigns or field unnecessary messages.
app.terminovo.pl
3Step 3
Payment or Promise-to-Pay
Clients can pay directly via BLIK or promise a specific payment date. When they commit to a date, reminders pause automatically. You get visibility into who's paying, who's promising, and who needs escalation.
One-click BLIK payment
Clients click the link in the SMS, enter their BLIK code, and the payment is done. Funds settle to your account, and the invoice is marked as paid.
Promise-to-pay feature
Clients pick a date they'll pay by. Terminovo pauses reminders until that date, reducing friction and maintaining goodwill with late-paying customers.
Automatic escalation if promise is broken
If the promised date passes without payment, Terminovo resumes reminders with a firmer tone. No manual follow-up required.
app.terminovo.pl
4Step 4
Dashboard and Results
Track every overdue invoice in one place. See which clients paid, which promised dates, and which need escalation. See how much faster you're getting paid.
Real-time payment recovery dashboard
See all overdue invoices, reminder history, payment status, and promised dates in a single view. Filter by client, amount, or overdue period.
Payment speed tracking
Terminovo tracks how your average payment wait time improves. Watch your cash flow accelerate as clients pay faster than before.
Pay only when it works
Use the Free tier for KSeF and overdue visibility. Enable client reminders with Starter, Professional, or Business plans as your invoice volume grows.
app.terminovo.pl
REMINDER ESCALATION
How do payment reminders escalate?
The system automatically adjusts the message tone, from a friendly reminder to a formal payment demand.
1
BEFORE DUE DATE
Friendly reminder
A gentle message about an approaching payment deadline. Sent via email and SMS with a built-in link for quick payment via BLIK or card.
2
PAST DUE
Firm reminder
A clear notice that the payment deadline has passed. The system follows up at shorter intervals with a more direct call to action.
3
NO RESPONSE
Formal payment demand
An official payment demand with information about possible consequences. The final step of automated reminders before further action.
At any stage, the client can use the "promise to pay" option to choose a new payment date, which automatically pauses reminders. Learn more about promise to pay β
RESULTS AT A GLANCE
Monitor payment recovery in one dashboard
The Terminovo dashboard shows exactly what's happening with your invoices: who paid, who promised to pay, and where your attention is needed.
Reduced waiting time
See how much faster you receive payments after enabling automated reminders.
Payment promises
Check which clients committed to a payment date and whether they kept their word.
Client ranking
Identify clients who pay on time, and those who need extra attention.
Frequently asked questions
How does the system know when to send a reminder?
Terminovo reads the payment due date directly from the invoice β from KSeF or your uploaded invoice list. You set how many days before and after the due date reminders should go out, and the system handles the schedule for you.
Can I change the reminder text?
Yes. Every message β email and SMS β has a default template, but you can edit it freely. You can write in your own style, add your company logo to emails, or set different messages for different reminder stages.
What happens if the client still doesn't pay after all reminders?
The system generates a formal payment demand β a document with full invoice details that you can send by email or print. Further steps, like legal action, are up to you β Terminovo provides the ready documentation.
Do I need to integrate with invoicing software?
No. If you use KSeF, Terminovo will pull invoices automatically. If you use another program, just export your invoice list and upload it to Terminovo β this is a standard option in most Polish accounting systems.
Ready to Automate Your Payment Recovery?
Start free today. No credit card required. Connect your invoicing tool and send your first reminder in 5 minutes.
Start for free