Loading...
Invoice overdue? Start here.
Client hasn't paid? See how much they actually owe you now.
Calculator: what your client actually owes you
Enter the invoice amount and due date — in seconds you'll see the statutory interest and compensation you're legally owed on top. Then get a ready-to-send payment demand letter.
What to do today about an invoice that's already overdue
Four steps you can take right now — before you pick up the phone or call a lawyer.
- 1
Send a polite reminder with a payment link. Most clients simply forgot — a link they can pay in 30 seconds often settles it without an awkward call.
- 2
Still quiet after a few days? Send a firmer reminder with the interest already calculated. A specific number lands harder than another “please”.
- 3
Still no response? Issue a formal payment demand letter with a deadline and legal basis. It's the first document a debtor takes seriously — and one that matters if things escalate.
- 4
Keep every message and reminder in one documented history. If this ever reaches a lawyer or a collection agency, a complete record speeds up the whole process.
You're already chasing this one. What about the next?
This invoice is already overdue — that part's done. But the next 50 don't have to go the same way. Terminovo sends reminders before the due date (one day ahead), then automatically at day 1, 3, 7, 14 and 30 overdue — with a payment link in every message. No commission on money recovered: unlike a collection agency, you pay a flat subscription, no matter how much comes back.
Try Terminovo for freeHow does automated invoice payment recovery work in Terminovo?
1
Connect your invoices. Import directly from KSeF or upload a CSV file — no retyping, no manual entry. Terminovo immediately identifies every open invoice and starts monitoring payment due dates.
2
The system monitors payment deadlines for every invoice, automatically. You always know what has been paid, what is due today, and what is already overdue — without opening a spreadsheet.
3
When a due date approaches or passes, Terminovo sends SMS and email reminders with a direct payment link. Clients pay via BLIK, card, or bank transfer in 30 seconds — directly from the message, no account numbers to find.
4
If the invoice is still unpaid, escalation kicks in automatically: D-1, D+1, D+3, D+7, D+14, D+30. Every reminder in the sequence includes a payment link. The system stops the moment the client pays.
Why automate invoice payment recovery?
Every day a payment is late, real money sits frozen in outstanding invoices. Automated payment recovery isn't a luxury. It's quickly becoming the baseline for businesses that want to grow without the cash flow headaches.
Save hours every week
Manually tracking overdue invoices is tedious, repetitive work. Terminovo takes it off your plate entirely, sending reminders, tracking responses, and escalating without you lifting a finger. Get your time back for the work that actually moves your business forward.
Get paid faster
We send the first reminder a full day before the due date, before the invoice even becomes overdue. Every reminder includes a fast payment link, because the easier it is to pay, the sooner clients do.
Protect your client relationships
Chasing payments doesn't have to be awkward or aggressive. Our reminders are polite, professionally worded, and sent at exactly the right moment. Clients feel informed, not hounded. Your business relationships stay intact.
Always know where your money stands
The dashboard gives you an instant snapshot: which invoices are paid, which are waiting, and which are overdue by how many days. No more digging through spreadsheets or hunting through your inbox. Everything's in one place.
Every outstanding invoice, in one place
The Terminovo dashboard gives you the full picture: which invoices are paid, which are waiting, and which need attention. You can see the full history of every reminder sent, and which reminders you've paused after a client's promise to pay. No more inbox chaos. This is invoice payment recovery under control.
app.terminovo.pl
Old-school invoice chasing vs. Terminovo
Without Terminovo
- Manually checking which invoices haven't been paid, eating up hours every week
- Writing each follow-up individually because every client situation feels different
- No visibility on whether the client even saw your message. Zero feedback loop.
- Escalation happens late or not at all, because there's no consistent process
- Overdue invoices drag on for months with no one consistently following up
With Terminovo
- The system monitors all invoices and due dates automatically. You have a live view, 24/7.
- SMS and email reminders go out automatically, branded with your logo and professional tone
- See who opened the email, who clicked the payment link, and when payment came through
- Escalation follows a set schedule (D-1, D+1, D+3, D+7, D+14, D+30) with no input from you
- When a client promises to pay, you can pause their reminders with one click — for a set number of days or indefinitely
FAQ
How is Terminovo different from a traditional debt recovery agency?
Traditional debt recovery typically means legal pressure or third-party collectors, stressful for both sides and expensive. Terminovo is soft, automated payment reminders: professional reminders that work before things get serious. You recover what you're owed, keep the client relationship, and pay no commission.
How quickly can I get started?
You can set up an account in minutes and start uploading invoices right away. Integrations with accounting and invoicing tools let you import existing invoices automatically. Your first reminder can go out to a client today.
What if a client ignores all the reminders?
The system escalates automatically on a fixed schedule. Reminders go out every few days, up to 30 days past the due date. If a client tells you they'll pay later, you can pause reminders for that invoice with one click — for a set number of days or indefinitely. If the invoice still goes unpaid, you'll have a full documented communication history that can support any further steps you choose to take.
Does Terminovo integrate with my invoicing software?
If you issue KSeF invoices in another system, you can sync them from KSeF directly into Terminovo. We also support CSV/Excel file import and manual entry.
How much does Terminovo cost?
You can start for free. The Free plan includes 3 KSeF invoices per month, no card required. Need more invoices without reminders? Invoices Only gives you 75 invoices for PLN 29/mo. Want automated client reminders too? Plans start at Starter (reminders for up to 15 invoices/mo / PLN 49/mo), Professional (up to 75 invoices/mo / PLN 119/mo), and Business (unlimited / PLN 499/mo). Clients are unlimited on every plan. Cancel anytime. KSeF invoicing is included in every plan.
Stop chasing payments. Start recovering them automatically.
Join businesses that have ditched the manual invoice follow-up grind. Set up your account in 3 minutes. Your first reminder can go out today.
Try Terminovo for freeRelated pages
Payment Demand
When reminders are not enough - issue a formal payment demand.
Learn moreStatutory Interest for Late Payment
Current statutory interest rates and how to calculate them.
Learn moreB2B Debt Collection
The full B2B receivables process - from reminders to enforcement.
Learn morePayment Reminder Generator
Generate a formal payment demand letter in seconds.
Learn moreClient Not Paying — What to Do
A concrete step-by-step plan for when an invoice is unpaid right now.
Learn more