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Invoice Payment Terms Generator

Write payment terms that are actually enforceable, not just polite.

Invoice Tools Reviews Free · no sign-up 
The result appears here

Quick Tool Overview

The Payment Terms Generator builds terms from clauses that actually do work — statutory late-payment interest, a dispute window, retention of title, a suspension right — numbered so a clause can be cited rather than described.

What it does
Writes enforceable payment terms
You give it
Your payment period, rates and notice periods
You get back
A numbered terms block ready to use
Best for
Replacing "please pay promptly"
Invoice Tools Free, unlimited use No sign-up Runs in your browser

About the Invoice Payment Terms Generator

"Please pay promptly" is not a payment term. It creates no deadline, no consequence and no right to anything, and when an invoice goes ninety days late it gives you nothing to point at. "Interest is charged under the Late Payment of Commercial Debts (Interest) Act 1998 at 8% above the Bank of England base rate" is a payment term, and the difference is entirely in whether the words do any work.

This builds a terms block from clauses that do. When payment is due, in any of five shapes. What happens when it is late, including the UK and EU statutory wording and flat or annual contractual rates. Early settlement discounts. How to pay and who bears the charges. A dispute window, so an unanswered query cannot postpone the whole invoice. Title and intellectual property retention until payment clears. And a suspension right, with notice.

The result is numbered, because a numbered clause is referable — "clause 3" is a far better conversation than "the bit about interest".

Key features of the Invoice Payment Terms Generator

Real statutory wording

The UK 1998 Act and the EU directive, quoted correctly.

A dispute window

So a query on one line cannot postpone the whole invoice.

Retention of title or IP

Goods, work and files stay yours until payment clears.

A suspension right

With notice — one of the most effective clauses a small supplier has.

Numbered clauses

"Clause 3" is a better conversation than "the bit about interest".

How to use the Invoice Payment Terms Generator

  1. 1

    Set the payment period

    Net days, end of month, in advance, or by stage.

  2. 2

    Choose a late-payment clause

    UK statutory, EU directive, or your own monthly or annual rate.

  3. 3

    Add a dispute window

    So a query on one line cannot postpone payment of the rest.

  4. 4

    Retain title or IP

    Goods, work or files stay yours until the invoice clears.

  5. 5

    Copy the numbered block

    Straight onto the invoice, into a quote, or into your contract.

Frequently asked questions

In the UK, statutory interest at 8% above the Bank of England base rate plus a fixed sum of £40, £70 or £100 on a commercial debt, whether or not your terms mention it. In the EU, 8 points above the ECB reference rate plus €40. Elsewhere it depends on your contract.

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