Can you postpone an already overdue installment on virement.tn?

Yes. An installment can be postponed to a new date even if it is already overdue; its number of days late is then reset to zero. Its amount can also be revised.

Does virement.tn recalculate the whole schedule after a postponement?

No. The postponement or revision acts on one installment at a time. The platform does not automatically reschedule the remaining balance over new installments: such a rescheduling remains to be decided and organized by the leasing company.

Does a postponement need to be formalized?

Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.

Postponing or revising a leasing installment

A lessee going through a temporary difficulty is not a lost lessee. Granting extra time can let you recover a rent installment that litigation would bring in neither faster nor more surely. But it must be done methodically.

Postponement, revision, penalty, default: don't mix everything up

Lever	What it is	When to use it
Postponement	Moving an installment's date	Temporary, dated cash-flow difficulty
Amount revision	Changing an installment's amount	Commercial agreement on a different amount
Penalty	Charging for the delay (daily rate or fixed amount)	If your contract provides for it and you want to apply it
Move to default	Considering the contract as defaulting beyond a delay threshold	Prolonged delay, opening of specific handling

These levers are not mutually exclusive, but order matters: postponing an installment and then applying a penalty for the postponed period sends the lessee a contradictory message.

Before granting a postponement: four questions

Is the difficulty temporary? A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.
Does the lessee have a reliable history? A customer who has always paid deserves a flexibility that a customer already chased several times does not necessarily deserve.
Is the new date realistic? A postponement without a credible commitment simply pushes the problem back.
How many postponements do you accept? Set a rule (for example once per contract) so you don't decide case by case under pressure.

What this looks like on virement.tn

Postponing an installment: you choose a new date, no earlier than today or the current due date if that is later. The installment's delay is reset to zero immediately.
Revising its amount: you change the installment's amount, including when it is already overdue.
Generating a penalty, if the contract provides for one and you configured a daily rate or fixed amount when creating it; it is issued as a separate invoice, linked to the contract.

An already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.

What the tool doesn't do for you

virement.tn does not automatically reschedule a remaining balance over new installments, and does not replace the amendment that formalizes the agreement. A postponement is an action on one installment; restructuring a contract in difficulty remains a decision for the leasing company.

Keep a record

Whatever solution you choose, document it: the date of the request, the reason, the decision, the new installment and the lessee's agreement. In the event of a later dispute, this is what protects both parties.

For the whole approach — reminders, follow-ups, default threshold, indicators — see the leasing rent collection method and the leasing page.