[{"data":1,"prerenderedAt":777},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment":3,"related:\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment":223},{"id":4,"title":5,"body":6,"category":199,"date":200,"description":201,"extension":202,"faq":203,"h1":213,"key":214,"meta":215,"navigation":216,"path":217,"rawbody":218,"readingTime":219,"seo":220,"stem":221,"updated":200,"__hash__":222},"blog_en\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment.md","Postponing or revising a leasing installment",{"type":7,"value":8,"toc":189},"minimark",[9,13,18,94,97,101,129,133,154,157,161,168,172,175],[10,11,12],"p",{},"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.",[14,15,17],"h2",{"id":16},"postponement-revision-penalty-default-dont-mix-everything-up","Postponement, revision, penalty, default: don't mix everything up",[19,20,21,37],"table",{},[22,23,24],"thead",{},[25,26,27,31,34],"tr",{},[28,29,30],"th",{},"Lever",[28,32,33],{},"What it is",[28,35,36],{},"When to use it",[38,39,40,55,68,81],"tbody",{},[25,41,42,49,52],{},[43,44,45],"td",{},[46,47,48],"strong",{},"Postponement",[43,50,51],{},"Moving an installment's date",[43,53,54],{},"Temporary, dated cash-flow difficulty",[25,56,57,62,65],{},[43,58,59],{},[46,60,61],{},"Amount revision",[43,63,64],{},"Changing an installment's amount",[43,66,67],{},"Commercial agreement on a different amount",[25,69,70,75,78],{},[43,71,72],{},[46,73,74],{},"Penalty",[43,76,77],{},"Charging for the delay (daily rate or fixed amount)",[43,79,80],{},"If your contract provides for it and you want to apply it",[25,82,83,88,91],{},[43,84,85],{},[46,86,87],{},"Move to default",[43,89,90],{},"Considering the contract as defaulting beyond a delay threshold",[43,92,93],{},"Prolonged delay, opening of specific handling",[10,95,96],{},"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.",[14,98,100],{"id":99},"before-granting-a-postponement-four-questions","Before granting a postponement: four questions",[102,103,104,111,117,123],"ol",{},[105,106,107,110],"li",{},[46,108,109],{},"Is the difficulty temporary?"," A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.",[105,112,113,116],{},[46,114,115],{},"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.",[105,118,119,122],{},[46,120,121],{},"Is the new date realistic?"," A postponement without a credible commitment simply pushes the problem back.",[105,124,125,128],{},[46,126,127],{},"How many postponements do you accept?"," Set a rule (for example once per contract) so you don't decide case by case under pressure.",[14,130,132],{"id":131},"what-this-looks-like-on-virementtn","What this looks like on virement.tn",[134,135,136,142,148],"ul",{},[105,137,138,141],{},[46,139,140],{},"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.",[105,143,144,147],{},[46,145,146],{},"Revising its amount",": you change the installment's amount, including when it is already overdue.",[105,149,150,153],{},[46,151,152],{},"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.",[10,155,156],{},"An already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.",[14,158,160],{"id":159},"what-the-tool-doesnt-do-for-you","What the tool doesn't do for you",[10,162,163,164,167],{},"virement.tn ",[46,165,166],{},"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.",[14,169,171],{"id":170},"keep-a-record","Keep a record",[10,173,174],{},"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.",[10,176,177,178,183,184,188],{},"For the whole approach — reminders, follow-ups, default threshold, indicators — see the ",[179,180,182],"a",{"href":181},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","leasing rent collection method"," and the ",[179,185,187],{"href":186},"\u002Fen\u002Fleasing-tunisia","leasing"," page.",{"title":190,"searchDepth":191,"depth":191,"links":192},"",3,[193,195,196,197,198],{"id":16,"depth":194,"text":17},2,{"id":99,"depth":194,"text":100},{"id":131,"depth":194,"text":132},{"id":159,"depth":194,"text":160},{"id":170,"depth":194,"text":171},"Leasing","2026-09-19","When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.","md",[204,207,210],{"q":205,"a":206},"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.",{"q":208,"a":209},"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.",{"q":211,"a":212},"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.",null,"reporter-ou-reviser-une-echeance-de-leasing",{},true,"\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","---\nkey: \"reporter-ou-reviser-une-echeance-de-leasing\"\ntitle: \"Postponing or revising a leasing installment\"\ndescription: \"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"Can you postpone an already overdue installment on virement.tn?\"\n    a: \"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.\"\n  - q: \"Does virement.tn recalculate the whole schedule after a postponement?\"\n    a: \"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.\"\n  - q: \"Does a postponement need to be formalized?\"\n    a: \"Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.\"\n---\n\nA 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.\n\n## Postponement, revision, penalty, default: don't mix everything up\n\n| Lever | What it is | When to use it |\n| --- | --- | --- |\n| **Postponement** | Moving an installment's date | Temporary, dated cash-flow difficulty |\n| **Amount revision** | Changing an installment's amount | Commercial agreement on a different amount |\n| **Penalty** | Charging for the delay (daily rate or fixed amount) | If your contract provides for it and you want to apply it |\n| **Move to default** | Considering the contract as defaulting beyond a delay threshold | Prolonged delay, opening of specific handling |\n\nThese 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.\n\n## Before granting a postponement: four questions\n\n1. **Is the difficulty temporary?** A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.\n2. **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.\n3. **Is the new date realistic?** A postponement without a credible commitment simply pushes the problem back.\n4. **How many postponements do you accept?** Set a rule (for example once per contract) so you don't decide case by case under pressure.\n\n## What this looks like on virement.tn\n\n- **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.\n- **Revising its amount**: you change the installment's amount, including when it is already overdue.\n- **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.\n\nAn already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.\n\n## What the tool doesn't do for you\n\nvirement.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.\n\n## Keep a record\n\nWhatever 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.\n\nFor the whole approach — reminders, follow-ups, default threshold, indicators — see the [leasing rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) and the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",5,{"title":5,"description":201},"en\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","Nw_Owrk7B_MuwP_DAK-jGbqabf_X6OQcZ1Zv9qWpP0A",[224,419,603],{"id":225,"title":226,"body":227,"category":199,"date":200,"description":401,"extension":202,"faq":402,"h1":213,"key":412,"meta":413,"navigation":216,"path":414,"rawbody":415,"readingTime":219,"seo":416,"stem":417,"updated":200,"__hash__":418},"blog_en\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia.md","Leasing in Tunisia: how does it work?",{"type":7,"value":228,"toc":393},[229,232,236,251,255,275,279,311,315,318,332,343,347,350,380,384],[10,230,231],{},"Leasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.",[14,233,235],{"id":234},"the-principle","The principle",[10,237,238,239,242,243,246,247,250],{},"A ",[46,240,241],{},"leasing company"," buys an asset chosen by its customer and makes it available for a set period, in return for regular ",[46,244,245],{},"rent",". During the contract, the asset belongs to the leasing company; the customer, called the ",[46,248,249],{},"lessee",", uses it.",[14,252,254],{"id":253},"the-parties","The parties",[134,256,257,263,269],{},[105,258,259,262],{},[46,260,261],{},"The leasing company"," (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.",[105,264,265,268],{},[46,266,267],{},"The lessee",": a business, a professional or sometimes an individual, who uses the asset and pays the rent.",[105,270,271,274],{},[46,272,273],{},"The supplier",": the one who sells the asset to the leasing company.",[14,276,278],{"id":277},"how-a-contract-unfolds","How a contract unfolds",[102,280,281,287,293,299,305],{},[105,282,283,286],{},[46,284,285],{},"Choosing the asset."," The customer selects the equipment from a supplier.",[105,288,289,292],{},[46,290,291],{},"The financing agreement."," The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.",[105,294,295,298],{},[46,296,297],{},"Purchase and handover."," The leasing company buys the asset and hands it over to the lessee.",[105,300,301,304],{},[46,302,303],{},"The rent."," The lessee pays each installment — most often monthly or quarterly — throughout the contract.",[105,306,307,310],{},[46,308,309],{},"End of the contract."," Depending on its terms: exercising a purchase option, returning the asset, or renewal.",[14,312,314],{"id":313},"where-tracking-gets-difficult-for-the-leasing-company","Where tracking gets difficult for the leasing company",[10,316,317],{},"A leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:",[134,319,320,323,326,329],{},[105,321,322],{},"which installments are coming, and which have been paid;",[105,324,325],{},"which lessees are late, and for how long;",[105,327,328],{},"who to chase, and when;",[105,330,331],{},"what amount is really at risk.",[10,333,334,335,338,339,342],{},"Doing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why ",[46,336,337],{},"collections"," has become a profession in its own right in leasing; our article on the ",[179,340,341],{"href":181},"rent collection method"," details the steps.",[14,344,346],{"id":345},"what-the-lessee-should-check-before-signing","What the lessee should check before signing",[10,348,349],{},"Without replacing professional advice, a few points deserve a careful reading of the contract:",[134,351,352,359,365,371,377],{},[105,353,354,355,358],{},"the ",[46,356,357],{},"total amount"," paid over the whole duration, not only the monthly rent;",[105,360,354,361,364],{},[46,362,363],{},"frequency"," and the due dates;",[105,366,354,367,370],{},[46,368,369],{},"consequences of a delay"," (penalties, forfeiture threshold);",[105,372,354,373,376],{},[46,374,375],{},"end-of-contract conditions"," (purchase option, return);",[105,378,379],{},"the costs that remain the lessee's responsibility (insurance, maintenance).",[14,381,383],{"id":382},"where-virementtn-fits-in","Where virement.tn fits in",[10,385,386,387,390,391,188],{},"virement.tn finances nothing: the platform helps leasing companies ",[46,388,389],{},"collect rent by bank transfer and track collections"," — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the ",[179,392,187],{"href":186},{"title":190,"searchDepth":191,"depth":191,"links":394},[395,396,397,398,399,400],{"id":234,"depth":194,"text":235},{"id":253,"depth":194,"text":254},{"id":277,"depth":194,"text":278},{"id":313,"depth":194,"text":314},{"id":345,"depth":194,"text":346},{"id":382,"depth":194,"text":383},"Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.",[403,406,409],{"q":404,"a":405},"What is the difference between leasing and a standard loan?","In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.",{"q":407,"a":408},"What happens at the end of a leasing contract?","It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.",{"q":410,"a":411},"Is virement.tn a leasing company?","No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.","leasing-tunisie-comment-ca-marche",{},"\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia","---\nkey: \"leasing-tunisie-comment-ca-marche\"\ntitle: \"Leasing in Tunisia: how does it work?\"\ndescription: \"Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"What is the difference between leasing and a standard loan?\"\n    a: \"In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.\"\n  - q: \"What happens at the end of a leasing contract?\"\n    a: \"It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.\"\n  - q: \"Is virement.tn a leasing company?\"\n    a: \"No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.\"\n---\n\nLeasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.\n\n## The principle\n\nA **leasing company** buys an asset chosen by its customer and makes it available for a set period, in return for regular **rent**. During the contract, the asset belongs to the leasing company; the customer, called the **lessee**, uses it.\n\n## The parties\n\n- **The leasing company** (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.\n- **The lessee**: a business, a professional or sometimes an individual, who uses the asset and pays the rent.\n- **The supplier**: the one who sells the asset to the leasing company.\n\n## How a contract unfolds\n\n1. **Choosing the asset.** The customer selects the equipment from a supplier.\n2. **The financing agreement.** The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.\n3. **Purchase and handover.** The leasing company buys the asset and hands it over to the lessee.\n4. **The rent.** The lessee pays each installment — most often monthly or quarterly — throughout the contract.\n5. **End of the contract.** Depending on its terms: exercising a purchase option, returning the asset, or renewal.\n\n## Where tracking gets difficult for the leasing company\n\nA leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:\n\n- which installments are coming, and which have been paid;\n- which lessees are late, and for how long;\n- who to chase, and when;\n- what amount is really at risk.\n\nDoing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why **collections** has become a profession in its own right in leasing; our article on the [rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) details the steps.\n\n## What the lessee should check before signing\n\nWithout replacing professional advice, a few points deserve a careful reading of the contract:\n\n- the **total amount** paid over the whole duration, not only the monthly rent;\n- the **frequency** and the due dates;\n- the **consequences of a delay** (penalties, forfeiture threshold);\n- the **end-of-contract conditions** (purchase option, return);\n- the costs that remain the lessee's responsibility (insurance, maintenance).\n\n## Where virement.tn fits in\n\nvirement.tn finances nothing: the platform helps leasing companies **collect rent by bank transfer and track collections** — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",{"title":226,"description":401},"en\u002Fblog\u002Fhow-leasing-works-in-tunisia","DKeV7unOfNvYJXnZAlJ_eISXy5FG2Vn6Jy2atyR5uqg",{"id":420,"title":421,"body":422,"category":199,"date":200,"description":585,"extension":202,"faq":586,"h1":213,"key":596,"meta":597,"navigation":216,"path":181,"rawbody":598,"readingTime":599,"seo":600,"stem":601,"updated":200,"__hash__":602},"blog_en\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia.md","Leasing rent collection in Tunisia: the method",{"type":7,"value":423,"toc":575},[424,431,435,438,447,454,458,465,469,476,480,500,504,550,557,561,568],[10,425,426,427,430],{},"Collecting leasing rent does not start on the day of the delay: it starts at the ",[46,428,429],{},"creation of the contract",", when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.",[14,432,434],{"id":433},"_1-start-from-a-reliable-schedule","1. Start from a reliable schedule",[10,436,437],{},"Each contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.",[14,439,441,442,446],{"id":440},"_2-remind-before-the-due-date","2. Remind ",[443,444,445],"em",{},"before"," the due date",[10,448,449,450,453],{},"A large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, ",[46,451,452],{},"three days before"," — costs almost nothing and avoids part of the delays.",[14,455,457],{"id":456},"_3-detect-the-delay-the-very-next-day","3. Detect the delay the very next day",[10,459,460,461,464],{},"Don't discover a delay at month end. The delay must be calculated ",[46,462,463],{},"every day",", per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.",[14,466,468],{"id":467},"_4-follow-up-in-steps","4. Follow up in steps",[10,470,471,472,475],{},"A single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: ",[46,473,474],{},"a follow-up must not be sent twice"," for the same step.",[14,477,479],{"id":478},"_5-frame-it-with-penalties-and-a-default-threshold","5. Frame it with penalties and a default threshold",[134,481,482,488,494],{},[105,483,484,487],{},[46,485,486],{},"The late-payment penalty",", if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.",[105,489,490,493],{},[46,491,492],{},"The default threshold",": after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).",[105,495,496,499],{},[46,497,498],{},"Flexibility",": postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.",[14,501,503],{"id":502},"_6-steer-with-four-indicators","6. Steer with four indicators",[19,505,506,516],{},[22,507,508],{},[25,509,510,513],{},[28,511,512],{},"Indicator",[28,514,515],{},"Question it answers",[38,517,518,526,534,542],{},[25,519,520,523],{},[43,521,522],{},"Collection rate",[43,524,525],{},"What share of what is due has been collected?",[25,527,528,531],{},[43,529,530],{},"Weighted average delay",[43,532,533],{},"What is the average age of delays, taking amounts into account?",[25,535,536,539],{},[43,537,538],{},"Overdue installments",[43,540,541],{},"How many, and for what amounts?",[25,543,544,547],{},[43,545,546],{},"At-risk contracts",[43,548,549],{},"Which ones should be handled first?",[10,551,552,553,556],{},"The average delay ",[443,554,555],{},"weighted by amount"," prevents a small, very late rent installment from masking a large, slightly late one.",[14,558,560],{"id":559},"what-this-looks-like-with-virementtn","What this looks like with virement.tn",[10,562,563,564,567],{},"This is exactly the mechanism of ",[179,565,566],{"href":186},"virement.tn for leasing",": a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.",[10,569,570,571,188],{},"Want to understand the logic of installments themselves? See the ",[179,572,574],{"href":573},"\u002Fen\u002Finstallment-payments","installment payments",{"title":190,"searchDepth":191,"depth":191,"links":576},[577,578,580,581,582,583,584],{"id":433,"depth":194,"text":434},{"id":440,"depth":194,"text":579},"2. Remind before the due date",{"id":456,"depth":194,"text":457},{"id":467,"depth":194,"text":468},{"id":478,"depth":194,"text":479},{"id":502,"depth":194,"text":503},{"id":559,"depth":194,"text":560},"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.",[587,590,593],{"q":588,"a":589},"When should you chase a late lessee?","As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.",{"q":591,"a":592},"Which indicators should you track to steer collections?","The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.",{"q":594,"a":595},"Should a penalty be applied for every delay?","It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.","recouvrement-loyers-leasing-tunisie",{},"---\nkey: \"recouvrement-loyers-leasing-tunisie\"\ntitle: \"Leasing rent collection in Tunisia: the method\"\ndescription: \"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 6\nfaq:\n  - q: \"When should you chase a late lessee?\"\n    a: \"As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.\"\n  - q: \"Which indicators should you track to steer collections?\"\n    a: \"The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.\"\n  - q: \"Should a penalty be applied for every delay?\"\n    a: \"It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.\"\n---\n\nCollecting leasing rent does not start on the day of the delay: it starts at the **creation of the contract**, when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.\n\n## 1. Start from a reliable schedule\n\nEach contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.\n\n## 2. Remind *before* the due date\n\nA large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, **three days before** — costs almost nothing and avoids part of the delays.\n\n## 3. Detect the delay the very next day\n\nDon't discover a delay at month end. The delay must be calculated **every day**, per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.\n\n## 4. Follow up in steps\n\nA single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: **a follow-up must not be sent twice** for the same step.\n\n## 5. Frame it with penalties and a default threshold\n\n- **The late-payment penalty**, if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.\n- **The default threshold**: after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).\n- **Flexibility**: postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.\n\n## 6. Steer with four indicators\n\n| Indicator | Question it answers |\n| --- | --- |\n| Collection rate | What share of what is due has been collected? |\n| Weighted average delay | What is the average age of delays, taking amounts into account? |\n| Overdue installments | How many, and for what amounts? |\n| At-risk contracts | Which ones should be handled first? |\n\nThe average delay *weighted by amount* prevents a small, very late rent installment from masking a large, slightly late one.\n\n## What this looks like with virement.tn\n\nThis is exactly the mechanism of [virement.tn for leasing](\u002Fen\u002Fleasing-tunisia): a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.\n\nWant to understand the logic of installments themselves? See the [installment payments](\u002Fen\u002Finstallment-payments) page.\n",6,{"title":421,"description":585},"en\u002Fblog\u002Fleasing-rent-collection-tunisia","_oX4hs2-9HzjlD5pJXgVBTdrMm8xUXoKuOXT45dQygA",{"id":604,"title":605,"body":606,"category":757,"date":200,"description":758,"extension":202,"faq":759,"h1":769,"key":770,"meta":771,"navigation":216,"path":772,"rawbody":773,"readingTime":219,"seo":774,"stem":775,"updated":200,"__hash__":776},"blog_en\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit.md","Recurring payments without direct debit",{"type":7,"value":607,"toc":750},[608,611,618,620,651,659,663,689,693,707,711,737,741],[10,609,610],{},"When people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.",[10,612,613,614,617],{},"There is another approach: ",[46,615,616],{},"a subscription that generates the invoices, and a bank transfer from the customer at each due date",".",[14,619,235],{"id":234},[102,621,622,628,635,642,645],{},[105,623,238,624,627],{},[46,625,626],{},"subscription"," is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.",[105,629,630,631,634],{},"At each due date, an ",[46,632,633],{},"invoice"," is issued automatically, on its date.",[105,636,637,638,641],{},"The customer ",[46,639,640],{},"pays it by bank transfer"," from their bank.",[105,643,644],{},"The bank confirms, the invoice moves to “paid”, the issuer is notified.",[105,646,647,648,617],{},"If nothing arrives, the delay is detected and the customer is ",[46,649,650],{},"chased",[10,652,653,654,658],{},"This is how ",[179,655,657],{"href":656},"\u002Fen\u002Frecurring-payments","virement.tn recurring payments"," work: up to 24 installments can be generated in advance, and the customer is notified at each due date.",[14,660,662],{"id":661},"the-advantages","The advantages",[134,664,665,671,677,683],{},[105,666,667,670],{},[46,668,669],{},"No sensitive data to store",": no card number, no direct-debit mandate. Only the destination RIB is involved.",[105,672,673,676],{},[46,674,675],{},"The customer stays in control",": they trigger each payment and can suspend their subscription.",[105,678,679,682],{},[46,680,681],{},"A payment attached to an invoice",": no more manual reconciliation.",[105,684,685,688],{},[46,686,687],{},"Usable without any specific banking arrangement"," on the organization's part.",[14,690,692],{"id":691},"the-limits-honestly","The limits, honestly",[134,694,695,701],{},[105,696,697,700],{},[46,698,699],{},"Payment is not guaranteed on the date."," If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.",[105,702,703,706],{},[46,704,705],{},"Less suited"," to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.",[14,708,710],{"id":709},"good-practices","Good practices",[134,712,713,719,725,731],{},[105,714,715,718],{},[46,716,717],{},"Remind before the due date",": a simple reminder avoids a good share of oversights.",[105,720,721,724],{},[46,722,723],{},"Set a ceiling"," on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.",[105,726,727,730],{},[46,728,729],{},"Set the delay rules in advance",": tolerance period, follow-ups, consequence of prolonged non-payment.",[105,732,733,736],{},[46,734,735],{},"Choose the right frequency",": monthly for current charges, quarterly or annual for premiums and membership fees.",[14,738,740],{"id":739},"when-to-prefer-an-installment-plan","When to prefer an installment plan?",[10,742,743,744,747,748,617],{},"If the total is known and must be settled in a defined number of installments, an ",[179,745,746],{"href":573},"installment payment plan"," is better suited: it has a start, an end and a total amount. For financing contracts, see ",[179,749,187],{"href":186},{"title":190,"searchDepth":191,"depth":191,"links":751},[752,753,754,755,756],{"id":234,"depth":194,"text":235},{"id":661,"depth":194,"text":662},{"id":691,"depth":194,"text":692},{"id":709,"depth":194,"text":710},{"id":739,"depth":194,"text":740},"Recurring payments","Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.",[760,763,766],{"q":761,"a":762},"Can you make a recurring payment without debiting the customer's account?","Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.",{"q":764,"a":765},"What is the main drawback of a recurring transfer?","Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.",{"q":767,"a":768},"Can the customer stop the subscription?","On virement.tn, yes: they can suspend their subscription from their space.","Recurring payments without direct debit: how it works","paiement-recurrent-sans-prelevement-automatique",{},"\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit","---\nkey: \"paiement-recurrent-sans-prelevement-automatique\"\ntitle: \"Recurring payments without direct debit\"\nh1: \"Recurring payments without direct debit: how it works\"\ndescription: \"Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Recurring payments\"\nreadingTime: 5\nfaq:\n  - q: \"Can you make a recurring payment without debiting the customer's account?\"\n    a: \"Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.\"\n  - q: \"What is the main drawback of a recurring transfer?\"\n    a: \"Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.\"\n  - q: \"Can the customer stop the subscription?\"\n    a: \"On virement.tn, yes: they can suspend their subscription from their space.\"\n---\n\nWhen people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.\n\nThere is another approach: **a subscription that generates the invoices, and a bank transfer from the customer at each due date**.\n\n## The principle\n\n1. A **subscription** is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.\n2. At each due date, an **invoice** is issued automatically, on its date.\n3. The customer **pays it by bank transfer** from their bank.\n4. The bank confirms, the invoice moves to “paid”, the issuer is notified.\n5. If nothing arrives, the delay is detected and the customer is **chased**.\n\nThis is how [virement.tn recurring payments](\u002Fen\u002Frecurring-payments) work: up to 24 installments can be generated in advance, and the customer is notified at each due date.\n\n## The advantages\n\n- **No sensitive data to store**: no card number, no direct-debit mandate. Only the destination RIB is involved.\n- **The customer stays in control**: they trigger each payment and can suspend their subscription.\n- **A payment attached to an invoice**: no more manual reconciliation.\n- **Usable without any specific banking arrangement** on the organization's part.\n\n## The limits, honestly\n\n- **Payment is not guaranteed on the date.** If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.\n- **Less suited** to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.\n\n## Good practices\n\n- **Remind before the due date**: a simple reminder avoids a good share of oversights.\n- **Set a ceiling** on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.\n- **Set the delay rules in advance**: tolerance period, follow-ups, consequence of prolonged non-payment.\n- **Choose the right frequency**: monthly for current charges, quarterly or annual for premiums and membership fees.\n\n## When to prefer an installment plan?\n\nIf the total is known and must be settled in a defined number of installments, an [installment payment plan](\u002Fen\u002Finstallment-payments) is better suited: it has a start, an end and a total amount. For financing contracts, see [leasing](\u002Fen\u002Fleasing-tunisia).\n",{"title":605,"description":758},"en\u002Fblog\u002Frecurring-payments-without-direct-debit","Ix56Mqk4jvo1ZZuE6vHzvtcZdE6eLVv6LmMcoTrhGaw",1789922122393]