# Setting up installment payments

> Offering installment payments: set the amount and installments, get the customer's agreement, plan for delays and track the schedule.

Source : https://virement.tn/en/blog/setting-up-installment-payments — last updated : 2026-09-19

Offering payment in several installments can make the difference between a closed sale and a lost one. But a poorly framed schedule quickly becomes a source of non-payment. Here is how to set it up properly.

## 1. Decide what you agree to spread

Not everything can be spread. Set simple rules: from what amount? For which customers? Over what maximum duration? These rules avoid negotiating case by case and protect your cash flow.

## 2. Choose the number of installments and the frequency

The right compromise is the shortest schedule your customer can afford. On virement.tn, a plan has **from 2 to 36 installments**, monthly, quarterly or annual. Align the frequency with your customer's income (monthly for an employee, quarterly for a seasonal business, for example).

## 3. Get an explicit agreement

A schedule only has value if the customer has clearly accepted it: amount, number of installments, dates. On [virement.tn](/en/installment-payments), the customer validates the plan with their **validation code**, which makes their consent traceable.

## 4. Plan for delay *before* it happens

- **Possible penalty**: if you apply one, define it from the start (daily rate or fixed amount) and inform the customer.
- **Default threshold**: after how many days late is the plan considered in default?
- **Flexibility**: decide in advance whether you accept postponing an installment or revising its amount.

## 5. Make paying simple

Each installment must be easy to pay: a clear amount, a date, a safe destination RIB. With virement.tn, each installment is an invoice that the customer pays by a bank transfer from their bank, to your verified RIB — no card, no direct debit.

## 6. Track without spending your days on it

A schedule cannot be tracked by hand beyond a few files. You need a dashboard that shows what is paid, what is coming and what is late, and automatic reminders: the platform sends a reminder before the due date and follow-ups in case of delay.

## What virement.tn does not do

virement.tn **does not advance the money and does not grant credit**. It is you who decide to spread payments; the platform organizes and tracks the schedule. The customer can, if they wish, pay an installment early.

For a financing contract with collections tracking, see the [leasing](/en/leasing-tunisia) page. For installments that recur with no defined end (subscription, membership fee), see [recurring payments](/en/recurring-payments).

## Frequently asked questions

### Is an installment payment a loan?

Not necessarily. When the organization itself grants a payment schedule to its customer, it is a commercial arrangement and not credit granted by a financial institution. The rules that apply depend on your activity: if in doubt, seek professional advice.

### How many installments should you offer?

As few as possible while remaining manageable for the customer. The longer the schedule, the greater the risk of non-payment and the tracking workload.

### How can you be sure the customer has accepted the plan?

By obtaining explicit, recorded consent. On virement.tn, the customer validates the plan with their validation code.