Free tool
Pick the terms you actually operate and get plain wording you can copy onto your invoice or quotation. Most payment disputes are wording disputes, and the sentences below are the ones people wish they had written before the due date passed.
Terms wording
Payment is due within 14 calendar days of the invoice date, by the due date shown above.
Please quote the invoice number shown above as the payment reference so the payment can be matched on arrival.
Bank transfer and crypto payment details are shown on this document and on the linked payment page. Funds are received directly by us; please retain your transfer reference or transaction hash.
Generated wording is a plain-language starting point, not legal advice. Whether a term is enforceable — late-payment charges especially — depends on your jurisdiction and your contract with the client.
When payment is due, stated as a period or a date rather than 'on receipt'. What is payable up front, if anything. How the client should reference the payment so you can match it. And what happens if it is late.
Each of those is one sentence. Together they remove the four conversations that otherwise happen after the due date, at which point you are negotiating from a weaker position than you were before you sent the invoice.
A late-payment charge is a deterrent more than a revenue line, and its enforceability varies by jurisdiction. Stating it before the work starts is what gives it weight; adding it retrospectively to an overdue invoice mostly produces an argument.
Keep it proportionate. A punitive rate is more likely to be challenged and less likely to be paid than a modest one that you actually apply consistently.
Paste the wording into the terms field on a VegaPal document and it prints on the PDF and shows on the payment page.
Net 30 is the default in much B2B trade, with net 14 and net 7 common for smaller suppliers and freelancers. Match the client's actual payment cycle rather than picking the shortest number.
It depends on your jurisdiction and your contract. State the term up front if you intend to rely on it, and take advice before enforcing it.
In the terms field, which prints on the PDF and appears on the shareable payment page alongside the payment instructions.