Automated Collection

Automate late fees and get paid faster

Stop chasing overdue invoices manually. Calculate and apply late fees automatically based on your terms, EU regulations, and Dutch WIK law. Recover what you're owed.

40%
Fewer late payments
Auto
Calculated
EU
Compliant
Late Fee Calculator
Based on Dutch WIK/incassokosten staffel
Live
Original AmountEUR 1500.00
Late Fee+ EUR 225.00
Total DueEUR 1725.00

WIK: Minimum fee (over principal up to EUR 2,500)

EU Compliant
Legal Compliance

Built for EU & Dutch regulations

PayRequest follows the EU Late Payment Directive (2011/7/EU) and Dutch WIK (Wet Incassokosten) to ensure your late fees are legally enforceable.

EU Late Payment Directive

Applies to all B2B transactions in the EU. Sets minimum standards for payment terms and compensation.

Standard 30-day payment term
Automatic right to interest (ECB rate + 8%)
Minimum compensation of EUR 40 for recovery costs
Applies to all B2B commercial transactions

Dutch WIK Law (Incassokosten)

The Netherlands has specific collection cost rules. The WIK staffel determines maximum collection costs based on the principal amount.

WIK Collection Cost Staffel
Up to EUR 2,500
15%EUR 40
EUR 2,500 - 5,000
10%+
EUR 5,000 - 10,000
5%+
EUR 10,000 - 200,000
1%+
Over EUR 200,000
0.5%+
Maximum total: EUR 6,775
Know the Rules

B2B vs B2C: Different rules apply

Late fee regulations differ significantly between business and consumer transactions. Make sure you apply the correct rules.

Business to Business (B2B)

EU Late Payment Directive applies
Standard 30-day payment term
8% + ECB reference rate interest allowed
EUR 40 minimum compensation automatic
WIK staffel for Dutch businesses
No consumer protection limits

Business to Consumer (B2C)

Consumer protection laws apply
Must clearly state terms upfront
Reasonable fee limits enforced
14-day grace period often required
Cannot exceed actual recovery costs
Stricter notification requirements

PayRequest automatically applies the correct rules based on your customer type settings.

How automatic late fees work

Once configured, PayRequest handles everything automatically — from calculation to notification.

Step 1

Invoice Becomes Overdue

Invoice passes due date plus any configured grace period

Step 2

Fee Calculated

Late fee automatically calculated based on your configured rules

Step 3

Customer Notified

Email sent to customer with updated invoice and late fee breakdown

Step 4

Payment Collected

Total amount (including late fees) collected when customer pays

Complete late fee toolkit

Everything you need to automate collection costs and encourage timely payments.

Automatic Calculation

Late fees calculated automatically based on your configured rules and EU/NL regulations

Flexible Fee Structures

Choose from flat fees, percentages, daily interest rates, or the WIK staffel system

Grace Periods

Set customizable grace periods before late fees apply — standard is 14 days in B2B

Auto-Apply to Invoices

Late fees automatically added to overdue invoices based on your settings

Customer Notifications

Automatic emails notify customers when late fees are applied to their invoices

Compliance Built-in

Pre-configured rates following EU Late Payment Directive and Dutch WIK law

Stop losing money

Enable automatic late fees today

Configure your late fee rules once and let PayRequest handle the rest. EU and Dutch law compliant.