# Payment terms

Source: https://contracko.com/pt/glossario/condicoes-de-pagamento

# Payment terms

The contractual rules governing how, when and in what currency a debtor must pay an invoice.

## Definição

Payment terms set out the payment period, accepted methods, applicable currency and the consequences of late payment. In B2B contracts a period of 30 days is the statutory default; a term exceeding 60 days is only valid if it is not manifestly unfair to the creditor. Clear payment terms reduce disputes and underpin any claim for interest or collection costs.

## Exemplo

> An agreement stipulating "payment within 30 days of invoice date" entitles the supplier to statutory commercial interest from day 31 if the buyer fails to pay.

## Porque é um risco para a empresa

Vague or inconsistent payment terms are one of the most common causes of cash-flow problems. Without a clear payment date, triggering statutory interest or escalating to collection becomes difficult to prove. Across a portfolio of contracts, misaligned payment schedules create forecasting blind spots and increase the risk of unnoticed late payments compounding over time.

## Como gerir

- State the payment period, start event (invoice date, delivery date, acceptance) and accepted payment methods explicitly in every contract.
- For B2B contracts, keep the agreed term at 30 days where possible; if you accept 60 days, document the business justification.
- Include a clear late-payment consequence: statutory commercial interest runs automatically, but specifying it removes any ambiguity.
- Track payment due dates across your contract portfolio so upcoming obligations are visible before they fall overdue.
- Review payment terms at each renewal to ensure they still reflect agreed commercial relationships and statutory limits.

### Como o Contracko ajuda

Contracko extracts payment due dates and terms from uploaded contracts and surfaces them in a central tracker, so upcoming obligations are visible before they become overdue. Smart reminders flag invoices approaching their deadline, reducing the chance of late-payment disputes going unnoticed across a large portfolio.

## Referências jurídicas

- [BW 6:119a Dutch Civil Code: payment period and late payment Direito neerlandês](https://wetten.overheid.nl/BWBR0005289)

Salvo indicação em contrário, as referências remetem para o direito neerlandês (Burgerlijk Wetboek, o Código Civil neerlandês); os instrumentos da UE, como o RGPD, aplicam-se em toda a UE. Esta é informação geral, não constitui aconselhamento jurídico. Outras jurisdições tratam estes conceitos de forma diferente. Verifique o texto em vigor e a sua situação com um advogado qualificado.

## Relevante para

[Serviços Financeiros](https://contracko.com/pt/setores/servicos-financeiros)[Logística e Distribuição](https://contracko.com/pt/setores/logistica)[Indústria Transformadora](https://contracko.com/pt/setores/fabricacao)[Retalho e Grossista](https://contracko.com/pt/setores/comercio-retalhista-grossista)

## Cláusulas relacionadas

- [Payment Terms Clause](https://contracko.com/pt/biblioteca-de-clausulas/condicoes-de-pagamento)
- [Price Indexation Clause](https://contracko.com/pt/biblioteca-de-clausulas/indexacao-de-precos)

## Termos relacionados

- [Statutory interest](https://contracko.com/pt/glossario/juros-legais)
- [Payment default](https://contracko.com/pt/glossario/incumprimento-de-pagamento)
- [Extrajudicial collection costs](https://contracko.com/pt/glossario/custas-de-cobranca-extrajudicial)
- [Contract value](https://contracko.com/pt/glossario/valor-do-contrato)

### Nunca mais perca um prazo contratual

- A IA encontra as datas de renovação e aviso prévio
- Os riscos e obrigações são apresentados automaticamente
- Os lembretes ajudam-no a agir antes que as datas passem

Largue um contrato para começar

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Conforme com o RGPD. Encriptado. Nunca utilizado para treinar IA.

## Perguntas frequentes

Questões comuns sobre este termo.

- **Q:** What is the maximum payment term allowed between businesses?
  **A:** As a rule, a B2B payment term may not exceed 60 days. A longer term is only valid if it is demonstrably not unfair to the creditor.

- **Q:** When does the payment period start to run?
  **A:** It depends on what the contract says. Common start events are the invoice date, the delivery date or the date of acceptance of the goods or services. Specify the trigger clearly to avoid disputes.

- **Q:** Can payment terms be enforced by a small business against a large buyer?
  **A:** Yes. Statutory commercial interest (BW 6:119a) runs automatically from the day after the agreed term expires, regardless of the relative size of the parties. A longer term imposed on a weaker party may be set aside as manifestly unfair.

- **Q:** What happens if no payment term is agreed?
  **A:** Under Dutch law the statutory default for B2B transactions is 30 days from receipt of the invoice or delivery, whichever is later. After that period statutory commercial interest accrues automatically.

- **Q:** Are payment terms in consumer contracts treated differently?
  **A:** Yes. Consumer payment terms are subject to stricter controls under general terms legislation, and the ordinary (lower) statutory interest rate under BW 6:119 applies rather than the higher commercial rate.

## Veja estes termos nos seus próprios contratos

Carregue um contrato e o Contracko extrai os termos, datas e obrigações principais e lembra antes de cada um se tornar relevante.

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