Payment reminder and final demand templates for unpaid invoices
Prepare in two minutes a payment reminder, an overdue notice, a final reminder or a final demand for an unpaid invoice, with late payment interest and fixed compensation if your customer is a business. Instant preview and text to copy; the PDF, ready to print, is sent to you by email.
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From payment reminder to final demand
Most late payments are settled after a polite reminder. If the invoice stays unpaid, an overdue notice reminds your customer of your rights under S.I. 580/2012 and asks for payment within 7 days; a final reminder gives one last week. All the letters are written in your name: Le Frac does not collect debts on your behalf.
For a business customer, you can claim late payment interest (ECB rate + 8 points) and fixed compensation of €40, €70 or €100. If you prefer not to calculate them, the letter reminds your customer of the right and reserves it. For a consumer, the letters never mention them: the Regulations do not apply.
The final demand lists the principal, the interest and the compensation separately and gives 14 days. After that, you may instruct a solicitor or issue proceedings: in the District Court up to €15,000, the Circuit Court up to €75,000, and the High Court above. The small claims procedure cannot be used for unpaid invoices.
Keep the tone factual. Demands so frequent that they cause alarm, distress or humiliation, false threats of criminal proceedings or documents made to look official are an offence (Non-Fatal Offences against the Person Act 1997, section 11).
- Payment reminder: a courteous note that the invoice is overdue, in the tone of your choice (friendly, neutral, firm).
- Overdue notice and final reminder: 7 days to pay, with the interest and compensation you are entitled to.
- Final demand: amounts on separate lines, 14 days, then a solicitor or court proceedings.
- Template for information only, not legal advice: read the letter and adapt it before sending.
Official sources
- Irish Statute Book — S.I. No. 580 of 2012, Late Payment in Commercial Transactions Regulations
- Department of Enterprise, Tourism and Employment — Late payment interest rate
- Courts Service — Making a debt claim
- Courts Service — About the small claims procedure
- Irish Statute Book — Non-Fatal Offences against the Person Act 1997, section 11
Rules checked on 20 October 2026. Free tool for information only: it is not legal or tax advice. The rules are checked against the official sources listed on this page; check your own situation before acting.
Frequently asked questions
Can I add interest and compensation to a reminder?
Yes, for a business customer: late payment interest at the ECB rate + 8 points and €40, €70 or €100 fixed compensation per invoice (S.I. 580/2012). Never for a consumer.
Can I use the small claims procedure for an unpaid invoice?
No. The Courts Service states that debt claims, such as unpaid invoices, cannot go through the small claims procedure.
Which court deals with an unpaid invoice?
It depends on the amount: the District Court up to €15,000, the Circuit Court from €15,001 to €75,000, and the High Court above €75,000.
What must I avoid in a reminder?
Demands frequent enough to cause alarm, distress or humiliation, false threats of criminal proceedings and documents that look official: these are offences under section 11 of the Non-Fatal Offences against the Person Act 1997.
Does Le Frac collect the debt for me?
No. The letters are written in your name and payment goes straight to your account. Le Frac is a tool, not a debt collector.
Further reading
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