[{"data":1,"prerenderedAt":2389},["ShallowReactive",2],{"en-blog/payment-delays":3,"en-global-content":630,"en-article-global-content":1856,"en-blog-article-more-articles-213437472":2117},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":618,"full_slug":619,"sort_by_date":44,"position":620,"tag_list":621,"is_startpage":29,"parent_id":622,"meta_data":44,"group_id":623,"first_published_at":624,"release_id":44,"lang":50,"path":44,"alternates":625,"default_full_slug":619,"translated_slugs":626},"7 ways to avoid costly payment delays","2022-11-02T18:02:59.251Z","2026-11-03T12:04:54.445Z","2026-11-03T12:04:54.472Z",213437472,"47b75fef-d05c-4623-8af7-526f363d88fc",{"_uid":11,"roles":12,"title":4,"author":13,"topics":60,"content":91,"noIndex":29,"category":510,"language":535,"component":523,"heroMedia":538,"sidebarCta":545,"publishedAt":546,"readingTime":547,"redirectUrl":26,"listingImage":548,"metaDescription":549,"componentsAfterTheArticle":550},"d489cbcb-713b-421b-8881-acc116d31d37",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":42,"full_slug":43,"sort_by_date":44,"position":45,"tag_list":46,"is_startpage":29,"parent_id":47,"meta_data":44,"group_id":48,"first_published_at":49,"release_id":44,"lang":50,"path":44,"alternates":51,"default_full_slug":43,"translated_slugs":52,"_stopResolving":59},"Elizabeth Dulcich","2022-10-19T17:44:06.677Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.631Z",206167997,"5c38a2c3-e1fa-4a6d-bb65-33547b8b5caf",{"_uid":21,"name":14,"links":22,"picture":23,"lastName":30,"component":31,"firstName":32,"description":33},"19cd3c37-70a9-4c4f-b4a8-14e432b7f859",[],{"id":24,"alt":25,"name":26,"focus":26,"title":26,"filename":27,"copyright":26,"fieldtype":28,"is_external_url":29},6415554,"Elizabeth Dulcich photo","","https://a.storyblok.com/f/146026/1225x1405/99507ac7c8/elizabeth-photo.JPG","asset",false,"Dulcich","author","Elizabeth",{"type":34,"content":35},"doc",[36],{"type":37,"content":38},"paragraph",[39],{"text":40,"type":41},"Elizabeth is a content marketer and copywriter living in Paris. She loves reading, yoga, and hiking in her native Pacific Northwest.","text","elizabeth-dulcich","blog/author/elizabeth-dulcich",null,-990,[],176408854,"0cf825aa-5540-4e16-a93f-72db443b5d30","2022-11-02T15:25:40.453Z","default",[],[53,55,57],{"path":43,"name":44,"lang":54,"published":44},"fr",{"path":43,"name":44,"lang":56,"published":44},"de",{"path":43,"name":44,"lang":58,"published":44},"es",true,[61],{"name":62,"created_at":63,"published_at":64,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":79,"full_slug":80,"sort_by_date":44,"position":81,"tag_list":82,"is_startpage":29,"parent_id":83,"meta_data":44,"group_id":84,"first_published_at":85,"release_id":44,"lang":50,"path":44,"alternates":86,"default_full_slug":80,"translated_slugs":87,"_stopResolving":59},"Finance strategy","2022-10-19T17:57:50.961Z","2026-09-29T09:13:54.941Z","2026-09-29T09:13:54.957Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"seo":69,"_uid":77,"name":62,"component":78},[70],{"_uid":71,"noIndex":29,"component":72,"metaFields":73},"a850324e-c837-4a13-8f8f-4fbe4fd15397","seo",{"_uid":74,"plugin":75,"description":76},"e114f30f-fa13-4ca9-8e17-57f0f612f8ec","meta-fields","Long-term thinking on finance strategy: budgeting, forecasting, and the frameworks finance leaders use to plan for growth.","11f616ce-9f54-42bb-967c-fdb960b62cef","tag","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[88,89,90],{"path":80,"name":44,"lang":54,"published":44},{"path":80,"name":44,"lang":56,"published":44},{"path":80,"name":44,"lang":58,"published":44},{"type":34,"content":92},[93,97,111,120,129,136,154,162,167,171,177,181,193,198,202,206,211,215,220,233,243,248,260,264,269,280,284,288,328,332,333,339,344,361,367,375,380,384,389,393,398,402,407,427,432,436,440,445,455,460,492,504,505],{"type":37,"content":94},[95],{"text":96,"type":41},"In a perfect world, people would pay their invoices on time, every time. But we live in the real world, and delayed payments are an inconvenient reality for companies and finance teams.",{"type":37,"content":98},[99,101,109],{"text":100,"type":41},"Lengthy payment delays can be a huge pain point for companies. And in uncertain times, delayed payments become more frequent and the wait times even longer. For example, ",{"text":102,"type":41,"marks":103},"increases in late payments",[104],{"type":105,"attrs":106},"link",{"href":107,"uuid":44,"anchor":44,"target":44,"linktype":108},"https://www.generixgroup.com/en/blog/impact-pandemic-billing-process","url",{"text":110,"type":41}," were reported all over the world following the onset of the Covid-19 pandemic.",{"type":37,"content":112},[113,118],{"text":114,"type":41,"marks":115},"These delayed or late payments set off a chain reaction within your organization and beyond",[116],{"type":117},"bold",{"text":119,"type":41},". This creates cash flow problems and leads to other consequences, such as wasted resources, ruined relationships, and potential business failure. Let’s explore some of the reasons for these long payment delays and helpful tips on how to avoid them.",{"type":121,"attrs":122},"blok",{"id":123,"body":124},"56e000b5-cb8a-4666-8c10-939619f1def9",[125],{"_uid":126,"html":127,"component":128},"i-0a34e1bd-bd6f-4097-a932-d55dba42eafa","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-a4906b7d-7f78-4579-aa4f-f71fa2dbec9c\">\u003Cspan class=\"hs-cta-node hs-cta-a4906b7d-7f78-4579-aa4f-f71fa2dbec9c\" id=\"hs-cta-a4906b7d-7f78-4579-aa4f-f71fa2dbec9c\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/a4906b7d-7f78-4579-aa4f-f71fa2dbec9c\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-a4906b7d-7f78-4579-aa4f-f71fa2dbec9c\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/a4906b7d-7f78-4579-aa4f-f71fa2dbec9c.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'a4906b7d-7f78-4579-aa4f-f71fa2dbec9c', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":130,"attrs":131,"content":133},"heading",{"level":132},2,[134],{"text":135,"type":41},"What is a payment delay?",{"type":37,"content":137},[138,140,152],{"text":139,"type":41},"A payment delay is the time between receiving a bill for goods or services and paying said bill. Usually, if the payment date is not indicated on the ",{"text":141,"type":41,"marks":142},"invoice",[143],{"type":105,"attrs":144},{"href":145,"uuid":146,"anchor":44,"target":44,"linktype":147,"story":148},"supplier-invoices","91a1997c-63e1-4ca2-93f7-56eb3f9f7a31","story",{"name":149,"id":150,"uuid":146,"slug":145,"url":151,"full_slug":151,"_stopResolving":59},"Supplier invoice management: a complete guide",208803046,"blog/supplier-invoices",{"text":153,"type":41},", the deadline is 30 days from the receipt of the goods or the end of the services, although this could vary by industry, country, and company.",{"type":37,"content":155},[156,160],{"text":157,"type":41,"marks":158},"After this agreed-upon date, the payment is officially late or overdue",[159],{"type":117},{"text":161,"type":41},". Unforeseen delays in payment can carry major consequences.",{"type":130,"attrs":163,"content":164},{"level":132},[165],{"text":166,"type":41},"Consequences of delayed payments",{"type":37,"content":168},[169],{"text":170,"type":41},"Some of the consequences of late payments or long payment delays include:",{"type":130,"attrs":172,"content":174},{"level":173},4,[175],{"text":176,"type":41},"Wasted time",{"type":37,"content":178},[179],{"text":180,"type":41},"Late payment reminders can be one of the most frustrating tasks for finance teams. They require bandwidth that could be put to better use.",{"type":37,"content":182},[183,185,191],{"text":184,"type":41},"Employees may spend countless working hours chasing down payments. In fact, the average UK SMB spends ",{"text":186,"type":41,"marks":187},"1.5 days per month",[188],{"type":105,"attrs":189},{"href":190,"uuid":44,"anchor":44,"target":44,"linktype":108},"https://www.chaserhq.com/blog/the-shocking-impact-late-payments-have-on-productivity",{"text":192,"type":41}," following up on unpaid invoices.",{"type":130,"attrs":194,"content":195},{"level":173},[196],{"text":197,"type":41},"Wasted money",{"type":37,"content":199},[200],{"text":201,"type":41},"Sometimes, businesses have to resort to the legal system to go after clients’ unpaid invoices. Legal fees can be extremely expensive and the legal process is time consuming.",{"type":37,"content":203},[204],{"text":205,"type":41},"And on the client side, late fees can add up quickly, making the problem even worse.",{"type":130,"attrs":207,"content":208},{"level":173},[209],{"text":210,"type":41},"Soured relationships",{"type":37,"content":212},[213],{"text":214,"type":41},"Chasing after clients for late payments is fun for no one. The delicate relationship between provider and client hangs in the balance of these awkward conversations.",{"type":130,"attrs":216,"content":217},{"level":173},[218],{"text":219,"type":41},"Cash flow issues",{"type":37,"content":221},[222,224,231],{"text":223,"type":41},"If you are waiting longer than expected to receive payment, it is possible that you will not have enough ",{"text":225,"type":41,"marks":226},"cash reserves",[227],{"type":105,"attrs":228},{"href":229,"uuid":44,"anchor":44,"target":230,"linktype":108},"https://www.spendesk.com/blog/cash-budget/","_self",{"text":232,"type":41}," to cover your own expenses during this period. This can be particularly problematic for small companies with few clients.",{"type":37,"content":234},[235,241],{"text":236,"type":41,"marks":237},"Once you are short on cash",[238],{"type":105,"attrs":239},{"href":240,"uuid":44,"anchor":44,"target":230,"linktype":108},"https://www.cfoconnect.eu/en/resources/meetup-recap/5-reasons-why-companies-that-dont-prioritize-cash-fail/",{"text":242,"type":41},", you are in big trouble. Not being able to pay suppliers, creditors, employees, or other operational costs can lead to business failure.",{"type":130,"attrs":244,"content":245},{"level":173},[246],{"text":247,"type":41},"Business failure",{"type":37,"content":249},[250,252,258],{"text":251,"type":41},"While it sounds extreme, late payments can actually be one of the ",{"text":253,"type":41,"marks":254},"reasons behind a business failing",[255],{"type":105,"attrs":256},{"href":257,"uuid":44,"anchor":44,"target":44,"linktype":108},"https://publications.banque-france.fr/en/do-late-customer-payments-impact-companies-probability-default",{"text":259,"type":41},".",{"type":37,"content":261},[262],{"text":263,"type":41},"Any combination of these consequences can be devastating for businesses.",{"type":130,"attrs":265,"content":266},{"level":132},[267],{"text":268,"type":41},"What are the most common reasons for late payments?",{"type":37,"content":270},[271,273,278],{"text":272,"type":41},"Now let’s look at the reasons ",{"text":274,"type":41,"marks":275},"why",[276],{"type":277},"italic",{"text":279,"type":41}," a client might not pay an invoice on time.",{"type":37,"content":281},[282],{"text":283,"type":41},"Keep in mind that late payments are rarely due to malice or bad intentions. In most cases, it comes down to human error!",{"type":37,"content":285},[286],{"text":287,"type":41},"Here are some commonly reported reasons for delayed payments:",{"type":289,"content":290},"bullet_list",[291,298,304,310,316,322],{"type":292,"content":293},"list_item",[294],{"type":37,"content":295},[296],{"text":297,"type":41},"Lost invoice (or never received)",{"type":292,"content":299},[300],{"type":37,"content":301},[302],{"text":303,"type":41},"The client believes they have already paid",{"type":292,"content":305},[306],{"type":37,"content":307},[308],{"text":309,"type":41},"Payment is on the way",{"type":292,"content":311},[312],{"type":37,"content":313},[314],{"text":315,"type":41},"Unhappy with the goods or services delivered (or another dispute)",{"type":292,"content":317},[318],{"type":37,"content":319},[320],{"text":321,"type":41},"Cash flow issues (or need an extension)",{"type":292,"content":323},[324],{"type":37,"content":325},[326],{"text":327,"type":41},"Human error (typo, forgot, bad communication)",{"type":37,"content":329},[330],{"text":331,"type":41},"Luckily, there are a few simple ways to circumvent these problems and nip delayed payments in the bud.",{"type":37},{"type":121,"attrs":334},{"id":123,"body":335},[336],{"_uid":337,"html":338,"component":128},"i-48500659-f93a-4200-9430-1ed4a02b4136","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-30b596e5-0abe-4f08-a2d4-edfcaf5b79ae\">\u003Cspan class=\"hs-cta-node hs-cta-30b596e5-0abe-4f08-a2d4-edfcaf5b79ae\" id=\"hs-cta-30b596e5-0abe-4f08-a2d4-edfcaf5b79ae\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/30b596e5-0abe-4f08-a2d4-edfcaf5b79ae\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-30b596e5-0abe-4f08-a2d4-edfcaf5b79ae\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/30b596e5-0abe-4f08-a2d4-edfcaf5b79ae.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '30b596e5-0abe-4f08-a2d4-edfcaf5b79ae', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":130,"attrs":340,"content":341},{"level":132},[342],{"text":343,"type":41},"Ways to avoid lengthy payment delays",{"type":37,"content":345},[346,348,359],{"text":347,"type":41},"Finance teams (usually the ",{"text":349,"type":41,"marks":350},"Financial Controller",[351],{"type":105,"attrs":352},{"href":353,"uuid":354,"anchor":44,"target":44,"linktype":147,"story":355},"controller-vs-cfo","2f5881ae-5fa7-4cec-b2d6-11bb6d930c7b",{"name":356,"id":357,"uuid":354,"slug":353,"url":358,"full_slug":358,"_stopResolving":59},"Controller vs CFO: roles, responsibilities, & profiles",213425179,"blog/controller-vs-cfo",{"text":360,"type":41},") have a responsibility to ensure that money is coming in and going out at a steady rate. To maintain this flow, companies should implement best practices for avoiding lengthy payment delays or late payments.",{"type":130,"attrs":362,"content":364},{"level":363},3,[365],{"text":366,"type":41},"1. Terms and conditions",{"type":37,"content":368},[369,371,373],{"text":370,"type":41},"Your invoice payment policy should be clearly stated and easy for clients to find. Deadlines, payment schedules, late fees, and other rules related to invoicing must be explicit. Putting these policies firmly in place and communicating them clearly leaves no room for confusion. ",{"type":372},"hard_break",{"text":374,"type":41},"Make sure the client understands these policies and provides written confirmation that they have read and agreed to them. You can refer to this should a dispute arise.",{"type":130,"attrs":376,"content":377},{"level":363},[378],{"text":379,"type":41},"2. Know your customer",{"type":37,"content":381},[382],{"text":383,"type":41},"Some basic KYC steps will go a long way in avoiding trouble down the road. Before taking on a new client, take the time to research their previous provider history. For example, knowing if the client’s income source is volatile is a key piece of information that will help you budget for potentially long payment delays.",{"type":130,"attrs":385,"content":386},{"level":363},[387],{"text":388,"type":41},"3. Automate processes",{"type":37,"content":390},[391],{"text":392,"type":41},"Automating reminders and payment notifications takes the burden off finance teams. Their time is then freed up to focus on their core missions and more urgent topics. It also eliminates the awkwardness surrounding tough conversations!",{"type":130,"attrs":394,"content":395},{"level":363},[396],{"text":397,"type":41},"4. Create early payment incentives",{"type":37,"content":399},[400],{"text":401,"type":41},"Rather than focus on punishments for late payments, try creating incentives for early payments instead. Some companies opt to offer a discount on the bill, taking a small percentage off if the customer pays before the payment is officially due. This can strengthen relationships and increase trust between suppliers and customers.",{"type":130,"attrs":403,"content":404},{"level":363},[405],{"text":406,"type":41},"5. Plan your budget around payment delays",{"type":37,"content":408},[409,411,418,420,426],{"text":410,"type":41},"Use ",{"text":412,"type":41,"marks":413},"budgeting tools ",[414],{"type":105,"attrs":415},{"href":416,"uuid":417,"anchor":44,"target":230,"linktype":147},"/platform/budgets","dc5827db-8929-4b1e-87bd-21f53a1360bd",{"text":419,"type":41},"and cash flow projections to your advantage. Having a rough idea of how long you can go before cash runs out is integral for planning around lengthy payment delays. Expect the unexpected and be conservative with your budget estimates, especially in ",{"text":421,"type":41,"marks":422},"uncertain economic conditions",[423],{"type":105,"attrs":424},{"href":425,"uuid":44,"anchor":44,"target":44,"linktype":108},"https://www.cfoconnect.eu/en/resources/finance-insights/managing-downturn/",{"text":259,"type":41},{"type":130,"attrs":428,"content":429},{"level":363},[430],{"text":431,"type":41},"6. Responsive customer service",{"type":37,"content":433},[434],{"text":435,"type":41},"If a client reaches out to your customer service team, a quick response will show that you care. It will also help avoid small problems escalating into big ones. A small issue can quickly become a full-blown dispute if not taken care of in a timely and efficient manner.",{"type":37,"content":437},[438],{"text":439,"type":41},"Engaging with the client to understand their issues rather than just demanding payment will also increase customer loyalty and strengthen your relationship.",{"type":130,"attrs":441,"content":442},{"level":363},[443],{"text":444,"type":41},"7. Open communication",{"type":37,"content":446},[447,449,453],{"text":448,"type":41},"Communication is key! With lines of communication fully open, customers will feel comfortable approaching you about potential issues ",{"text":450,"type":41,"marks":451},"before",[452],{"type":277},{"text":454,"type":41}," they reach a critical point. If you have early warnings about a long payment delay, you will have a chance to prepare and adjust.",{"type":130,"attrs":456,"content":457},{"level":132},[458],{"text":459,"type":41},"Avoid payment delays with better tools",{"type":37,"content":461},[462,464,476,478,490],{"text":463,"type":41},"These seven tips can help you avoid late payments. Being organized on your side (",{"text":465,"type":41,"marks":466},"clear policies",[467],{"type":105,"attrs":468},{"href":469,"uuid":470,"anchor":44,"target":230,"linktype":147,"story":471},"/landing/expense-policy-template","e5fa083d-ab00-4be7-a259-85b50373c7e9",{"name":472,"id":473,"uuid":470,"slug":474,"url":475,"full_slug":475,"_stopResolving":59},"Expense Policy Template",524358100,"expense-policy-template","landing/expense-policy-template",{"text":477,"type":41}," and careful budgeting), knowing and communicating with your customers, ",{"text":479,"type":41,"marks":480},"automating processes",[481],{"type":105,"attrs":482},{"href":483,"uuid":484,"anchor":44,"target":230,"linktype":147,"story":485},"/blog/business-automation-finance-processes","3a270061-6112-4457-a772-832112813f43",{"name":486,"id":487,"uuid":484,"slug":488,"url":489,"full_slug":489,"_stopResolving":59},"Finance automation: 6 key business processes to automate in 2025",208735205,"finance-automation","blog/finance-automation",{"text":491,"type":41},", and staying on top of customer service requests will make all the difference.",{"type":37,"content":493},[494,496,502],{"text":495,"type":41},"With spend management tools (like ",{"text":497,"type":41,"marks":498},"Spendesk",[499],{"type":105,"attrs":500},{"href":501,"uuid":44,"anchor":44,"target":230,"linktype":108},"/product/accounts-payable/",{"text":503,"type":41},"), finance teams have more visibility and insight to adjust how the business operates, prepares, and focuses on mitigating late payments. By doing so, companies maintain flexibility to track cash outflows. 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Enter your email below and we'll let you know when we can help.","It looks like you have already been invited to Spendesk. Please check your emails or ask your admin to resend the invitation.","Spendesk is an all-in-one spend management and procurement platform that helps businesses manage corporate cards, invoice payments, subscriptions and company spend in real time.","support@spendesk.com",{"type":34,"content":1781},[1782,1786,1795],{"type":37,"content":1783},[1784],{"text":1785,"type":41},"There is already a Spendesk account associated with this email address. 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