How to get paid faster by clients

Why clients take long to pay

It is (almost never) bad faith. Late payments happen for three main reasons:

1. No clear deadline. If the quote does not say when to pay, the client postpones. Simple.
2. Paying is inconvenient. If the only method is bank transfer, the client has to log into online banking, copy the sort code, confirm details. They put it off until "tonight" and forget.
3. The total amount is intimidating. On a €3,000 job, the client may have the money but not want to hand it all over at once.

The good news: all three problems have solutions, and none of them require chasing the client.

Set payment terms before starting

The golden rule: agree everything before picking up a tool.

In the quote, always include: • Payment deadline (e.g., "payment on day of completion" or "50% before, 50% on handover") • Accepted methods (card, bank transfer, etc.) • What happens if late (no need to be aggressive, just clear)

For larger jobs, ask for a deposit. 30% to 50% before buying materials is common practice and no serious client refuses. It protects you from buying materials for a job that then gets cancelled.

With Prummo, you can send the quote with integrated online payment. The client accepts and pays the deposit at the same moment, without exchanging bank details.

Make payment easy with online tools

The easier it is to pay, the faster the money arrives.

Card payment: The client pays directly on the quote link. They enter their card details and pay.

Bank transfer: The traditional method. You give your account details, the client transfers via online banking.

With Prummo, all payment methods are available automatically when you send the quote. The client receives the link via WhatsApp, chooses how to pay, and that is it. You receive a notification when the payment arrives.

Ending the "I will transfer it later" habit is the fastest way to get paid on time.

Installments: the trump card for big jobs

Jobs above €1,000 are the ones that delay the most. The client wants the work done but does not want to pay it all at once.

The solution: offer installments. With Klarna integrated into Prummo, the client splits into 3 interest-free payments. A €3,000 renovation becomes 3 payments of €1,000.

The best part: you receive the full €3,000 immediately. Klarna collects the installments from the client on your behalf. Zero risk for you.

You do not need to "sell" the installments. Just use Prummo and the option appears automatically. The client decides whether to pay in full or split.

Practical result: more jobs approved, fewer "let me think about it" responses, and the money in your account the next day.