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What makes an invoice valid for the Pay later option?
What makes an invoice valid for the Pay later option?
Updated over a week ago

To benefit from the Pay later feature, you must provide a valid supplier invoice.

Valid invoices are legible documents, from which a clear scanned image can be produced, and which clearly show issue date, amount, supplier name and identification number.

1. Issue date

The invoice must have been issued in the last 60 days.

2. Due date

The due date isn’t mandatory for the invoice to be valid. If it’s detected in the invoice, it must be within the last or next 60 days.

For both due and issue dates, the DD/MM/YYYY format is more likely to be detected.

3. Supplier name

If the supplier name isn’t detected, it may be because it’s in a logo. To make sure it’s detected, ask your supplier to write down the name in the invoice.

4. Supplier SIREN/SIRET or intra-community VAT number

The invoice must contain at least one parameter of the supplier's SIREN, SIRET, or VAT number. These numbers should not be in the footer.

5. Total amount (including VAT)

The invoice amount must be clearly stated and it must be at least €150.

As for the maximum amount, it depends on your available and tailored credit limit, to a maximum of €10,000.

6. File format

We recommend uploading a PDF (instead of taking picture, or a uploading a PNG/JPG) because it will make your invoice details more likely to be detected. If you upload a PNG or a JPG file, make sure the information are not blurred.

Your file must be under 15 MB.

☝️ Good to know: Handwritten invoices may be rejected because the algorithm has difficulty detecting the data.

What kind of invoices can be financed?

You can finance supplier invoices for goods and services within the scope of your core business requirements.

⚠️ You can’t use the Pay later option for:

  • payment of your employee’s salaries, or any other form of internal remuneration

  • tax payments (DGFIP, URSSAF, etc.) or fines of any kind (lump-sum, criminal, court decisions, etc.

  • financing goods or services that don’t correspond directly to your business or aren’t related to the needs of your company

  • repayment of other financing services (loans, credits, monthly repayments, etc.)

  • sending a transfer based on an obsolete invoice, an old invoice, or already paid invoice.

💡 Also, note that you can’t use the Pay later option for transfers to:

  • your personal account

  • another company belonging to you

  • another company belonging to the same beneficial owner as your company

  • a close relative or family member

☝️ Good to know: To make sure the invoice and the transfer follows our financing requirements, we’ll perform another check after you send the transfer.

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