{"id":7207,"date":"2026-11-04T12:59:30","date_gmt":"2026-11-04T11:59:30","guid":{"rendered":"https:\/\/www.1pay.ch\/?page_id=7207"},"modified":"2026-11-04T16:08:44","modified_gmt":"2026-11-04T15:08:44","slug":"late-payment-interest-calculator","status":"publish","type":"page","link":"https:\/\/www.1pay.ch\/en\/late-payment-interest-calculator\/","title":{"rendered":"Late payment interest calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7207\" class=\"elementor elementor-7207 elementor-7195\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3fc2a8c op-mhero elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fc2a8c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7920024\" data-id=\"7920024\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c18b355 elementor-widget elementor-widget-heading\" data-id=\"c18b355\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Late payment interest: what you can charge on an overdue payment<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f73c198 elementor-widget elementor-widget-text-editor\" data-id=\"f73c198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enter the amount, due date and payment date: see the days overdue and the 5% annual interest set by the Swiss Code of Obligations, with a line ready for your reminder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46c95d9 op-tool elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46c95d9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b126f0c\" data-id=\"b126f0c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a7143b op-tool elementor-widget elementor-widget-html\" data-id=\"6a7143b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"opc\" id=\"opm\">\n<style>\n.opc{--n:#1D3D78;--b:#27509C;--sky:#EAF1FB;--ink:#2A2F33;--sl:#5B6B70;--ln:#D5DCE2;--soft:#F4F6F8;font-family:Poppins,Arial,sans-serif;color:var(--ink);max-width:1000px;margin:0 auto;text-align:left;container-type:inline-size}\n.opc *{box-sizing:border-box}\n.opc [hidden]{display:none!important}\n.opc-card{background:#fff;border-radius:16px;box-shadow:0 10px 30px rgba(16,24,40,.08);padding:28px;display:grid;gap:26px}\n.opc-form{display:grid;gap:16px;min-width:0}\n.opc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px}\n.opc label{display:flex;flex-direction:column;min-width:0}\n.opc label>span:first-child{display:block;font-size:.84rem;font-weight:600;color:var(--sl);margin:0 0 6px;line-height:1.3}\n.opc-pre{position:relative;display:block}\n.opc-pre i{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-style:normal;font-size:.95rem;font-weight:600;color:var(--sl);pointer-events:none}\n.opc-pre.suf i{left:auto;right:14px}\n#opm#opm.opc input{font:inherit;font-size:1.05rem!important;color:var(--ink)!important;border:1px solid var(--ln)!important;border-radius:10px!important;padding:0 14px!important;height:48px!important;min-height:48px!important;background-color:#fff!important;width:100%;box-shadow:none!important;margin:0}\n#opm#opm.opc .opc-pre input{padding-left:56px!important}\n#opm#opm.opc .opc-pre.suf input{padding-left:14px!important;padding-right:40px!important}\n#opm.opc input:focus-visible,#opm.opc button:focus-visible{outline:2px solid var(--b);outline-offset:2px}\n.opc .opc-hint{font-size:.8rem;color:var(--sl);margin:6px 0 0;line-height:1.45}\n.opc-out{background:var(--sky);border-radius:14px;padding:22px;display:grid;gap:4px;align-content:start}\n.opc-card>*{min-width:0}\n.opc-row{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:4px 12px;padding:12px 0;border-bottom:1px solid rgba(29,61,120,.12)}\n.opc-row:last-of-type{border-bottom:0}\n.opc-row span{font-size:.92rem;color:var(--sl)}\n.opc-row b{font-size:1.15rem;font-weight:600;color:var(--n);white-space:nowrap;font-variant-numeric:tabular-nums;margin-left:auto}\n.opc-row.big b{font-size:clamp(1.3rem,6cqi,1.6rem)}\n.opc-row.big span{color:var(--n);font-weight:600}\n.opc .opc-line{font-size:.88rem;line-height:1.55;margin:8px 0 0;background:#fff;border-radius:10px;padding:12px 14px;color:var(--ink)}\n.opc .opc-ok{font-size:.95rem;color:var(--n);margin:0;padding:12px 0}\n.opc-act{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}\n#opm.opc .opc-act button,#opm.opc .opc-act a{flex:1 1 170px;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;border-radius:12px;padding:0 16px;font:inherit;font-size:.9rem;font-weight:600;cursor:pointer;border:1px solid var(--b);background:#fff;color:var(--b);text-decoration:none;text-transform:none;letter-spacing:0;box-shadow:none;text-align:center;line-height:1.25}\n#opm.opc .opc-act a{background:var(--b);color:#fff!important}\n#opm.opc .opc-act button.done{border-color:#2E7D5B;color:#2E7D5B}\n.opc .opc-note{font-size:.82rem;color:var(--sl);margin:6px 0 0;line-height:1.55}\n@container (min-width:760px){.opc-card{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start;padding:32px}}\n@media (max-width:767px){.opc-card{padding:22px 16px}}\n<\/style>\n<div class=\"opc-card\" id=\"opm-card\"><\/div>\n<script>\n(function(){\nvar card=document.getElementById('opm-card'),L=(document.documentElement.lang||'it').slice(0,2);\n\/\/ Interesse di mora legale 5% all'anno (art. 104 CO), niente interessi sugli interessi (art. 105 cpv. 3 CO).\n\/\/ Giorni effettivi dal giorno dopo la scadenza al giorno del pagamento, anno di 365 giorni.\nvar MAX={amt:9999999,rate:30};\nvar T={\nit:{amt:'Importo aperto',due:'Scadenza',pay:'Pagato il (o data di oggi)',rate:'Tasso annuo',rateh:'5% \u00e8 il tasso legale; un tasso diverso vale solo se pattuito.',\n days:'Giorni di ritardo',int:'Interesse di mora',tot:'Totale con interesse',none:'Nessun interesse: il pagamento non \u00e8 in ritardo.',\n line:'Interesse di mora del {r} annuo su {a} dal {d1} al {d2} ({n} giorni): {i}',copy:'Copia la riga',copied:'Copiato',cta:'Prepara il sollecito',ctau:'\/messaggi-sollecito-pagamento\/',\n note:'Calcolo indicativo sui giorni effettivi, anno di 365 giorni. Non \u00e8 una consulenza legale.'},\nde:{amt:'Offener Betrag',due:'F\u00e4lligkeit',pay:'Bezahlt am (oder heute)',rate:'Jahreszins',rateh:'5% ist der gesetzliche Satz; ein anderer gilt nur, wenn er vereinbart wurde.',\n days:'Tage im Verzug',int:'Verzugszins',tot:'Total mit Zins',none:'Kein Zins: Die Zahlung ist nicht im Verzug.',\n line:'Verzugszins von {r} pro Jahr auf {a} vom {d1} bis {d2} ({n} Tage): {i}',copy:'Zeile kopieren',copied:'Kopiert',cta:'Mahnung vorbereiten',ctau:'\/de\/zahlungserinnerung-vorlage\/',\n note:'Richtwert auf Basis der effektiven Tage, Jahr mit 365 Tagen. Keine Rechtsberatung.'},\nen:{amt:'Outstanding amount',due:'Due date',pay:'Paid on (or today)',rate:'Annual rate',rateh:'5% is the statutory rate; a different rate applies only if agreed.',\n days:'Days overdue',int:'Late payment interest',tot:'Total with interest',none:'No interest: the payment is not late.',\n line:'Late payment interest at {r} a year on {a} from {d1} to {d2} ({n} days): {i}',copy:'Copy the line',copied:'Copied',cta:'Prepare the reminder',ctau:'\/en\/payment-reminder-template\/',\n note:'Guide figure based on actual days, 365-day year. Not legal advice.'},\nfr:{amt:'Montant impay\u00e9',due:'\u00c9ch\u00e9ance',pay:'Pay\u00e9 le (ou aujourd\u2019hui)',rate:'Taux annuel',rateh:'5 % est le taux l\u00e9gal ; un autre taux ne s\u2019applique que s\u2019il a \u00e9t\u00e9 convenu.',\n days:'Jours de retard',int:'Int\u00e9r\u00eat moratoire',tot:'Total avec int\u00e9r\u00eat',none:'Pas d\u2019int\u00e9r\u00eat : le paiement n\u2019est pas en retard.',\n line:'Int\u00e9r\u00eat moratoire de {r} par an sur {a} du {d1} au {d2} ({n} jours) : {i}',copy:'Copier la ligne',copied:'Copi\u00e9',cta:'Pr\u00e9parer le rappel',ctau:'\/fr\/modele-rappel-paiement\/',\n note:'Calcul indicatif sur les jours effectifs, ann\u00e9e de 365 jours. Ce n\u2019est pas un conseil juridique.'}};\nvar D=T[L]||T.it;\nfunction iso(d){return d.toISOString().slice(0,10)}\nvar today=new Date();today=iso(new Date(Date.UTC(today.getFullYear(),today.getMonth(),today.getDate())));\ncard.innerHTML='<div class=\"opc-form\"><label><span>'+D.amt+'<\/span><span class=\"opc-pre\"><i aria-hidden=\"true\">CHF<\/i><input id=\"opm-amt\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"'+MAX.amt+'\" step=\"0.05\" placeholder=\"0.00\"><\/span><\/label>'+\n '<div class=\"opc-grid\"><label><span>'+D.due+'<\/span><input id=\"opm-due\" type=\"date\" max=\"2100-12-31\"><\/label><label><span>'+D.pay+'<\/span><input id=\"opm-pay\" type=\"date\" max=\"2100-12-31\" value=\"'+today+'\"><\/label><\/div>'+\n '<label><span>'+D.rate+'<\/span><span class=\"opc-pre suf\"><input id=\"opm-rate\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"'+MAX.rate+'\" step=\"0.25\" value=\"5\"><i aria-hidden=\"true\">%<\/i><\/span><span class=\"opc-hint\">'+D.rateh+'<\/span><\/label><\/div>'+\n '<div class=\"opc-out\" aria-live=\"polite\"><p class=\"opc-ok\" id=\"opm-none\" hidden>'+D.none+'<\/p><div id=\"opm-res\"><div class=\"opc-row\"><span>'+D.days+'<\/span><b id=\"opm-n\"><\/b><\/div><div class=\"opc-row\"><span>'+D.int+'<\/span><b id=\"opm-i\"><\/b><\/div><div class=\"opc-row big\"><span>'+D.tot+'<\/span><b id=\"opm-t\"><\/b><\/div><p class=\"opc-line\" id=\"opm-line\"><\/p><\/div>'+\n '<div class=\"opc-act\"><button type=\"button\" id=\"opm-copy\">'+D.copy+'<\/button><a href=\"'+D.ctau+'\">'+D.cta+' \u2192<\/a><\/div><p class=\"opc-note\">'+D.note+'<\/p><\/div>';\nvar $=function(i){return document.getElementById('opm-'+i)};\nfunction money(n){var r=Math.round(n*100)\/100,i=Math.floor(r).toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,\"'\"),c=Math.round((r-Math.floor(r))*100);return 'CHF '+i+'.'+String(c).padStart(2,'0')}\nfunction pct(x){return (L=='en'?String(x):String(x).replace('.',','))+(L=='fr'?'\u202f%':'%')}\nfunction dt(v){var p=v.split('-');return p[2]+'.'+p[1]+'.'+p[0]}\nfunction num(id){var e=$(id),v=parseFloat(String(e.value).replace(',','.'))||0;if(v>MAX[id]){v=MAX[id];e.value=v}if(v<0){v=0;e.value=0}return v}\nfunction calc(){var a=num('amt'),r=num('rate'),d1=$('due').value,d2=$('pay').value||today,n=0;\n if(d1&&\/^\\d{4}-\/.test(d1)&&\/^\\d{4}-\/.test(d2))n=Math.round((Date.parse(d2)-Date.parse(d1))\/864e5);\n n=Math.max(0,Math.min(n,36600));var i=Math.round(a*r\/100*n\/365*100)\/100;return {a:a,r:r,n:n,i:i,d1:d1,d2:d2}}\nfunction render(){var c=calc(),late=c.n>0&&c.a>0;$('none').hidden=!(c.d1&&c.n<=0);$('res').hidden=!!(c.d1&&c.n<=0);\n $('n').textContent=c.n;$('i').textContent=money(c.i);$('t').textContent=money(c.a+c.i);\n $('line').hidden=!late;if(late)$('line').textContent=D.line.replace('{r}',pct(c.r)).replace('{a}',money(c.a)).replace('{d1}',dt(c.d1)).replace('{d2}',dt(c.d2)).replace('{n}',c.n).replace('{i}',money(c.i));\n $('copy').hidden=!late}\ncard.addEventListener('input',render);card.addEventListener('change',render);\n$('copy').addEventListener('click',function(){var b=this,t=$('line').textContent;(navigator.clipboard?navigator.clipboard.writeText(t):Promise.reject()).then(function(){b.textContent=D.copied;b.classList.add('done');setTimeout(function(){b.textContent=D.copy;b.classList.remove('done')},2000)},function(){})});\nrender();\n})();\n<\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-97d402d op-how elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97d402d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55f0dd5\" data-id=\"55f0dd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf537db elementor-widget elementor-widget-heading\" data-id=\"bf537db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How it is calculated<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c9c78d elementor-widget elementor-widget-text-editor\" data-id=\"5c9c78d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Late payment interest is worked out like this: outstanding amount \u00d7 annual rate \u00d7 days overdue \u00f7 365. On CHF 1&#8217;000.- paid 60 days late, at 5% it comes to CHF 8.22.<\/p><p>The statutory rate is 5% a year (Art. 104 of the Swiss Code of Obligations), unless the contract sets a different one. The debtor is in default from the due date if a specific payment date was agreed; otherwise from the formal reminder (Art. 102 CO). No further interest is charged on late payment interest (Art. 105 para. 3 CO).<\/p><p>On small amounts the interest is often just a few francs: what matters more is that the person can pay straight away. With the <a href=\"\/en\/payment-reminder-template\/\">payment reminder templates<\/a> you prepare the text for WhatsApp or email, with a <a href=\"\/en\/features\/payment-links\/\">payment link<\/a> for TWINT or card.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8808d0a op-faq elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8808d0a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dba595d\" data-id=\"dba595d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbc5f68 elementor-widget elementor-widget-heading\" data-id=\"dbc5f68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2116a3f elementor-widget elementor-widget-raven-advanced-accordion\" data-id=\"2116a3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;collapsible&quot;:&quot;false&quot;,&quot;scroll_to_content&quot;:&quot;false&quot;}\" data-widget_type=\"raven-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div id=\"jupiterx-advanced-accordion-wrapper\" class=\"jupiterx-advanced-accordion-wrapper\">\n\t\t\t\t<div class=\"jupiterx-advanced-accordion-inner-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-single-advanced-accordion-wrapper  jx-ac-first  jx-ac-inactive\" id=\"\" >\n\t\t\t\t<div class=\"jx-single-accordion-header\">\n\t\t\t\t\t<div class=\"jx-single-accordion-header-left\">\n\t\t\t\t\t\t<div class=\"jx-single-accordion-header-icon-toggle-wrapper jx-single-accordion-header-icon-toggle-wrapper-hide\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"jx-ac-title\">When does late payment interest start?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"jx-single-accordion-header-right\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jx-ac-icon-body-closed jx-ac-toggle-icon fas fa-chevron-right\"><\/i><i aria-hidden=\"true\" class=\"jx-ac-icon-body-opened jx-ac-toggle-icon fas fa-chevron-down\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jx-single-accordion-body  jx-ac-body-none\">\n\t\t\t\t\t<div class=\"jx-ac-content\">\n\t\t\t\t\t\t<div class=\"jx-ac-content-inner-wrapper\">\n\t\t\t\t\t\t\t<div class=\"jupiterx-ac-content-is-editor\"><p>If a specific due date was agreed, from the day after it. Without a fixed date, the debtor is only in default after a formal reminder, that is once you have asked for payment (Art. 102 CO).<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-single-advanced-accordion-wrapper  jx-ac-inactive\" id=\"\" >\n\t\t\t\t<div class=\"jx-single-accordion-header\">\n\t\t\t\t\t<div class=\"jx-single-accordion-header-left\">\n\t\t\t\t\t\t<div class=\"jx-single-accordion-header-icon-toggle-wrapper jx-single-accordion-header-icon-toggle-wrapper-hide\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"jx-ac-title\">Can I charge more than 5%?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"jx-single-accordion-header-right\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jx-ac-icon-body-closed jx-ac-toggle-icon fas fa-chevron-right\"><\/i><i aria-hidden=\"true\" class=\"jx-ac-icon-body-opened jx-ac-toggle-icon fas fa-chevron-down\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jx-single-accordion-body  jx-ac-body-none\">\n\t\t\t\t\t<div class=\"jx-ac-content\">\n\t\t\t\t\t\t<div class=\"jx-ac-content-inner-wrapper\">\n\t\t\t\t\t\t\t<div class=\"jupiterx-ac-content-is-editor\"><p>Only if it was agreed, for example in the contract or in terms and conditions accepted by the customer. Without an agreement, the 5% a year in Art. 104 CO applies.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-single-advanced-accordion-wrapper  jx-ac-inactive\" id=\"\" >\n\t\t\t\t<div class=\"jx-single-accordion-header\">\n\t\t\t\t\t<div class=\"jx-single-accordion-header-left\">\n\t\t\t\t\t\t<div class=\"jx-single-accordion-header-icon-toggle-wrapper jx-single-accordion-header-icon-toggle-wrapper-hide\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"jx-ac-title\">Is interest charged on late payment interest?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"jx-single-accordion-header-right\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jx-ac-icon-body-closed jx-ac-toggle-icon fas fa-chevron-right\"><\/i><i aria-hidden=\"true\" class=\"jx-ac-icon-body-opened jx-ac-toggle-icon fas fa-chevron-down\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jx-single-accordion-body  jx-ac-body-none\">\n\t\t\t\t\t<div class=\"jx-ac-content\">\n\t\t\t\t\t\t<div class=\"jx-ac-content-inner-wrapper\">\n\t\t\t\t\t\t\t<div class=\"jupiterx-ac-content-is-editor\"><p>No. The Code of Obligations rules out interest on late payment interest (Art. 105 para. 3 CO): it is always calculated on the outstanding amount.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-single-advanced-accordion-wrapper  jx-ac-inactive\" id=\"\" >\n\t\t\t\t<div class=\"jx-single-accordion-header\">\n\t\t\t\t\t<div class=\"jx-single-accordion-header-left\">\n\t\t\t\t\t\t<div class=\"jx-single-accordion-header-icon-toggle-wrapper jx-single-accordion-header-icon-toggle-wrapper-hide\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"jx-ac-title\">Is it worth charging late payment interest?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"jx-single-accordion-header-right\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jx-ac-icon-body-closed jx-ac-toggle-icon fas fa-chevron-right\"><\/i><i aria-hidden=\"true\" class=\"jx-ac-icon-body-opened jx-ac-toggle-icon fas fa-chevron-down\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jx-single-accordion-body  jx-ac-body-none\">\n\t\t\t\t\t<div class=\"jx-ac-content\">\n\t\t\t\t\t\t<div class=\"jx-ac-content-inner-wrapper\">\n\t\t\t\t\t\t\t<div class=\"jupiterx-ac-content-is-editor\"><p>For large amounts or long delays, yes, ideally mentioned already in the reminder. On membership fees and small invoices it usually brings in only a few francs and can strain the relationship: a link to pay straight away often works better.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"jupiterx-single-advanced-accordion-wrapper  jx-ac-last  jx-ac-inactive\" id=\"\" >\n\t\t\t\t<div class=\"jx-single-accordion-header\">\n\t\t\t\t\t<div class=\"jx-single-accordion-header-left\">\n\t\t\t\t\t\t<div class=\"jx-single-accordion-header-icon-toggle-wrapper jx-single-accordion-header-icon-toggle-wrapper-hide\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"jx-ac-title\">Is the calculation saved?<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"jx-single-accordion-header-right\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jx-ac-icon-body-closed jx-ac-toggle-icon fas fa-chevron-right\"><\/i><i aria-hidden=\"true\" class=\"jx-ac-icon-body-opened jx-ac-toggle-icon fas fa-chevron-down\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jx-single-accordion-body  jx-ac-body-none\">\n\t\t\t\t\t<div class=\"jx-ac-content\">\n\t\t\t\t\t\t<div class=\"jx-ac-content-inner-wrapper\">\n\t\t\t\t\t\t\t<div class=\"jupiterx-ac-content-is-editor\"><p>No. The calculation runs in your browser and we neither send nor store amounts or dates.<\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e45dab op-jsonld elementor-widget elementor-widget-html\" data-id=\"6e45dab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@graph\": [{\"@type\": \"WebApplication\", \"@id\": \"https:\/\/www.1pay.ch\/en\/late-payment-interest-calculator\/#app\", \"name\": \"Late payment interest calculator\", \"description\": \"How much late payment interest can you charge on an overdue invoice in Switzerland? Enter the amount and dates: we work out the days overdue and interest at 5% a year.\", \"url\": \"https:\/\/www.1pay.ch\/en\/late-payment-interest-calculator\/\", \"inLanguage\": \"en\", \"applicationCategory\": \"BusinessApplication\", \"operatingSystem\": \"Web\", \"isAccessibleForFree\": true, \"offers\": {\"@type\": \"Offer\", \"price\": \"0\", \"priceCurrency\": \"CHF\"}, \"provider\": {\"@id\": \"https:\/\/www.1pay.ch\/#organization\"}}, {\"@type\": \"FAQPage\", \"@id\": \"https:\/\/www.1pay.ch\/en\/late-payment-interest-calculator\/#faq\", \"inLanguage\": \"en\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"When does late payment interest start?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If a specific due date was agreed, from the day after it. Without a fixed date, the debtor is only in default after a formal reminder, that is once you have asked for payment (Art. 102 CO).\"}}, {\"@type\": \"Question\", \"name\": \"Can I charge more than 5%?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Only if it was agreed, for example in the contract or in terms and conditions accepted by the customer. Without an agreement, the 5% a year in Art. 104 CO applies.\"}}, {\"@type\": \"Question\", \"name\": \"Is interest charged on late payment interest?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. The Code of Obligations rules out interest on late payment interest (Art. 105 para. 3 CO): it is always calculated on the outstanding amount.\"}}, {\"@type\": \"Question\", \"name\": \"Is it worth charging late payment interest?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For large amounts or long delays, yes, ideally mentioned already in the reminder. On membership fees and small invoices it usually brings in only a few francs and can strain the relationship: a link to pay straight away often works better.\"}}, {\"@type\": \"Question\", \"name\": \"Is the calculation saved?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. The calculation runs in your browser and we neither send nor store amounts or dates.\"}}]}]}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9027281 op-more-tools elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9027281\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f5313b\" data-id=\"1f5313b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86c1c7e elementor-widget elementor-widget-heading\" data-id=\"86c1c7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More free tools<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59a469f op-tools elementor-widget elementor-widget-html\" data-id=\"59a469f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.op-tl{display:grid;grid-template-columns:repeat(auto-fill,minmax(var(--op-tl-min,300px),1fr));gap:18px;max-width:1140px;margin:0 auto;font-family:Poppins,Arial,sans-serif;text-align:left}html body a.op-tl-c{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid #D5DCE2;border-radius:16px;padding:24px;text-decoration:none!important;color:#2A2F33!important;transition:box-shadow .2s,border-color .2s}html body a.op-tl-c:hover,html body a.op-tl-c:focus-visible{border-color:#27509C;box-shadow:0 12px 28px rgba(16,24,40,.08)}.op-tl-c i,.op-tl-c svg{color:#27509C;fill:#27509C;font-size:22px;width:22px;height:22px}.op-tl-c b{font-size:1.08rem;font-weight:600;color:#1D3D78;line-height:1.3}.op-tl-c span{font-size:.94rem;line-height:1.55;color:#5B6B70}.op-tl-c em{margin-top:auto;padding-top:6px;font-style:normal;font-weight:600;font-size:.92rem;color:#27509C}<\/style><div class=\"op-tl\" style=\"--op-tl-min:230px\"><a class=\"op-tl-c\" href=\"\/en\/fee-calculator\/\"><i class=\"fas fa-calculator\" aria-hidden=\"true\"><\/i><b>Fee calculator<\/b><span>Enter your takings and number of payments to see which plan pays off.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/nonprofit-calculator\/\"><i class=\"fas fa-hand-holding-heart\" aria-hidden=\"true\"><\/i><b>Nonprofit calculator<\/b><span>For associations: find out when the Nonprofit plan pays for itself.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/payment-solution-finder\/\"><i class=\"fas fa-map-signs\" aria-hidden=\"true\"><\/i><b>How should you take payments?<\/b><span>Answer a few questions and find the payment methods that suit you.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/qr-bill-check\/\"><i class=\"fas fa-qrcode\" aria-hidden=\"true\"><\/i><b>Check your QR-bill<\/b><span>Upload a photo or screenshot: we check the data against the Swiss rules, in your browser.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/payment-reminder-template\/\"><i class=\"fas fa-comment-dots\" aria-hidden=\"true\"><\/i><b>Payment reminders<\/b><span>Your reminder ready for WhatsApp or email, in the right tone.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/vat-calculator\/\"><i class=\"fas fa-percent\" aria-hidden=\"true\"><\/i><b>VAT calculator<\/b><span>Add or remove Swiss VAT (8.1%, 2.6%, 3.8%) from any amount.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/qr-bill-generator\/\"><i class=\"fas fa-file-invoice\" aria-hidden=\"true\"><\/i><b>QR-bill generator<\/b><span>The payment part with QR code, ready to print or save as PDF, following the SIX 2.4 rules.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/net-price-calculator\/\"><i class=\"fas fa-tags\" aria-hidden=\"true\"><\/i><b>Net price calculator<\/b><span>How much to charge to receive the amount you want, fee included.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/iban-check\/\"><i class=\"fas fa-university\" aria-hidden=\"true\"><\/i><b>Check an IBAN<\/b><span>Valid or not, which country and whether it is a QR-IBAN.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/cost-of-cash-calculator\/\"><i class=\"fas fa-coins\" aria-hidden=\"true\"><\/i><b>What does cash cost you?<\/b><span>Time to count and deposit, fees and differences: the real cost of cash, with your own figures.<\/span><em>Open the tool \u2192<\/em><\/a><a class=\"op-tl-c\" href=\"\/en\/membership-fees-calculator\/\"><i class=\"fas fa-users\" aria-hidden=\"true\"><\/i><b>Membership fees<\/b><span>Members and fee: what the association keeps on Starter or Nonprofit.<\/span><em>Open the tool \u2192<\/em><\/a><\/div><p style=\"text-align:center;margin:24px 0 0\"><a href=\"\/en\/free-tools\/\" style=\"font-weight:600;color:#27509C\">All tools \u2192<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How much late payment interest can you charge on an overdue invoice in Switzerland? Enter the amount and dates: we work out the days overdue and interest at 5% a year.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7207","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/pages\/7207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/comments?post=7207"}],"version-history":[{"count":7,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/pages\/7207\/revisions"}],"predecessor-version":[{"id":7476,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/pages\/7207\/revisions\/7476"}],"wp:attachment":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media?parent=7207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}