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# Paying an Invoice

The step-by-step for paying an invoice we've issued. Almost
always a bank transfer (see [Payment methods](payment-methods)
for cash and the marketplace-only Stripe path).

## One invoice, one payment

Every invoice we issue is meant to be **paid in full** when
it's sent — not split into instalments against the same
invoice. If your project is staged across multiple phases,
each phase gets its **own** invoice and each is paid in full
separately. See
the *One invoice per project phase* section of
[Your first invoice](your-first-invoice)
for how phasing works.

If you need to spread a payment further than the proposal
already does, ask **before** we issue the invoice — we can
revise the proposal to add an extra phase. Once the invoice
is out, the amount on it is the amount we expect.

## What you need

- The **invoice** open in the portal (Invoices menu → click the
  row → the invoice opens) or as a PDF download.
- Your **bank's app or web banking** — wherever you usually
  initiate a transfer.

## The flow

1. **Open the invoice.** Sign in, go to **Invoices**, click the
   invoice you want to pay. Or work from the downloaded PDF.
2. **Pick one of our bank accounts.** The invoice lists more
   than one — choose whichever is easiest for you (same bank
   as you, lowest transfer fee, etc.).
3. **Set up the transfer in your banking app.** Use the
   **IBAN** as the destination account and the **bank name** /
   **BIC** if your bank asks for them.
4. **Enter the amount.** The grand total at the bottom of the
   invoice — not part of it, not rounded down. Banks won't
   reject a slightly-too-high amount but will reject one
   that's too low.
5. **Set the payment reference.** Copy the invoice number
   as printed (e.g. `INV-0543`) or the suggested reference
   text from the invoice. This is what lets us match the
   incoming money to the right invoice automatically.
6. **Submit the transfer.**

That's it from your side. Once the transfer clears in our
account, we mark the invoice as **Paid** in the portal — you
don't need to confirm it to us separately.

## How long it takes us to register

- **Domestic Greek transfer (between Greek banks).** Usually
  arrives the same working day. We typically reconcile within
  one working day after that.
- **SEPA transfer (EU, in EUR).** Usually arrives within 1-3
  working days. Same one-day reconciliation after that.
- **International transfer (non-SEPA).** Slower — anywhere
  from several days to a week, plus bank fees that may reduce
  the amount we receive. If your transfer crosses currencies
  or comes from outside the EU, tell us in advance so we can
  agree on how to handle any short-payment.

## Paying for someone else / from a different account

You can pay from any bank account — it doesn't have to be in
your company's name. Two things make it easier on our end:

- **Use the invoice number as the reference.** That's the
  reliable matching key, regardless of who's transferring.
- **Send us a note** (reply to the invoice email) if the
  account-name on the transfer is different from your company
  name, so we don't mistake it for an unrelated incoming
  payment.

## I sent the transfer but the invoice still says unpaid

Wait the times above first. If it's been longer:

- **Check your bank confirmed the transfer succeeded** (not
  pending, not failed). Some banks queue same-bank transfers
  for batch processing.
- **Check the reference.** A typo or missing reference doesn't
  block the payment but does delay our reconciliation.
- **Reply to the invoice email** with the date, amount, and
  reference. We'll trace it from our side and mark the
  invoice paid once we've matched it.

## I paid the wrong amount

Reply to the invoice email immediately:

- **Overpaid?** We can refund the difference or credit it
  against your next invoice — your choice.
- **Underpaid?** No problem; send a second transfer for the
  difference using the same reference. The invoice stays
  open until the full amount lands.

## What we won't do by email

- **Email you new bank details out of the blue.** If you get
  an email claiming *"our IBAN has changed"*, **stop and call
  us** before paying. Invoice-redirect fraud is common — our
  real bank accounts only change in the proposal and invoice
  documents inside the portal, never by an unsolicited email.