Can I use different tiers on different invoices?

Tiers are snapshotted from org settings when each smart invoice is created. Edit org defaults before creating new invoices to change tiers going forward. Existing open smart invoices keep the tiers they were created with.

What if a client pays on the due date?

If no early or late tier matches that calendar day, the base invoice total applies with no adjustment. The pay page label reads Pay by due date — no adjustment.

Do smart invoices work with partial payments?

Yes. Each payment reduces the smart-adjusted balance due. The adjustment is recalculated using the payment date when a tranche is recorded.

Smart invoices

Reward early payers and apply tiered late fees — automatically tied to the due date.

Smart invoices add date-based pricing on top of standard fiat-quoted billing. Configure early-payment discount tiers (for example 5% at 14 days early, 3% at 7 days, 1% at 3 days) and late-fee tiers (for example 2% after 1 day overdue, 5% after 7 days, 10% after 14 days) in Settings → Smart invoices. Enable the smart invoice toggle when you create or edit an unpaid invoice. The adjustment is calculated from calendar days relative to the due date and shown everywhere finance and clients look — invoice detail, hosted pay page, and PDF exports.

Smart invoice with early payment discount tiers and late fee adjustment on balance due

Last reviewed June 19, 2026

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Configure tiers once, reuse on every smart invoice

Org-wide defaults live in Settings → Smart invoices. Turn the feature on, define early discount tiers (days before due + percent off) and late fee tiers (days after due + percent added). When you create a smart invoice, Settlematic snapshots those tiers onto the invoice so later settings changes do not rewrite open bills.

Early tiers: reward payment N or more days before due date
Late tiers: apply the highest matching fee when payment is N or more days overdue
Default starter tiers: 14/7/3-day early discounts and 1/7/14-day late fees
Per-invoice toggle in the invoice builder Payment step
Unpaid invoices can switch back to standard pricing by disabling smart mode

How the adjustment is calculated

Settlematic compares today's date (or the payment date when a payment is recorded) to the invoice due date. Pay early and the best matching early tier reduces the total. Pay late and the best matching late tier increases it. Pay on the due date with no matching tier and the base invoice total applies unchanged.

Based on calendar days from due date — not business days
Percent applies to the invoice base total (after line items, tax, and row discounts)
Hosted pay page shows base total, adjustment line, and amount due today
On-chain and manual payments use the payment date for the final adjustment at settlement
Partial payments reduce the smart-adjusted balance due remaining

Visible on every client and finance touchpoint

Smart pricing is not a back-office spreadsheet. Clients see the effective amount due on the hosted payment page before they send crypto. Finance sees the same breakdown on invoice detail, in preview PDFs, and on receipts after payment — so collections, AP, and treasury agree on what was owed and what was paid.

Smart invoice summary card on invoice detail and pay page
PDF and receipt exports show early discount or late fee lines when applicable
Label explains the tier in plain language (for example 7 days early — 3% discount)
Works alongside partial payments and multi-asset checkout

Common questions

Can I use different tiers on different invoices?: Tiers are snapshotted from org settings when each smart invoice is created. Edit org defaults before creating new invoices to change tiers going forward. Existing open smart invoices keep the tiers they were created with.
What if a client pays on the due date?: If no early or late tier matches that calendar day, the base invoice total applies with no adjustment. The pay page label reads Pay by due date — no adjustment.
Do smart invoices work with partial payments?: Yes. Each payment reduces the smart-adjusted balance due. The adjustment is recalculated using the payment date when a tranche is recorded.

Common use cases

Agencies offering 3% off for payment within a week of invoice send
SaaS teams discouraging overdue AP with escalating late fees
Consultancies aligning crypto checkout with existing Net-14 early-pay policies

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