The payment term is the period within which your customer is meant to pay. From it Zirko works out the due date of every invoice — and that decides when an invoice counts as overdue and when the reminder run starts.
Settings → Accounting → Payment term & early payment discount.
What you set
- Payment term on or off
- Days — 1 to 365. The default is 7 days.
- Early payment discount — only appears once the payment term is switched on
- Discount period in days and Early payment discount in percent, for example 7 days and 3.00 %
The discount period must not be longer than the payment term. Otherwise the deduction would still be available when the invoice is already due. Zirko does not save that.
Three levels, and the lower one wins
What you set here is a default, not a fixed rule:
- Business — what is set here applies wherever nothing else is specified.
- Customer — a customer can have a payment term of their own. A big client with a 30-day payment run gets it entered once and never again.
- Document — the individual invoice wins, and it does so field by field. So you can change the days and let the discount be inherited.
The document says where the value comes from: “Taken from the settings.” or “Taken from the contact.” — each with the addition “An entry here applies to this document only.”
Changes take effect on open drafts
The default is not copied into the document when you create it. If you change it here from 7 to 14 days, that applies to all drafts that have not been finalized yet.
Issued invoices do not change — they cannot be changed under GoBD (Germany; in other countries the local equivalent applies).
On a single invoice
In the closing block of the document there is a Payment term switch and three fields with it: payment term in days, discount in percent, discount period in days.
If you switch it off there, this one invoice has no payment term — not even if there is one at the business. That is something different from “just nothing entered”: an empty field means “the default applies”.