How to urge customers to settle the payment?

Step 1: Call the customer to remind him. It is necessary to explain the name, amount, date and due date of the payment to the customer, ask the customer's details and the expected payment date, and use the telephone dunning skills to complete the customer dunning work.

Step 2: Send an email to confirm. The official email explains the payment situation, further clarifies the payment process and amount, indicates the payment period, and publicizes the repayment intention by telephone. Generally, cooperative enterprises will complete the payment collection after confirmation by telephone or email.

Step 3: the salesman visits at home. If after the second step, the customer has no payment action or refusal interface, the salesman needs to come to the door to discuss the payment with the customer face to face. A variety of dunning techniques can be used here.

Step 4: Formal dunning notice. When customers have the ability to pay back the money and refuse to pay it back, building materials enterprises need to issue such a dunning notice, which can keep court evidence just in case. This is also the last effort before going to court.

Step 5: Send a lawyer's letter. After the normal dunning process before, the customer was tough and resolutely refused to pay.

Settlement method:

Settlement, also known as monetary settlement, is a monetary receipt and payment behavior caused by economic activities such as commodity trading, labor supply and capital distribution between economic units under the condition of commodity economy. Settlement is divided into cash settlement, bill transfer and transfer settlement according to different payment forms. Cash settlement is direct cash receipt and payment by both parties.

The transfer of bills indicates the relationship between creditor's rights and debts through the payment of bills. Transfer settlement is a monetary receipt and payment behavior that transfers money from the payer's account to the payee's account through a bank or online payment platform.

In social and economic activities such as commodity trading and labor supply, settlement belongs to exchange. Exchange is the unity of two opposing processes, namely, the delivery of goods and services and the currency of payment. Between the normal subjects of freedom and equality, the exchange follows the principle of reciprocity and synchronization. Synchronous exchange is the guarantee of equivalent exchange. In many cases, due to the acceptance process of trading objects (such as the transfer of goods and services), the contradiction between unsynchronized and separated commodity flows and capital flows is inevitable. In asynchronous exchange, the party who receives the consideration first is likely to violate morality and agreement and undermine the principle of equal exchange, so the party who pays the consideration first will often be subject to others, be in a passive and weak position and take risks.

Asynchronous exchange must have credit guarantee or legal support, and the exchange can be successfully completed. Therefore, in order to ensure the equivalent exchange, we should follow the principle of synchronous exchange and guard against the risk of asynchronous exchange. This requires the payment currency to adapt to the delivery process and realize synchronous exchange.

According to the principle of synchronous exchange, settlement methods can be divided into one-time payment method and step-by-step payment method. For face-to-face spot transactions, one-step payment methods such as cash settlement and bill transfer are suitable for immediate direct payment. Wire transfer and online direct transfer in transfer settlement are also in one step. Transfer settlement is generally applicable to cross-border spot transactions, but there is no credit guarantee or legal support.

One-step payment leads to asynchronous exchange, which easily leads to the risk of unequal exchange. In reality, the buyer can't harvest the target on time after paying first, the seller can't receive the price in full and on time after delivering first, and events such as delay, discount or refusal to pay occur from time to time.

For cross-border or futures transactions, the step-by-step payment method corresponding to the delivery target process should be adapted. For example, in international trade, both L/C settlement and third-party payment settlement are paid by steps. In e-commerce, payment has become one of the bottlenecks restricting its development. The seller is unwilling to deliver the goods first, for fear that he will not receive the payment after delivery. Buyers are unwilling to pay first, for fear that they will not get the goods after payment or the quality of the goods will not be guaranteed.

The result of the game is that both sides are unwilling to take the risk of asynchronous exchange or unequal exchange, and online shopping cannot be carried out. In order to meet the market demand of contract transactions, third-party payment came into being. In this way, the money is not transferred to the other party from the start-up payment to the ownership in one step, but an intermediary custody link is added in the middle, from direct payment to indirect remittance, and the business is changed from one-step completion to step operation.

So as to form a monitorable and controllable process, and make conditional payment step by step. In this way, goods can take the road of goods, and money can take the road of money, echoing each other and rising and falling synchronously, so that the capital flow can adapt to the rhythm of goods logistics and achieve corresponding results, and the payment and settlement method can be more scientific and reasonable to meet market demand. By the end of 20 10, third-party payment products such as Alipay, Tenpay and Baifubao were mainly oriented to e-commerce. In addition, there are offline non-e-commerce service products such as Bao futong of Shanghai Pudong Development Bank and Bai Yi 'an of China Construction Bank.

Third-party payment will become a common payment and settlement method under the popularization of online and offline, and the payment and settlement system will be more scientific and perfect by realizing synchronous exchange of step-by-step payment.