Write payment terms customers can't say they missed

Help me write payment terms customers will read and understand.

My business: [what you do]
Who my customers are: [households, businesses or both]
How I want to be paid: [e.g. deposit, stage payments, on completion]
When: [e.g. within 14 days of invoice]
How: [e.g. bank transfer, card, payment link]
What happens if someone pays late: [e.g. reminder, then a call, or interest for business customers]

Ask me up to 3 short questions first. Wait for my answers.

Then:
1. Payment terms in 5 short points, for quotes and my website.
2. A two-line version for invoices.
3. A sentence to say out loud when agreeing a job.
4. A reminder message for the due date.
5. What to check with official guidance, such as rules on late payment interest for business customers.

Plain English, no legal jargon. Not legal advice. UK English.

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