Polish late payment act: check payment terms against the 60- and 30-day limits

The Polish Act on counteracting excessive delays in commercial transactions limits payment terms: 60 days between businesses (with no exception when a large company pays an SME) and 30 days for public entities (60 days for public healthcare entities). A longer term between businesses, or acceptance longer than 30 days, is allowed only if expressly agreed and not grossly unfair to the creditor, and clauses excluding interest or compensation are void. The list shows the longest payment term in the contract with a verbatim quote.

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Wording in force since

2023-01-24

Wording after the reform of 1 January 2020 and the last change affecting contracts on 24 January 2023 (Art. 9a); consolidated text Dz.U. 2023 item 1790. No further changes to these provisions as of 10 October 2026.

Checked against current law: 2026-10-10

Our measurement

Payment term right in 8 of 8 documents; overall precision 81%, recall 89% at the first blind pass, 95%/95% after fixes (8 contracts and terms; small sample)

What we check (3 provisions)

  • Payment term of no more than 60 days from delivery of the invoice

    art. 7 ust. 2 i 2a · applies to: business-to-business; a longer term only if expressly agreed and not grossly unfair, and never for a large enterprise paying an SME

  • Payment term of a public entity of no more than 30 days (60 days for a public healthcare entity)

    art. 8 ust. 2 · applies to: the debtor is a public entity; for a public healthcare entity the limit is 60 days

  • Acceptance or verification procedure of no more than 30 days

    art. 9 ust. 2 · applies to: where the contract provides for inspecting goods or services before payment

Prohibited provisions

  • Prohibited: the contract fixes the day the invoice is deemed delivered

    art. 8a

  • Prohibited: excluding or limiting statutory interest for late payment

    art. 13 ust. 1 w zw. z art. 7 ust. 1 i art. 8 ust. 1

  • Prohibited: excluding the recovery-cost compensation (EUR 40/70/100)

    art. 13 ust. 1 w zw. z art. 10

What the result looks like

For each provision you get "found" with a verbatim quote and the file name, or "not found in the documents". The quote comes verbatim from the document (for scans: from the OCR text), so you can check it in the original in seconds.

The checklist result is not AI-written text: the same version of KROTKA gives the same result for the same document. It does not judge whether a provision is adequate; that is the lawyer's call. We do not guarantee that every provision or every gap is detected. This is general information, not legal advice.

Frequently asked questions

What must a Polish commercial contract with payment terms contain?

Under Polish Act of 8 March 2013 on counteracting excessive delays in commercial transactions (consolidated text Dz.U. 2023 item 1790): Articles 7, 8, 8a, 9, 10, 13: payment term of no more than 60 days from delivery of the invoice; payment term of a public entity of no more than 30 days (60 days for a public healthcare entity); acceptance or verification procedure of no more than 30 days. The contract must not contain: the contract fixes the day the invoice is deemed delivered; excluding or limiting statutory interest for late payment; excluding the recovery-cost compensation (EUR 40/70/100). KROTKA checks each of these provisions separately.

Does KROTKA use AI to check the contract?

The checklist result is not AI-written text. The same version of KROTKA gives the same result for the same document, and every provision found is shown as a verbatim quote (for scans: from the OCR text) that you can check. The optional AI summary is off by default and does not affect the checklist result.

Which version of the law do you compare with?

Wording in force since 24 January 2023; checked against current law on 10 October 2026. Wording after the reform of 1 January 2020 and the last change affecting contracts on 24 January 2023 (Art. 9a); consolidated text Dz.U. 2023 item 1790. No further changes to these provisions as of 10 October 2026.

How accurate is the list?

Our measurement: Payment term right in 8 of 8 documents; overall precision 81%, recall 89% at the first blind pass, 95%/95% after fixes (8 contracts and terms; small sample). The first figure is on agreements the engine had not seen, compared with independently prepared annotations; the "after fixes" figure is on the same agreements after the rules were adjusted and does not indicate performance on new documents. Samples are small. We do not guarantee that the list detects every provision or every gap; the user is responsible for assessing compliance and the correctness of the agreement.

Does KROTKA judge whether a clause is adequate?

No. It shows whether and where the provision appears. Judging its content is the lawyer's job. "Not found" means the engine found no such provision in the uploaded documents. KROTKA does not provide legal advice.

Is a payment term over 60 days always void?

Not always. Between businesses a longer term is allowed if expressly agreed and not grossly unfair to the creditor, but not when a large enterprise pays a micro, small or medium one: then the 60-day limit is absolute. The list shows the longest term found; deciding which case applies is up to you.

Are my documents stored?

No. Files are processed on our compute provider (Modal, USA) and deleted right after the analysis; we do not keep document content or use it to train models.

How much does a check cost?

Up to 20 pages a month free. A single matter up to 150 pages is €24, the Professional plan €59 a month for 2,000 pages. Every list runs on every analysis.

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Check your contract

Upload your contract: after the analysis this checklist opens first. Up to 20 pages a month free; files are not stored.