What happens after the due date
An unpaid instalment whose due date has passed is marked overdue. The system adds a late penalty that grows the longer the instalment stays unpaid, and the payment screen charges the penalty-inclusive total. An overdue balance blocks new orders until it is resolved.
How the penalty is calculated
- The penalty builds up daily and is capped at 25% of the instalment amount.
- Weekly plan: about 3.57% per day late, reaching the 25% cap after 7 days overdue.
- Bi-weekly plan: about 1.79% per day late, reaching the cap after 14 days overdue.
- Monthly plan: about 0.83% per day late, reaching the cap after 30 days overdue.
Important: The exact amount shown on the payment screen for your instalment is always the authoritative figure — these rates explain how it is calculated, not a substitute for checking the live amount.
What to do
- Open the overdue instalment and review the current amount due, including any penalty.
- Pay through the gateway offered in the app and wait for verification.
- If you cannot pay or believe the due date, penalty or status is wrong, open a support ticket before attempting another purchase.
- Keep payment reminders and due-date alerts enabled in account settings.
Serious or repeated non-payment
The legal documents allow CanPay to suspend or terminate access for non-payment and pursue recovery steps. Support can discuss an account-specific problem, but cannot waive a charge, change a due date or promise a recovery outcome.
late paymentmissed paymentoverduepenaltypayment reminderaccount suspension