{
  "_about": "PagoFix rules table. Data, not code: the calculator reads everything below. Every number has a source and a status. status = verified (official text/source opened by us, date in 'checked'), unverified (taken from the analysis where it is tagged [KM] or [J], official text not opened), needs_input (no verified number; do not invent). Analysis = /home/box/shared/pagofix/allikad/idee_payup.md.",
  "version": "2026-10-31",
  "checked": "2026-10-31",
  "dayCountBasis": 365,
  "dayCountNote": "Actual days / 365. Assumption [J]: none of the opened texts fixes a day-count convention; 365 is the common practice. Change here if a country requires otherwise.",
  "referenceSeries": {
    "ECB_MRO": {
      "label": "ECB main refinancing operations rate (fixed rate)",
      "kind": "changes",
      "status": "verified",
      "source": "https://data-api.ecb.europa.eu/service/data/FM/D.U2.EUR.4F.KR.MRR_FR.LEV",
      "sourceNote": "Fetched 2026-10-31 from the ECB data API (official). Matches analysis section 3.1 [K10]: 2.15% from 1.1.2026, 2.40% from 17.6.2026, 2.65% from 16.9.2026. The server also tries a live fetch; this table is the fallback. First row corrected 31.10.2026: 4.50% is in force since 20.9.2023 (ECB Data API), needed for laws that use the last rate before 1.1.2024.",
      "values": [
        {
          "from": "2023-09-20",
          "rate": 4.5
        },
        {
          "from": "2024-06-12",
          "rate": 4.25
        },
        {
          "from": "2024-09-18",
          "rate": 3.65
        },
        {
          "from": "2024-10-23",
          "rate": 3.4
        },
        {
          "from": "2024-12-18",
          "rate": 3.15
        },
        {
          "from": "2025-02-05",
          "rate": 2.9
        },
        {
          "from": "2025-03-12",
          "rate": 2.65
        },
        {
          "from": "2025-04-23",
          "rate": 2.4
        },
        {
          "from": "2025-06-11",
          "rate": 2.15
        },
        {
          "from": "2026-06-17",
          "rate": 2.4
        },
        {
          "from": "2026-09-16",
          "rate": 2.65
        }
      ],
      "knownUntil": "2026-10-31"
    },
    "DE_BASISZINSSATZ": {
      "label": "Basiszinssatz (§ 247 BGB)",
      "kind": "halfyear",
      "status": "verified",
      "source": "https://www.bundesbank.de/de/bundesbank/organisation/agb-und-regelungen/basiszinssatz-607820",
      "sourceNote": "Bundesbank table opened 2026-10-31; 1.52% from 1.7.2026 also in Bundesbank press release 30.06.2026 (analysis [K7b]).",
      "values": [
        {
          "from": "2024-01-01",
          "rate": 3.62
        },
        {
          "from": "2024-07-01",
          "rate": 3.37
        },
        {
          "from": "2025-01-01",
          "rate": 2.27
        },
        {
          "from": "2025-07-01",
          "rate": 1.27
        },
        {
          "from": "2026-01-01",
          "rate": 1.27
        },
        {
          "from": "2026-07-01",
          "rate": 1.52
        }
      ],
      "knownUntil": "2026-12-31"
    },
    "PL_NBP_REF": {
      "label": "NBP reference rate (stopa referencyjna)",
      "kind": "changes",
      "status": "verified",
      "source": "https://static.nbp.pl/dane/stopy/stopy_procentowe_archiwum.xml",
      "sourceNote": "Official NBP XML (archive + current file https://static.nbp.pl/dane/stopy/stopy_procentowe.xml, published 2026-03-05), opened 2026-10-31. Current 3.75% since 2026-03-05. Re-checked 31.10.2026: still 3.75% (XML published 2026-03-05, no later decision).",
      "values": [
        {
          "from": "2023-10-05",
          "rate": 5.75
        },
        {
          "from": "2025-05-08",
          "rate": 5.25
        },
        {
          "from": "2025-07-03",
          "rate": 5.0
        },
        {
          "from": "2025-09-04",
          "rate": 4.75
        },
        {
          "from": "2025-10-09",
          "rate": 4.5
        },
        {
          "from": "2025-11-06",
          "rate": 4.25
        },
        {
          "from": "2025-12-04",
          "rate": 4.0
        },
        {
          "from": "2026-03-05",
          "rate": 3.75
        }
      ],
      "knownUntil": "2026-10-31"
    },
    "AT_BASISZINSSATZ": {
      "label": "Basiszinssatz (OeNB, Austria)",
      "kind": "changes",
      "status": "verified",
      "source": "https://www.oenb.at/isawebstat/stabfrage/createReport?report=2.1",
      "sourceNote": "OeNB table \"Basis- und Referenzzinssatz\" opened 2026-10-31 (last change 05.10.2026). The Austrian Basiszinssatz moves only when the ECB rate changes by at least 0.5 pp (per OeNB), so it differs from the ECB rate. Values before 20.9.2023 not entered.",
      "knownUntil": "2026-10-31",
      "values": [
        {
          "from": "2023-09-20",
          "rate": 3.88
        },
        {
          "from": "2024-09-18",
          "rate": 3.03
        },
        {
          "from": "2024-12-18",
          "rate": 2.53
        },
        {
          "from": "2025-03-12",
          "rate": 2.03
        },
        {
          "from": "2025-06-11",
          "rate": 1.53
        },
        {
          "from": "2026-09-16",
          "rate": 2.03
        }
      ]
    }
  },
  "laws": {
    "EU_MIN": {
      "name": "EU minimum (Directive 2011/7/EU)",
      "versions": [
        {
          "validFrom": "2013-03-16",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceRule": "Rate in force on 1 January applies to Jan–Jun, rate in force on 1 July to Jul–Dec (art. 3(2)).",
          "marginPp": 8,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "Directive 2011/7/EU, art. 2(6)–(7), art. 3(1)–(2)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b): 30 days after receipt of the invoice",
            "compensation": "Directive 2011/7/EU, art. 6(1)–(2)"
          },
          "sources": [
            "https://eur-lex.europa.eu/legal-content/ET/TXT/?uri=CELEX:32011L0007"
          ],
          "sourceNote": "Analysis 3.1 [K5]. Member-state law may be more generous; for countries without their own row PagoFix applies this minimum and says so."
        }
      ]
    },
    "DE": {
      "name": "Germany (BGB)",
      "versions": [
        {
          "validFrom": "2014-07-29",
          "validTo": null,
          "status": "verified",
          "reference": "DE_BASISZINSSATZ",
          "referenceRule": "Basiszinssatz changes on 1 January and 1 July (§ 247 BGB).",
          "marginPp": 9,
          "compensation": {
            "type": "fixed",
            "eur": 40,
            "note": "Set off against later legal costs (§ 288 Abs. 5 S. 3 BGB)."
          },
          "refs": {
            "interest": "§ 288 Abs. 2 BGB (Basiszinssatz + 9 Prozentpunkte), § 247 BGB",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (German rule: § 286 Abs. 3 BGB, not opened)",
            "compensation": "§ 288 Abs. 5 BGB"
          },
          "sources": [
            "https://www.gesetze-im-internet.de/bgb/__288.html",
            "https://www.bundesbank.de/de/presse/pressemitteilungen/bekanntgabe-des-basiszinssatzes-zum-1-juli-2026-anpassung-auf-1-52--941386"
          ],
          "sourceNote": "Analysis 3.2 [K7a, K7b]: 1.52% + 9 = 10.52% from 1.7.2026."
        }
      ]
    },
    "FR": {
      "name": "France (Code de commerce)",
      "versions": [
        {
          "validFrom": "2019-04-26",
          "validTo": "2026-12-31",
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceRule": "L441-10 II: ECB rate of the most recent refinancing operation + 10 pp; the rate in force on 1 January applies for H1, on 1 July for H2. A contract may set another rate, but not below 3x the taux d'intérêt légal (not modelled).",
          "marginPp": 10,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "Code de commerce, art. L441-10 II (BCE + 10 points)",
            "noDueDate": "Code de commerce, art. L441-10 I (30 jours après réception / exécution)",
            "compensation": "Code de commerce, art. L441-10 II et D441-5 (40 €)"
          },
          "sources": [
            "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038414392/2019-04-26",
            "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000043197457"
          ],
          "sourceNote": "Légifrance (official) opened 2026-10-31: L441-10 version in force 26.4.2019–1.1.2027 (ord. 2019-359). There is no separate 1.9.2026 version (old row date corrected). D441-5 (40 €) in force since 27.2.2021, no later version."
        },
        {
          "validFrom": "2027-01-01",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceRule": "L441-10 II: ECB rate of the most recent refinancing operation + 10 pp; the rate in force on 1 January applies for H1, on 1 July for H2. A contract may set another rate, but not below 3x the taux d'intérêt légal (not modelled).",
          "marginPp": 10,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "Code de commerce, art. L441-10 II (BCE + 10 points)",
            "noDueDate": "Code de commerce, art. L441-10 I (30 jours après réception / exécution)",
            "compensation": "Code de commerce, art. L441-10 II et D441-5 (40 €)"
          },
          "sources": [
            "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000054567689/2027-01-01",
            "https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000043197457"
          ],
          "sourceNote": "Légifrance opened 2026-10-31: L441-10 version from 1.1.2027 (ord. 2026-671 of 27.7.2026, art. 2). Interest rule unchanged (ECB + 10 pp, 1 Jan / 1 Jul, 40 €); only a cross-reference for periodic invoices changed (CGI art. 289 → CIBS L216-34)."
        },
        {
          "validFrom": "2013-03-16",
          "validTo": "2019-04-25",
          "status": "unverified",
          "reference": "ECB_MRO",
          "referenceRule": "Assumed same as 2019 wording (rule was then in art. L441-6, not opened).",
          "marginPp": 10,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "Code de commerce, art. L441-6 (earlier wording — not opened)",
            "noDueDate": "Code de commerce, art. L441-6",
            "compensation": "Code de commerce, art. L441-6 et D441-5"
          },
          "sources": [],
          "sourceNote": "Unverified: before 26.4.2019 the rule was in L441-6 (and L441-10 had an earlier 2019 wording); those texts were not opened."
        }
      ]
    },
    "PL": {
      "name": "Poland (ustawa o przeciwdziałaniu nadmiernym opóźnieniom w transakcjach handlowych)",
      "versions": [
        {
          "validFrom": "2020-01-01",
          "validTo": null,
          "status": "verified",
          "reference": "PL_NBP_REF",
          "referenceRule": "NBP reference rate in force on 1 January (for Jan–Jun) / 1 July (for Jul–Dec) (art. 11b).",
          "marginPp": 10,
          "compensation": {
            "type": "pln_tiers",
            "tiers": [
              {
                "maxPln": 5000,
                "inclusive": true,
                "eur": 40
              },
              {
                "maxPln": 50000,
                "inclusive": false,
                "eur": 70
              },
              {
                "maxPln": null,
                "eur": 100
              }
            ],
            "fxNote": "Tier is chosen by the invoice value in PLN. For EUR invoices PagoFix converts with the NBP average EUR rate of the last working day of the month before the due month (the rate art. 10 ust. 1a uses for the compensation itself) — conversion of the threshold is our assumption [J]."
          },
          "refs": {
            "interest": "Ustawa z 8.3.2013, art. 4 pkt 3 lit. b, art. 7, art. 11b (stopa referencyjna NBP + 10 p.p.)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (Polish rule art. 7 ust. 3, not opened)",
            "compensation": "Ustawa z 8.3.2013, art. 10 ust. 1 (40 / 70 / 100 EUR)"
          },
          "sources": [
            "https://api.sejm.gov.pl/eli/acts/DU/2023/1790/text.html",
            "https://api.sejm.gov.pl/eli/acts/MP/2025/1257/text.pdf",
            "https://api.sejm.gov.pl/eli/acts/MP/2026/642/text.pdf"
          ],
          "sourceNote": "Sejm ELI (official) opened 2026-10-31: consolidated text Dz.U. 2023 poz. 1790; amendment list shows no changes after Dz.U. 2023 poz. 852. Art. 4 pkt 3 lit. b (NBP ref. + 10 p.p.; + 8 p.p. for public health-care debtors), art. 10 ust. 1 (40/70/100 €), art. 10 ust. 1a, art. 11b confirmed. Cross-check with minister announcements: 14.00% for 1.1–30.6.2026 (M.P. 2025 poz. 1257) and 13.75% for 1.7–31.12.2026 (M.P. 2026 poz. 642) — same as PagoFix. Rules before 2020 not modelled."
        }
      ]
    },
    "EE": {
      "name": "Estonia (Võlaõigusseadus)",
      "versions": [
        {
          "validFrom": "2013-04-15",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceRule": "VÕS § 94 lg 1 (pealkiri \"Intress võlasuhtes\"): EKP viimane põhiline refinantseerimisoperatsiooni määr enne 1. jaanuari ja 1. juulit, poolaasta kaupa.",
          "marginPp": 8,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "VÕS § 113 lg 1 ja § 94 lg 1 (EKP määr + 8% aastas)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (VÕS § 113 lg 2 / § 82¹ — not modelled in detail)",
            "compensation": "VÕS § 113¹ lg 1 (40 eurot)"
          },
          "sources": [
            "https://www.riigiteataja.ee/akt/VÕS"
          ],
          "sourceNote": "Riigi Teataja VÕS (current redaction RT I, 20.06.2026, 18) opened 2026-10-31: § 94 lg 1 = ECB MRO rate (last before 1.1/1.7), § 113 lg 1 = § 94 rate + 8% per year, § 113¹ lg 1 = 40 €, § 113¹ lg 4 not for consumer debtors. § 94 heading is \"Intress võlasuhtes\". H2 2026 = 10.40%.",
          "referenceCutoff": "before"
        }
      ]
    },
    "ES": {
      "name": "Spain (Ley 3/2004)",
      "versions": [
        {
          "validFrom": "2013-03-16",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceCutoff": "before",
          "referenceRule": "Ley 3/2004 art. 7.2: ECB rate of the most recent main refinancing operation carried out before the first calendar day of the half-year, + 8 pp; applies for that half-year.",
          "marginPp": 8,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "Ley 3/2004, art. 7.2 (BCE + 8 puntos)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (Ley 3/2004 art. 4 not modelled in detail)",
            "compensation": "Ley 3/2004, art. 8.1 (40 €)"
          },
          "sources": [
            "https://www.boe.es/buscar/act.php?id=BOE-A-2004-21830"
          ],
          "sourceNote": "BOE consolidated text (last update in force 28.07.2013) opened 2026-10-31: art. 7.2 = ECB + 8 pp per half-year, art. 8.1 = fixed 40 € added automatically. \"Per invoice\" is case law, not the article text, so it is not stated here."
        }
      ]
    },
    "IT": {
      "name": "Italy (D.Lgs. 231/2002)",
      "versions": [
        {
          "validFrom": "2013-03-16",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceRule": "D.Lgs. 231/2002 art. 2(1)(e)-(f), art. 5(2): ECB rate of the most recent main refinancing operation, the rate in force on 1 January for H1 and on 1 July for H2, + 8 pp; simple daily interest.",
          "marginPp": 8,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "D.Lgs. 231/2002, art. 2 c. 1 lett. e)-f) e art. 5 c. 2 (BCE + 8 punti)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (D.Lgs. 231/2002 art. 4 not modelled in detail)",
            "compensation": "D.Lgs. 231/2002, art. 6 c. 2 (40 €)"
          },
          "sources": [
            "https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:decreto.legislativo:2002-10-09;231~art2",
            "https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:decreto.legislativo:2002-10-09;231~art5",
            "https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:decreto.legislativo:2002-10-09;231~art6"
          ],
          "sourceNote": "Normattiva (official) opened 2026-10-31. Current wording applies to transactions concluded from 1.1.2013 (D.Lgs. 192/2012 art. 3). 40 € is due without a formal reminder (art. 6 c. 2)."
        }
      ]
    },
    "NL": {
      "name": "Netherlands (wettelijke handelsrente)",
      "versions": [
        {
          "validFrom": "2013-03-16",
          "validTo": null,
          "status": "verified",
          "reference": "ECB_MRO",
          "referenceCutoff": "before",
          "compoundAnnually": true,
          "referenceRule": "BW 6:120 lid 2: ECB rate of the most recent main refinancing operation carried out before the first calendar day of the half-year, + 8 pp. BW 6:119a lid 3: after each year the year's interest is added to the amount (annual compounding).",
          "marginPp": 8,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "BW art. 6:119a lid 1 en 6:120 lid 2 (ECB + 8 procentpunten)",
            "compounding": "BW art. 6:119a lid 3 (rente op rente per jaar)",
            "noDueDate": "BW art. 6:119a lid 2 (30 dagen na ontvangst factuur)",
            "compensation": "BW art. 6:96 lid 4 (ten minste 40 €, zonder aanmaning)"
          },
          "sources": [
            "https://wetten.overheid.nl/BWBR0005289/"
          ],
          "sourceNote": "wetten.overheid.nl, Burgerlijk Wetboek Boek 6 (version in force from 16.07.2026) opened 2026-10-31. Corrections vs. analysis: (1) interest compounds yearly (6:119a lid 3) — now calculated; (2) B2B 40 € is a statutory minimum due from the day after the due date without reminder (6:96 lid 4), not \"by agreement\"."
        }
      ]
    },
    "AT": {
      "name": "Austria (UGB)",
      "versions": [
        {
          "validFrom": "2013-03-16",
          "validTo": null,
          "status": "verified",
          "reference": "AT_BASISZINSSATZ",
          "referenceRule": "UGB § 456: 9.2 pp above the Austrian Basiszinssatz; the Basiszinssatz on the first calendar day of the half-year applies for that half-year.",
          "marginPp": 9.2,
          "compensation": {
            "type": "fixed",
            "eur": 40
          },
          "refs": {
            "interest": "UGB § 456 (Basiszinssatz + 9,2 Prozentpunkte)",
            "noDueDate": "Directive 2011/7/EU, art. 3(3)(b) (UGB § 455 not modelled in detail)",
            "compensation": "UGB § 458 (40 € Pauschalbetrag)"
          },
          "sources": [
            "https://www.ris.bka.gv.at/eli/drgbl/1897/219/P456/NOR40148644",
            "https://www.ris.bka.gv.at/eli/drgbl/1897/219/P458/NOR40148646"
          ],
          "sourceNote": "RIS (official) opened 2026-10-31: § 456 in force since 16.03.2013 (BGBl. I Nr. 50/2013). CORRECTION: the analysis/EU minimum (ECB + 8) was wrong for Austria; the rule is Basiszinssatz + 9.2 pp (H2 2026: 1.53 + 9.2 = 10.73%)."
        }
      ]
    }
  },
  "countries": {
    "AT": {
      "name": "Austria",
      "law": "AT",
      "lang": "de"
    },
    "BE": {
      "name": "Belgium",
      "law": "EU_MIN",
      "lang": "nl"
    },
    "BG": {
      "name": "Bulgaria",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true
    },
    "HR": {
      "name": "Croatia",
      "law": "EU_MIN",
      "lang": "en"
    },
    "CY": {
      "name": "Cyprus",
      "law": "EU_MIN",
      "lang": "en"
    },
    "CZ": {
      "name": "Czechia",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true
    },
    "DK": {
      "name": "Denmark",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true,
      "noEop": true
    },
    "EE": {
      "name": "Estonia",
      "law": "EE",
      "lang": "et"
    },
    "FI": {
      "name": "Finland",
      "law": "EU_MIN",
      "lang": "en"
    },
    "FR": {
      "name": "France",
      "law": "FR",
      "lang": "fr"
    },
    "DE": {
      "name": "Germany",
      "law": "DE",
      "lang": "de"
    },
    "GR": {
      "name": "Greece",
      "law": "EU_MIN",
      "lang": "en"
    },
    "HU": {
      "name": "Hungary",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true
    },
    "IE": {
      "name": "Ireland",
      "law": "EU_MIN",
      "lang": "en"
    },
    "IT": {
      "name": "Italy",
      "law": "IT",
      "lang": "it"
    },
    "LV": {
      "name": "Latvia",
      "law": "EU_MIN",
      "lang": "en"
    },
    "LT": {
      "name": "Lithuania",
      "law": "EU_MIN",
      "lang": "en"
    },
    "LU": {
      "name": "Luxembourg",
      "law": "EU_MIN",
      "lang": "fr"
    },
    "MT": {
      "name": "Malta",
      "law": "EU_MIN",
      "lang": "en"
    },
    "NL": {
      "name": "Netherlands",
      "law": "NL",
      "lang": "nl"
    },
    "PL": {
      "name": "Poland",
      "law": "PL",
      "lang": "pl",
      "nonEuro": true
    },
    "PT": {
      "name": "Portugal",
      "law": "EU_MIN",
      "lang": "en"
    },
    "RO": {
      "name": "Romania",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true
    },
    "SK": {
      "name": "Slovakia",
      "law": "EU_MIN",
      "lang": "en"
    },
    "SI": {
      "name": "Slovenia",
      "law": "EU_MIN",
      "lang": "en"
    },
    "ES": {
      "name": "Spain",
      "law": "ES",
      "lang": "es"
    },
    "SE": {
      "name": "Sweden",
      "law": "EU_MIN",
      "lang": "en",
      "nonEuro": true
    }
  },
  "countriesNote": "Countries mapped to EU_MIN have no national row yet: PagoFix shows the directive minimum and says national law was not checked. For non-euro countries the directive uses the national central bank rate (art. 2(7)); not modelled — shown as needs_input warning.",
  "eop": {
    "regulation": "Regulation (EC) No 1896/2006",
    "formSource": "Form A as in Annex I, Commission Delegated Regulation (EU) 2017/1260 (opened on EUR-Lex 2026-10-31)",
    "onlineForms": "https://online-forms.e-justice.europa.eu/online-forms/european-payment-order-forms_en",
    "excludedCountries": [
      "DK"
    ],
    "courts": {
      "DE": {
        "court": "Amtsgericht Berlin-Wedding",
        "note": "Sole competent court for European orders for payment in Germany.",
        "status": "verified_in_analysis",
        "source": "Analysis 3.2 [K18a]",
        "note_et": "Saksamaal ainus kohus, kes menetleb Euroopa maksekäsu avaldusi.", "note_de": "Für Europäische Zahlungsbefehle in Deutschland ausschließlich zuständiges Gericht."
      },
      "NL": {
        "court": "Rechtbank Den Haag",
        "note": "Sole competent court; Dutch language only.",
        "status": "verified_in_analysis",
        "source": "Analysis 3.2 [K18d]",
        "note_et": "Ainus pädev kohus. Menetlus käib ainult hollandi keeles.", "note_de": "Einziges zuständiges Gericht; das Verfahren läuft nur auf Niederländisch."
      }
    },
    "fees": {
      "DE": {
        "text": "0.5 fee under GKG: claim 1,000 € → 38 €; 10,000 € → 141.50 €; 100,000 € → 599 € (table 24.07.2026)",
        "text_et": "Pool lõivumäära kohtukulude seaduse (GKG) järgi: nõue 1000 € → 38 €; 10 000 € → 141,50 €; 100 000 € → 599 € (tabel 24.07.2026)", "text_de": "0,5-fache Gebühr nach GKG: Forderung 1.000 € → 38 €; 10.000 € → 141,50 €; 100.000 € → 599 € (Tabelle vom 24.07.2026)",
        "points": [
          [
            1000,
            38
          ],
          [
            10000,
            141.5
          ],
          [
            100000,
            599
          ]
        ],
        "status": "verified_in_analysis",
        "source": "e-Justice [K18a]"
      },
      "ES": {
        "text": "100 € + 0.5% of the amount for a legal person; 9,000 € claim → 145 €",
        "text_et": "Juriidilisele isikule 100 € + 0,5% nõude summast; 9000-eurose nõude korral 145 €", "text_de": "Für juristische Personen 100 € + 0,5 % der Forderung; bei einer Forderung von 9.000 € also 145 €",
        "status": "verified_in_analysis",
        "source": "e-Justice [K18b]"
      },
      "IT": {
        "text": "Contributo unificato by claim value (art. 13(1) TUSG), halved for this special procedure, + 27 € flat advance (art. 30 TUSG); the portal gives no amount table",
        "text_et": "Contributo unificato nõude suuruse järgi (TUSG art 13 lg 1), selles erimenetluses poole väiksem, lisaks 27-eurone kindel ettemaks (TUSG art 30); portaalis summade tabelit pole", "text_de": "Contributo unificato nach Streitwert (Art. 13 Abs. 1 TUSG), in diesem besonderen Verfahren halbiert, zuzüglich eines pauschalen Vorschusses von 27 € (Art. 30 TUSG); das Portal nennt keine Betragstabelle",
        "status": "needs_input",
        "source": "https://e-justice.europa.eu/topics/money-debt-claims/european-payment-order/it_en (updated 28.01.2025), opened 2026-10-31"
      },
      "NL": {
        "text": "Legal person (2026 tariffs): up to 500 € → 139 €; 500–1,500 € → 350 €; 1,500–2,500 € → 397 €; 2,500–5,000 € → 529 €; 5,000–12,500 € → 559 €; 12,500–25,000 € → 1,504 €; 25,000–100,000 € → 3,083 €; 100,000–1,000,000 € → 7,062 €; over 1,000,000 € → 10,487 €",
        "text_et": "Juriidilisele isikule (2026. aasta tariifid): kuni 500 € → 139 €; 500–1500 € → 350 €; 1500–2500 € → 397 €; 2500–5000 € → 529 €; 5000–12 500 € → 559 €; 12 500–25 000 € → 1504 €; 25 000–100 000 € → 3083 €; 100 000–1 000 000 € → 7062 €; üle 1 000 000 € → 10 487 €", "text_de": "Juristische Personen (Tarife 2026): bis 500 € → 139 €; 500–1.500 € → 350 €; 1.500–2.500 € → 397 €; 2.500–5.000 € → 529 €; 5.000–12.500 € → 559 €; 12.500–25.000 € → 1.504 €; 25.000–100.000 € → 3.083 €; 100.000–1.000.000 € → 7.062 €; über 1.000.000 € → 10.487 €",
        "status": "verified",
        "source": "https://e-justice.europa.eu/topics/money-debt-claims/european-payment-order/nl_nl (Dutch page, updated 16.01.2026; the English page still shows 2024), opened 2026-10-31"
      },
      "PL": {
        "text": "Up to 500 PLN → 30 PLN; up to 1,500 PLN → 100 PLN; up to 4,000 PLN → 200 PLN; … up to 20,000 PLN → 1,000 PLN; above that 5%",
        "text_et": "Kuni 500 PLN → 30 PLN; kuni 1500 PLN → 100 PLN; kuni 4000 PLN → 200 PLN; … kuni 20 000 PLN → 1000 PLN; suurema nõude korral 5%", "text_de": "Bis 500 PLN → 30 PLN; bis 1.500 PLN → 100 PLN; bis 4.000 PLN → 200 PLN; … bis 20.000 PLN → 1.000 PLN; darüber 5 %",
        "status": "verified_in_analysis",
        "source": "e-Justice [K18e]"
      },
      "EE": {
        "text": "3% of the claim, at least 65 €; service of documents 40–70 € (2022 data)",
        "text_et": "3% nõude summast, vähemalt 65 €; dokumentide kättetoimetamine 40–70 € (2022. aasta andmed)", "text_de": "3 % der Forderung, mindestens 65 €; Zustellung 40–70 € (Daten von 2022)",
        "status": "verified_dated",
        "source": "https://e-justice.europa.eu/topics/money-debt-claims/european-payment-order/ee_et — opened 2026-10-31; page last updated 16.05.2022, so current amounts may differ (Riigilõivuseadus not opened)"
      },
      "AT": {
        "text": "Same fee as a claim (GGG TP 1). Official sources disagree: e-Justice (2021 table) and the RIS consolidated GGG § 32 show 700–2,000 € → 114 €, 3,500–7,000 € → 335 €, 7,000–35,000 € → 792 €; but BGBl. II Nr. 227/2026 (in force 1.8.2026) raised TP 1 amounts (e.g. 140 → 148 €, 412 → 436 €, 974 → 1,030 €). Check the current amount before filing.",
        "text_et": "Sama lõiv nagu hagi puhul (GGG TP 1). Ametlikud allikad lähevad lahku: e-Justice (2021. aasta tabel) ja RIS-i konsolideeritud GGG § 32 näitavad 700–2000 € → 114 €, 3500–7000 € → 335 €, 7000–35 000 € → 792 €, kuid BGBl. II Nr. 227/2026 (jõus alates 01.08.2026) tõstis TP 1 summasid (nt 140 → 148 €, 412 → 436 €, 974 → 1030 €). Kontrolli enne avalduse esitamist kehtivat summat.", "text_de": "Gleiche Gebühr wie bei einer Klage (GGG TP 1). Die amtlichen Quellen weichen voneinander ab: e-Justice (Tabelle von 2021) und das RIS (konsolidierter GGG § 32) nennen 700–2.000 € → 114 €, 3.500–7.000 € → 335 €, 7.000–35.000 € → 792 €. BGBl. II Nr. 227/2026 (in Kraft seit 1.8.2026) hat die Beträge nach TP 1 jedoch erhöht (z. B. 140 → 148 €, 412 → 436 €, 974 → 1.030 €). Prüfen Sie vor der Einreichung den aktuellen Betrag.",
        "status": "needs_input",
        "source": "https://e-justice.europa.eu/topics/money-debt-claims/european-payment-order/at_en ; https://www.ris.bka.gv.at/NormDokument.wxe?Abfrage=Bundesnormen&Gesetzesnummer=10002667&Artikel=1&Paragraf=32 ; https://www.ris.bka.gv.at/Dokumente/BgblAuth/BGBLA_2026_II_227/BGBLA_2026_II_227.pdf (opened 2026-10-31)"
      },
      "FR": {
        "text": "Civil court: no fee; commercial court: about 25 € registry fee",
        "text_et": "Tsiviilkohtus lõivu ei ole; kaubanduskohtus umbes 25 € kantseleitasu", "text_de": "Zivilgericht: keine Gebühr; Handelsgericht: etwa 25 € Kanzleigebühr",
        "status": "unverified",
        "source": "Analysis 3.2 [KM]; e-Justice FR page opened 2026-10-31 is empty (\"being translated\")"
      }
    },
    "feesSource": "https://e-justice.europa.eu/topics/money-monetary-claims/court-fees-concerning-european-payment-order-procedure_en"
  },
  "schedule": [
    {
      "day": 3,
      "step": "letter1",
      "title": "Send letter 1 (friendly reminder)"
    },
    {
      "day": 10,
      "step": "letter2",
      "title": "Send letter 2 (firm: interest + compensation, 7-day deadline)"
    },
    {
      "day": 17,
      "step": "letter3",
      "title": "Send letter 3 (final notice: payment order in 7 days)"
    },
    {
      "day": 24,
      "step": "decide",
      "title": "Decide: file payment order or stop"
    }
  ],
  "scheduleSource": "Analysis section 5.2 (day 0 = due date)."
}