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Payment demand to a business (Malta)
Malta · in English · for creditors
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For a business or self-employed person in Malta owed money by another business for goods or services: invoices unpaid past their due date. The letter lists the invoices, claims the total within 14 days, and claims interest on a commercial debt — the Civil Code's 8% a year from the due date, or late-payment interest and €40 compensation under the Commercial Code's rules between businesses. It names the next step: the Small Claims Tribunal (up to €5,000) or judicial proceedings. Send it by registered letter and keep the post office receipt.
- Made for use in Malta
- Last updated November 3, 2026
- Document in English
Published byDocMuse
When to use this document
- A company in Malta has not paid your invoices weeks after the due date.
- A client business in Malta keeps saying the payment is on its way but nothing arrives.
- You supplied goods to a shop in Malta and its owner now ignores your calls.
- You want to demand payment of overdue invoices, with interest, from a business in Malta.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- City
- Sender's postcode
- Date
- Debtor
- Debtor's postal address (street and number, postcode and town)
- List of invoices
- Amount due
- Interest claimed
- Bank account
- Where you will take the claim next (between businesses)
Common questions
- What interest can a business in Malta claim on an unpaid invoice?
- On a commercial debt, the Civil Code's legal interest of 8% a year runs from the day the debt fell due (articles 1139 and 1141). Between businesses, the late-payment rules in the Commercial Code (Cap. 13) allow instead interest at the European Central Bank's reference rate plus eight percentage points, revised every six months, and at least €40 for recovery costs. The letter claims one basis or the other.
- How long does a business in Malta have to recover an unpaid invoice?
- Commercial debts are barred after five years under article 2156 of the Civil Code. The debtor's written acknowledgement of the debt, or a judicial act served on it, interrupts prescription; ordinary reminders do not, so an old invoice should not be left to drift on letters alone.
- Can a company in Malta use the Small Claims Tribunal?
- The Small Claims Tribunal hears money claims of up to €5,000, fees and costs not counted, and it is not limited to consumers. For a larger amount, or a claim that is not only for money, proceedings go before the ordinary courts. Ask the tribunal's registry about its forms and fees; DocMuse files nothing for you.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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