Bank payments
SEPA Direct Debit Refund Draft
Prepare an editable message for a SEPA direct debit refund request using date and amount checks as a starting point.
Private by design
These tools are static pages. They do not ask for accounts, do not submit forms, and do not send your entries to a server. Review generated text and sample checks before using them.
Available tools
Passenger rights
EU Rail Delay Compensation Calculator
Estimate a possible rail delay compensation percentage and generate a concise editable claim draft.
Business billing
B2B Refund Leakage Checklist
Review common vendor billing issues, unused credits, renewal mismatches, and duplicate charges before checking your own records.
Accounts payable
AP Duplicate Payment SQL Checks
Download starter SQL checks for duplicate invoices, repeated payment references, and vendor normalization reviews using sample-safe patterns.
Freelance quoting
Freelance Quote & Late-Payment Calculator
Plan project quotes, late-payment assumptions, and reusable scope notes with optional downloadable CSV and Markdown templates.
Important limits
- Outputs are educational starting points, not legal, accounting, or tax advice.
- Rules, deadlines, and accounting treatments can vary by country, bank, operator, ticket, route, contract, and individual circumstances.
- Always verify current official guidance before sending a request, claim, or business message.
Feedback and conversion signals
Open a tool, generate a local draft, download a starter file where available, or suggest a safer resource to add. Events are counted without cookies or personal identifiers.
Suggest a resource or improvement
Use the public feedback form only for general suggestions. Do not include personal, banking, ticket, invoice, contract, or confidential information.