Signed is not funded. Start work on funded.

For firms, agencies, and consultancies: the SOW and the deposit run as one agreement, and “work is authorized to begin” goes out only once the retainer has arrived and been confirmed.

Start this SOW and deposit free What it costs

The client can pay the deposit by card or bank transfer, through your own Stripe account · Clients never need accounts · No card to start

The engagement, in states you can see

A signed-but-unfunded SOW is the state that quietly costs firms money, so it is the one Termn makes impossible to miss. You always know which of six an engagement is in: sent, signed, deposit pending, deposit received, engaged, concluded.

  1. 01

    Engage

    Firm and client sign the SOW, each from one secure link. No client accounts, nothing to install.

  2. 02

    Deposit

    The exact deposit or retainer is requested the moment the ink is in: card or ACH in the same sitting, wire for larger retainers.

  3. 03

    Begin

    When the deposit is received and confirmed, both parties get the email that matters: “Deposit received — work is authorized to begin.”

The stateWhat it meansWhat happens
Signed, deposit pending The client executed the SOW. No money has arrived. The deposit request stays in front of the client, and Termn keeps asking. The state is visible on the record, never silent.
Deposit received The payment is confirmed against the engagement. Both parties are told, in writing, that work is authorized to begin.
Concluded The engagement closed, optionally with the client’s approval. A settlement record: the signed SOW, the confirmed deposit, the dates.

An ACH debit can return after it first appears. The reversal window is disclosed on the record, and the “work authorized” message carries it.

Someone has to ask for the money

Chasing a retainer is the most awkward email a firm sends, so it gets sent late or not at all. For seven days after you send the engagement, Termn does the asking: plain language, the client’s secure link, and enough space between messages that nobody feels hounded.

Paid in the same sitting

The client can sign and pay by card or ACH before they leave the page. Larger retainers arrive by wire against instructions that unseal after signature. Either way the confirmation comes before the kickoff.

Already emailing the client? Cc start@termn.ai.

“SOW and deposit: client is Priya Shah, priya@example.com, deposit $4,500. SOW attached.” One sentence like that — written to start@termn.ai or cc’d on the email you were sending anyway — and the engagement drafts itself. Your client hears nothing until you review the draft and send it from the app.

Open the draft with the blanks marked, or read how starting by email works.

What your client sees

You are putting a client relationship on this page, so here it is, all of it.

  1. 01

    One email, one link

    An email sent through Termn in your name carries one secure link to the agreement. It opens in the browser: no account to create, no app to install, nothing to pay.

  2. 02

    Sign and pay in one sitting

    The SOW is on the page, ready to sign, with the deposit request right behind it: a card or bank payment on the same page, or wire instructions for a larger retainer, revealed only after the signature. Your invoice is the only thing they pay.

  3. 03

    Confirmed in writing

    Every act is confirmed by email, to them and to you. If they hesitate, Termn does the reminding for seven days, so the awkward follow-up is never yours.

No account and nothing to install · They never pay Termn anything unless you assign the activation to them · A lost email is re-sent from /my, any time

Priced for how often you engage

One engagement is one workspace: the SOW, the deposit, and everyone in it. Your first, working alone, is free. After that a workspace is $149 once, forever. A firm sending SOWs every month wants Operator: $199 a month for a five-seat desk, with every workspace covered.

Your first workspace is free. Your invoice is the only thing a client pays, unless you deliberately assign the one-time activation to them. Compare all plans.

Common questions

How is this different from adding a payment link to an engagement letter?
A payment link doesn’t know about the signature, and a signature tool doesn’t know about the money. Termn runs both as one agreement, so a signed-but-unfunded SOW is a visible state, not a surprise.
Can the client pay in the same sitting as the signature?
Yes. Card and ACH collection right after signing is the happy path for deposits; wire or ACH credit works for larger retainers. Either way the deposit is confirmed before anyone is told to start work.
What does my client have to install or sign up for?
Nothing. The client gets one secure link for the signature and the deposit: no account, no app to install. Your invoice is the only thing they pay.
Who pays the card fees, and when does the money reach me?
Termn adds nothing to the amount moved and never takes a percentage. Card and bank payments are processed by Stripe into your own Stripe account, at Stripe’s ordinary processing rates and payout schedule; a wire or ACH credit lands in your bank directly, with nothing in between. You choose which payment methods each request offers.
What about ACH payments that can still return?
Termn says so plainly. An ACH debit can return after it first appears; the reversal window is disclosed on the record, and the confirmation copy states it.
Is Termn a trust-accounting or IOLTA system?
No. Termn tracks the deposit as a recorded fact against the engagement. Your accounting of client funds stays in the systems built for it.

Before you decide, how this actually works

Plain explanations of the transaction itself, free and open, with the statutes and rules they rest on named and linked.

  1. Collecting a deposit before the work starts

    A signed statement of work is a promise. A received deposit is a fact.

    3 minute read

Everything else is in the learning center.

Finish what the agreement started

Your first workspace is free: one live workspace, unlimited agreements inside it, no card.

Start this SOW and deposit free

Rather talk it through first? Contact us at sales@termn.ai.