GCC guide

GCC 2015 payment and interest: clause 6.10 explained

How the GCC 2015 payment cycle works under clause 6.10, when payment is due, how interest on late payment runs, and what a contractor can do when payment stops.

Published 22 Oct 20265 min readClauses 6.10, 6.10.1, 6.10.6, 9.3, 10.1.1, 10.1.2All guides

Under GCC 2015, getting paid follows a fixed cycle: you submit a monthly statement, the Engineer certifies it, and the Employer pays by the due date. When the Employer misses that date, interest starts running and you gain remedies, but only once you have given proper notice. This guide walks through each step. For the wider picture of the edition, see our GCC overview.

First, check which edition you signed. GCC 2010 and GCC 2015 number some clauses differently, and this guide follows the 2015 numbering.

Step 1: the monthly statement

Each month you deliver a statement to the Engineer showing the value of work done, materials on site and any other amounts you say are due. The statement starts the cycle, so date it, keep proof of delivery and send it in the format the contract data asks for.

A late or incomplete statement delays everything after it. The Engineer cannot certify what has not been submitted.

Step 2: the Engineer's payment certificate

The Engineer assesses your statement and issues a payment certificate for the amount they consider due. The certificate may be less than you claimed. If so, the Engineer should show how the difference is made up. Any disagreement over the amount is a separate matter from late payment of a certified amount.

Step 3: payment within 28 days under clause 6.10.1

Clause 6.10.1 requires the Employer to pay the certified amount within 28 days. GCC 2015 counts calendar days, so weekends and public holidays count unless your contract says otherwise. Check whether your contract counts the 28 days from delivery of your statement or from issue of the certificate. The clause wording decides this, and the difference can be a week.

Step 4: interest on late payment under clause 6.10.6

If the Employer does not pay by the due date, clause 6.10.6 entitles you to interest on the overdue amount. Interest runs from the day after the due date until the day you are paid. The rate is set by the contract. Look in the contract data first, and if no rate is stated there, check what the conditions fall back on.

Interest is not automatic in practice. Claim it in writing and include it in your next statement so it is certified.

Step 5: notice when payment stops

If a certificate goes unpaid, write to the Employer, with a copy to the Engineer, as soon as the due date passes. There is no time bar on this notice, but no remedy period starts until you give it. We recommend sending it within 7 days of the missed due date. The notice should state:

  • the payment certificate number, the amount certified and the due date
  • that payment has not been received
  • the interest you claim under clause 6.10.6, and from what date
  • that you intend to suspend work or terminate under clause 9.3 if payment is not made within the remedy period

Keep it factual and send it by a method the contract recognises for notices, with proof of delivery.

Step 6: suspension and termination under clause 9.3

If the certificate remains unpaid after your notice, GCC 2015 gives you further remedies. You may be entitled to suspend the works, or to slow the rate of progress. Clause 9.3 allows you to terminate the contract where the Employer fails to pay, after notice and once the remedy period has run. Sakhani's rules library works on a 14-day remedy period from your notice.

Termination is a serious step with lasting consequences, and the procedure must be followed exactly. Take advice before you use it.

The costs and delay of a suspension are a claim in their own right. Give a Written claim notice to the Engineer under clause 10.1.1, followed by the Detailed claim particulars under clause 10.1.2, within the periods those clauses set.

A worked example

Assume these facts. The Engineer issues Payment Certificate No. 7 for R1,850,000 on Thursday 5 February 2026, and the 28 days run from the certificate. Days are calendar days.

  1. Due date: 28 calendar days from 5 February is Thursday 5 March 2026. February 2026 has 28 days.
  2. Missed payment: nothing arrives by close of 5 March. Interest runs from Friday 6 March 2026.
  3. Notice: the recommended 7-day window closes on Thursday 12 March 2026. The contractor sends the notice on Monday 9 March 2026.
  4. Remedy period: 14 calendar days from 9 March ends on Monday 23 March 2026. Human Rights Day, 21 March, falls on a Saturday in 2026 and no Monday holiday is added. Because the count is in calendar days, it makes no difference here either way.
  5. Next step: if still unpaid after 23 March, the contractor may consider suspension or termination under clause 9.3, following the contract's procedure.

Suppose payment finally arrives on Thursday 26 March 2026. That is 21 days of interest, 6 to 26 March. At an illustrative rate of 11% a year, interest is about R1,850,000 × 11% × 21 ÷ 365, roughly R11,708. Use the rate your contract actually sets.

What missing it costs

There is no time bar on the payment notice itself, and interest keeps accruing. But until you send it, the remedy period does not start, so you cannot suspend or terminate however long the Employer delays.

Your contract governs

This guide describes the standard GCC 2015 conditions. Your signed contract may change them through particular conditions, special conditions or contract data. Those amendments govern over the standard text, so read them before you act. This guide is general information, not legal advice.

What Sakhani does

Sakhani reads your signed contract, including its amendments, and records each certificate's due date. When a due date passes without payment, it counts the days, reminds the people responsible and drafts the notice with the certificate details and interest filled in, for a person to check and send. It then tracks the remedy period and any claim deadlines that follow. See how it works.

A guide, not legal advice. It describes the standard, unamended conditions; the data, particular conditions and amendments of your signed contract govern, and the amounts at stake may call for your attorney or quantity surveyor. Reviewed by the Sakhani team before publishing.

Every GCC notice, counted from the day it starts.

See every GCC notice with its clause, period and addressee, or let Sakhani read your signed contract and keep the clocks for you.

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GCC 2015 payment and interest: clause 6.10 explained · Sakhani