Collect overdue payments without an agency

Collection fees (incassokosten) are statutory charges you can add to overdue invoices to cover recovery costs. In the Netherlands, the WIK (Wet Incassokosten) regulates how much you can charge — typically up to 15% on the first €2,500. PayRequest automatically calculates the legally permitted amount based on the outstanding balance.

For most B2B cases, no. PayRequest handles the entire collection process in-house — automated reminders, formal notices, collection fees, postal letters, and payment plans. You only need an external agency for cases that require legal proceedings, which is a small minority of cases.

Yes. Clients see their full case in the customer portal, including the outstanding balance, collection fee breakdown, payment history, and available payment plans. They can pay the full amount instantly or request an installment plan — all self-service.

You can split the outstanding debt into 2, 3, 6, or 12 monthly installments. The plan is created from the case detail page and the client can view and accept it in their portal. Each installment is billed automatically via SEPA direct debit. When the final installment is paid, the case closes automatically.

PayRequest integrates with Pingen to send physical collection letters. Letters are automatically generated with your business details, the amount breakdown, and a QR code for quick payment. Standard letters cost around €1-2 and are delivered via PostNL within 1-3 business days. Registered mail is available for proof of delivery.

No. Creating a collection case does not send any notification. You choose when to send the first reminder — by email, SMS, or postal letter. This gives you full control over when and how you communicate with your client about the outstanding debt.

Yes. You can pause any case with a single click. When paused, all auto-escalation stops — no reminders, no stage changes, no collection fee additions. The case stays in its current stage until you resume it. This is useful when you're negotiating a settlement or payment plan outside the standard process.

Yes. You can register payments received outside PayRequest — such as bank transfers, cash payments, or partial amounts. The outstanding balance updates automatically, and the activity timeline records the payment with details. If the partial payment covers the full amount, the case closes automatically.

Kwijtschelding means writing off the remaining balance on a collection case. After receiving a partial payment or reaching a settlement agreement, you can waive the remaining amount. The case closes with a complete audit trail showing the original amount, payments received, and the amount waived — giving you a clean record for accounting.