B2B Debt Collection

Collect overdue payments without an agency

Built-in debt collection that escalates automatically — from friendly reminders to formal notices, collection fees, and payment plans. Your clients see everything in their portal. No external agency needed.

85%
Recovery rate
€0
Agency fees
3
Channels (email, SMS, post)
Escalation Channels
Email
SMS
Postal Mail

Automated escalation pipeline

Each stage triggers automatically based on your rules. No manual follow-up needed.

Stage 1

Friendly Reminder

1–7 days overdue

Polite email and SMS reminders with a direct payment link. Most invoices get paid here.

Email + SMS
Stage 2

Formal Notice

8–21 days overdue

Official payment demand with deadline. Sent via email, SMS, and optional postal mail.

Email + SMS + Post
Stage 3

Collection Fees Added

22–30 days overdue

Statutory collection fees (incassokosten) automatically calculated and added to the outstanding amount.

Email + Post
Stage 4

Final Warning

31+ days overdue

Last chance notice before legal proceedings. Full case file ready for export if needed.

Registered Post

Your clients see everything in their portal

Debtors can view their case, download documents, accept a payment plan, or pay the full amount — all self-service.

Outstanding BalanceOverdue — 28 days
€2,847.50
Original invoice€2,400.00
Collection fees€447.50
Payment Plan

3 monthly installments

Installment 1 — Feb 15
Due
€949.17
Installment 2 — Mar 15
Upcoming
€949.17
Installment 3 — Apr 15
Upcoming
€949.16

Everything you need for in-house debt collection

Multi-Channel Reminders

Reach debtors via email, SMS, and postal mail. Each channel triggers at the right stage automatically.

Collection Fees (Incassokosten)

Statutory collection fees calculated and added automatically based on the outstanding amount and local regulations.

Payment Plans

Create flexible installment plans your clients can view and accept directly in their customer portal.

Customer Portal Integration

Debtors see their case status, documents, payment options, and plan details — all in one self-service portal.

Postal Mail Delivery

When email and SMS aren't enough, automatically send formal notices and final warnings via postal mail.

Case Management

Track every debt collection case from first reminder to resolution. Full timeline, notes, and document history.

In-house vs external agency

Keep control and keep your margins.

Feature
PayRequest
External Agency
Cost
€20/mo
15-25% of collected amount
Speed
Instant automation
Weeks to start
Client relationship
You stay in control
Third party contacts your client
Collection fees
Automatically calculated
Agency keeps a share
Payment plans
Self-service in portal
Manual negotiation
Channels
Email + SMS + Post
Varies
Transparency
Client sees everything in portal
Black box
Integration
Built into your billing
Separate system
No external agency needed

Stop outsourcing your debt collection

Collect overdue payments yourself with automated escalation, collection fees, and client-facing payment plans. Live in 5 minutes.