Recover overdue payments without a collection agency
Stop paying 15-25% to collection agencies. Automate payment follow-ups with multi-channel reminders, escalation workflows, and EU-compliant legal letters. Recover more, keep more.
Automated email sent with payment link and invoice PDF
Text message reminder with direct payment link
EU-compliant 14-day notice prepared for sending
Customer paid via payment link - EUR 1,250.00
Multi-channel communication
Reach debtors through their preferred channel. Each channel has different response rates - use all three for maximum recovery.
Email Reminders
Professional payment reminders with your branding, invoice PDF, and one-click payment link.
SMS Messages
Short, direct reminders that get attention. 98% read rate makes SMS ideal for urgent follow-ups.
Physical Letters
Formal notices and WIK-briefs for legal compliance. Required before initiating collection proceedings.
Automated escalation workflow
Set up once, recover automatically. Configure your escalation timeline and let the system handle follow-ups.
Configure Timeline
Set days between each escalation stage
Choose Channels
Enable email, SMS, and/or letter notifications
Customize Messages
Personalize templates for each stage
Auto-Recover
System follows up until payment is received
WIK-Brief & legal compliance
In the Netherlands and EU, you must send a 14-day notice (WIK-brief) before you can charge collection costs or start legal proceedings. Our system handles this automatically.
Why WIK compliance matters
Without a proper 14-day notice, you cannot legally add collection costs to the debt. Our templates are reviewed for Dutch and EU compliance.
Dear Mr. Smith,
Despite previous reminders, the amount of EUR 1,250.00 remains unpaid. This letter serves as your final 14-day notice in accordance with Article 6:96 BW.
If payment is not received within 14 days, we reserve the right to add statutory collection costs and interest.
Keep more of what you recover
Collection agencies charge 15-25% of recovered amounts. With in-house recovery, you keep everything.
With collection agency
With PayRequest
Annual savings example
If you recover EUR 50,000 in overdue payments per year:
Complete recovery toolkit
Everything you need to recover overdue payments in-house, without expensive collection agencies.
Multi-Channel Reminders
Reach debtors via email, SMS, and letters. Meet them where they are.
Automated Escalation
Set rules to automatically escalate from friendly reminder to formal notice.
Late Fee Automation
Automatically calculate and add late fees based on your terms or legal maximums.
WIK-Brief Generator
Generate EU-compliant 14-day notice letters required before legal action.
Debtor Payment Portal
Give debtors a self-service portal to view invoices and make payments.
Collection Cost Calculator
Automatically calculate and add statutory collection costs per EU regulations.
Debtor self-service portal
Give debtors a dedicated portal to view outstanding invoices, download PDFs, and make payments. Reduces support inquiries and accelerates payments.
Start recovering payments in-house
Set up automated payment recovery in minutes. No collection agency needed.