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Debt collection APIs compared (2026)

A debt collection API lets your platform or finance system hand an overdue invoice to a collector. We compared 16 providers that offer one, grouped by where they collect: who works the claim, developer basics, fees and what a platform earns.

Last checked 11 November 2026Written by Debitura, one of the optionsNo ranking, no paid placements
See the partner programWhich one fits you?

Disclosure

Debitura is one of the options listed. We wrote this page. Facts about other companies come from their own websites, checked 11 November 2026, with a numbered source for each.

There is no ranking and no overall winner. "Not stated" means we did not find it on the page we checked, which is not the same as "no".

Who is included

16 services that a platform or a finance team can send overdue invoices to through an API, where someone other than the creditor then works the claim. Payment APIs, collections software and reminder tools are explained under "Not the same thing", with collectors we checked that have no public API page.

Providers are grouped by where they collect. Debitura is listed first in its group because we wrote this page; the others follow alphabetically.

How to choose

How to choose a debt collection API

Seven questions that decide how collection works inside your product, and what the providers on this page state about each. Ask the same of any provider, including us.

What each company states on its own website, checked 11 November 2026. Debitura wrote this page and is one of the options.
CriterionWhy it mattersWhat to askWhat the providers state
Who works the claimThe collector contacts your users' customers. How it does that reflects on your product.Who contacts the debtor, in whose name, and under which license or registration?Debitura: a licensed local agency or law firm in the debtor's country; Debitura never contacts debtors itself. Modern Collections: debtors 'hear from Modern Collections by name'[23]. nl.legal: 'Justis 00030'[36]. incaseof.law: 'licensed in Austria, registered in Germany'[29].
Where it collectsYour users' customers may sit in many countries, and some are consumers.Which debtor countries are covered, and does it take business debts, consumer debts or both?Debitura: 180 countries. Riverty: '21 countries'[20]. Atradius Collections: 'more than 40 countries'[9]. Altus: 'all 50 states and Canada'[21]. Several providers focus on one country (see the table).
How your platform offers itA link, an API inside your screens or a white-label flow decide how much you build and who onboards your user.Can I onboard many customers under one account, and who collects the agreement and checks identity?Multi-customer models: Debitura's referral partner API[3], Modern Collections' platform partner account[25], paywise's Partner API[34], nl.legal's creditor management[36], mediaFinanz's partner ID[30].
Developer basicsA test environment, webhooks and safe retries decide how long the integration takes.Are the docs public, is there a sandbox, are webhooks signed, and how are duplicates handled?Public docs with a test environment: Debitura, Modern Collections, nl.legal and paywise[4][26][36][34]. Signed webhooks: Debitura, Modern Collections and nl.legal[6][23][36].
AI-agent readinessTeams increasingly build and test integrations with AI coding agents.Is there an MCP server or a guide for building with an AI agent?Debitura: an MCP server and 'Build with an AI agent' guides[3]. Modern Collections: an MCP server and a CLI[25]. We found no MCP server at the other providers.
Partner economicsIf your platform carries the integration, you want to know what it earns before you build.Is the revenue share or markup published, and on what is it calculated?Debitura: a published revenue share[1]. Modern Collections: a markup model[24]. Debtist: 'open to profit sharing'[14]. incaseof.law: a partner program[29]. The others: not stated.
Your users' costYour users pay the collection fee, so it shapes how the feature is received.What is the fee, and is anything payable if nothing is recovered?Published rates: Debitura from 6% in Europe and 7.5% elsewhere[8], Oddcoll 9.5% and 19.5%[18], Modern Collections 5–15%[24]. See the fees table for the rest.
Quick comparison

16 debt collection APIs in one table

What each provider states on its own website, grouped by where it collects, with a numbered source for each fact. Scroll sideways on a phone.

What each company states on its own website, checked 11 November 2026. Grouped by where the provider collects; Debitura first in its group because we wrote this page, then alphabetically. 'Not stated' means we did not find it, not that it is missing.
ProviderWho works the claimWhere it collects, as statedB2B or B2CHow a platform can offer itPartner economics published
International and cross-border
Debitura (this site)A licensed local collection agency or law firm in the debtor's country, matched to each case. Debitura does not collect itself.180 countries[3]Business debtors. For partner platforms, consumer claims are off by default and opened country by country.Starter integration (an API call and a button) or Full integration in your own screens, with onboarding branded with your logo[3]. Partner link: coming soon[1]Yes. Integration: 100% of Debitura's earnings until you have earned USD 5,000, then 50%. Partner link: 30%, rising to 50% after 100 cases in 12 months[1]
Atradius CollectionsAtradius Collections, a B2B debt collection firm in the Atradius Group[9]'more than 40 countries'; '96%' coverage of the globe[9]B2B[9]AR Bridge APIs to place, update and report on cases from 'your own ERP system'[10]. Terms for platforms: Not statedNot stated
CofaceCoface's debt collection departments[12]Coface states it is located in 'more than 100 countries'[12]Trade receivables (business debts)[12]API products to create and manage a debt collection case; also embedded in partner software such as CreditDevice and LeanPay[11]Not stated
DebtistDebtist, 'a registered debt collection agency'[14]'Active throughout Europe'[13]; the API page says 'in all countries of the world'[14]B2B and B2C[13]REST API for partners collecting 'on behalf of their own clients or in their own name'; Chargebee integration[14][15]'open to profit sharing', no rates published[14]
OddcollLocal collection partners: 'Our partners in the customer's country handle the collection'[17]International; the home page cites experience in '100+ countries since 2016'[16]B2B: 'built for international B2B collections'[16]Upload 'via the platform, API or CSV'[17]. Program for platforms: Not statedNot stated
RivertyRiverty, with local collection providers it integrates into its workflows[20]'21 countries'[20]Not statedCollection API to transfer and recall claims, one connection across countries[19]. Terms for platforms: Not statedNot stated
United States and Canada
AltusAltus, recovering commercial receivables 'since 1994'[21]'all 50 states and Canada', with partners in 67 countries through the Coface Global network[21]B2B: commercial accounts from '$1K to $10M+'[21]API, SFTP, bulk upload or client portal[22]. Partner terms: Not statedNot stated
Modern CollectionsModern Collections, 'an independent third-party agency'[25]United States: 'Outreach is limited to states where we are cleared to operate'[23]B2B[23]Referral, embedded or white-label, with a platform partner account[23][25]Markup: you set your customer fee and keep the difference over its fee; 'Your agreement governs fees and markup'[24]
Germany and Austria
CreditreformCreditreform's collection service[27]Not stated on the API pageNot stated on the API pageCollection API; access on request[27]Not stated
FORDERUNG.COMFORDERUNG.COM, 'a licensed legal service provider (debt collection company)'[28]Germany, with a 'nationwide' field service[28]Not statedFORDERUNG.IO REST API from your dunning system or ERP; free access[28]Not stated
incaseof.lawincaseof.law, a state-licensed collection institute: 'licensed in Austria, registered in Germany'[29]Austria and Germany; out-of-court collection 'abroad too'[29]Business and private debtors[29]REST API with webhooks and ERP connectors; a partner program for businesses that embed it[29]Partner program exists; terms Not stated
mediaFinanzmediaFinanz, a collection company and member of the BFIF[32]Germany and abroad ('im Inland und Ausland')[32]The API takes company or private debtors[30]API for 'clients and business partners' after an eligibility check, with a partner ID field[30][31]Not stated
paywisepaywise, a member of the BDIU[33]Not statedNot statedCase Management API, plus a Partner API that 'onboards and manages multiple companies'[34]Not stated
Netherlands
IncassonetIncassonet, a Dutch collection agency (incassobureau)[35]Not stated beyond the NetherlandsBusiness and consumer collection offered[35]REST API with webhooks; integrations with credit management software[35]Not stated
nl.legalnl.legal, a licensed collection agency ('Justis 00030')[36]Dutch debtors[36]Business and consumer; consumer claims need the 14-day letter as a PDF[36]Public API; 'creditor management' lets an intermediary submit for other creditors, on approval[36]Not stated
France
RubypayeurRubypayeur, an online debt collection agency[37]The API asks for the debtor's SIREN or SIRET, French company numbers[38]. Coverage: Not stated on the API pageB2B and B2C[37]JSON API open to all Rubypayeur customers[38]. Program for platforms: Not statedNot stated
For developers

Sandbox, webhooks and retries

Developer basics you can check before signing anything. "Not stated" means we did not find it on the pages we checked.

What each company states in its public documentation or on its website, checked 11 November 2026.
ProviderAPI documentationTest environmentWebhooksRetries and duplicatesAuthenticationAI agent or MCP
International and cross-border
Debitura (this site)Public, at docs.debitura.com[2][3]Separate test environment, plus a test flag on cases[4]Yes, signed; request and case events, each subscription set to test or live[6]Idempotency-Key header, replayed for 24 hours; a creditor reference already used for the same client is refused[5][7]Partner API key, plus a short-lived bearer token per client[1][3]MCP server for Debitura clients; 'Build with an AI agent' guides for both integrations[3]
Atradius CollectionsPublic developer portal, AR Bridge[10]Not statedA Reporting API gives case updates[10]. Webhooks: Not statedNot statedNot statedNot stated
CofaceAPI portal with documentation per product[11]Not statedNot statedNot statedNot statedNot stated
DebtistOn request: 'Get in touch with us to get access to our interface documentation'[14]Not statedAn Activity API shows the activity on each claim[14]. Webhooks: Not statedNot statedNot statedNot stated
OddcollNot statedNot statedNot statedNot statedNot statedNot stated
RivertyPublic, at docs.riverty.com[19]Not statedNot statedNot stated'standard HTTP authentication'[19]Not stated
United States and Canada
AltusNot statedNot statedNot statedNot statedNot statedNot stated
Modern CollectionsPublic[25]Yes, a sandbox with its own sign-up and keys[26]Yes, signed[23]Idempotency-Key header; a reused invoice number returns 409 duplicate_invoice[26]Bearer API key[26]MCP server and CLI[25]
Germany and Austria
CreditreformDeveloper portal, in English[27]'Yes, a test is possible', on request[27]Not statedNot statedNot statedNot stated
FORDERUNG.COMOn request, with your access[28]A personalized test environment[28]Not statedNot statedNot statedNot stated
incaseof.lawA documented REST API[29]. Public access: Not statedNot statedYes, for status changes[29]Not statedNot statedNot stated
mediaFinanzPublic docs and OpenAPI spec; endpoints for a new claim, payment, closing and status[30]Not statedNot statedNot statedAccount after an eligibility check[31]Not stated
paywisePublic[34]Yes, a sandbox host and sandbox keys[34]Webhooks guide in the docs[34]Not statedBearer key; partner keys act for a company with a header[34]Not stated
Netherlands
IncassonetAfter connecting[35]Not statedYes[35]Not statedNot statedNot stated
nl.legalPublic API reference and OpenAPI 3.1 spec[36]Yes, free test keys; responses look like live ones but no case is created[36]Yes, signed (HMAC-SHA256), retried up to six times[36]Not statedBearer API key[36]Not stated
France
RubypayeurTechnical documentation with a pre-configured Postman demo[38]Test cases with the fictitious SIREN 123456789[38]You query the API for a case's status[38]. Webhooks: Not statedNot statedAPI token from the customer area[38]Not stated
First API call

What a first API call looks like

The endpoint, authentication and fields each provider documents for opening a case. Use it to size the integration before you talk to anyone.

From each provider's public documentation, checked 11 November 2026. Only providers whose documentation shows the call are listed.
ProviderCreate a caseAuthenticationTest setupWhat you send
Debitura (this site)POST /collection-requests on referral-api.debitura.com[4][5]XApiKey header, plus an Idempotency-Key[5]testreferral-api.debitura.com with a test key[4]One invoice per request: your ID for the client, the invoice reference, the debtor (type, name, country, address), amount, currency, invoice date and due date[5]
Atradius CollectionsPOST /case/customer/cases (Debt placement API)[10]Not statedNot statedThe example sends a document ID, currency, issue and due dates and gross and net amounts in cents[10]
mediaFinanz/collect/claim/new/[30]Not statedNot statedDebtor (name, postal address, contact details), the claim (amount in EUR, contract date, reason) and invoice details[30]
Modern CollectionsPOST /v1/placements on api.moderncollections.io[26]Bearer API key[26]api.demo.moderncollections.io with its own keys[26]Required: invoice number, invoice amount, invoice date, due date and the debtor's company name; the debtor's state drives the state rules[26]
nl.legal'One POST and your claim is ready as a case with us'[36]Bearer key; nll_test_ and nll_live_ keys[36]Test keys; a /ping endpoint checks the connection[36]Pre-collection or collection, several invoices and PDF attachments[36]
paywiseCase Management API; GET /v2/info/ returns your credential and environment[34]Bearer key[34]api-sandbox.paywise.de with sandbox keys[34]The example claim has your reference, a subject matter and line items with amount and currency[33]
RubypayeurJSON API; details in its technical documentation[38]API token[38]Fictitious SIREN 123456789[38]SIREN or SIRET, debtor contact details, amount including VAT, invoice number and dates, the invoice PDF and a supporting document such as a signed contract or quote[38]
TrueAccord (consumer)POST /api/v1/customers/ on api.trueaccord.com[39]HTTP Basic with the API key[39]Not statedCustomers with a name, at least one address, at least one email and at least one debt[39]
Fees and money

What your users pay, and where the money goes

Your users usually pay the collector's fee, so it shapes how a collection feature is received. 'Not stated' means we did not find a figure.

What each company states about the cost to its own customer, checked 11 November 2026. A platform's users usually pay this fee. No fee information on the pages we checked: Atradius Collections, Coface, Riverty, Creditreform, paywise, Incassonet, Rubypayeur.
ProviderFee as statedIf nothing is recoveredWhere the debtor pays
International and cross-border
Debitura (this site)From 6% in Europe and 7.5% elsewhere, depending on claim size and the debtor's country, shown before you submit[8]No fee: $0 upfront, success fee only[8]Debitura never holds the recovered money
Debtist'without additional costs', with a footnote on its home page[13]Not statedNot stated
Oddcoll9.5% of the recovered amount in Europe, 19.5% in the rest of the world; free for 30 days, then a monthly or yearly plan[18]'no-win, no-fee'[18]'the money is sent directly to you'[18]
United States and Canada
Altus'fully contingent on successful collections'; no setup fees[21]'no recovery, no fee'[21]Not stated
Modern Collections'5–15% of recovered cash, set per invoice before outreach'; no setup, seat or monthly minimum[24]No fee[24]'The debtor pays through the portal'[24]
Germany and Austria
FORDERUNG.COMAPI access is free[28]Not statedNot stated
incaseof.law'100% of the principal claim stays with you'; no success commission; default costs are paid by the debtor[29]Not statedNot stated
mediaFinanzFree sign-up[32]Not statedNot stated
Netherlands
nl.legalThe API connection is free; you pay for the collection that results[36]No Cure No Pay in the amicable phase[36]Not stated
Profiles

Each provider in short

Debitura first because we wrote this page, then alphabetically. "A good fit if" names a situation, not a score.

DDebitura (this site)

A good fit if your users invoice businesses in many countries and you want a "Send to collection" button with a revenue share for your platform.
How it works
A debt collection platform. Each case is matched to a licensed local collection agency or law firm in the debtor's country, which collects under local law. Debitura never contacts debtors itself and never holds the recovered money.
Coverage
180 countries
How a platform offers it
Starter integration: one API call and a button; Debitura hosts sign-up, agreement and identity checks with your logo. Full integration: onboarding, pricing preview and case status in your own screens[3].
Partner economics
With an integration, you earn 100% of Debitura's earnings on your cases until you have earned USD 5,000, then 50%. With a partner link, you earn 30%, rising to 50% on new cases once you have 100 cases in the last 12 months. The partner link is listed as coming soon[1].
Your users' cost
From 6% in Europe and 7.5% elsewhere, success fee only, $0 upfront[8].

Strengths

  • One agreement covers pre-legal collection in every country Debitura serves.
  • A test environment, signed webhooks and an Idempotency-Key for safe retries[4][5][6].
  • An MCP server and guides for building the integration with an AI agent[3].

Things to check

  • For partner platforms, consumer claims are off by default and opened country by country.
  • Disputed claims and legal action are quoted separately; legal action only starts if your user accepts the quote.
Referral partner programDebt collection API

AAltus

A good fit if your users have US or Canadian business debtors and you want to place accounts by API or SFTP.
How it works
Commercial debt recovery 'since 1994' for accounts 'from $1K to $10M+'[21].
Coverage
'all 50 states and Canada', partners in 67 countries through the Coface Global network[21].
API
Placement by 'client portal, bulk upload, API, or SFTP'[22].
Fees
'fully contingent on successful collections', no setup fees[21].

Strengths

  • Several placement routes. API, SFTP, bulk upload or portal[22].
  • Contingent fee. 'no recovery, no fee'[21].

Things to check

  • Not stated on its site: public API documentation, webhooks or partner terms.
Altus website

AAtradius Collections

A good fit if you want to place and update cases from your own ERP with a large B2B collection firm.
How it works
A B2B debt collection firm in the Atradius Group[9].
Coverage
'more than 40 countries'; '96%' coverage of the globe[9].
API
AR Bridge: Debt placement, Update and Reporting APIs[10].

Strengths

  • Public developer portal. The AR Bridge APIs are documented publicly[10].
  • Long track record. It states it has helped companies improve cash flow since 1925[9].

Things to check

  • Not stated on its site: terms for platforms that place cases for their own customers.
Atradius Collections websiteDebitura vs Atradius Collections

CCoface

A good fit if you already work with Coface or use software that embeds Coface services.
How it works
Coface's debt collection departments, which also serve its credit insurance and factoring lines[12].
Coverage
Coface states it is located in 'more than 100 countries'[12].
API
API products to create a debt collection case, manage a case and search case information[11].

Strengths

  • Embedded in partner software. CreditDevice, LeanPay, Intellimind, My DSO Manager and SCHUMANN[11].
  • Insured and uninsured invoices. Its services cover both[12].

Things to check

  • Not stated on the pages we checked: fees, test environment or terms for platforms.
Coface API portal

CCreditreform

A good fit if your users are in Germany and already use Creditreform for credit checks.
How it works
Creditreform's collection service, offered next to its business and consumer credit information APIs[27].
API
Collection API on the Creditreform developer portal, documented in English[27].
Access
Requested through a local Creditreform office or the contact form; a test is possible[27].

Strengths

  • One provider for credit checks and collection. Business, consumer and collection APIs on one platform[27].

Things to check

  • Not stated on the API page: coverage, B2B or B2C, webhooks or fees.
Creditreform API

DDebtist

A good fit if your users and their debtors are mainly in Europe and you want an agency API you can embed, for business and consumer debts.
How it works
'a registered debt collection agency' with its own REST API[14].
Coverage
'Active throughout Europe'[13]; the API page says 'in all countries of the world'[14].
Partner economics
'open to profit sharing', no rates published[14].

Strengths

  • Built for partners. Partners can collect 'on behalf of their own clients or in their own name'[14].
  • Chargebee integration. Overdue invoices move from Chargebee 'with just a few clicks'[15].

Things to check

  • Not stated on its site: public API documentation, a test environment or published partner rates.
Debtist website

FFORDERUNG.COM

A good fit if your users are in Germany and you want cases to move from their dunning system at a set level.
How it works
'a licensed legal service provider (debt collection company)' with the FORDERUNG.IO REST API[28].
Coverage
Germany, with a nationwide field service[28].
Access
Free, personalized API access with documentation and a test environment[28].

Strengths

  • Free API access. Including a personalized test environment[28].

Things to check

  • Not stated on its site: webhooks, B2B or B2C, or partner terms.
FORDERUNG.IO

Iincaseof.law

A good fit if your users are in Austria or Germany and run SAP, Business Central, sevDesk, DATEV or Odoo.
How it works
A state-licensed collection institute, 'licensed in Austria, registered in Germany'[29].
API
REST API with webhooks for status changes, CSV upload and two-way ERP connectors[29].
Fees
'100% of the principal claim stays with you', no success commission, default costs paid by the debtor[29].

Strengths

  • Partner program. For businesses that embed it in their product or refer mandates[29].
  • ERP connectors. SAP, Business Central, sevDesk, DATEV and Odoo[29].

Things to check

  • Not stated on its site: partner commission terms or public API documentation.
incaseof.law Enterprise

IIncassonet

A good fit if your users collect from Dutch debtors and you want webhooks and ready-made credit management integrations.
How it works
A Dutch collection agency[35].
API
REST API with webhooks; documentation after you connect[35].
Integrations
Creditdevice, Billtrust, Aryza and Onguard[35].

Strengths

  • Real-time status. Payments, agreements and documents flow back to your system[35].

Things to check

  • Not stated on its site: test environment, fees or partner terms.
Incassonet Incasso API

MmediaFinanz

A good fit if your users are in Germany and you want a documented API with a partner ID.
How it works
A collection company for Germany and abroad, member of the BFIF[32].
API
Public docs and OpenAPI spec for new claims, payments, closing and status[30].
Access
Reserved for 'clients and business partners', after an eligibility check[31].

Strengths

  • Partner field in the API. A partner ID assigned to cooperation partners[30].
  • Public field-level docs. Every request field is documented[30].

Things to check

  • Not stated on its site: webhooks, test environment or partner terms.
mediaFinanz API docs

MModern Collections

A good fit if your users' debtors are US businesses and you want public docs, a sandbox and a markup model.
How it works
'an independent third-party agency' for overdue commercial invoices[25].
Coverage
'Outreach is limited to states where we are cleared to operate'[23].
Partner economics
You set your customer fee and keep the difference over its fee of '5–15% of recovered cash'[24].

Strengths

  • Public docs and a sandbox. The sandbox runs the same API, dashboard and MCP server with its own keys[26].
  • Named platform partner. Alternative Payments offers a collections action inside its payments product[23].
  • Disputes. 'Outreach stops and a webhook alerts your integration'[23].

Things to check

  • Outreach is limited to the US states where it is cleared to operate.
Modern Collections website

OOddcoll

A good fit if your company has international B2B invoices and wants to upload them by API or CSV to local collectors.
How it works
Each international case goes to a local partner, chosen on results country by country[16][17].
Fees
9.5% in Europe and 19.5% in the rest of the world, success only[18].
API
Upload 'via the platform, API or CSV'[17].

Strengths

  • Published rates. Two flat commission rates[18].
  • Paid directly. 'the money is sent directly to you'[18].

Things to check

  • Not stated on its site: a program for platforms, public API docs, a test environment or webhooks.
Oddcoll websiteDebitura vs Oddcoll

Ppaywise

A good fit if your platform serves German businesses and you want a Partner API to onboard them.
How it works
A collection company and member of the BDIU[33].
API
Case Management API, Partner API and Mahnservice API for pre-collection dunning[34].
Test
Sandbox host and sandbox keys[34].

Strengths

  • Partner API. Onboards and manages several companies and acts for them[34].
  • Accounting integrations. Lexware Office, sevdesk, DATEV and others[33].

Things to check

  • Not stated on the pages we checked: coverage outside Germany or partner terms.
paywise API docs

RRiverty

A good fit if you collect in many countries and want one API connection for all of them.
How it works
Riverty, working with local collection providers it integrates[20].
Coverage
'21 countries'[20].
API
Collection API: claim transfer, recalls, rejections and closings, accounting information[19].

Strengths

  • One connection. One API across the countries it serves[19].

Things to check

  • Not stated on the pages we checked: B2B or B2C, test environment, webhooks or fees.
Riverty Collection API

RRubypayeur

A good fit if your users' debtors have a French SIREN or SIRET number and you want to open cases by API.
How it works
An online debt collection agency for B2B and B2C debts[37].
API
JSON API to open a case and follow it, 'available to all Rubypayeur customers (subscribers and non-subscribers)'[38].
Test
Postman demo and test cases with a fictitious SIREN[38].

Strengths

  • Easy to test. A pre-configured Postman demo[38].

Things to check

  • We read the API page in English through browser translation of the French original.
  • Not stated on the API page: webhooks or a program for platforms.
Rubypayeur website
Not the same thing

Often called a debt collection API, but something else

Search results and AI assistants often list these next to debt collection APIs. They solve a different problem: moving money, running your own collections or reminding before collection.

Checked 11 November 2026 on each company's own website.
TypeWhat it doesHow it differs from a debt collection API
Payment collection APIs, e.g. PayMeshMoving and reconciling payments across payment networks: 'One Collections API. Many underlying networks.'[41]No collector works an overdue debt for you.
Your own collections workspace, e.g. the Billtrust Collections API'programmatic access to collections data on your Collections platform tenant'[42]It reads and writes your own collections data; the claim is not placed with a collector.
Collection software you run, e.g. GetBillAI debt recovery software with a voice agent and a debtor portal, plans 'starting at 200 euros per month'[43]A tool for your own amicable recovery rather than a collector you hand the claim to.
AI collections for platforms, e.g. ResolveAI-powered collections, net terms and AR automation that payment platforms can embed[47]Software and AI agents; the page describes no human collectors.
Tools for AI collection agents, e.g. DebtLayer'the API and skills marketplace for AI debt-collection agents', with compliance checks and an MCP server[46]Built for teams running collection agents; it does not work your claims.
Software for collectors, e.g. Tratta and DebbieTratta is an operations layer that connects to a collector's system of record[44]; Debbie is a collection platform used by agencies, law firms and in-house teams[48]Built for the teams that collect, not for handing a claim over.
Reminder services before collection, e.g. CollBoxReminder calls and emails on past-due bills for law firms; it offers to match you with a collection agency[45]It works before collection; a debt collection API is the step after.
Accounts receivable and dunning softwareYour own reminders and payment follow-up before an invoice goes to collection.Often the place a "Send to collection" button sits, next to the unpaid invoice.

Also checked: collectors without a public API page

These collect claims but we found no API to send them to on the pages below. They may offer one on request.

ProviderWhat we found
IntrumOphelos, Intrum's AI-native collections platform, is live in six markets; the page does not describe how clients submit cases[49]
Allianz TradeOffers international debt collection and has an API developer portal; the page we checked ties no API to debt collection[50]
PAIR FinanceThe home page does not mention an API[51]; a 2021 brochure on its site describes a REST API with a test environment[52]
CollectiaIntegrations with Dinero, e-conomic, Microsoft Dynamics NAV and other systems; no public API described[53]
LegalcityIntegrations with Pennylane, Sellsy, Qonto, QuickBooks, Chargebee and others; no API described[54]
KollectaA 'nationally licensed third-party debt collection agency' in the US; no API mentioned on the page we checked[55]
AgentCollectAI-powered collection; the page describes uploading past-due invoices and mentions no API[56]
Consumer debts

If the debtors are consumers

Most providers above focus on business debtors. Consumer collection has its own rules and its own specialists.

Consumer-focused providers

TrueAccord's Recover API lets a creditor upload customers and their debts and query their status, with HTTP Basic authentication using an API key[39]. InDebted describes a consumer-focused service and lists solutions in ANZ, the UK, North America, Latin America, the UAE and Europe[40].

Several providers above also take consumer claims: Debtist, incaseof.law, Incassonet, nl.legal and Rubypayeur[13][29][35][36][37].

Debitura and consumer claims

Debitura collects from businesses across borders. Larger consumer portfolios are taken on as a project, agreed with the local partners first. For partner platforms, consumer claims are off by default and opened country by country.

Decision guide

Which option fits your platform?

Start from your users and their debtors, not from a ranking.

Your situationConsider
Your users invoice businesses in many countriesProviders that collect across borders: Debitura, Coface, Oddcoll and Riverty. Check each one's coverage line.
Your users' debtors are US or Canadian businessesAltus, Modern Collections or Debitura.
Your users are in Germany or AustriaCreditreform, Debtist, FORDERUNG.COM, incaseof.law, mediaFinanz, paywise or Debitura.
Your users' debtors are DutchIncassonet, nl.legal or Debitura.
Your users' debtors are French companiesRubypayeur or Debitura.
Your platform onboards many customersA multi-customer model: Debitura, Modern Collections, paywise, nl.legal (on approval) or mediaFinanz (partner ID).
You want to test before you signA public test environment: Debitura, Modern Collections, nl.legal, paywise or Rubypayeur.
You place your own invoices from your ERPAtradius Collections' AR Bridge, Coface, Riverty, incaseof.law's ERP connectors or Debitura's API.
You want your platform to earn from collectionDebitura publishes a revenue share, Modern Collections a markup model, Debtist is open to profit sharing.
You build with an AI agentProviders with an MCP server: Debitura and Modern Collections.
FAQ

Debt collection APIs: questions

Is there an API for debt collection?

Yes. As of 11 November 2026, we found 16 providers that let you send overdue invoices to collection through an API, among them Debitura, Atradius Collections, Coface, Modern Collections, nl.legal and paywise. They differ in who works the claim, where they collect and whether a platform can offer the service to its own users.

Which debt collection APIs work outside the US?

Debitura states 180 countries through local partners, Riverty 21 countries, Atradius Collections more than 40 countries and Debtist that it is active throughout Europe. Others focus on one market, such as nl.legal in the Netherlands or FORDERUNG.COM in Germany. Modern Collections works in the US states where it is cleared to operate.

Which debt collection APIs have a sandbox or test environment?

Of the providers on this page, Debitura, Modern Collections, nl.legal and paywise document a separate test environment or test keys, Rubypayeur offers test cases with a fictitious company number, and FORDERUNG.COM and Creditreform offer a test on request.

Can I embed or white-label debt collection in my platform?

Yes. Debitura offers a Starter and a Full integration with onboarding branded with your logo, Modern Collections offers referral, embedded and white-label models, and paywise has a Partner API that onboards several companies. nl.legal lets an intermediary submit for other creditors after approval.

Can my platform earn revenue from debt collection?

Some providers publish how. Debitura: with an integration, you earn 100% of Debitura's earnings on your cases until you have earned USD 5,000, then 50%. Modern Collections: you set your own customer fee and keep the difference over its fee. Debtist says it is open to profit sharing but publishes no rates, and incaseof.law has a partner program without published terms.

Who contacts the debtor when I embed debt collection?

The collector, not your platform. With Debitura, a licensed local agency or law firm in the debtor's country works the case; Debitura never contacts debtors itself. With Modern Collections, debtors hear from Modern Collections by name.

Do I need a collection license to offer this in my platform?

That depends on your country and on how you present the service, so check with your own legal adviser. With the providers on this page, the collection work is done by the provider or its licensed partner, not by your platform. With Debitura, your platform passes the invoice on and a local agency or law firm collects under local law.

What is the difference between dunning software and a debt collection API?

Dunning software sends your own reminders before an invoice goes to collection. A debt collection API hands the overdue invoice to a third party that works the claim, usually for a success fee. Many platforms offer both: reminders first, then a Send to collection button.

Sources and method

Where these facts come from

How we compare

We read each company's own website or public documentation and quote what it states, with the page and the date. German, Dutch and French pages are quoted in our English translation. Where we found nothing, we write "Not stated", which is not the same as "no". We have no inside knowledge of other companies' terms, and a provider may offer more than its public pages say.

Debitura's figures

Debitura's partner economics come from the referral partner page, its fees from the pricing page and its developer facts from docs.debitura.com, all read on 11 November 2026. Other Debitura figures: 180 countries.

Last checked

11 November 2026, by the Debitura team.

What changed

  • 11 November 2026: first published with 16 providers. Facts checked on each company's own website.

Sources

  1. Debitura, Referral Partner Program: Embed Debt Collection. debitura.com/solutions/referral-partners, accessed 11 November 2026.
  2. Debitura, Debt collection API with webhooks. debitura.com/integration/debt-collection-api, accessed 11 November 2026.
  3. Debitura, Developer docs: Referral Partners overview. docs.debitura.com/referral-partners, accessed 11 November 2026.
  4. Debitura, Developer docs: Environments and test data. docs.debitura.com/referral-partners/getting-started/environments, accessed 11 November 2026.
  5. Debitura, Developer docs: Build the collection button. docs.debitura.com/referral-partners/integration-guides/starter-integra, accessed 11 November 2026.
  6. Debitura, Developer docs: Webhooks. docs.debitura.com/referral-partners/integration-guides/webhooks, accessed 11 November 2026.
  7. Debitura, Developer docs: Case submission. docs.debitura.com/referral-partners/integration-guides/case-submission, accessed 11 November 2026.
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  9. Atradius Collections, About Us. atradiuscollections.com/global/about-us, accessed 11 November 2026.
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  11. Coface, API Portal. developers.coface.com/home, accessed 11 November 2026.
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  13. Debtist, Digital. Collection. Europe (home page). debtist.com/en, accessed 11 November 2026.
  14. Debtist, Debt Collection API: Receivables Management via Interface. debtist.com/en/tech/inkasso-api, accessed 11 November 2026.
  15. Debtist, Integrate digital debt collection into Chargebee now. debtist.com/en/partner/chargebee, accessed 11 November 2026.
  16. Oddcoll, International Debt Collection for Businesses. oddcoll.com, accessed 11 November 2026.
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  30. mediaFinanz, API docs v2.2: collect/claim/new. api.mediafinanz.de/docs/v2.2/inkasso_request_collect_claim_new, accessed 11 November 2026.
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Our approach. We respect the companies we compare with and do not speak badly about them. We describe how each service works, credit what it does well and link to the source. Missing a provider, or spotted something out of date? Write to contact@debitura.com and we will check it.

Add debt collection to your product

Make debt collection part of your product, next to the unpaid invoice, in 180 countries, without building a collection network. You earn a share of our revenue.

See the partner programRead about the API