Borrower moved abroad
The installments ran on time until the customer relocated, and now the account sits in another legal system.
Financial services and fintech
Debt collection for financial services and fintech companies
Unpaid loan repayments, lease arrears, merchant balances and fees from customers in other countries, collected by a licensed partner in the debtor's country. You pay only when money is recovered.
$0 upfront Licensed partners in the debtor's country REST API and webhooks for volume
Sound familiar?
Why financial services balances go unpaid across borders
You lend, lease and process payments for customers in many countries. Most pay. The ones that stop are spread across markets with their own rules.
Merchant balance after chargebacks
Refunds and chargebacks turned a merchant balance negative, and the merchant stopped answering once settlements ended.
Lease payments stopped mid-term
A business lessee in another country missed several payments, and nobody on your team is on the ground there.
Rules differ by country
Each country applies its own consumer credit, conduct and licensing rules, and one wrong step creates regulatory risk.
How Debitura helps
A licensed partner where the debtor lives
We match each claim to a vetted local partner that holds the licence or registration the debtor's country requires. You sign one agreement and follow every case on one platform.
Licensed where the debtor lives
Before a partner joins, we check its licence and registration and verify who it is. That matters most when the borrower is a consumer.
Consumer rules applied locally
The partner follows the national rules on forbearance, default charges and contact limits, such as the EU Consumer Credit Directive 2023/2225 and US Regulation F.
Business debtors checked locally
For B2B loans, leases and merchant balances, the partner checks the company's status and any insolvency filing in local registers.
Built for volume
Send claims from your own systems
Start with a CSV export of overdue accounts, then automate with the REST API and webhooks. Flag a case as a test case and point each webhook at test or live before you go live.
- CSV upload: send many overdue accounts at once from a spreadsheet export.
- REST API and webhooks: create cases from your own systems and react to every status change.
- Test before you go live: flag a case as a test case, and point each webhook at test or live.
How it works
From overdue invoice to money in your account
- Submit the claim
Upload the agreement, the statement of account and the default notice if you sent one. You see the fee before you confirm.
- A local expert takes over
We match the claim to a licensed partner in the debtor's country. You talk to them directly in the case chat.
- You get paid
You get paid what is recovered, minus the partner's share. Court action only starts if you accept a quote.
What it costs
No Cure, No Pay, with the fee shown before you submit
No setup fee, no subscription and no retainer. If money is recovered, the success fee depends on where the debtor is and the size of the claim. Clients sending 20 or more claims a month to one country can ask about volume rates.
Europefrom 6%
EU member states, Iceland, Liechtenstein, Norway, the UK and Switzerland
Internationalfrom 7.5%
Every other country, including the United States
Where we collect
Collect from borrowers and merchants in 180 countries
Your customers can be anywhere. A licensed partner in each debtor's country takes the case.
FAQ
Debt collection for financial services
Ist Debitura ein Inkassounternehmen?
No. Debitura is a debt collection platform. We match your case to a licensed local collection agency or law firm in your debtor's country, which does the collection under local law. We provide the agreement, the platform and the quality checks.
Do I have to pay anything upfront?
No. There is no setup fee, subscription or retainer. You pay a success fee only on money that is recovered. Legal action is quoted separately and only starts if you accept the quote.
Can you collect a single loan repayment from a borrower in another country?
Yes. Debitura covers undisputed unpaid invoices and loan repayments, pre-legal, from businesses and consumers. A licensed local partner in the borrower's country collects under local law. Portfolio sales of consumer credit-card, auto or student loans are outside this service.
Does the FDCPA apply when we collect from a business?
No. The FDCPA defines debt as a consumer obligation for personal, family or household purposes, so B2B loans, leases and merchant balances fall outside it. Consumer debts collected by third parties follow the FDCPA and Regulation F.
What changes on 20 November 2026 for consumer credit in the EU?
Member States must apply the Consumer Credit Directive (EU) 2023/2225 from that date. It brings buy now, pay later into scope, requires reasonable forbearance before enforcement and lets consumers keep their defenses after a claim is assigned.
Can we automate case creation?
Yes. Use the REST API and webhooks or CSV upload, and test with test cases before you go live.
Do we stay in control?
Yes. You decide whether to escalate, you approve payment plans over 12 months and discounts over 20%, and you can see every action the partner logs.
What does it cost?
From 6% in Europe and 7.5% elsewhere, depending on claim size and the debtor's country. See the full fee schedule.
Recover what customers abroad owe you
Create a free account and submit your first claim in two minutes. You see the fee and the partner before anything starts.