Cases that meet the following criteria qualify for standard pre-legal collection under the Standard Debt Collection Agreement (SDCA):

Cases that do not meet these criteria may still be submitted, but fall outside standard pricing - a collection partner may take one at the standard rate anyway, or offer a custom quote instead.

The creditor type test is registration, not company size or legal form. A sole trader or freelancer who invoices under a registered business or sole proprietorship is an eligible creditor. An account that appears to be a private individual is flagged during automated validation and asked to upload a business registration document. A creditor invoicing purely in their own name, with no business registration, cannot proceed.

Standard pricing applies

Debitura handles both business-to-business (B2B) and business-to-consumer (B2C) debt collection:

Some collection partners specialize in either B2B or B2C collection. Debitura's partner matching system automatically routes cases to partners based on debtor type and other criteria.

Three separate minimums exist, they are set in different places, and only the first one decides whether the form will let you submit.

1. The portal minimum: $100 USD-equivalent, fixed. The case-creation form will not submit a claim below it, and the server behind that form repeats the check on submission whenever it can work out the USD equivalent. This applies to the principal claim only and does not include interest, fees, or other charges. It is not configurable per account - an agreed or partner-specific minimum does not lower it, so a $50 arrangement still will not let a $75 claim through this form. The four higher minimums below are additional gates in the same form.

2. The automatic-validation minimum: configurable, applied after the case is created. Once a case exists, Debitura's validation engine works out which minimum applies to it: a minimum agreed in your client-partner arrangement takes precedence, then the collection partner's own minimum, and the $100 platform default applies when neither is set. For a case that passed the portal's $100 check, this only makes a difference when the configured minimum is higher than $100 - a $200 agreed minimum can hold a $150 case the form already accepted. A portal case whose gate was skipped was never checked against $100 at the form, so this check can block it there. For a case created through the Customer API it is the only one of these that can block on amount, since Customer API submissions do not execute the portal's gates - so it can block at $100 there. A case blocked here is routed to internal admin review and you are not notified automatically. If you are unsure which minimum applies to your account, ask in your support conversation before submitting borderline claims.

3. Partner matching thresholds: set by each collection partner. These decide which partner a case is offered to, not whether it can be created. They are independent of both minimums above.

The portal gates, at a glance:

The $3,000 thresholds apply to private (B2C) debtors only. Claims against company debtors (B2B) bypass the elevated gates even when disputed or under a non-standard claim type - the $100 portal minimum and every other eligibility check still apply to them.

For private individual (B2C) cases where no collection partner is available for the debtor's jurisdiction, a minimum of $3,000 USD-equivalent applies. This is not restricted to claims denominated in USD - claims in other currencies are converted at current exchange rates and measured against the USD-equivalent threshold. Such cases are blocked at step 3 of the case creation wizard if the claim amount falls below it. If a partner match is found for the jurisdiction, the gate does not apply.

For non-USD claims, the amount is converted to USD at current exchange rates. When a case is blocked at submission, the error message shows the equivalent in the claim currency.

Individual collection partners set their own minimum case values for the work they will take on. These are matching filters, not submission gates: they do not replace the $100 portal minimum and they are not the same setting as the automatic-validation override. A case that cleared the form may still find no partner if it falls below the thresholds of the partners who cover that jurisdiction. When no partner accepts a case for that reason, Debitura tracks it as a coverage gap. The partner that covers the debtor's country can set this threshold higher than the platform minimum - for the USA, the partner currently covering US debtors requires at least $500 USD per case, for both company and private debtors. The case-creation form shows the applicable partner minimum before you submit.

Debitura provides debt collection coverage across 183 countries.

Coverage depends on having an active collection partner licensed to operate in each jurisdiction.

Jurisdictions are classified into two pricing regions:

European cases qualify for lower success fees than International cases. See countries and jurisdictions for the complete coverage list.

Documentation requirements depend on the claim value and debtor type:

See documents and evidence checklist for detailed requirements by claim type.

Debitura accepts debts of any age as long as they are within the statute of limitation. However, older debts incur fee surcharges under the SDCA:

The highest applicable bracket applies; uplifts do not stack cumulatively (single-bracket uplift). Those are the figures in current SDCA versions - a small number of long-standing relationships are on the previous version, which uses +10 and +20 instead, and a signed agreement governs. These surcharges reflect the increased difficulty of collecting older debts. See age-based fee surcharges for details.

The following cases fall outside standard SDCA pricing. A collection partner may still accept them at the standard rate, or submit a custom quote instead:

Custom quotes allow collection partners to propose pricing appropriate to the specific circumstances. The client reviews and accepts quotes before collection begins.