What is the billing relationship?
Debitura connects you with a local collection partner (the Collector) who handles your case. All billing happens directly between you and the Collector. Debitura itself never receives funds from debtors or clients; the platform facilitates the connection and provides the software infrastructure.
The terms of your billing relationship are defined in the Standard Debt Collection Agreement (SDCA), which you sign before submitting cases.
Why does this matter?
Understanding who invoices you and what charges apply helps you plan your cash flow and verify that invoices match the agreed terms. It also clarifies your obligation to notify the Collector if a debtor pays you directly, which protects your relationship and ensures proper fee calculation.
Default flow: the debtor pays the Collector
In most cases, the debtor pays the collection partner directly. When funds arrive:
The Collector deducts the agreed success fee, any applicable late payment fees, interest, and VAT.
The Collector transfers the remaining balance to you within 30 business days of recovery.
In this scenario, you do not receive an invoice because the Collector deducts fees before disbursing your share.
Alternative flow: the debtor pays you directly
In some jurisdictions (for example, India or Bangladesh) or when debtors bypass the Collector and pay you directly:
You receive the full payment from the debtor.
The Collector issues an invoice to you covering their success fee, any fees that would have been charged to the debtor, and applicable VAT.
You must settle the invoice within 10 days of the invoice date.
Important: If the debtor pays you directly, you must inform the Collector in writing within 3 days of receipt. Receiving payment does not remove your obligation to pay the Collector for services rendered.
For step-by-step instructions, see How to report a direct payment from the debtor.
What the invoice includes
When the Collector invoices you (in the alternative flow), the invoice typically includes:
Success fee: A percentage of the principal amount, calculated based on claim size, jurisdiction (European or International), and debt age. See Success fees: how pricing is calculated for details.
VAT/sales tax: Calculated based on the VAT rate in the Collector's jurisdiction. See VAT & taxes for more information.
Additional costs: Only if you approved them in writing before the Collector incurred them. All additional services are optional.
For a complete breakdown of possible charges, see Additional fees & charges.
When to expect your funds
The Collector will disburse your share within 30 business days of recovery. This applies whether the debtor paid the Collector directly or paid you (after you settle the Collector's invoice).
Late payment consequences
If you receive an invoice from the Collector and do not pay within 10 days:
Overdue amounts accrue interest at 12% per annum from the due date.
If the invoice remains unpaid for more than 30 days past due, an additional 10% flat late payment fee applies based on the invoiced amount.