Eligibility criteria (summary)
To qualify for standard "No Cure, No Pay" collection, a case must meet all of these:
Criterion | Requirement |
Creditor type | A registered business - sole traders and freelancers qualify when invoicing under a registered business or sole proprietorship |
Minimum amount | The base minimum for every case, however it is created ($100 USD-equivalent by default, or the minimum configured for your client/collection-partner relationship or partner); $3,000 USD for disputed B2C or non-standard B2C; $500 USD for US cases with a partner match, company or private debtor; $3,000 USD-equivalent for any case with no exclusive partner match, company or private debtor - see Minimum claim amount below |
Claim type | Unpaid Invoice or Loan Repayment |
Dispute status | Not disputed (or unknown) |
Legal status | Not in court or legal proceedings |
Debtor status | Not bankrupt or insolvent |
Time limit | Statute of limitations not expired |
Coverage | Debitura has a partner in the debtor's jurisdiction |
Industries | Not from a prohibited industry |
Our core is collecting from businesses across borders. For a larger portfolio of consumer claims, contact us: we run it as a project, and the local partners agree the terms before any case is uploaded.
Minimum claim amount
Every new case must meet the base minimum that applies to it, however it is created - in the portal, through an integration or through the Customer API. The base minimum defaults to $100 USD (or the equivalent in its currency). A minimum agreed for your exact client/collection-partner relationship takes precedence, then the effective collection partner's minimum (the managing firm's, where applicable), then the $100 platform default. The first configured value wins, including zero. For example, if your arrangement sets a $50 minimum, a matched $75 claim against a debtor outside the US can be submitted; if it sets a $200 minimum, a $150 claim is refused before the case is created. A case below the base minimum that applies is never created: in the case-creation form you see a validation error. Clearing the base minimum does not bypass the separate US, no-match or private-debtor (B2C) minimums below.
After a case is created, automatic validation checks the minimum again, using the same configuration: 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. A case whose base-minimum check was skipped when it was created can be held here, and it goes to internal review with no notification to you. If you are unsure which minimum applies to your account, ask in your support conversation before submitting borderline claims.
Higher minimums apply in specific scenarios. Two of them depend on the debtor type:
Disputed pre-legal cases (B2C only): $3,000 USD minimum when the debtor is a private individual and the dispute status is "Disputed".
Non-standard claim types (B2C only): $3,000 USD minimum for Breach of Contract, Property Damage, Personal Injury, Defamation, Product-Related, and Other claim types when the debtor is a private individual.
The other two make up the admission minimum, the platform's own intake floor for your claim. Which one applies depends on whether an exclusive collection partner matches the claim, and both apply to company and private debtors alike, for any claim type:
US cases with a partner match: $500 USD-equivalent minimum when the debtor is in the United States and an exclusive collection partner matches the claim.
No exclusive partner match, in any country (including the US): $3,000 USD-equivalent minimum when no exclusive collection partner matches the claim for the debtor's jurisdiction. Claims in other currencies are converted and measured against the USD-equivalent threshold. If a partner match is found, this gate does not apply regardless of amount.
A matched case outside the US has no admission minimum on top of the base minimum, but the market minimum described below still applies. The base and US minimums also apply to cases created through the Customer API and the Referral Partner API. The no-match minimum does not, because those two APIs reject every case without an exclusive partner match, at any amount.
The disputed and non-standard minimums apply to private (B2C) debtors only. Claims against company (B2B) debtors bypass those two gates even when disputed or non-standard - but the base minimum, the admission minimum and every other eligibility check still apply.
For non-USD claims, amounts are converted to USD at current exchange rates. The base minimum and the four higher minimums above are enforced in the case-creation wizard: if your claim is below one that applies to you, the form blocks submission and the error message shows the equivalent in your claim currency. For example, a US case below $500 is stopped at the end of step 2 with the message "US cases require a minimum claim amount of $500 USD", and a case below $3,000 USD-equivalent with no exclusive partner match is stopped at step 3, the partner-matching step. All five are also checked again when the form is submitted. One caveat on that: the gates need a working currency conversion, and if the rate lookup fails they are skipped rather than applied. Automatic validation works differently - a case it holds was already created, so there is no form error; it is routed to internal review, with no notification to you.
The market minimum belongs to the partners rather than to the platform: it is the lowest claim a collection partner covering the debtor's jurisdiction takes for that debtor type, and it can be higher than the platform minimums. It decides whether an exclusive partner matches your claim, and so which admission minimum applies: a claim below the market minimum finds no exclusive partner match, and the $3,000 USD-equivalent no-match minimum then applies. Raising the amount can change the answer, because a larger claim can start matching a partner.
Because the market minimum and the match depend on the country, the debtor type and the amount, this page does not list a figure per country. There is no single US market minimum: it depends on the state and the debtor type, and is checked live. To check a specific claim, start it in the case-creation form: if the claim is below a minimum that applies, the form stops it and names the minimum before anything is submitted. You can also ask Debitura support with the debtor's country (and state, for the US), the debtor type, the amount and the currency. That answer is a general estimate, not an acceptance, and other checks can still apply.
Documentation requirements
The SDCA requires supporting documentation based on the claim size (§04.4):
Claim size (USD equivalent) | Documentation required |
Under $2,000 | Debtor contact details sufficient - no supporting file needed |
$2,000 – $10,000 | Either a supporting file (invoice, contract, statement) or a written description of the debt |
Over $10,000 | Supporting file mandatory |
Consumer debtor (any amount) | Both supporting file and written description mandatory |
Complex or non-standard claim types | Both supporting file and written description mandatory |
The Collection Partner may request additional documentation at any time via the platform.
Accepted claim types
Two claim types qualify for automatic assignment and standard success fees:
Claim type | Standard pricing? |
Unpaid Invoice | Yes |
Loan Repayment | Yes |
Other claim types (Breach of Contract, Property Damage, Personal Injury, Defamation, Product-Related Claims, Other) fall outside standard pricing - the collection partner may take the case at the standard rate anyway, or offer a custom quote instead.
Dispute status
The Standard Debt Collection Agreement (SDCA) covers undisputed monetary claims only. A case qualifies when the dispute status is either "Not Disputed" or "Unknown."
If the debtor disputes the debt, the case cannot proceed under standard terms. See disputed claims for what happens when a debtor contests the debt.
Jurisdictions and coverage
Debitura operates in jurisdictions worldwide where we have collection partners. The debtor's location determines which partner handles the case. For details on available regions and coverage rules, see Countries and jurisdictions.
For pricing purposes, jurisdictions are grouped as either "European" or "International":
European: All EU countries plus Iceland, Liechtenstein, Norway, the UK, and Switzerland. These cases have lower success fee rates.
International: All other countries worldwide.
Prohibited industries
Debitura does not accept cases from the following industries due to regulatory compliance, legal risk, and operational constraints:
Gambling and online gaming - casinos, sports betting, poker, lottery services, and similar activities where participants risk money for potential winnings
Cryptocurrency and digital assets - crypto exchanges, NFT marketplaces, DeFi platforms, mining operations, and token-based businesses
Multi-level marketing (MLM) - network marketing organisations with multi-level compensation structures and recruitment-based commissions
Predatory "make money" programs - high-ticket programmes whose primary product is the promise of wealth rather than a verifiable skill: recursive course-reselling, get-rich mentorship and coaching, trading signals sold as education, "done-for-you" business packages, influencer-monetization schemes, dropshipping systems, and affiliate-marketing blueprints sold as courses
Adult entertainment and content - pornography, adult streaming services, escort services, and age-restricted sexual content platforms
Cases from prohibited industries are automatically screened during validation. If a case is flagged, it is held for Debitura admin review. The screening focuses on the creditor's primary business model, so companies that incidentally serve some prohibited-sector clients are not blocked.
What happens after you submit: automated validation
After you submit a case, Debitura's automated validation engine runs approximately 1 hour after submission. This delay is intentional - it gives you time to notice and correct data entry errors before the system sends a formal notification. If all checks pass, the case advances automatically. If an issue is found that you can fix, you receive a task with a 7-day deadline and an email listing what is needed.
The following 6 types of issues can result in a request sent to you:
Issue | What triggers it |
Missing document | No document uploaded when your claim type or amount requires one |
Missing claim description | Complex claim type (not an unpaid invoice or loan repayment) submitted with no description |
Claim amount does not match your document | The amount on your case differs from the amount on your uploaded document - you are asked to confirm the correct amount or explain the difference |
Currency mismatch | The currency on your case differs from the currency on your document although the amounts line up - you can correct the currency or confirm it is already right |
Debtor address or jurisdiction mismatch | Debtor's address clearly belongs to a different country than the selected jurisdiction |
Creditor appears to be an individual | Account looks like a private individual, not a registered business |
Debtor matches creditor | Same email address, company name, or phone number as your own account |
The claim amount and currency checks are two branches of the same underlying rule, which is why the list above shows seven rows for six issue types.
If your case is flagged because your account looks like a private individual, upload your business registration document to clear it. Sole traders and freelancers are eligible creditors when they invoice under a registered business or sole proprietorship - the test is registration, not company size or legal form. If you invoice purely in your own name, with no business registration, the case cannot proceed.
4 further checks are handled internally by Debitura - you are not notified for these. If your case appears on hold with no action requested from you, Debitura may be reviewing it for a prohibited industry, a claim amount below the minimum that applies to your account, a signature concern, or a duplicate case. A team member will contact you if needed.
When a custom quote comes into it
Standard fixed pricing does not apply automatically in these cases. The partner may still take the case at the standard rate, or offer a custom quote instead:
The claim type is not Unpaid Invoice or Loan Repayment
The debt is disputed by the debtor
The case requires court action or legal escalation
No exclusive partner exists in the debtor's jurisdiction
Where the partner does quote, they review the case and offer pricing, and you approve or decline it before the case proceeds.
What is excluded
The following are not covered by the standard pre-legal agreement:
Disputed debts: Claims where the debtor contests validity, amount, or payment status
Legal action cases: Cases requiring court proceedings need a separate agreement
Bankrupt or insolvent debtors: Partners cannot collect from insolvent debtors
Time-barred debts: Claims where the statute of limitations has expired
Prohibited industries: Cases from gambling, cryptocurrency, multi-level marketing (MLM), adult entertainment, or predatory "make money" sectors (see Prohibited industries section above)
Where to create a case
To submit a new case, go to Create Case in your Debitura account. The system validates eligibility automatically when you submit.
