What it is
As a referral partner, you integrate Debitura's debt collection API into your own SaaS platform. When your customers use the collection service and successfully recover funds, you earn a percentage of Debitura's earnings on those cases.
Unlike traditional affiliate programs, the referral partner model is based on deep API integration. You create Debitura accounts on behalf of your customers, submit cases programmatically, and optionally provide a white-label experience where your customers never see the Debitura brand.
Why it matters
The referral program creates aligned incentives: you only earn when collections succeed, which means you benefit from the same outcomes your customers want. This model provides:
A passive, scalable revenue stream on your existing customer base
No operational burden (Debitura handles compliance, case management, and the collection partner network)
No upfront costs or minimum fees
What you earn
Referral partners earn 30-50% of Debitura's platform revenue on attributed cases (the exact percentage is defined in your partnership agreement). The exact referral fee depends on your case volume and referral partner agreement.
Debitura earns its revenue by taking a share of the collection partner's success fee. That share is then split with you.
Example calculation:
Debtor pays | £1,000 |
Collection partner success fee (15%) | £150 |
Collection partner pays client | £850 |
Debitura platform fee (40% of £150) | £60 |
Your referral fee (50% of £60) | £30 |
Net to Debitura | £30 |
You earn a share of Debitura's revenue, not the total collected amount. This keeps incentives aligned across all parties.
What counts as a referral
Attribution depends on how your customer was introduced to Debitura:
Attributed customers are customers you brought to Debitura who did not have a Debitura account before. For attributed customers, you earn fees on all their cases, regardless of how those cases are created (even if the customer later submits cases directly through Debitura's web app).
Non-attributed customers are customers who already had a Debitura account before linking to your platform. For non-attributed customers, you earn fees only on cases submitted through your platform (using your integration's bearer token). Cases they create directly in Debitura do not generate referral fees.
Customer type | Fee trigger |
Attributed | All cases from this customer |
Non-attributed | Only cases submitted via your integration |
If a case should have generated fees but did not, see Missing lead attribution for troubleshooting steps.
When payouts happen
Referral fees move through four stages before reaching your bank account:
Unrecognized - The debtor has paid, but Debitura has not yet received its platform fee from the collection partner. Fee amounts can fluctuate due to exchange rates at this stage.
Recognized (uninvoiced) - Debitura has received the platform fee. Your referral fee amount is now locked and confirmed.
Invoiced - You have invoiced Debitura for this fee (included in your monthly invoice).
Paid - Debitura has paid you. Revenue cycle complete.
Payment timing:
You invoice Debitura monthly for all fees that reached Stage 2 (recognized, uninvoiced) during the previous month.
Debitura pays within 20 business days of receiving your invoice.
You can choose to receive payment in GBP, EUR, or USD (as specified in your partnership agreement).
For detailed information on the revenue recognition stages and reconciliation process, see Revenue sharing and financial reconciliation.
Where to track your earnings
You can view all your earnings and their current stage through the Reporting API endpoint GET /reporting/transactions. This endpoint returns a breakdown by revenue stage so you know exactly which fees are ready to invoice.
Developer Docs: Developers implementing the integration can find API specifications in the Referral Partner API reference.
What to expect
Your customers must sign the Standard Debt Collection Agreement (SDCA) before submitting cases. You can white-label this onboarding flow with your own branding.
Referral fee percentages are locked at the time each customer is linked, so renegotiating your partnership agreement does not affect fees on existing customers.
If your partnership ends, a tail period (typically 24 months) ensures you continue earning on existing attributed customers.