eCollect Invoice-to-Cash
Invoice-to-Cash platform

Collection with our own software

Invoicing, dunning, collection and lawyer in one system. Digital-first, so customers settle in minutes instead of waiting days for a letter.

  • All four modules from one provider
  • 50+ countries, 13 currencies
  • API-first, fully digital
Collection roomlive demo
78%pay before legal action
<10 minto settlement
410Ktech events per day
    Illustrative events, not customer data
    Customer payment page on a phone
    60+ payment methods, 12 digital currencies
    Proof

    From three days to ten minutes

    A letter needs the post office. A pay-link needs one tap.

    Traditional collection3+ days
    • Letter
    • Post office
    • Delivery
    eCollect digital-first<10 min
    • Email or chat
    • Pay-link
    • Payment page
    78%

    pay during pre-legal collection

    35%

    drop in days sales outstanding (DSO)

    44%

    lower collection cost

    21.4Mdigital contact points through July 2026
    410Ktech events per day
    50+countries, 13 currencies
    108FTEs, 14 nations, 13 languages
    How it works

    Four modules, one platform

    Follow a receivable from the first invoice to the lawyer. Pick a stage.

    Orchestration

    Every customer gets their own journey

    Machine learning reads 40 data points per customer and tunes five levers. The tone adapts by generation.

    Channel
    Timing
    Solution
    Frequency
    Stylistic tools
    BuildersAged 71+
    Baby BoomersAged 52–70
    Generation XAged 37–51
    Generation YAged 22–36
    Generation ZAged 7–21
    AI

    AI on every step

    AI agents work in three layers of the I2C system: with the customer, inside the process and on the forecast.

    Layer 01Talks to the customer
    • Chat agent
    • Voice agent
    • Email reply agent
    Layer 02Runs the process
    • Dynamic Flow Orchestrator
    • Payment matching
    Layer 03Looks ahead
    • Payment prediction
    • Analytics agent
    • Cash-flow forecasting

    Rolled out in stages: some agents are in production, others in proof of concept or planned.

    Next-generation I2C

    Pick your goal

    See which parts of the system serve it.

    Customer payment page

    From invoice to paid in three screens

    One payment page for all EU countries, on desktop and mobile, white-label in each client’s brand.

    1Open the invoice
    Payment page showing the open invoice
    2Choose a payment method
    List of payment methods
    3Payment confirmed
    Payment confirmation screen

    Klarna · Apple Pay · Google Pay · EPS · iDEAL · Bancontact · Swish · Card · Direct debit · Bank transfer

    Why eCollect

    What you really get

    All four modules, end to end

    Invoicing, dunning, collection and lawyer from one provider.

    Cross-European market

    50+ countries, 13 currencies, multi-language.

    Tailor-made and adaptive

    Adapted to your needs: white-label, modules switched on per country.

    API-first, fully digital

    REST API, real-time data transfer, digital payment page.

    Your effect

    What would this mean for your receivables?

    Move the sliders. The estimate applies eCollect’s average results to your numbers.

    39 daysDSO after a 35% drop
    €44,000saved per year at 44% lower collection cost
    3,900invoices settled before legal action at 78%
    Estimate from average results across eCollect clients. Not an offer; your results depend on portfolio and market.
    Architecture

    Plugs into the systems you already run

    Client systems, middleware API, eCollect platform, end customer.

    Client systems
    • ERP
    • CRM
    • Claims
    • Finance
    Four ways in
    • .csv file transfer
    • Partner systems
    • Server integration
    • REST API
    Middleware API
    eCollect platformeCollect
    • Customer database
    • Communication engine
    • Accounting & reporting
    • AI / advanced analytics
    • Payment matching
    • CX journey orchestration
    End customer
    • Digital touch points
    • Call center
    • Payment solution
    • Settlement
    Real-time data transfer in both directions
    Portrait of Marc Schillinger

    Marc Schillinger

    Co-Founder and CEO

    20 years in the industry, former Executive Board Member of Lowell Group

    Company

    A European FinTech with its own collection technology

    • Tech hub in Sofia, operations hub in Essen
    • Intrum partnership since September 2023
    • Recognised by investors, media, tech leaders and industry disruptors
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    Next step

    Let’s innovate the world of receivables together