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Pricing and Fees

Understanding Debitura's pricing model, fees, and how costs are calculated.

Pricing Model​

Debitura operates on a success-based pricing model - you only pay when we successfully collect money.

Core Principles​

  1. No upfront fees - No cost to submit cases
  2. No monthly minimums - Pay only for results
  3. Success-based - Fees calculated as percentage of collected amount
  4. Transparent - All fees disclosed upfront
  5. Cost recovery - Certain costs may be recovered from debtor

Fee Structure​

Collection Fees​

Standard B2C (Business-to-Consumer):

  • 0-30 days overdue: 15% of collected amount
  • 31-90 days overdue: 20% of collected amount
  • 91+ days overdue: 25% of collected amount
  • Legal action required: 30% of collected amount + legal costs

Standard B2B (Business-to-Business):

  • 0-30 days overdue: 10% of collected amount
  • 31-90 days overdue: 15% of collected amount
  • 91+ days overdue: 20% of collected amount
  • Legal action required: 25% of collected amount + legal costs

Cross-border collections:

  • Additional 5-10% fee depending on jurisdiction
  • Higher legal costs due to international processes
note

Exact fees may vary based on:

  • Negotiated contract terms
  • Case volume commitments
  • Debt amount and complexity
  • Jurisdiction and legal requirements

Fee Components​

1. Collection Fee​

Debitura's service fee for successfully recovering the debt.

Calculation:

Collection Fee = Collected Amount × Fee Percentage

Example:

  • Debt: €1,000
  • Collected: €1,000
  • Fee rate: 20%
  • Collection fee: €200
  • Creditor receives: €800

Out-of-pocket expenses for legal proceedings when escalation is required.

Typical costs include:

  • Court filing fees
  • Attorney fees
  • Bailiff/enforcement costs
  • Document certification
  • Translation costs (cross-border)

Cost recovery:

  • Legal costs are typically added to debtor's obligation
  • If recovered from debtor, passed to creditor
  • If not recovered, may be deducted from collection proceeds

Example:

  • Debt: €5,000
  • Legal costs incurred: €500
  • Total debtor owes: €5,500
  • If full amount collected: Creditor receives debt minus collection fee
  • Legal costs recovered from debtor

3. Interest and Late Fees​

Statutory interest:

  • Added to debt based on jurisdiction rules
  • Typically 8-12% annually in EU jurisdictions
  • Collected from debtor, passed to creditor

Late payment fees:

  • Jurisdiction-dependent
  • Fixed amounts or percentages
  • Passed to creditor when collected
tip

Interest and late fees increase the total collectible amount, improving recovery for creditors while incentivizing debtor payment.

Payment Allocation​

When a payment is received, it's allocated in this priority order:

  1. Legal costs (if applicable)
  2. Interest and late fees
  3. Principal debt amount
  4. Collection fee (calculated on total collected)

Example allocation:

  • Partial payment received: €3,000
  • Legal costs: €500
  • Interest accrued: €300
  • Principal: €5,000

Allocation:

  1. Legal costs: €500
  2. Interest: €300
  3. Principal: €2,200 (of €5,000)
  4. Remaining principal: €2,800
  5. Collection fee: 20% of €3,000 = €600
  6. Creditor payout: €2,400

Settlement Discounts​

When debtors can't pay the full amount, settlements may be negotiated.

Settlement Terms​

Early settlement (before escalation):

  • Typically 70-90% of total debt
  • Faster resolution
  • Lower fees (pre-escalation rates)

Post-legal settlement:

  • Typically 50-70% of total debt + legal costs
  • Avoids lengthy litigation
  • Standard escalation fees apply

Settlement approval:

  • Creditor approval required for settlements below threshold
  • Auto-approved if above creditor's minimum recovery percentage
  • Communicated via webhook and portal

Volume Discounts​

For high-volume creditors, discounted fee rates may apply:

Monthly Case VolumeDiscount
1-50 casesStandard rates
51-200 cases5% fee reduction
201-500 cases10% fee reduction
501+ casesCustom pricing
info

Contact sales for enterprise volume pricing: sales@debitura.com

Partner Fee Models​

Referral Partners​

Revenue share model:

  • Partner earns percentage of Debitura's collection fee
  • Typical split: 20-40% of collection fee
  • No fees to partner for case management
  • Payout alongside creditor payout

Example:

  • Collected: €10,000
  • Collection fee: €2,000 (20%)
  • Partner share: €400 (20% of fee)
  • Debitura retains: €1,600
  • Creditor receives: €8,000

Collection Partners​

Commission model:

  • Partner earns percentage of collected amount
  • Typical rates: 30-50% of Debitura's collection fee
  • Additional bonuses for high recovery rates
  • Monthly payouts

Invoicing and Payouts​

Creditor Payouts​

Standard payout schedule:

  • Payments collected from debtors
  • Fees calculated and deducted
  • Payout processed within 5 business days
  • Transferred to registered bank account

Payout methods:

  • Bank transfer (SEPA for EU)
  • International wire (non-EU)
  • Batch payouts for multiple cases

Fee Invoicing​

For creditors:

  • Fees automatically deducted from payouts
  • Invoice provided for accounting records
  • Available in portal and via API

For partners:

  • Monthly invoice for revenue share/commissions
  • Includes all cases closed/paid during period
  • Electronic invoicing available

Transparency and Reporting​

Via Portal​

Access detailed fee breakdowns:

  • Case-level fee calculations
  • Payment allocations
  • Legal cost itemization
  • Historical fee reports
  • Payout statements

Via API​

GET /v1/cases/{case_id}/financial-summary

Response includes:

  • Original debt amount
  • Total collected
  • Fees by category
  • Legal costs
  • Net payout to creditor
  • Interest and late fees collected

Fee Estimator​

Before Case Submission​

Use the quote API to estimate fees:

POST /v1/quotes
{
  "debt_amount": 5000,
  "currency": "EUR",
  "debt_age_days": 60,
  "debt_type": "b2b",
  "jurisdiction": "DE"
}

Response includes:

  • Estimated collection fee percentage
  • Expected legal costs (if escalation likely)
  • Estimated net recovery for creditor
  • Success probability

Billing FAQs​

Q: When are fees charged? A: Fees are only charged when money is successfully collected from the debtor.

Q: What if only partial payment is collected? A: Fees are calculated on the amount actually collected, not the original debt.

Q: Can I negotiate fee rates? A: Yes, custom rates available for high-volume accounts and long-term contracts.

Q: Are there any hidden fees? A: No. All fees are disclosed upfront and clearly itemized on invoices and payout statements.

Q: What if the debt is uncollectible? A: You pay nothing. Our success-based model means no collection = no fees.

Q: How are legal costs handled? A: Legal costs are attempted to be recovered from the debtor. If not recoverable, they may be deducted from the collected amount or written off depending on the case and contract terms.

Next Steps​