Who does what
What Debitura handles and what you handle, for each integration. The main difference: with the Starter Integration you open one link and Debitura handles setup and correction; with the Full Integration your platform handles each response itself.
Which emails Debitura sends
Both integrations: a welcome email with a set-password link after the client signs the SDCA (if a welcome template is configured), and up to three contract-signing reminders while production cases wait for a signature. See Branding and hosted pages for timing and templates.
Starter only: one approval invitation to the submitting user when an existing Debitura client must approve the connection.
Case-start notifications, both integrations: Debitura emails the client with the collector's identity and each case's recorded fee when collection starts, subject to Case preferences and suppression. See content and timing.
Your platform still presents current onboarding, signing, KYC and correction links.
Client communication
| Responsibility | Starter | Full |
|---|---|---|
| Get the onboarding link to the client | You: open solutionUrl | You: deliver onboardingLinks.url |
| Get the approval link to an existing client | Debitura emails it; you can also open solutionUrl | You: deliver the 409 approval URL |
| Get signing, KYC and fix links to the client | You: open solutionUrl | You: deliver solutionUrl from 422 responses |
| Case-start confirmation and grouped updates | Debitura: existing case-start path; each case keeps its collector/fee | Debitura: same path, preferences and suppression |
| Welcome email and signing reminders | Debitura (your templates, from a Debitura address) | Debitura (your templates, from a Debitura address) |
Client onboarding
| Responsibility | Starter | Full |
|---|---|---|
| Create or find the client | Debitura, from your collection request | You: POST /clients |
| Host the onboarding and signing pages | Debitura | Debitura |
Choose and store externalTenantId | You | You |
| Handle the response | You: act on the request status | You: every POST /clients code (201, 202, the 409 variants) |
| Re-present the link if the client abandons | You: read the request, open the current solutionUrl | You: re-present the onboarding URL |
| Apply your logo and primary colour | Debitura | Debitura |
| Expire approval requests (default 7 days, max 30, set per partner) | Debitura | Debitura |
| React to an expired approval | You: the request shows expired; a new request asks again | You: on client.link_expired, call POST /clients again |
Cases and collection
| Responsibility | Starter | Full |
|---|---|---|
| Create the case | Debitura, when nothing is left for the client to do | You: mint a bearer token, POST /cases |
| Correct invoice data | The client, in a Debitura draft (needs_fixing) | You: validate before submitting, handle errors |
| Enforce agreements and KYC | Debitura: the request waits (awaiting_signature, awaiting_kyc) | Debitura: 422 with solutionUrl |
| Continue after the client signs or verifies | Debitura continues eligible requests; you GET all selected IDs after return and show any remaining action | You: retry the case submission |
Choose allowPendingContracts | Not applicable | You |
| Route cases to collection partners by jurisdiction | Debitura | Debitura |
| Recover the debt (contact debtors, legal escalation, payments) | Collection partner (not Debitura) | Collection partner (not Debitura) |
| Show case status to your users | You: per-invoice request results, current GET and case webhooks; submitted is not active collection | You: webhooks or polling |
Revenue and invoicing
The same for both integrations.
| Responsibility | Owner |
|---|---|
| Calculate referral fees at each pipeline stage | Debitura |
| Lock the USD amount when the collection partner pays platform commission | Debitura |
Call GET /reporting/transactions to retrieve fee data (optional; the Partner Dashboard shows the same) | You |
| Send a monthly invoice to Debitura for "Ready to Invoice" fees | You |
| Pay after receiving the partner's invoice (net 20 business days) | Debitura |
| Reconcile invoice amounts against API data | You |
Business context: see the Referral program overview for commercial terms and fee structure.
Webhooks
The same for both integrations.
| Responsibility | Owner |
|---|---|
| Fire events on state changes | Debitura |
| Retry failed deliveries with exponential backoff (8 attempts: 1 initial + 7 retries) | Debitura |
Disable a subscription after 8 failed attempts, or at once on 410 Gone | Debitura |
| Register and maintain subscriptions | You |
| Save the signing secret at creation (shown only once) | You |
| Verify the HMAC signature on every event | You |
| Respond within 10 seconds, process asynchronously | You |
Deduplicate using event.id | You |
| Monitor and re-enable disabled subscriptions | You |
Common assumptions that are wrong
| Assumption | Reality |
|---|---|
| Debitura emails the onboarding link to your client | No, on both integrations. You open or deliver it. |
| Debitura emails the approval link | Starter: yes, one invitation. Full: no, you deliver the 409 approval URL. |
| Debitura's emails replace your signing and KYC handling | No. Reminders go out only while production cases wait for a signature, and nothing is sent for KYC, for an invoice that needs fixing or for a 422. |
| One shared setup form completes every selected invoice | No. Refresh all request IDs; agreements, KYC, explicit draft submission or rejection can remain per invoice. |
A submitted Starter request means collection has started | No. The case can still be in verification or another early stage. |
| Debitura pays referral fees automatically | No. You invoice Debitura monthly. |
allowPendingContracts bypasses KYC | No. KYC is always a hard 422 block on the Full Integration. |
| Bearer tokens can be refreshed | No. Mint a new one on expiry (30-minute lifetime). |
| Webhook delivery is exactly once or guaranteed for every next-action change | No. Delivery can repeat or publication can be missed. Deduplicate by event.id and recover with current GET. |
| Once the SDCA is signed, no more signing is needed | No. New jurisdictions, zones and renewals can require new signatures. |
| You can choose which collection partner handles a case | No. Debitura routes by jurisdiction. |
| A referral rate change reprices all cases for an existing client | No. Each case records its plan and base referral rate at creation; later payments keep that case's rules. New cases use the then-applicable rate. The Integration payout allowance and agreed exceptions apply separately; see Case referral rates. |
| Debitura performs the debt collection | No. Collection partners (agencies and law firms) do the recovery work. |