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Revenue: Attribution Rules

Understand how revenue is attributed to your referral partnership and the rules that govern commission calculations.

Overview​

As a referral partner, you earn a percentage of Debitura's revenue from cases created through your platform. This guide explains how attribution works, when it applies, and how revenue is calculated.

Revenue Share Model​

Commission Structure​

Referral partners earn a percentage of Debitura's revenue:

  • Default Rate: 20% of Debitura's revenue
  • Custom Rates: Negotiable based on volume and partnership terms
  • Applied To: Successfully collected amounts only

Example:

Case Amount: €10,000
Debitura Fee: 25% (€2,500)
Your Commission: 20% of €2,500 = €500

What's Included​

Commission is earned on:

  • Collection fees from successfully collected cases
  • Late payment interest collected
  • Additional service fees (if applicable)

What's Excluded​

No commission on:

  • Uncollected cases
  • Failed collection attempts
  • Administrative fees charged to debtors
  • Third-party costs (court fees, bailiff costs)

Attribution Rules​

Primary Attribution​

A case is attributed to your partnership when:

  1. Created via Bearer Token - Case created using client's bearer token issued through your platform
  2. Client Linked - Client was linked to your platform at time of case creation
  3. No Override - No manual attribution override by Debitura admin

Attribution Timeline​

Client Linking → Case Creation → Collection → Payment → Commission
     Day 0          Day 1         Day 30      Day 45     Day 60

Key Points:

  • Attribution determined at case creation
  • Remains attributed even if client relationship changes later
  • Locked once collection process begins

Attribution Scenarios​

Scenario 1: Standard Attribution​

Case created via your platform's bearer token

{
  "case_id": "case_abc123",
  "created_via": "bearer_token",
  "attribution": {
    "partner_id": "ref_partner_123",
    "partner_name": "Your Platform AB",
    "commission_rate": 0.20,
    "locked": true
  }
}

Result: ✅ You earn commission

Scenario 2: Direct Case Creation​

Client creates case directly in Debitura (not via your platform)

{
  "case_id": "case_xyz789",
  "created_via": "direct_api",
  "attribution": {
    "partner_id": null,
    "partner_name": null,
    "commission_rate": 0
  }
}

Result: ❌ No commission (client accessed Debitura directly)

Scenario 3: Pre-Existing Relationship​

Case created before client was linked to your platform

{
  "case_id": "case_old123",
  "created_at": "2024-01-01T10:00:00Z",
  "client_linked_at": "2024-01-15T10:00:00Z",
  "attribution": {
    "partner_id": null,
    "reason": "created_before_linking"
  }
}

Result: ❌ No commission (case pre-dates relationship)

Attribution Verification​

Check Case Attribution​

Verify attribution for a specific case:

GET /v1/cases/{case_id}/attribution

Response:

{
  "case_id": "case_abc123",
  "attributed_to": {
    "type": "referral_partner",
    "partner_id": "ref_partner_123",
    "partner_name": "Your Platform AB"
  },
  "commission": {
    "rate": 0.20,
    "estimated_amount": {
      "value": 500,
      "currency": "EUR"
    }
  },
  "locked": true,
  "locked_at": "2024-01-15T10:05:00Z"
}

List Your Attributed Cases​

Retrieve all cases attributed to your partnership:

GET /v1/referral-partners/cases?attributed=true

Query Parameters:

ParameterDescription
statusFilter by case status
created_afterCases created after date
created_beforeCases created before date
limitResults per page

Response:

{
  "cases": [
    {
      "case_id": "case_abc123",
      "client_id": "cli_xyz789",
      "amount": { "value": 10000, "currency": "EUR" },
      "status": "in_collection",
      "created_at": "2024-01-15T10:00:00Z",
      "estimated_commission": { "value": 500, "currency": "EUR" }
    }
  ],
  "pagination": {
    "total": 142,
    "limit": 50,
    "offset": 0
  }
}

Commission Calculation​

Revenue Flow​

Debtor Pays → Debitura Collects → Fees Calculated → Commission Calculated → Payment to You

Calculation Example​

Case Details:

  • Invoice amount: €10,000
  • Debitura fee: 25%
  • Your commission rate: 20%

Calculation:

  1. Amount collected: €10,000
  2. Debitura's fee: €10,000 × 25% = €2,500
  3. Your commission: €2,500 × 20% = €500

Partial Payments​

Commission is calculated on actual collected amounts:

Example:

  • Invoice amount: €10,000
  • Partial payment collected: €6,000
  • Debitura fee (25%): €1,500
  • Your commission (20% of €1,500): €300

If additional amount collected later, additional commission earned.

Multiple Payment Scenario​

Case: €10,000 invoice

Payment 1: €4,000 collected

  • Debitura fee: €1,000
  • Your commission: €200

Payment 2: €6,000 collected

  • Debitura fee: €1,500
  • Your commission: €300

Total commission: €500

Commission Tiers​

Volume-Based Tiers​

Higher volumes may earn better rates:

Monthly Case VolumeCommission Rate
0-50 cases20%
51-200 cases22%
201-500 cases25%
500+ casesCustom negotiation

Note: Tiers are examples. Actual rates defined in partnership agreement.

Tier Calculation​

Tiers calculated based on:

  • Rolling 30-day case creation volume
  • Updated monthly
  • Applied to new cases prospectively

Special Cases​

Refunds and Chargebacks​

If payment is refunded:

  • Commission is reversed
  • Adjustment appears in next invoice
  • Negative balance carries forward

Example:

{
  "adjustment": {
    "type": "commission_reversal",
    "case_id": "case_abc123",
    "reason": "payment_refunded",
    "amount": { "value": -500, "currency": "EUR" }
  }
}

Case Transfers​

If case transferred to collection partner:

  • You retain attribution
  • Commission calculated on initial collection only
  • Collection partner fees are separate

Unsuccessful Collections​

No commission earned on:

  • Cases closed without payment
  • Bankruptcies with no recovery
  • Abandoned collection attempts

Attribution Disputes​

Dispute Resolution​

If you believe attribution is incorrect:

  1. Gather Evidence

    • Case ID and creation timestamp
    • Bearer token used
    • Client linking timestamp

  2. Submit Dispute

POST /v1/referral-partners/attribution-disputes

Request:

{
  "case_id": "case_abc123",
  "reason": "case_created_via_bearer_token",
  "evidence": {
    "bearer_token_prefix": "tok_live_xyz",
    "client_id": "cli_abc123",
    "request_timestamp": "2024-01-15T10:00:00Z"
  }
}
  1. Review Process
    • Debitura reviews within 5 business days
    • Decision is final
    • Attribution updated if approved

Common Dispute Reasons​

  • Case shows no attribution but was created via bearer token
  • Attribution to wrong partner
  • Commission rate incorrect
  • Calculation error

Monitoring Attribution​

Dashboard Metrics​

Track attribution performance:

GET /v1/referral-partners/analytics/attribution

Response:

{
  "period": "2024-01",
  "metrics": {
    "total_cases": 142,
    "attributed_cases": 138,
    "attribution_rate": 0.972,
    "total_commission": { "value": 45600, "currency": "EUR" },
    "average_commission_per_case": { "value": 330, "currency": "EUR" }
  }
}

Attribution Alerts​

Set up alerts for attribution issues:

{
  "alerts": {
    "low_attribution_rate": {
      "enabled": true,
      "threshold": 0.95,
      "notification_email": "partnerships@yourplatform.com"
    },
    "missing_attribution": {
      "enabled": true,
      "check_frequency": "daily"
    }
  }
}

Best Practices​

Ensure Proper Attribution​

  1. Always use bearer tokens when creating cases
  2. Link clients before they create their first case
  3. Monitor attribution rate regularly
  4. Investigate anomalies promptly

Optimize Commission​

  1. Increase case volume through better UX
  2. Improve collection rates with quality cases
  3. Educate clients on successful debt collection
  4. Track performance and identify patterns

Maintain Transparency​

  1. Show commission estimates to your team
  2. Track attributed vs. non-attributed cases
  3. Document client linking processes
  4. Regular reconciliation with invoices

API Reference​

Key Endpoints​

Check attribution:

GET /v1/cases/{case_id}/attribution

List attributed cases:

GET /v1/referral-partners/cases?attributed=true

Attribution analytics:

GET /v1/referral-partners/analytics/attribution

Submit dispute:

POST /v1/referral-partners/attribution-disputes

Next Steps​