Digital debt collection & additional services.

As well as our core business of digital debt collection, PAIR Finance also offers additional services for your company. Our aim is to utilise the benefits for technology for your company along the whole value creation chain.

Collection process.

PAIR Finance carries out the entire debt collection process for you. The technology is not only used in the out-of-court collection process, but also supports further levels of escalation, from the enforcement order to long-term monitoring.

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Extrajudicial collection procedures
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Court collection procedures
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Post-judicial collection procedures
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Monitoring
PAIR Finance is a licensed debt collection company in accordance with section 10 para. 1 RDG (Legal Services Act) and registered with the Court of Appeal in Berlin.
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Extrajudicial collection procedures
Multi-dimensional.

The algorithm selects the ideal means of contact from those available. The options include e-mail, text messages and messenger services, or even by post or in person. Digital communications reach your customers significantly more quickly than analogue ones.

Multi-dimensional.
Individual.

As well as the most suitable channel, the system also determines the best time to make contact and the optimum frequency in order to raise your customer’s awareness.

Personal.

Personal contact, ranging from super helpful to forceful, and the individual wording of the text helps your customers understand the situation better and deal with their outstanding debt on an emotional level.

  1. social comparison
  2. social norms
  3. regret aversion
  4. saliency
  5. moral incentives
  6. framing
  7. reciprocity
  8. loss aversion
Uncomplicated.

An efficient payment process with no changes in media format allows your customer to find a solution and make a payment quickly and simply.

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Reaction-based.

As well as the means of contact, the algorithm also adjusts the payment options to your customer’s financial situation. For example, he can produce an individual, fully automated instalment payment plan, and conclude it on a legally binding basis.

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Further process.

If no solution is found in the out-of-court collection process, PAIR Finance will instigate legal collection proceedings. The data collected previously helps make efficient decisions in the follow-up process and take suitable measures.

Court collection procedures
Court collection procedures

A data-based, automated decision ensures a smooth process when it comes to the application and issue of the court default summons and enforcement order.

Post-judicial collection procedures
Post-judicial collection procedures

A data-based process is used to select the most effective measure for post-court execution proceedings. This reduces your costs to the necessary minimum while maximising prospects of success.

Monitoring
Monitoring

We can still pursue your claim from your customer even years after the enforcement order is granted. PAIR Finance uses various sources to continuously obtain new findings about your customers and continue the process efficiently and effectively.

Connected services.

Our services in risk and receivables management complement the range of PAIR Finance services for your company.

Portfolio Purchase.
Credit Scoring.
Collection System.
Customer Retention.
Back-up Servicing.
Debt Collection
We provide companies, banks and alternative finance companies with scalable, transparent back-up services for debt portfolios. This allows you to improve your risk structure in the portfolio and secure yourself a highly-automated, efficient backup process.