Collect debts,

With CentralPay, debt collection departments and agencies can simplify and automate their debtors' payment processes.

capture d'écran du backoffice utilisateur CentralPay : récapitulatif des encours clients
capture d'écran du backoffice utilisateur CentralPay : courbe de taux de recouvrement
recouvrement de créances : service de comptabilité qui relance leurs clients pour impayés


What difficulties are debt collection professionals facing?

The lack of optimisation of the debtor's payment path complicates the work of debt collection professionals and lengthens payment times:

Out-of-sync channels
which make debt collection processes more complicated (reminders by phone, email, SMS, letter, etc.) and do not provide a clear overview.

Poorly digitised payment methods (SEPA bank transfers or direct debits), which generate accounting processing on receipt of funds, often managed manually.

Complex credit management
which involves manual actions to limit the impact on cash flow and the associated costs (chasing up debtors, collecting debts, reconciling payments, etc.).


Unified and omnichannel debt collection processes

Recover your debts easily, from any channel.

The dispatch system integrates URL or QR Code payment links into the communications, giving customers the choice of payment method.

The debtor accesses the payment link in their protected area and pays their debt online.

During a call, the operator sends the payment link for the debt directly to the debtor by email or text message.

écran de téléphone montrant un sms intégrant un lien de paiement pour une créance à recouvrer

Digitized payment methods

Adapt payment methods to your business, collection path and customers.

picto symbolisant le paiement par virement SCT

Instant SEPA bank transfers

CentralPay generates and presents a different virtual IBAN to each of your customers. This means that when CentralPay receives a bank transfer, it identifies the sender and automatically reconciles the invoice for you, even if the reference number is incorrect.

picto symbolisant l'initiation de paiement

Payment initiation (Pay by Bank)

Send instant transfer requests to your customers, directly into their banking application. You fill in the amount, your IBAN, and your references for them, so they only have to validate the bank transfer.

picto symbolisant le paiement par prélèvement SDD

SEPA Direct Debit

Collect contact details and create mandates in just a few seconds using our online form. Then CentralPay debits your customers according to your subscription models, in installments or individually as your invoices progress.

picto symbolisant le paiement par carte

Credit card

Accept payments by CB, Visa, Mastercard and American Express or via ApplePay and GooglePay. Take advantage of the various CentralPay payment methods: simple transaction, subscription, installments, secure card imprint, pre-authorization.

Our ambition

Fully automated debt collection

We can help you optimise your debt collection.

capture d'écran du backoffice utilisateur CentralPay : récapitulatif des derniers encaissements

Unified debt collection

Unify your credit management by easily controlling all your single payments (cards, transfers and direct debits) or by automating the setting up of installment plans (cards and direct debits).

sms contenant un lien de paiement permettant de finaliser un achat

Customised paths

Automate your debt collection requests using email and SMS reminder scenarios. You define the content and frequency so that you retain control of your customer relations.

capture d'écran du profil client unifié : vue sur un client, ses supports de paiement, ce qu'il a payé et ses dûs

Automated notifications

Track the status of your debt payments in real time in your information system, thanks to automatic updates via API or CSV files. This means you can automatically inform or follow-up with your debtors.


Full connectivity via API or raw data

Automate data exchanges between CentralPay and your various tools and partners. For example, your debts can be imported to automatically issue payment requests to your customers, while CentralPay transmits the payment status in return.

CentralPay manages exchanges by depositing files (CSV, bank formats, etc.) or sends Hook notifications in real time via API, depending on your requirements.

Go further in automating your processes by connecting to CentralPay :


Information System (IS)

Invoice dematerialisation platform

Debt collection solution

Financing solutions (Buy Now Pay Later, credit, etc.)

The CentralPay solution has enabled us to secure and optimise our card, transfer and direct debit payment processes, and to automate the entire collection chain: from our debtor area to the reconciliation of transactions in our IS.

logo de France Contentieux
logo de Konecta
Emmanuelle Debabi
General Manager
France Contentieux – Groupe Konecta

Frequently asked questions

All about debt collection with CentralPay

The solution is available to companies registered in the European Economic Area wishing to optimise their debt collection procedures out of court.

The solution is designed to automate day-to-day management:

  • In-house debt collectors
  • Debt collection agencies or bailiffs

CentralPay is also used by collection software companies looking to expand their services.

The solution enables the payment of debts owed by debtors located in France and abroad.

It simplifies and automates out-of-court debt collection tasks (payment of unpaid invoices) as far as possible, to limit the need to resort to litigation or the courts.

No, CentralPay does not offer debt financing (nor cash advances, nor factoring...).

The CentralPay solution enables debt collection professionals to reduce the need to buy back debts, thanks to automation and reminder services that cut payment times and therefore reduce non-payment.

If you want to buy back your debts, we recommend that you turn to factors or factoring companies.

CentralPay manages data exchange with your ERP and Information Systems, via API or by recurring delivery of CSV files via an SFTP server.


The solution simplifies and automates the payment of debt collection:

  1. Your software sends CentralPay the list of debts due on a daily basis
  2. CentralPay creates a dedicated payment page for each one and returns them to you.
  3. You can integrate these payment URLs into your debtor area, your email/SMS communications, and as QR codes on your paper mail.
  4. CentralPay notifies your ERP in real time as soon as a payment is received, whether by credit card, bank transfer or SEPA direct debit.