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Komfortkasse offers integrated, free Debt collection services.


General Information

Komfortkasse can automatically forward unpaid invoices to a Collection Agency. All necessary information—such as the debtor’s name and address, items, Invoice date, amount, etc.—is automatically transferred. No manual intervention is necessary. The current status and progress of the debt collection case can be viewed directly in the Komfortkasse merchant area in the detail view of the order in the "Collection details" dialog . Additional details can be viewed via the Debt collection partner’s web interface.


Availability

The integrated, free Debt collection service is available to all Komfortkasse merchants. (For merchants based outside the EU, activation is available upon request.)

Debt collection cases can be submitted for debtors in the following countries:

  • Germany
  • Austria
  • switzerland
  • Liechtenstein

Upon request,Komfortkasse Support can enable additional countries (minimum of 50 cases per month per country):

  • Netherlands
  • Belgium
  • France *
  • Poland
  • Bulgaria
  • Luxembourg
  • United Kingdom *
  • Ireland *
  • Italy *
  • Czech Republic *
  • Slovakia *
  • Romania *
  • Hungary *
  • Denmark *
  • Norway *
  • Sweden *
  • Finland *
  • Estonia *
  • Latvia *
  • Lithuania *
  • Spain *
  • Portugal *

* Commission on sales possible


Activation

You can enable Debt collection directly in the Komfortkasse merchant area under the menu item Settings - Debt collection.


Debt collection Partners

Our partner Collection Agencies:

  • PAIR Finance
  • eCollect

The debt collection partners specialize in handling e-commerce cases and, in addition to traditional debt collection measures, also use channels such as WhatsApp or social media to contact the debtor.

During the initial setup, the appropriate Debt collection partner is selected and activated. (If multiple Debt collection partners are active, Komfortkasse automatically determines which partner to assign a case to when it is transferred (e.g., based on the debtor’s country of residence).)

Upon request, an interface to an existing Collection Agency (e.g., Creditreform) can also be set up. Depending on the effort involved, there may be a charge for this setup.


Costs

Debt collection is normally free of charge for the merchant*. All debt collection fees are borne by the debtor in accordance with local legal provisions.

*Exceptions:

  1. A fee applies for debtors outside the countries listed above. (This feature must be explicitly enabled beforehand.)
  2. Costs may arise if the merchant terminates the debt collection process early or cancels it. In such cases, the Debt collection partner will notify the merchant in advance.
  3. If previously uncollectible amounts are subsequently recovered as part of the monitoring process or post-judgment collection, the Debt collection partner receives a success fee.

Details can be found in the terms and conditions of the respective debt collection partner.

Late Payment Interest

Late payment interest is calculated directly by the Debt collection partner and retained by them.

Reminder fees

If pre-collection letters were sent by Komfortkasse, the charged reminder fees are retained by Komfortkasse. Reminder fees are intended to cover the costs of the reminder process. Since the reminder process was processed by Komfortkasse in this case, the reminder fees are accordingly retained by Komfortkasse. This allows us to offer the Debt collection service free of charge otherwise.

Billing takes place retroactively. You will receive the full amount from the Collection Agency; the Reminder fees included in that amount will be billed on your next Komfortkasse invoice as “Reminder fees (Debt collection).”


Transfer of Debt Collection Cases

The transfer of Debt collection cases can be fully automated or done manually.

Fully Automated Transfer

For a fully automated transfer, the settings for invoice payments A period in days must be specified, after which an overdue order is automatically handed over to the debt collection agency. Once the period has elapsed, a case is automatically created with the debt collection partner. The merchant receives a notification about this.

(When the fully automated transfer is initiated for the first time, existing overdue orders from the past three months are also automatically transferred.)

Manual Transfer

In the Orders list , you can filter for overdue orders with the “Invoice” payment type. You can then view the orders in the detail view manual transfer to the Debt collection partner,

Current Status

The current status of the debt collection case as well as the debt collection partner’s latest actions (contact attempts, etc.) can be viewed directly in the Komfortkasse merchant area in the Detail View of Order in the "Collection details" dialog . A link allows you to access the Debt collection partner’s web portal, where additional details are available.

Reporting of Direct Payments

If a payment for a debt collection-processed order is received directly by the merchant (or, in the case of Komfortkasse, into an integrated account), the payment is automatically reported to the debt collection partner. (If any debt collection fees remain outstanding, the debt collection partner may continue to pursue them.)

Partial Payments or Payments Without Reminder Fees or Late Payment Interest

If a debtor makes a partial payment (or, for example, pays the full amount but without reminder fees, interest on arrears, or debt collection fees), the debt collection partner will continue to pursue the remaining balance from the debtor. In most cases, the agreement between the merchant and the debt collection partner stipulates that, for small outstanding amounts, the debt collection partner may decide on its own to discontinue debt collection efforts. In such a case, the debt collection partner would withhold the fees to which it is entitled until the debtor has settled those as well.


Restrictions

A case can only be transferred if the principal debt (or a portion thereof) remains outstanding. Cases in which the principal debt has already been paid but ancillary costs (e.g., Reminder fees) remain outstanding cannot be transferred.