Reduce defaults with smarter
debt recovery  management

Automate, segment and control the entire collection cycle. Eliminate manual tasks, reduce DSO and free up working capital while improving your customers' payment experience
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Overview

A holistic approach to your accounts receivable

Accounts receivable (AR) management is not just about chasing payments-it's a complete ecosystem that impacts your cashflow, customer relationships and financial health.

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Financial
  • Up to 5.9% annual revenue loss
  • Average management cost of €15-25 per unpaid invoice
  • Immobilized capital that does not generate returns
Operation
  • 40+ hours per month per team in monitoring
  • Accounting mismatch and reconciliation problems
  • Reactive processes instead of preventive ones
Relatonships
  • Tension in relationships with valued customers
  • Generic and ineffective communications
  • Severance of long-term business ties
Our approach

Preventive, not reactive, strategy

Paymefy addresses defaults before they happen through a proactive approach driven by data and AI.
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ai loop A distribution executive smiling with relief and satisfaction after discovering Paymefy as the solution to streamline collections and eliminate late payments in his business.
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Feedback de clientes
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+37%  conversion
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Early detection

Our algorithm identifies risk factors and behavioral patterns that predict the probability of default with 87% accuracy.

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Timing on point

We apply machine learning to identify the optimal time to communicate for each customer based on their interaction history.

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Personalized communication

Each customer receives the right message through their preferred channel, with language and tone tailored to their profile and situation.

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Payment facilitation

We've incorporated instant payment options into every communication, reducing friction and increasing conversions by 37%.

Problems?

We identify and resolve the main bottlenecks in accounts receivable management
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Time-consuming manual processes

Financial teams spending up to 20 hours a week on manual monitoring, verification and reconciliation tasks that could be automated.e.

Solution: Automation of 80% of repetitive tasks and routine communications.

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Lack of customer visibility

Without segmentation or behavioural analysis, all accounts are treated equally regardless of their history or risk.

Solution: Intelligent segmentation and personalised strategies according to payment profile.

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Errors in payment reconciliation

Manual reconciliation prone to errors, with mismatches between payments received and invoices leading to accounting and customer problems.

Solution: Automatic reconciliation with intelligent matching of payments and invoices.

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Ineffective communication with clients

Generic communications sent through limited channels, with low open and response rates, and not adapted to customer behaviour.

Solution: Personalised multi-channel communication based on preferences and behaviour.

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Frustrating payment experience

Limited payment options, complex processes and lack of self-service make it difficult for customers to complete payments, even when they intend to do so.

Solution: Intuitive payment gateway with multiple payment methods available and seamless digital experience.

Solution

The comprehensive platform for AR

A modular platform that optimises every aspect of the receivables cycle

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reduction in default rate
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better response to reminders
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Increase in clicks to payment
Paymefy approach
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Analysis and diagnosis

We assess your current processes, identify opportunities for improvement and define clear KPIs.

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Customised configuration

We adapt the platform to your needs, integrate with your systems and configure workflows.

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Deployment and adoption

Rapid implementation (2-4 weeks), training and ongoing support to maximise value.

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Continuous optimisation

Analysis of results, strategic adjustments and constant evolution for continuous improvement.

Full cycle transformation

In periods of uncertainty, optimising cash flow is crucial for business resilience.

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From reactive to proactive and predictive

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From manual to automated and intelligent

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From generic to customised and segmented

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From basic monitoring to advanced analysis

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From multi-tool to unified platform

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Integration with AI

Benefits

Transformative results

Significant and measurable improvements throughout the accounts receivable cycle
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Reduces DSO by up to 40%

Shorten collection cycles and improve cash flow predictability with personalised communications and flexible payment options.

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Improve customer experience

It offers a seamless, transparent and personalised digital experience that improves customer satisfaction and loyalty.

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Frees up working capital

It converts receivables into available cash more quickly, reducing dependence on external financing.

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Saves time and resources

Automate up to 80% of manual tasks, freeing your team for higher-value strategic activities.

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Get predictive visibility

Anticipate payment trends and customer behaviour with artificial intelligence-based analytics.

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Measure and continuously improve

Access real-time dashboards and detailed reports to constantly optimise your collection strategy.

Casos de éxito

Effective strategies in different sectors

How our smart campaigns adapt to different industries and needs

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telecom expert thinking how Paymefy can help solving debt collection
Operator with 250,000 recurring billing customers

Automated multi-channel communication

Challenge:

8.7% default rate and more than 700 hours per month dedicated to debt collection management.

Implemented solution:

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Intelligent audience targeting

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Customisable communication flows

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Email, SMS, WhatsApp and more channels available

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Improvement in cashflow

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Management time

School group with 15 centers and 12,000 students

Educational Sector

Challenge:

9.3% late payment rates for tuition and monthly payments, with severe seasonal impact.

Implemented solution:

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Segmentation by seniority and academic/financial history

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Advance reminders with payment split options

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Seasonal campaign intensified in critical periods

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Reduction in defaults

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Adoption of plans

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ROI of the solution

Real results for our clients

Our clients achieve an average ROI of 3.4x after implementing Paymefy in their collection operations.
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lower DSO
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collection rate
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FAQ

How does Paymefy help reduce the default rate?
What types of messages can be personalized?
When is a campaign launched to prevent a default?
Does this approach negatively affect the customer relationship?
What results can I expect?
What sets Paymefy apart from other collection systems?

Optimize your collection & recovery cycle today

Join more than 500 companies that have already improved their collections & recoveries management with Paymefy. Request a personalized demo and discover how we can help.

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