Respaid

for more details on Respaid's 100% success-based debt collection.

You can also simulate the collection or recovery of an invoice by following the instructions on 

If you have any questions, we are here to assist you.

How does the 100% success-based debt collection work?

Respaid is the European leader in small debt recovery or collection. We act on behalf of companies that authorize us to recover money from their customers (B2B or B2C).

The procedures are carried out by lawyers partnered with Respaid. We have a complete understanding of the processes to handle debt recovery or collection cases in accordance with the debtor's situation, the amount and nature of the debt, and the age of the debt.

Our mission is to resolve outstanding payments by recovering up to 50% of entrusted cases within 20 working days.

If you have received a notification, we invite you to contact the lawyerf's office in charge of your case via the dedicated line with your customer reference number.

How does Respaid optimize debt recovery?

No, your team can monitor the status of ongoing collections or recoveries in real-time.

Respaid can also integrate with your current software and tools. To start and submit your cases, it's as easy as downloading a pre-filled Excel file.

Does my team need any special training to become familiar with your system?

We only store your data for a period of two months, during the amicable collection or recovery process.

In accordance with our GDPR and Terms and Conditions of Use, we do not retain any data and do not transfer personal information.

With Respaid, the security of your confidential data is assured knowing that we started our activities with renowned law firms, straddling the processing of this kind of data for legal and ethical reasons.

How does Respaid protect my confidential data?

Depending on the age of the invoice, the nature of the debt, customer satisfaction rate, as well as the proper handling of cases and the internal customer team's knowledge about the initiation of debt collection by a lawyer, Respaid successfully recovers 53.4% of the submitted invoices within 20 days (statistic calculated based on the last 100 clients who have submitted mass collection cases to Respaid).

This result is further increased when the lawyer contacts the debtor during the second phase of amicable collection.

Amicable recovery is an option that is effective in 90% of cases by professionals in the sector, in France. Opting for a recovery professional is therefore a prudent management decision; Respaid also ensures to maintain the commercial relationship as part of these actions.

What results can be expected from the Respaid Collection tool?

The capabilities for handling debt collection or recovery cases are limitless, all while maintaining an authorized point of contact in the capacity of a lawyer or a collection agent under the supervision of a lawyer.

The implemented procedures guarantee both the creditor and the debtor a transmission of information and support of all cases in recovery, while maintaining an optimal customer relationship.

What is Respaid's capacity in terms of case management?

In an amicable collection or recovery process, the collection fees (Respaid fees) are borne by the creditor.

In a judicial collection or recovery process, which occurs when the debt is subject to a court judgment or decision that orders the debtor to repay, the lawyer's fees remain the responsibility of the creditor. However, the lawyer's actions (procedural expenses) are added to the main debt. All of this is the responsibility of the debtor. Therefore, it is more cost-effective for a debtor to settle their debt before it becomes subject to legal action.

Who pays the Respaid fees?

The Respaid model does not include lawyer fees or collection or recovery fees charged to the debtor:

, legislation does not require that collection or recovery fees be borne by the debtor. This means that a debtor is not obligated to pay these fees.

However, this option of transferring the lawyer's fees to the debtor's responsibility is possible in the litigation phase.

-Respaid has implemented this operational model to obtain crucial data for optimizing the rate of recovered debts. It has been observed that certain debtors are capable and willing to pay these fees.

However, it remains true that this configuration leads to disputes, which slows down the collection or recovery process. The consequence is an additional friction with the risk that the debtor may not settle the debt.

Is it possible to add the collection or the recovery fees to the debtor's charge?

The success of the amicable recovery processes undertaken by Respaid and its partners lies in the quality of the white-label collection notices.

Respaid relies on a network of partnered lawyers established in United-States and under agreement for an optimized fee structure, enabling success-based pricing without volume requirements and commitment-free.

The transfer of a receivables table is a simple process, and the case processing takes 3 working days.

The creditor is assigned an account manager to whom they can communicate information regarding updates on recoveries (such as adjusting a debt or requesting a repayment plan).

Notifications are sent by lawyers, automated, targeting multiple channels (registered mail with acknowledgment of receipt, emails, SMS, voice messages, etc.).

For each case, a dedicated line to the lawyers's office is made available to the debtor.

In the case of a payment installment request, our services are capable of handling installment collections to be remitted to the creditor.

How did Respaid gain the trust of its customers ?

Respaid also offers a billing tool that allows:

-sending one-time invoices to be paid via credit card, instant bank transfer, Google Pay, Apple Pay.

-to set up monthly/recurring subscriptions with your customers using automatic direct debit.

-setting up a customized payment link. This option enables your customers to make payments directly through your link without any friction.

The pricing of this tool aligns with Respaid's DNA: 100% success-based.

There are no startup fees, monthly fees, or fees related to card storage. There are also no fees in case of payment failures.

Is Respaid limited to only recoveries or collections?

For guaranteed results, we have set up a dedicated notification schedule for debtors in the context of amicable recourse.

✅A strategy that delivers real collection efficiency (up to over 50% success rate, depending on the debt).

How is the schedule of reminders for debtors organized within an amicable debt recovery procedure?

At Respaid, we have developed technologies that enable us to be 6 times faster than an agency and recover 3 times more outstanding payments. Some of our customers are already using our tools for their own collection or recovery teams.

More times than not, a debtor commits to settling their debt at a later date. This introduces complexity in managing the case and a predictability issue. Indeed, the debtor might ask for an additional extension at the agreed-upon deadline.

To solve this problem, we've created Pay Later. The debtor agrees to settle you within two weeks? Register your card with Pay Later and schedule the payment on time. The credit card will be immediately debited with an amount of zero usd for validation purposes. On D-Day, it is debited with the expected amount. The success rate is about 90%.

Installments payments are a powerful tool for a collection or a recovery team. Typically, the debtor commits to making payments at regular intervals and provides their ACH details. This leads to two issues :

The law allows for reversing a ACH transfer up to 6 months after the payment. This is a significant source of fraud.

In case of a failed direct debit, the bank charges substantial amounts to the company.

That's why we have developed our own installment payment tool, using credit card. This way, the collection or the recovery teams no longer face the constraints associated with ACH direct debits.

Access to these innovations is primarily reserved for the collection or financial teams of our Respaid customers. However, we regularly open invitations to third-party companies.

The Respaid Lab

Success-based pricing (from 10.9% + fixed lawyer fees)

The advantages of Respaid's standard plan, which offers transparent pricing, daily funds disbursement, credit card payments and priority support :

Respaid's standard plan stands out for its transparent approach to pricing. There are no monthly fees or set-up costs to pay, making it a cost-effective solution for SMEs and freelancers. What's more, there are no hidden charges, ensuring total transparency in the costs associated with overdue collections.

Success-based pricing with fixed lawyer fees :

 Respaid offers success-based pricing, which means you only pay when you actually recover unpaid debts. Collection fees start from 10.9% and are supplemented by fixed lawyer fees. This flexible approach enables SMEs and independents to keep their costs under control while benefiting from an effective overdue collection solution.

 You benefit from daily payment of collected funds. This means you don't have to wait long to receive payments from your debtors. The daily availability of funds helps to improve your cash flow, enabling you to quickly reinvest these resources in your business.

 Respaid's standard plan allows collection files to be transmitted via an Excel file. This simple feature facilitates the management of your files and ensures that all the necessary information is transmitted in a clear and structured manner.

Additional options for optimum management :

 Respaid also offers additional options to meet your specific needs. You have the choice to opt for a payment installment, making it easier to recover outstanding debts while maintaining a business relationship with your debtors. Moreover, Respaid offers weekly interim accounting status, allowing you to closely monitor the performance of your debt recovery efforts.

 The complete option to optimize debt recovery

The subscription price depends on the annual volume .

The features of Respaid Plus include among others sliding scale pricing, a single annual payment, extended functionalities such as email correction, credit card fraud prevention, priority support, and much more :

Decreasing prices based on annual volume : 

Respaid Plus offers sliding scale pricing, which means that the higher the volume of unpaid invoices you process, the more advantageous the prices become. This approach enables companies to make significant savings on their collection costs, while still benefiting from a high-performance solution.

Single annual payment with all the best options included:

 You have the option to choose a single annual payment. This formula gives you access to all the best recovery options offered by Respaid. You no longer need to worry about additional fees or missing features, as everything is included in this comprehensive subscription.

 Respaid Plus offers the ability to automatically correct incorrect or invalid email addresses in the debt recovery process. This ensures that your email communications effectively reach the debtors and enhances your chances of successfully recovering payments.

 The Respaid Plus option also includes covering case fees and installment fees. You can manage these aspects of collection without additional hassle, simplifying your recovery process and allowing you to focus on other aspects of your business.

 The solution offers credit card fraud prevention measures, guaranteeing the security of your financial transactions.

SMS/Voice Notifications and Priority Support :

 Respaid Plus provides the option to send SMS/Voice notifications to debtors to enhance communications and maximize debt recovery chances. Additionally, you get comprehensive priority support, available via phone, email, or Slack, to address your inquiries or concerns promptly.

 You have access to advanced analytics tools to assess the performance of your debt recovery efforts. You can track key indicators and generate detailed reports.

More information about our prices: click 

How is billing generated: Standard Plan X Respaid Plus?

When it comes to Value Added Tax (VAT), Respaid is subject to a rate of 20%. This means that all invoices issued by Respaid will include this tax in accordance with the current regulations.

Therefore, it is important to take this rate into account when evaluating the costs associated with the debt recovery process.

The amicable collection offered by Respaid is based on a percentage of the amount recovered, which varies depending on the age of the debt. This incentive-based pricing model ensures that Respaid makes every effort to recover the outstanding amounts as quickly as possible. In addition to these collection fees, fixed lawyer fees are added to cover administrative expenses and potential legal actions.

Respaid also offers a payment installment option through its partner lawyer's office. If you choose this option, please note that an additional 10% of the amount recovered will be invoiced.

📌Transparency and communication options

During the implementation of the receivables table, we offer options such as SMS notifications, voice messages, and filtering of incorrect emails. These features are provided at no extra cost, and they aim to facilitate communication and keep the clients informed throughout the debt recovery process.

​At Respaid, transparency is a fundamental value. We are committed to providing all necessary information regarding VAT rates, collection fees and available options, prior to debt collection. No hidden fees will be applied, and all information will be clearly communicated to the client, to guarantee a relationship of trust and maximum satisfaction.

What VAT rate applies to my case ?

When it comes to payment installments with your debtor, it's important to understand the notification process.

You only receive the collection or the recovery notification during the payment installment at the time of credit card activation

. As a result, you do not receive monthly email informing you of the payment deadline.

After three unsuccessful direct debit attempts by the debtor, if the monthly due date fails, a dispute will be triggered. In this case :

You will be immediately informed of the situation.

We will take the initiative to contact the debtor, providing a new payment link to reactivate the installment. These actions are carried out manually by us, ensuring that all procedures are automatically updated.

To keep a close eye on the progress of your transactions, especially the transfer dates, you can consult your 

, where the monthly payment transaction will be clearly displayed.

This will allow you to keep a watchful eye on the status of payments.

Will I be notified every time my debtor chooses to proceed with a payment installment?

Respaid operates by transmitting cases through the interface, validated by an online electronic mandate.

When submitting a case, you're asked to accept the terms of operation and the 

 (e.g., Data storage, billing policy, confidentiality commitment, GDPR compliance...).

How is an amicable collection or recovery contracted with Respaid?

English

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