Creating AI for a unique collections experience.

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<span>Creating AI</span> for a unique collections experience.

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Europe’s leading digital collections specialist.

PAIR Finance Group leads the European market in AI-based digital debt collection. We successfully operate in nine countries: Germany, Austria, Switzerland, France, the Netherlands, Belgium, Spain, Sweden and Portugal with offices in Amsterdam, Berlin, Vienna, Zurich and Stockholm.

We improve recovery rates thanks to our market-leading technology and support consumers to achieve individual success. Digital. Efficient. Customer-oriented!

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top developers work on the best tech experience.

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of consumers are reached within 90 days with our AI-based technology.

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customer satisfaction after the collection process.

Tech-based solutions that benefit everyone.

Leading AI Technology

The future of debt collection is based on Artificial Intelligence. PAIR Finance is reinventing receivables management and offering you the most innovative solution for the best possible recovery rate.

Uniform Global Platform

One access, one dashboard, one goal. PAIR Finance's global platform enables convenient and simple receivables management in all our European markets.

Most powerful REST APIs

Our state-of-the-art RESTful APIs are designed for effortless data exchange and scalability. That means less manual effort on your side and a secure data flow.

Real-Time Dashboard

You can always keep an eye on our performance thanks to the cutting edge real-time monitoring portal. We also provide you with forecasts of expected returns.

Intelligent Customer Support

Our generative AI technology categorises consumer inquiries and sends tailored responses faster than ever, increasing processing rates and customer satisfaction.

Our markets.

Germany Austria The Netherlands Switzerland Sweden France Belgium Spain Portugal

PAIR Finance was founded in Berlin. Here, our tech team works on developing and refining our product.

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PAIR Finance has been offering its services in Austria since 2021. The Austrian team works in Vienna's historic old town.

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From the local office in the centre of Amsterdam, our experienced team has been servicing Dutch companies since 2023.

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PAIR Finance's Swiss headquarters are located in Zurich. Since 2023, the Swiss team has been advising clients throughout Switzerland on modern, digital debt collection.

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Our ambitious Swedish team is taking on the world of debt collection technology from Stockholm, working with ambitious customers from all sectors.

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PAIR Finance is also active in France, where it has been changing the debt collection industry for the long term with customised AI and a digital process since 2023.

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In addition to the Netherlands, PAIR Finance also serves the Belgian market in the Benelux region. This makes it even easier for companies that are active in several markets to conduct debt collection efficiently.

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PAIR Finance has been successfully deploying its technology and international expertise for partners and consumers on the Iberian Peninsula since 2024.

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PAIR Finance has been operating in Portugal since 2025, transforming the debt collection industry through innovative AI solutions and digital processes.

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„PAIR Finance represents the future of receivables management: digital, efficient, customer oriented. Both their technology-driven approach and the team's competence convinced us to invest. We are looking forward to expand our so far successful collaboration.“

Kai-Uwe Mokros

MD of Zalando Payments GmbH

"What I particularly appreciate about working with PAIR Finance is that I do not only have a personal and very competent contact person for my questions, but can also find out more about important topics such as data protection and the client portal in the "PAIR Academy". At the first PAIR Academy event, I learned even more first-hand about the automated functions of the client portal, which makes my work much easier. Via the portal, I have real-time insight into all ongoing processes and can actively intervene and communicate at any time."

Janin Schadenberg

Specialist Payment Communication Home24

"PAIR Finance offers the best collection solution we could find on the market. The excellent client dashboard was one reason of our decision for the fintech: the intuitive interface and the effective provision of KPIs convinced us. Getsafe wants to make insurance better without conditions. PAIR Finance supports us with the best of both worlds - a first-class client experience and an efficient KPI tool."

Michael Oberste

CFO Getsafe

"As the market leader and pioneer of free-floating car sharing, receivables management and collection are part of our digital customer journey. With its customer-oriented approach and the highest level of digitalization, PAIR Finance provides us with ideal support. Our customers can settle their open invoices with all relevant payment options. The Free2move team appreciates the professional and efficient collaboration."

René Lange

Head of Treasury Free2move

„It gives me great pleasure to work with PAIR Finance. PAIR understands that the good relation to my customers is the most important part of my business, and I do everything preserve it – without losing tracking of outstanding debt.“

Sabrina Schönborn

Founder and Managing Director of SugarShape

“What my team and I appreciate most about PAIR Finance is the fast communication and solution finding. Both contribute to the fact that the recovery has exceeded our expectations. In addition, PAIR Finance's client portal is very intuitive and allows us to have an accurate overview of all activities at all times."

Matthias Nienhaus

VP Finance at Lillydoo

"Zasta is the leading tax advisor platform in Germany. Implementing receivables management in the tax sector requires individual solutions and commitment. PAIR Finance has been committed to us since the beginning of the cooperation and attaches great importance to our needs. In addition, the integration was also quick and uncomplicated. We are more than satisfied and look forward to everything that is to come.”

Jörg Südkamp

Co-Founder and COO at Zasta

“We are delighted to have PAIR Finance as a strong partner for debt collection in the DACH region. We particularly appreciate the ONE approach, as it enables us to organise receivables management in different markets efficiently via one single interface. PAIR Finance also provides us with a detailed overview of our receivables in the individual countries via a standardised dashboard and a dedicated contact person is available to answer any questions. With PAIR Finance, we are achieving improved results in receivables management for the German-speaking region - with reduced administrative effort at the same time.”

Dr Oliver Kunath

CFO sevDesk