How can we help?

Case number
Where can I find my case number?

PAIR Finance will send you the reference number of your case in every message. You will find this at the top right of the e-mail or on the letterhead of the cover letter. It is a 12-digit number beginning with a "1" or a "4".

It is very important to state your case number so that your case can always be clearly assigned. Please also remember to always include the correct case reference number when making a manual transfer to us.

Payment & Fees
How can I pay?

PAIR Finance offers you the opportunity to settle your outstanding invoice quickly and securely using various payment options. We offer the following payment methods:

Bancontact card
Payconiq by Bancontact
Credit card
Klarna (Sofort)
Manual bank transfer
Payment pause
Installment Plan

You will find the link to your personalised payment page in e-mails, text messages and WhatsApp messages that you receive from us.

Alternatively, you can also access your payment page by entering your case number at

I have already paid, but was still contacted again by PAIR Finance.

After you have made a payment, it may take a few days for the payment to reach our account, depending on the payment method. If you still receive messages from us a few days after making a payment, it is best to call us or write us a message with your file number.

E-Mail: (French speaking) (Dutch speaking)

If you have already made a payment to your contractual partner, please send us proof of payment (e.g. screenshot of the transfer receipt) by e-mail. Please note that even if payment is made immediately after we have been commissioned, the default costs will be incurred and must therefore also be reimbursed.

I cannot pay the full amount in one go.

If you are currently unable to pay the outstanding invoice completely, you can visit your individual payment page via a link sent to you or visit our payment page and choose a suitable solution for you (e.g. a payment pause or instalment plan). Alternatively, get in touch with us by phone or e-mail. PAIR Finance finds an individual and suitable payment arrangement in more than 97.8% of cases. For you too!

Where do the additional collection fees come from?

Collection costs are extrajudicial costs incurred by a creditor if a debtor does not fulfil his payment obligation or does not do so on time. If a debtor does not (timely) fulfil his payment obligation, a creditor is forced to take action to still get his money. Such action may consist of sending the debtor a reminder himself, but the creditor may also engage a third party to do so, often a collection agency. The collection agency then performs activities on behalf of the creditor (such as dunning, making payment arrangements), with the aim of still receiving (collecting) the amount the debtor still has to pay.

How high are collection fees?

Collection costs are structured according to a statutory graduated scale according to Art. XIX.4 WER, (Wetboek van economisch recht). A graduated scale implies a percentage that changes as the amount of the claim increases. The compensation charged for collection costs may not exceed the following graduated scale:

For a claim of EUR 150 or less - an amount of EUR 20
For a claim of more than EUR 150 up to EUR 500 - an amount of EUR 30 plus 10% of the debt in this area
For a claim of more than EUR 500 - an amount of EUR 65 + 5% of the debt in this area but not more than EUR 2000

Here, it does not matter by whom the claim is collected; by the creditor himself or by, for example, a collection agency, lawyer or bailiff commissioned by the creditor. The fee covers all collection actions, regardless of the description of the costs of those actions (e.g. administration, management or registration costs).

Can I also pay the creditor/contract partner directly?

Your outstanding claim has been handed over to us by your contractual partner for collection, meaning that we are now the direct contact for your claim. It is therefore very important that we receive your payment. This ensures that your case is processed efficiently and reliably for you and that your case can be effectively closed.

Unknown invoice
The invoice doesn't ring a bell. I did not place the order. What can I do?

Please do not ignore our contact anyway. You are welcome to send us an e-mail or discuss the situation on the phone to avoid further reminders and costs. We will clarify the matter with the contractual partner and will of course stop the process if it turns out that our payment requests are not justified.

If you do not know the contractual partner, the claim may still be justified, for example if you have used the services of a payment service provider as part of your order from a shop. This service provider, who enabled payment by invoice, for example, is your legal contractual partner and can now expect payment from you.

If, even after a thorough check, it is not clear to you why this request exists, and you have never received the underlying order or service, please also check whether your data may have been misused. This is important: Contact us in any case, we will help you!

Debt collection process
How does a debt collection process work in Belgium?

The debt collection process in Belgium consists of two phases: dunning from the creditor followed by the involvement of a debt collection agency.

In the first phase, the creditor sends a dunning letter, including mandatory information such as the amount due, creditor details, description of the debt, and the 14-day repayment period. This letter allows the creditor to claim collection costs if the debtor fails to pay within the specified period.

If the debt remains unpaid after the initial dunning letter, the second phase involves the debt collection agency sending an official debt collection letter. After the official debt collection letter, a deadline is set for the debtor to fulfil the claim

If no payment agreement can be reached, collection agencies can also take legal action and use a bailiff as a follow-up.

Where can I submit a complaint?

Too bad you're not satisfied with our service. Our team does its utmost every day to make debt collection easy for consumers and companies. You can submit a complaint on this page.

Security and data protection
How can I recognise whether a debt collection company is trustworthy?

Every debt collection company in Belgium must register as a debt collection services provider in accordance with the "Economic Law Code (Wetboek van economisch recht) with the competent authority, Federal Public Service Economy, and be entered in the debt collection services list. Authorisation as a registered debt collection services provider is linked, among other things, to the suitability and reliability of the persons acting in the company, and you can check this authorisation at any time on the Internet on the website of

Is PAIR Finance registered?

Yes, PAIR Finance is registered in Belgium at the Belgian Ministry of Economy, FÖD Economie, as a debt collection agency.

Where did PAIR Finance get my data from?

If you have been contacted by us, then we, as a debt collection service provider, have been commissioned by a company to work with you to find a solution for an outstanding payment. You should have originally made this payment to this company because you have or have had a purchase contract or service contract with them.

So that we can remind you of the outstanding debt and facilitate an amicable repayment, we must of course be able to contact you. Our client may and must therefore pass on your personal data, such as your name and address, the basis and amount of the claim, etc., to us. Only with this data is it possible for us to contact you and assert the claim.

Furthermore, it may be the case that we are not to mediate in relation to a claim against you, but against a third party, and we contact you in this context. This may be the case if you have been appointed as a carer or if you have been mandated as a lawyer. In these cases, your contact details for the claim file will be stored as the correspondence address, and you will also receive information on the processing of your personal data by the debt collection company in accordance with Art. 13 or 14 GDPR.

Which data may PAIR Finance process?

As a registered debt collection company, PAIR Finance is generally authorised to process all the data required to collect a debt. This regularly requires data about the debtor, e.g. name, address and telephone number, as well as the debt to be collected, i.e. in particular the reason for the debt, amount and due date.

PAIR Finance may also collect, store and use information itself if this is necessary for processing the case in question. This includes, in particular, obtaining creditworthiness information, determining addresses and other data required to assess the claim.

Why does PAIR Finance process my data without my consent?

Every company is free to seek the assistance of a lawyer or a debt collection agency in relation to an - even if only alleged - outstanding claim. In the case of an outstanding, possibly disputed claim, a company may and must pass on personal data, in particular name and address, the reason for the claim, the amount and the due date of the claim, to PAIR Finance. This is because only with this data is it possible for us to contact you and offer a solution for an outstanding claim.

Consent for the transfer of data to a legal service provider is not required. The activities of PAIR Finance are permitted under data protection law by the legal provisions of Art. 6 para. 1 sentence 1 lit. b) and lit. f) GDPR (data processing for contract fulfilment, data processing based on the legitimate interest of the creditor).

Is PAIR Finance obliged to delete my data?

As a so-called "data subject", you have a right to erasure of your personal data under Article 17 (1) GDPR under the conditions specified therein. PAIR Finance takes this right very seriously, just like the other rights under the GDPR. We have therefore developed a blocking and erasure concept for all data processed by us.

However, the legislator has also taken into account that the consent of the other party cannot always be required for the purpose of asserting outstanding claims. Therefore, there is no right to erasure of data if a company processes your data for the establishment, exercise or defence of legal claims. This is based on Article 17(3)(e) GDPR. Personal data may therefore continue to be stored as long as there are still outstanding claims and are processed as part of the debt collection activity. Once the debt collection procedure has been discontinued, the data is no longer required to fulfil the debt collection procedure and would in principle have to be erased in accordance with Article 17(1)(a).

However, deletion is replaced by restricted processing if legal, statutory or contractual retention periods prevent deletion (Art. 17 para. 3 lit. b) GDPR. Personal data must of course also continue to be stored due to commercial or tax regulations; however, this is then only done for this purpose. These periods may vary and last up to 10 years.

I would like to object to the processing of my data.

The exercise of the right to object to the processing of data on the basis of a balancing of interests (Art. 6 para. 1 lit. f) GDPR) in accordance with Art. 21 para. 1 GDPR requires that you provide PAIR Finance with specific reasons arising from your particular situation. This means that you must demonstrate that and why your particular case is an atypical constellation that gives particular weight to your interests. It is not sufficient, for example, to dispute the claim ("I have not concluded a contract") or to state that the creditor's performance was incorrect or did not take place.

However, the right to object does not apply under Art. 21 para. 1 GDPR if the processing of the data serves the assertion, exercise or defence of legal claims. In the typical case constellations in the context of debt collection processes (recovery of outstanding claims), your objection to our data processing will therefore ultimately be in vain. How else would it be possible to collect receivables if the processing of the information could be prevented? This is actually logical.

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Any further questions?

Our customer support team will be happy to help you!
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Do you need support for your finances?

Debt counselling services help you to get out of financial difficulties. Especially if you are over-indebted, you will receive support in finding an out-of-court solution. Your finances are organised along with you and individual debt plans are drawn up, always with the aim of preventing personal insolvency.

Find a debt counselling service near you
Debt counselling services can help you with the following topics, among others:
  • Receivables review
  • Household and budget counselling
  • Account seizure, wage assignment and offsetting
  • Insurance and credit counselling
  • Over-indebtedness
  • Livelihood security
  • Psychosocial counselling
  • and much more...

Settle your outstanding claim in just a few steps.

Enter your case number here*

*By clicking on "Continue", you consent to the collection and processing of technical information about your end device and information about the use of the payment platform. Further information on this data processing and on cancellation can be found in our data protection information. There you will also find the contact details of the company that contacted you if you wish to withdraw your consent to data processing. This is possible at any time. The terms of use for the payment page can be found here.