Reference number
Where can I find my reference number?

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

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

Payment & Fees
How can I pay?

PAIR Finance offers you the option of paying the open invoice quickly and securely with various payment options. We offer the following payment methods in Austria:

Apple Pay
Google Pay
Credit cards
Paypal
Trustly
Klarna (immediately)
Manual transfer
Payment pause
Instalment payment

You will find the link to your individual payment page in the emails, SMS and WhatsApp messages you receive from us.

Alternatively, you can also go to your payment page by entering your reference number at payment.pairfinance.com.

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 payment, please write us a message stating your reference number.

E-mail address: servicio.cliente@pairfinance.es

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 in the case of immediate payment after our commissioning, the late payment costs are incurred and must therefore also be reimbursed.

I cannot pay the full amount at once.

If you are currently unable to pay the open invoice in full, you can use the link sent to you to visit your individual payment page or choose our payment page payment.pairfinance.com and a suitable solution (e.g. a payment pause or an instalment payment plan). Alternatively, please contact us by phone or email. PAIR Finance finds individual and suitable payment agreements in more than 97.8% of cases. For you too!

Can I also pay directly to the creditor/contractual partner?

Your contractual partner has handed over your open claim to us for collection, so that we are now the direct contact person 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 closed effectively.

Unknown invoice
The invoice doesn't tell me anything. I didn't order there. What can I do?

Please do not ignore our contact anyway. Feel free to send us an e-mail or discuss the situation on the phone to avoid further reminders and costs. We clarify the process with the contractual partner and 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 so-called payment service provider as part of your order at a shop. This service provider, which has enabled payment by invoice, for example, is your legal contractual partner and may now expect payment from you.

If, even after thorough examination, it is not clear to you why this claim exists and you have never received the underlying order or service, please also check whether your data may have been misused. For more information, please visit the website of the Federal Office for Information Security. The important thing is: Be sure to get in touch, we'll help you!

Collection process
How does a collection process work in Spain?

The company with which you have an open claim has engaged PAIR Finance to safeguard its interests and to agree on a payment solution for the open claim. We endeavour to find a suitable payment solution with you in the out-of-court proceedings. We also want to keep the costs of the process as low as possible for you. You should always contact us by e-mail or telephone, even if you have objections. This allows you and us to clarify questions as quickly as possible before any further costs are incurred.

Complaint
Where can I lodge a complaint?

We are sorry that you are not satisfied with our service. Every day, our team does everything to make debt collection easy for consumers and businesses. You can submit a complaint on this page.

Security & Privacy
How can I know that a debt collection company is reputable?

PAIR Finance GmbH is a German company. On the one hand, every debt collection company in Germany must register as a legal service provider under the Legal Services Act with the competent authority, usually the local state or higher regional court, and be entered in the legal services register. Authorisation as a registered legal service provider is linked, among other things, to the suitability, reliability and theoretical and practical expertise of the persons acting in the company. You can check this authorisation at any time online at Rechtsdienstleistungsregister.

On the other hand, the majority of German debt collection companies have organised themselves in the Bundesverband Deutscher Inkasso-Unternehmen e.V. (BDIU). The BDIU places high demands on all members with regard to lawful conduct and integrity as well as transparency in dealings with consumers. Further information and all members of the association can be found at www.inkasso.de.

Is PAIR Finance registered?

Yes, PAIR Finance is registered in the legal services register in Germany.

Where does 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 originally have made this payment to this company because you have or have had a purchase contract or service contract there.

In order for us to remind you of the open claim and enable an amicable repayment, we must of course be able to contact you. Therefore, our client may and must forward your personal data to us, such as your name and address, the basis and amount of the claim, etc. Only with this data is it possible for us to approach you and assert the claim.

Furthermore, it may be the case that we are not supposed to mediate in relation to a claim against you, but against a third party, and that we will contact you in this context. This may be the case if you are appointed as a carer or have been mandated as a result of your work as a lawyer. In these cases, your contact details for the debt file will be stored as a 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.

What data may PAIR Finance process?

As a registered debt collection service provider, PAIR Finance may generally process all data required to collect a claim. For this purpose, data on the person of the debtor is regularly required, e.g. name, address and telephone number as well as on the claim to be collected, i.e. in particular the reason for the claim, amount and due date.

Furthermore, PAIR Finance may also determine, store and use information itself if this is necessary for the processing of the respective case. This includes, in particular, obtaining credit reports, determining addresses and other data required to assess the claim.

Why does PAIR Finance process my data without my consent?

Any company is free to seek the assistance of a lawyer or a debt collection company with regard to an – even if only alleged – open claim. In cases of an open, possibly also disputed claim, a company may and must pass on personal data, in particular name and address, the reason for the claim, the amount of the claim and the due date of the claim, to PAIR Finance. Only with this data is it possible for us to get in touch with you and offer a solution for an open claim.

Consent for the transfer of data to a legal service provider is not required. The activities of PAIR Finance are subject to data protection law due to the legal circumstances of Art. 6 (1) sentence 1 lit. b) and lit. f) GDPR (data processing for the performance of contracts, data processing on the basis of the creditor’s legitimate interest).

Is PAIR Finance obliged to delete my data?

As a so-called “data subject”, you have the right to have your personal data erased in accordance with Article 17 (1) GDPR under the conditions specified therein. This right is taken very seriously by PAIR Finance, as are the other rights under the GDPR. We have therefore developed a blocking and deletion concept for all data we process.

However, the legislator has also taken into account that the consent of the other party is not always required for the purpose of asserting open claims. Therefore, there is no right to erasure of data if a company processes your data to assert, exercise or defend legal claims. This results from Article 17 (3) lit. e) GDPR. Personal data may therefore continue to be stored as long as open claims still exist and are processed as part of the debt collection activity. After discontinuation of the debt collection procedure, the data are no longer required for the fulfilment of the debt collection procedure and would in principle have to be erased in accordance with Art. 17 (1) lit. a).

However, erasure is replaced by restricted processing if legal, statutory or contractual retention periods prevent erasure (Art. 17 (3) lit. b) GDPR in conjunction with Section 35 (3) BDSG). Personal data must of course also be retained further due to commercial or tax regulations; however, this will only be done for this purpose. These deadlines may vary. The German laws that apply to the activities of PAIR Finance, namely the German Tax Code (AO) and the German Commercial Code (HGB), provide for deletion periods of 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 weighing of interests (Art. 6 (1) lit. f) GDPR) pursuant to Art. 21 (1) GDPR requires you to assert specific reasons to PAIR Finance that arise from your particular situation. This means that you must demonstrate that and why your particular case is an atypical constellation that gives special weight to your interests. It is not sufficient, for example, to deny 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 (1) GDPR if the processing of the data serves the assertion, exercise or defence of legal claims. In the case constellations typical in the context of debt collection processes (collection of open claims), your objection to our data processing will therefore ultimately be in vain. How else should it even be possible to collect claims if the processing of the information could be prevented. Quite logical.

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Do you have any further questions?

Our customer support team will be happy to help you!
Please remember to state your reference number. i
Send us an e-mail to:
servicio.cliente@pairfinance.es

Do you need help with your finances?

Debt counselling services can help you get out of financial difficulties. Especially in the case of over-indebtedness, you will receive support in finding an out-of-court solution. Together we will organise your finances and draw up individual debt plans, always with the aim of preventing personal insolvency.

Find a debt counselling service near you
Debt counselling services help you with the following topics, among others:
  • Claims verification
  • Household and budget consulting
  • Account seizure, wage assignment and offsetting
  • Insurance and credit counselling
  • Over-indebtedness
  • Securing your livelihood
  • Psychosocial support
  • and much more…

Settle your outstanding claim in just a few steps.

Enter your reference number here*

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*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.