Spread Group and PAIR Finance – debt collection that sets international standards and puts customer satisfaction first.
Spread Group x PAIR Finance
For Spread Group, it was clear: receivables management also had to meet the highest standards of internationalisation, customer focus, and efficiency. With PAIR Finance, the next step has been taken – debt collection that works globally while putting customer satisfaction at the centre.
International growth: Spread Group operates in numerous markets and was seeking a debt collection solution that could keep pace with its international business.
Legal frameworks: Different statutory and regulatory requirements in its core markets (DE, CH, FR, AT) made a flexible, legally compliant approach to debt collection essential.
Customer focus and brand image: Communication with defaulting customers needed to be individual and respectful, with locally preferred payment methods offered to ensure customer satisfaction and brand loyalty.
Efficiency and integration: The solution needed to integrate seamlessly into Spread Group’s digital infrastructure and offer an intuitive, self-explanatory client portal.
With PAIR Finance, Spread Group found a partner that radically simplifies the internationalisation of receivables management. The ONE Approach enables receivables management to be controlled across all European core markets via a single contract and a central portal.
Country-specific legal, linguistic and cultural requirements, as well as local payment options, are automatically covered by PAIR Finance – without the need for complex individual contracts or integrations for each country. Processes are bundled, transparent, and can be easily extended to new countries at any time.
Together, Spread Group and PAIR Finance have established a centralised, digital debt collection solution for eight European core markets. After onboarding, a relative increase in the recovery rate of 72% was achieved compared to the previous partner. This recovery rate was further improved by another 22 percentage points up to 2024. Customer satisfaction also remains at a top level: the CSAT score across all markets in 2025 is 4.4 out of 5 points.
Processes have been standardised across countries without losing sight of local specifics. The digital solution relieves the team of administrative work and provides the scalability needed for further global growth. The partnership with PAIR Finance is particularly valued for its collaborative approach, working as equals with a shared understanding of customer-centric action.
“PAIR Finance has made international receivables management significantly simpler and more efficient for us. We particularly value the customer-focused, respectful communication and the straightforward, digital processing across all markets. This has not only increased our recovery rates, but also ensured our customer satisfaction in the long-term.”
Payment Specialist
Spread Group
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