Turn unpaid invoices into paid.
Kravia takes over the moment an invoice goes unpaid, and chase payments automatically. We treat your customer as someone you'll want to sell to again.
Integrated with the systems you already work in50+ accounting and ERP systems, fully integrated, not just connected.
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How collection runs
Here's what actually happens to an unpaid invoice.
Hand a case over in a few clicks, or let the system you already use send it automatically.
Follow every claim in real time, with a full overview of who owes what.
Reminders and collection steps run quietly in the background, on the right cadence.
What's included
One product that follows an unpaid invoice from first reminder to resolution. It begins with invoicing and payment follow-up.
Empathetic by default
Firm but fair. We pursue payment the Kravia way, protecting the customer relationship you've worked to build.
Payment monitoring
Keep an eye on at-risk invoices and let Kravia step in the moment one slips overdue, so nothing falls through the cracks.
Real-time overview
Follow every claim and its status as it happens, with a clear picture of who owes what.
Automated steps
Reminders and collection actions run quietly in the background, on the right cadence for each case.
Free for you
No subscription and no per-case fee. You only ever pay if a case needs legal steps later.
Works with your stack
Send cases straight from the accounting or ERP system you already use, with no double entry.
Process
The process, step by step
Collection is regulated nationally, so the steps differ slightly by market. Most cases end at step one or two, and what you do stays the same.
The inkassovarsel comes first, then collection. Fees attach at step 3, and enforcement runs through namsmannen.
Marks the step where statutory fees attach to the debtor, not to you.
- 1
Reminder
A friendly reminder once the invoice passes its due date.
- 2
Collection notice
A statutory notice (inkassovarsel) with a 14-day deadline goes out before collection begins.
- 3
Debt collection
We take over and pursue payment, with statutory fees and interest added to the claim.
Statutory fees begin
- 4
Agreement or handover
Most cases settle here, by payment or a plan. The rest can move to the legal route.
What your customer sees
A calm, clear payment page, not a scary letter. Your customer can pay or set up a plan in a couple of taps, and reach a real person if they need to.
Questions? We're here to help.
Legal collection
If it goes further, we take it the rest of the way.
For the few cases that don't settle, we handle the legal route end to end: filings, deadlines and enforcement. You don't have to chase any of it.
When the legal route fits
- Undisputed claim
- Reachable debtor
- Amount worth recovering
- Collection already tried
We handle everything from the first filing to the final payout, and we're paid mainly from what we recover. That means we only take on cases worth pursuing, and we carry much of the cost and risk of getting there. You always know where a case stands and what happens next.
Success-based: we're paid mainly from what we recover. See pricing
Talk to us about a case →International collection
We pursue receivables across the EU/EEA and in selected markets beyond, through local partners, so the flow stays the same wherever your customer is.
Get in touchBuilt on the statutory framework
Collection fees follow national regulation, so they stay predictable. Kravia operates through a licensed or registered entity in each market, and handles your data under the GDPR.
Security & TrustDebt collection questions
Nothing. There's no subscription and no per-case fee. The collection fees and interest are added to the overdue invoice and paid by the customer who didn't pay on time.
Undisputed claims that earlier steps haven't resolved, where the amount justifies the court and enforcement fees. We'll tell you honestly if a case isn't worth pursuing.
Our whole approach is built to avoid that. We follow up firmly but with empathy, so most customers pay and stay, and the relationship stays intact.
Largely success-based: we take on much of the work and risk and are paid mainly from what we recover. Court and enforcement fees themselves follow national regulation.
As soon as an invoice is overdue you can hand it over, or let your accounting system do it automatically. Reminders and the statutory steps then run on the right cadence for each market.
It varies by market and by how the debtor responds, but typically several weeks to a few months from filing to a ruling, then enforcement.
In the small share of cases that aren't resolved, we can move to the legal track and carry much of the risk on a success-fee basis. See the Legal collection page for details.
If a debtor genuinely can't pay, we'll advise against throwing good money after bad, and the success-based model keeps your exposure low either way.