What does modern payment monitoring look like in Finago Procountor?
Payment monitoring and debt collection are often only considered once an invoice is already overdue. What should be done now? Who will handle it, and how?
At Finago, the goal was to make payment monitoring smoother and easier to manage. The reminder and collection service Finago Maksuvahti was developed together with Kravia. The service is tightly integrated into Procountor, meaning it is not a separate step but part of everyday workflows.
Finago Maksuvahti makes payment monitoring predictable, manageable, and designed around the user – whether guided manually or supported by automation.
Debt collection has a reputation – but also a purpose
“Debt collection evokes strong emotions. In people’s minds, collection companies are often seen as greedy. What is less often remembered is that there is always a business behind the case – a company that has delivered a service or product but hasn’t been paid. The question is therefore not whether debt collection should happen, but how it is handled properly,” says Sami Sipponen, Product Manager for Maksuvahti at Finago.
Kravia shared this view from the very beginning. Philip Keihäs, Head of Partnerships at Kravia Finland, highlights the importance of how people are approached:
“The legislation around debt collection is the same for all operators. The difference lies in how you act – in how people are treated.”
Empathy does not mean compromising on principles. It means clarity, consistency, and professionalism in situations that can often be sensitive.
An integration that shows in everyday work
Instead of being a separate step, Finago Maksuvahti operates directly inside Procountor.
In practice, this means:
- No separate systems or logins
- No need for manual steps
- Real-time visibility into payment status
- The ability to automate the process
“We wanted to build a solution that is tightly integrated into Procountor and automates as much as possible without compromising the customer experience,” Sami explains.
“Kravia shared the same starting point and goal from the very beginning, which made both the development work and day-to-day collaboration smooth,” he continues.
This was not a one-time delivery, but continuous development.
“We’ve progressed iteratively, listened to customer feedback, and made improvements step by step. Everything doesn’t need to be built at once – what matters most is listening to customers and ensuring that what we build works well in practice.”
Customer feedback has been positive – both regarding the service itself and how payment monitoring works in everyday use.
A collaboration built as a structure, not a project
Philip Keihäs describes the collaboration with Finago as open and direct:
“We’ve had honest dialogue throughout. That makes it possible to react quickly and continuously improve the service.”
The partnership is not built around a single integration, but around a shared goal: making something that is often perceived as difficult more manageable and more human.
This has been particularly important during a period of economic uncertainty, when payment delays and pressure on company cash flow have increased.
Payment monitoring is not a “last resort,” but part of a broader cash-flow management process. When it becomes part of everyday operations – clear, transparent, and built into the system – the process becomes proactive rather than reactive.