Q&A

A REST API with webhooks, documented in the developer centre. You get a client id and secret from us, build against the staging environment, then switch to the production one. Collection-specific complexity stays on our side, so you're passing invoices and reading statuses rather than modelling a collection process yourself.

The first reminder is automatic and goes out as soon as the due date passes. If the rent is still unpaid after that, amicable collection starts within days rather than after months of arrears.

With rent, timing is most of the outcome. A single month owed is a conversation. Four months owed is a sum many tenants can't clear at all.

We invoice and remind automatically, then recover what's unpaid through amicable collection and, where it's warranted, legal collection. Unpaid service charges carry a statutory claim on the unit itself, which is why resolution rates on these cases run high.

Yes. Using Kravia costs you nothing as long as a case is resolved before any legal action is taken or it's placed under long-term monitoring. Most cases are resolved long before that point.

Yes. Kravia plugs into 50+ accounting and ERP systems, so you keep your workflow and let invoicing and follow-up run on top, with no double entry.

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.

Invoicing and distribution, payment reconciliation, automated reminders, debt collection and, for the rare cases that need it, the legal/enforcement track. One continuous flow.

If you invoice customers, start with For Businesses. Accounting firms managing multiple clients: For Accountants. Software platforms that want to embed collection: Digital Partners.

If it's for something you bought but didn't pay for on time, it's best to pay as soon as possible. The easiest way is to log in to My Page and use the payment details there. You can also let us know if you can't pay right now, or if you disagree with the claim.

No. Cases can be created from your product and statuses flow back into it, so your users stay where they already work. The Kravia portal stays available for anyone who wants a fuller view across clients and systems.

That's the normal case. We handle the money conversation as a third party, within good collection practice, with deferrals and payment plans on the table before anything escalates.

Most cases resolve without the tenancy being affected. Acting early is what makes that possible: a small debt can be settled without pressure, and a large one usually can't.

Either works. We can contract with the managing agent across a whole portfolio of associations, or directly with a single association's board.

In both cases each association's cases and figures stay separate, so a board always sees its own position rather than a portfolio total.

Yes, you have full control. You can pause or stop a case at any time – either in your accounting system or in the Kravia portal. Flexibility is part of our solution. If a case is withdrawn late in the process there could be costs involved.

Your end customer, the one who didn't pay the invoice on time. The fees and interest are added to the invoice through the collection process, not billed to you.

EHF, e-invoice, email and paper post. The right channel is chosen automatically per customer, or you can set it yourself.

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.

No. Start where it helps most. Many clients plug Kravia into their existing invoicing just for follow-up and collection. It works on top of the systems you already use.

No. Kravia runs on top of the 50+ accounting and ERP systems it integrates with, so you keep your workflow, with no double entry.

Log in to My Page with your case number to find the payment details. You can pay part or all of the amount. If you pay the full amount, the case is closed and any payment remark is deleted.

No. Kravia holds a separate collection licence in each market it operates in. Norway's regulator is Finanstilsynet, Sweden's is Finansinspektionen, and Finland's is Lupa- ja valvontavirasto (LVV). The licence and the supervision stay with us.

Yes. There's no setup fee and no subscription, so a handful of tenancies costs the same to start as a few hundred. The invoicing and reminders run the same way at either size.

Only if a case requires legal steps or is placed under long-term monitoring. That happens in a small percentage of cases, and not earlier than three months after the due date.

Automatic reminders go out by SMS, email, phone and letter on a cadence you control. You can let Kravia handle everything, or hand-pick which invoices to chase.

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.

Debt collection is free to use. Fees and interest are added to the unpaid invoice and paid by the customer who didn't pay on time. You only pay if a case needs legal steps.

We know it's not always easy to pay. Log in to My Page to apply for a deferral or a payment plan, we're here to help.

Nothing to start. We're paid through the fees and interest added during the collection process. Costs only arise on the small share of cases that reach legal collection or long-term monitoring, and only well after the due date.

Our case handlers do, in your customer's name. They work within good collection practice: clear communication, with deferrals and payment plans available before anything escalates. Neither you nor your customer has to speak to them directly.

That's the point of how we work. We collect with empathy and in full compliance with good collection practice: clear communication, deferrals and payment plans before anything escalates. Residents and tenants are treated as people rather than case numbers.

No, it’s free to use Kravia – as long as the case is resolved before legal action is taken or the case is put under long-term monitoring. Most cases are resolved long before that. We make money from fees and interest added to the invoice, paid by the end customer.

Usually a combination of a court fee and a writing fee. For these rare cases we take on the work, and much of the risk, on a success-based basis.

If an invoice still isn't paid, it flows straight into debt collection, free to use, and with the full history already attached.

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.

If you dispute all or part of the claim, or didn't purchase the product or service, report it on My Page as soon as possible. Explain why you disagree and whether you've contacted the seller. We pause the collection process after we hear from you and get back in touch once we've spoken with the seller. If you only disagree with part of the claim, please pay the part you agree with.

Kravia is free for the businesses using it. No subscription, no setup fee, no per-case fee. We're paid from the fees and interest added once a case moves to collection, not by you or your users. Partner commercials are agreed per partnership.

They can dispute the claim or request a payment plan directly through My Page. We pause and work towards a solution that's fair to everyone involved.

We’re already integrated with your system. You can get started in minutes. Contact us and we’ll help – onboarding takes a maximum of 2 minutes.

Existing clients find the complete terms in Kundeweb under Settings, Workspace, Terms. If you're considering Kravia and want the details first, just get in touch.

Yes. We help customers pursue receivables in other countries too, both across the EU/EEA and in selected markets beyond. Get in touch for a quick assessment of your case.

Yes. We pursue legal collection across borders too, both within the EU/EEA and in selected markets beyond. Get in touch for a quick assessment of your case.

Where it's warranted, we handle legal collection in-house, within good collection practice, and everything updates back in the system you already use. The exact scope is agreed with you before anything escalates.

You get status updates directly in your accounting system. If you want an overview across clients or systems – or more detailed insights – you can manage all cases in the Kravia portal.

We connect to the accounting tools you already run on, alongside property and housing-admin systems. If you run several systems across different clients, you get a single overview across all of them.

We combine technology with real people. A dedicated case handler team follows up on each case with respect, flexibility, and understanding. Our goal is to find solutions that work and maintain your good relationship with the customer.

Since Kravia integrates with your accounting system, claims can be sent automatically when invoices are overdue – no extra steps needed. Or, you can choose to do it manually. After you send an invoice to Kravia, we handle everything with the customer. You save time and ensure a smooth process.

If you’ve received a letter/claim, we recommend contacting us via “My Page.” There you can also dispute the claim or request a payment plan. If you're the creditor (you own the claim), we recommend logging into the Kravia portal for faster help. You can also call or email our customer service.

A case enters “monitoring” when the invoice hasn’t been paid despite several reminders and actions. Usually, this happens about 3 months after the due date. Kravia will then periodically check the customer’s finances and try to collect. The duration can vary greatly.

To pay, just log in to “My Page” using your case number to find the payment details. You can choose to pay part or all of the amount now. If you pay the full amount, the case will be closed and any payment remark will be deleted.

These are fees added when you don’t pay by the due date. The amount is determined and regulated by the authorities.

Legal costs are fees for having a collection case processed by the authorities. These are added to your outstanding amount in accordance with the law, and only apply if your case proceeds to legal collection.

Once your payment is registered, your case will be updated. If the full amount is paid, the case will be closed. If only a part of the full amount is paid, we’ll continue follow-up for the rest. You can track what remains on “My Page” and contact us for help or to set up a payment plan.

If you dispute the whole claim, parts of the claim or did not purchase the product/service, you should report this on “My Page” as soon as possible. Explain why you disagree and whether you’ve contacted the seller/creditor. We will pause the collection process after we hear from you and will get back in touch once we’ve talked to the seller/creditor. If you only disagree with parts of the claim, please pay the part you agree with.

This is the public agency that handles forced collection if an invoice isn’t paid. This could include wage deductions or forced sale of assets. The authority gets involved only after all other solutions have been tried.

This is an interest you must pay if you haven’t paid on time. The interest rate is set and updated by the authorities every six months.

If you’ve received a debt collection letter for a product or service you bought but didn’t pay for on time, it’s best to pay it as soon as possible. The easiest way is to log in to “My Page” and use the payment information there. You can also notify us if you can’t pay now or if you disagree with the claim.

We understand that paying a claim can be difficult. Our goal is to find a solution that works for all parties involved. In most cases, it’s possible to arrange a deferred payment or a payment plan. You can start the process by logging into “My Page” and applying for a deferral or instalment plan.

It’s free to send an invoice to collections with Kravia. We get paid through fees and interest added to the invoice during the process. Costs may occur with legal collection and long-term monitoring, but this applies only to a small percentage of cases and happens at least 3 months after the due date.