Stacc Debt Collection

From scattered systems to seamless collections

Stacc Debt Collection connects systems, data and workflows into one platform for modern debt collection – so you can focus (less on systems and more) on your value-adding services.

We intimately understand the main challenges in the debt collection industry

We intimately understand the main challenges in the debt collection industry

Low levels of efficiency and automation

Manual time controlling system outcomes and approving actions

Manual time controlling system outcomes and approving actions

Manual time controlling system outcomes and approving actions

Manual time finding and extracting information

Manual time finding and extracting information

Manual time finding and extracting information

Manual time and human inaccuracies in preparing case documentation for compliance audits

Manual time and human inaccuracies in preparing case documentation for compliance audits

Manual time and human inaccuracies in preparing case documentation for compliance audits

Inadequate system flexibility to differentiate fee and price models across markets and customer segments

Inadequate system flexibility to differentiate fee and price models across markets and customer segments

Inadequate system flexibility to differentiate fee and price models across markets and customer segments

Large investments and long timelines for adaptability to new markets and changing regulatory requirements

Large investments and long timelines for adaptability to new markets and changing regulatory requirements

Large investments and long timelines for adaptability to new markets and changing regulatory requirements

Significant onboarding time for new case handlers due to workaround solutions

Significant onboarding time for new case handlers due to workaround solutions

Significant onboarding time for new case handlers due to workaround solutions

Limited ability to change the status quo

Limited self-serve functionality

Limited self-serve functionality

Limited self-serve functionality

Closed systems with dependencies on third-party support

Closed systems with dependencies on third-party support

Closed systems with dependencies on third-party support

Poor third-party service quality and levels remain common

Poor third-party service quality and levels remain common

Poor third-party service quality and levels remain common

Long time-to-market for any innovation and new campaigns, with low number of experiments

Long time-to-market for any innovation and new campaigns, with low number of experiments

Long time-to-market for any innovation and new campaigns, with low number of experiments

Limited impact and incompatibility of modern add-ons with legacy core systems

Limited impact and incompatibility of modern add-ons with legacy core systems

Limited impact and incompatibility of modern add-ons with legacy core systems

100%

increase in debt collection claims over the last 10 years in Sweden

increase in debt collection claims over the last 10 years in Sweden

Svensk Inkasso, 2024

Svensk Inkasso, 2024

11.7%

increase in the number of debt collection cases in Norway

Finanstilsynet, 2024

Finanstilsynet, 2024

24.3%

increase in the number of insolvency proceedings in Germany

Creditreform, 2024

Creditreform, 2024

40%

of SMBs struggle to recover debts manually

Market Data Forecast, 2023

Market Data Forecast, 2023

60%

of European SMBs reported challenges in managing late payments

Allied Market Research, 2022

Allied Market Research, 2022

Shift your efforts

Shift your efforts

Go from solving daily challenges to customers' real needs

Go from solving daily challenges to customers' real needs

20% R&D

Yesterday

"Doing things right"

Optimising resources and processes

Focus on internal processes and resource efficiency

80% R&D

Tomorrow

"Doing the right things"

Creating value for customers and stakeholders

Focus on customer value and market needs

Aspired business impact with Stacc Debt Collection

Aspired business impact with Stacc Debt Collection

Brace for impact. The transformation is here.

Brace for impact. The transformation is here.

Transform customer engagement

Speed up operations by 75 to 97%

Accelerate time to payment

Flex fee and pricing structures as you want

Enable 1-click audit per customer

Transform customer engagement

Create a consistent and caring experience for end-customers, engage them and enable them to recover from debt with a modern and seamless approach built for the humans behind each debt.

Transform customer engagement

Speed up operations by 75 to 97%

Accelerate time to payment

Flex fee and pricing structures as you want

Enable 1-click audit per customer

Transform customer engagement

Create a consistent and caring experience for end-customers, engage them and enable them to recover from debt with a modern and seamless approach built for the humans behind each debt.

Transform customer engagement

Speed up operations by 75 to 97%

Accelerate time to payment

Flex fee and pricing structures as you want

Enable 1-click audit per customer

Transform customer engagement

Create a consistent and caring experience for end-customers, engage them and enable them to recover from debt with a modern and seamless approach built for the humans behind each debt.

All of this while enabling 100% compliance and limitless innovation

Product overview

Composable modules in Stacc Debt Collection

API-native, standard modules with extensive composability for all steps in an invoice lifecycle

Product overview

Composable modules in Stacc Debt Collection

API-native, standard modules with extensive composability for all steps in an invoice lifecycle

Product overview

Composable modules in Stacc Debt Collection

API-native, standard modules with extensive composability for all steps in an invoice lifecycle

Financing

Ledger

Ledger

Ledger

Invoice admin

Invoice admin

Invoice admin

Clients

Clients

Clients

Customers

Customers

Customers

Pricelist

Pricelist

Pricelist

Collect

Collect

Case import

Case import

Case import

Case handling

Case handling

Case handling

Interest calculation

Interest calculation

Interest calculation

Debt tracking

Debt tracking

Debt tracking

Payments

Payment matching

Payment matching

Payment matching

Scoring engine

Scoring engine

Scoring engine

Disbursements

Disbursements

Disbursements

Bank accounts

Bank accounts

Bank accounts

Documents

Documents

Import

Import

Import

Distribution

Distribution

Distribution

Templating

Templating

Templating

Accounting

Accounting

Accounting data

Accounting data

Accounting data

Accounting export

Accounting export

Accounting export

Reconciliation

Reconciliation

Reconciliation

Why Stacc?

A world-class Debt Collection Platform

Multi-country expertise in credit and debt collection

Modern and composable for full scalability

Highly automated and intelligent capabilities

Quality consistency and compliance

A trusted migration partner

Multi-country expertise in credit and debt collection

Take comfort in working with a European-scale platform company with extensive track-record of multi-country customers as well as a dedicated team of 22 professionals with more than 15 years of experience in debt collection, factoring and compliance.

Why Stacc?

A world-class Debt Collection Platform

Multi-country expertise in credit and debt collection

Modern and composable for full scalability

Highly automated and intelligent capabilities

Quality consistency and compliance

A trusted migration partner

Multi-country expertise in credit and debt collection

Take comfort in working with a European-scale platform company with extensive track-record of multi-country customers as well as a dedicated team of 22 professionals with more than 15 years of experience in debt collection, factoring and compliance.

Why Stacc?

A world-class Debt Collection Platform

Multi-country expertise in credit and debt collection

Modern and composable for full scalability

Highly automated and intelligent capabilities

Quality consistency and compliance

A trusted migration partner

Multi-country expertise in credit and debt collection

Take comfort in working with a European-scale platform company with extensive track-record of multi-country customers as well as a dedicated team of 22 professionals with more than 15 years of experience in debt collection, factoring and compliance.

Key features

Adaptable and automated debt collection

We have everything you need to streamline invoice administration and debt collection

Dunning process

Unplaced payments

Depreciation

Dunning process

Unplaced payments

Depreciation

Dunning process

Unplaced payments

Depreciation

Scalability

Scale with a robust infrastructure

Scale with a robust infrastructure

Stacc Debt Collection’s infrastructure handles the heavy lifting so you can focus on innovation and growth

Stacc Debt Collection’s infrastructure handles the heavy lifting so you can focus on innovation and growth

  • Enhanced capacity where it’s needed most

    Our modular architecture solution directs resources to areas where they are most needed, helping improve efficiency and uptime.

  • Functionality scaling

    Add new features and business logic aligning with diverse customer or business processes.

  • Geographic enabler

    Enables support for regional settings on rules, processes and regulations. Adapt to new markets effortlessly.

  • Real-time operations

    Stacc Debt Collection operates as a real-time event-based solution. Triggered events initiate configured workflows, each running independently without unnecessary dependencies.

Adaptability

Set your business-rules

Set your business-rules

Stacc Debt Collection offers multi-level configuration possibilities with global, client and end-customer settings for maximum flexibility and control

Stacc Debt Collection offers multi-level configuration possibilities with global, client and end-customer settings for maximum flexibility and control

Flora Debt Collection screenshot
Flora Debt Collection screenshot
Flora Debt Collection screenshot

Cross-border compliance-enabler

Stacc Debt Collection can be adapted to meet the regulatory requirements of the country in which you operate. With extensive configuration options, achieve seamless compliance and navigate complex legal landscapes for smooth cross-border operations.

Manage revenue-sharing

Manage business agreements with Stacc Debt Collection’s advanced revenue-sharing functionality. Simplify everything from agreement setup to accounting exports with intuitive tools.

Dynamic currency management

Manage multiple currencies effortlessly with real-time matching, conversion and integration into your workflows—all within a single instance. Streamline financial management across borders with ease.

Flexible installment plans

Adjust terms, modify monthly payments, choose amortisation types, pause payments or add fees. Stacc Debt Collection’s flexibility lets you fine-tune repayment plans to your business and customer needs.

Automation

Automate every step of debt collection

Automate every step of debt collection

Stacc Debt Collection automates your debt collection processes so you can focus on growth

Stacc Debt Collection automates your debt collection processes so you can focus on growth

Fully automated workflows

From invoices to payments, every stage runs seamlessly.

Proactive exception handling

Receive alerts only for critical issues, with solutions ready to implement

Trustworthy workflow processing

Invoices and cases are automatically processed according to your configured rules

Bridge icon
Bridge icon
Bridge icon

Effective resource utilisation

Reduce manual work and focus on high-value tasks

Connectivity

Connect anything today - Stay ahead tomorrow

Connect anything today - Stay ahead tomorrow

Connect anything today - Stay ahead tomorrow

Stacc Debt Collection’s API-first philosophy ensures seamless integration with your existing applications

Stacc Debt Collection’s API-first philosophy ensures seamless integration with your existing applications

Invoices example
Invoices example
Invoices example
  • Advanced API Integration

    Import and export data with ease, maintaining complete control of your processes.

  • Support for existing applications

    Enables use of old beloved code, solutions & integrations minimizing your efforts towards integrations with Stacc Debt Collection.

  • Focus on growth

    Our open and integrable solution allows you to shift focus from basic operations to driving innovation and investing in R&D, enabling growth and competitive advantages.

Enterprise-ready. Bank-grade by default.

Digital transformation with bank-grade security, scalability and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Enterprise-ready. Bank-grade by default.

Digital transformation with bank-grade security, scalability and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Enterprise-ready. Bank-grade by default.

Digital transformation with bank-grade security, scalability and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Security and compliance you can trust

  • ISO 27001 certified with SOC 2 Type II report in 2025

  • Debt Collection Act, GDPR, NIS 2, DORA, The Debt Collection Act, EU AI Act, financial and ICT regulations, etc.

  • Time-sensitive reporting, extensive logging and audits

  • DevSecOps & CI/CD pipeline security, GRC platform, pen testing and continuous policy & risk monitoring

Security and compliance you can trust

  • ISO 27001 certified with SOC 2 Type II report in 2025

  • Debt Collection Act, GDPR, NIS 2, DORA, The Debt Collection Act, EU AI Act, financial and ICT regulations, etc.

  • Time-sensitive reporting, extensive logging and audits

  • DevSecOps & CI/CD pipeline security, GRC platform, pen testing and continuous policy & risk monitoring

Security and compliance you can trust

  • ISO 27001 certified with SOC 2 Type II report in 2025

  • Debt Collection Act, GDPR, NIS 2, DORA, The Debt Collection Act, EU AI Act, financial and ICT regulations, etc.

  • Time-sensitive reporting, extensive logging and audits

  • DevSecOps & CI/CD pipeline security, GRC platform, pen testing and continuous policy & risk monitoring

Integration-friendly and fully agnostic

  • Extensive service catalogue of 200+ pre-built integrations

  • Data agnostic, built for fast time-to-market

  • Self-serve, low-code/no-code configuration, tools and workflows

Integration-friendly and fully agnostic

  • Extensive service catalogue of 200+ pre-built integrations

  • Data agnostic, built for fast time-to-market

  • Self-serve, low-code/no-code configuration, tools and workflows

Integration-friendly and fully agnostic

  • Extensive service catalogue of 200+ pre-built integrations

  • Data agnostic, built for fast time-to-market

  • Self-serve, low-code/no-code configuration, tools and workflows

Scalable and flexible collections platform

  • Cloud- and API-native platform built for scale to any size

  • End-to-end lifecycle with multi-country and multi-currency support

  • Self-serve, low-code/no-code configuration, tools and workflows

Scalable and flexible collections platform

  • Cloud- and API-native platform built for scale to any size

  • End-to-end lifecycle with multi-country and multi-currency support

  • Self-serve, low-code/no-code configuration, tools and workflows

Scalable and flexible collections platform

  • Cloud- and API-native platform built for scale to any size

  • End-to-end lifecycle with multi-country and multi-currency support

  • Self-serve, low-code/no-code configuration, tools and workflows

Proven reliability

  • 40+ years of credit domain experience

  • 280+ customers, including Nordic Tier 1 banks

  • ISO 9001 certified quality management

  • 24/7/365 SLA-backed SaaS delivery

Proven reliability

  • 40+ years of credit domain experience

  • 280+ customers, including Nordic Tier 1 banks

  • ISO 9001 certified quality management

  • 24/7/365 SLA-backed SaaS delivery

Proven reliability

  • 40+ years of credit domain experience

  • 280+ customers, including Nordic Tier 1 banks

  • ISO 9001 certified quality management

  • 24/7/365 SLA-backed SaaS delivery

Pre-built integrations

200+ plug and play integrations

Enable next-level digitisation and automation with our pre-built third-party integrations

Pre-built integrations

200+ plug and play integrations

Enable next-level digitisation and automation with our pre-built third-party integrations

Pre-built integrations

200+ plug and play integrations

Enable next-level digitisation and automation with our pre-built third-party integrations

  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • Postnord Strålfors logo
  • Postnord Strålfors logo
  • Postnord Strålfors logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • BankID logo
  • Kredinor logo
  • Kredinor logo
  • Kredinor logo
  • Brønnøysundregistrene logo
  • Brønnøysundregistrene logo
  • Brønnøysundregistrene logo
  • Ambita logo
  • Ambita logo
  • Ambita logo
  • Altinn logo
  • Altinn logo
  • Altinn logo
  • BankID logo
  • BankID logo
  • BankID logo
  • Nets logo
  • Nets logo
  • Nets logo
  • Trapets logo
  • Trapets logo
  • Trapets logo
  • Intrum logo
  • Intrum logo
  • Intrum logo
  • Signicat logo
  • Signicat logo
  • Signicat logo
  • Bits logo
  • Bits logo
  • Bits logo
  • Experian logo
  • Experian logo
  • Experian logo
  • CM1 logo
  • CM1 logo
  • CM1 logo
  • Eiendomsverdi logo
  • Eiendomsverdi logo
  • Eiendomsverdi logo
  • Skatteetaten logo
  • Skatteetaten logo
  • Skatteetaten logo
  • Dun & Bradstreet logo
  • Dun & Bradstreet logo
  • Dun & Bradstreet logo
  • Provenir logo
  • Provenir logo
  • Provenir logo
  • Scrive logo
  • Scrive logo
  • Scrive logo
  • UC logo
  • UC logo
  • UC logo
  • Kartverket logo
  • Kartverket logo
  • Kartverket logo
  • Sinch logo
  • Sinch logo
  • Sinch logo
  • Sinch logo
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  • Sinch logo

Complete services catalogue at request

Complete services catalogue at request

FAQ

How does Stacc Debt Collection integrate with existing systems?

How does Stacc Debt Collection integrate with existing systems?

How does Stacc Debt Collection integrate with existing systems?

What about compliance and security?

What about compliance and security?

What about compliance and security?

How does Stacc Debt Collection handle multiple currencies?

How does Stacc Debt Collection handle multiple currencies?

How does Stacc Debt Collection handle multiple currencies?

Can Stacc Debt Collection handle high transaction volumes?

Can Stacc Debt Collection handle high transaction volumes?

Can Stacc Debt Collection handle high transaction volumes?

How do you ensure painless migrations?

How do you ensure painless migrations?

How do you ensure painless migrations?

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Subscribe to news about Stacc Debt Collection and stay ahead on the development of the new challenger in the debt collection industry.

See our privacy and cookie policy for more info.

Stacc Debt Collection newsletter

Subscribe to news about Stacc Debt Collection and stay ahead on the development of the new challenger in the debt collection industry.

See our privacy and cookie policy for more info.

Book a demo

Ready to transform your debt collection company?

Experience the modern, modular and highly automated value of Stacc Debt Collection

Book a demo

Ready to transform your debt collection company?

Experience the modern, modular and highly automated value of Stacc Debt Collection

Book a demo

Ready to transform your debt collection company?

Experience the modern, modular and highly automated value of Stacc Debt Collection