Did you receive a claim?
Did you receive a claim?

Pan-European debt
collections under one roof

At Pactum we have managed to simplify the receivables & portfolio management areas. Through our state-of-the-art tools, advanced behavioral science & AI we are reshaping the sector and aim at
being the industry´s leading platform.

One team | One contract | One IT setup
One Europe, from Berlin.

At your service

Receivable
management

Reduce your daily sales outstanding (DSO) and improve your cash position by letting us take the due date reminder and collections processes piece off you. Rest assured that we are able to offer the best return while at the same time letting you focus on what is really important - growing your business.
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Portfolio
management

Optimize the return on your portfolios with us and let us do all the hard work. We perform robust due diligence and decide on the best course of action through all stages of the receivable’s life cycle. Our sophisticated approach including digital self-servicing powered by AI and an extensive panel of debt collections partners means that a fully comprehensive solution is readily available for you.
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Portfolio
purchase

We are fully aware that a non-performing portfolio may cause a heavy burden on your books. That is why we are willing to acquire them fully with a perspective of long-term cooperation with our business partners.
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Pactum's Approach
Experienced team in Berlin
  • One team.
  • One IT setup.
  • One contract.
  • One pricing.
  • Whole Europe.

Story

Established in 2016 as a central competence center for Ferratum Group, Pactum Collections has grown and diversified over the years to provide a service to 20 markets in Europe and globally with close to 100 professionals and excellent technology behind it. We can proudly say that our state-of-the-art collections tool which is powered by AI and driven by leading experts in the field allows us to help your organization and challenge the very best of debt collections agencies.

In summer 2020 the decision to scale our platform to the market was made to help other organizations with their collections and cash flows.