What Payt does

Payt B.V. is a Netherlands-based cloud SaaS company, founded in 2012 in Groningen, that provides accounts receivable management and debtor collection software to more than 3,500 organizations and 17,000 users across 50+ industries in the Netherlands, Belgium, Germany, the UK, and France. The platform automates invoice follow-up, payment reminders, dunning, reconciliation, and customer communication through an invoice portal, with configurable pacing and tone; it is sold on a tiered monthly subscription model based on invoice volume (€39.95 to €159.95/month, plus a custom enterprise tier for 250+ invoices) with additional per-assignment fees for SmartCollect in-house collection (€19.95) and per-transaction payment processing fees. The platform's AI features include payment prediction (forecasting when invoices will be paid from historical behavior), smart labeling (automatic account segmentation), and an AI worker that conducts outbound calls to debtors about unpaid invoices, all supported by a built-in Peppol Access Point for e-invoicing, integrations with major European accounting and ERP systems (Exact, AFAS, Twinfield, SAP, Oracle NetSuite, Xero, Visma, Wolters Kluwer), and creditworthiness data from GraydonCreditsafe.

The business combines a self-serve product-led growth motion for smaller customers (up to 250 invoices/month) with an enterprise sales motion featuring named advisors, tailored onboarding, and custom pricing for larger organizations. Go-to-market relies on content marketing, SEO, country-specific localized websites, paid social and search advertising, and a referral channel through accountancy partners. Payt holds ISO 27001 and NEN 7510 certifications, is GDPR compliant, and reports customer outcomes including 30-50% faster invoice payments, up to 80% time savings on AR management, and a 65% in-house collection rate via SmartCollect.

In July 2024, Payt received a €55 million minority investment from Partech to fund European expansion, sales scaling, and the build-out of AI capabilities; this is the company's first disclosed institutional round. The company is privately held, operates as Payt B.V., is headquartered in Groningen with an additional Amsterdam-region office in Wormerveer, and employs 11-50 people.

Name

Payt

Legal name

Payt B.V.

Website

https://paytsoftware.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Payt is a Netherlands-based cloud SaaS platform, founded in 2012, that automates accounts receivable management and debtor collection for 3,500+ organizations across 50+ industries in the Netherlands, Belgium, Germany, the UK, and France.

Ownership category

akta.pro rank

Product category

Accounts Receivable Management Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Collection Agencies (561440), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industries

Biller Direct EBPP Platforms (FSAMAJAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Accounts receivable software
• Invoice collection platform
• Debtor management automation
• Payment reminder software
• Credit management SaaS

Headquarters

HQ city

Groningen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription: Monthly subscription fees based on invoice volume tiers. Packages range from low volume (up to 30 invoices) at €39.95/month to high volume (75-250 invoices) at €159.95/month, with custom pricing for organizations sending 250+ invoices monthly. All packages include unlimited users, automated reminders, reports, and 24/7 access.
2. Transaction Fees: Additional fees for payment processing including iDEAL payments at €0.35 per transaction. SmartCollect follow-up service priced at €19.95 per assignment.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Payt provides a cloud-based SaaS platform for accounts receivable management and debtor collection that automates invoice follow-up, payment reminders, dunning letters, and debtor communication. The platform serves SMB and enterprise customers across 50+ industries with tiered monthly subscriptions based on invoice volume, supplemented by add-on modules including SmartCollect for in-house debt collection, AI-driven payment prediction and an AI worker for automated debtor calls, Peppol e-invoicing, creditworthiness checks, and a Post API for ERP/accounting system integration.

Product overview

Payt is a cloud-based accounts receivable management SaaS platform offering a tiered product architecture. The core Payt Core Platform provides automated invoice follow-up, payment reminders, debtor communication, and an invoice portal, with results of 30-50% faster payments and up to 80% time savings. The platform is offered in four pricing tiers based on monthly invoice volume: Up to 30 invoices (€39.95/month), 30-75 invoices (€69.95/month), 75-250 invoices (€159.95/month), and a tailored custom tier for 250+ invoices. Add-on modules include SmartCollect (€19.95/assignment) for in-house debt collection before external escalation, the AI Module encompassing Payment Prediction, Smart Labeling, and an AI Worker for automated debtor calls, a Peppol E-invoicing integration for standardized electronic invoicing, a Creditworthiness Check via GraydonCreditsafe, a Smart Payment Plan module, a Post API for third-party system connectivity, and a Reconciliation Module. All features are fully integrated within the unified platform and available across 50+ industries.

Differentiator

Problem solved

Functional benefit

Products and services

• Payt Core Platform Cloud-based accounts receivable management software that automates invoice follow-ups, payment reminders, and debtor communication. Enables invoices to be paid 30-50% faster and saves up to 80% of time on AR management. Sold to organizations across 50+ industries on tiered monthly subscriptions.
• SmartCollect Intelligent intermediate step before external debt collection, with automated workflows and customer-friendly communication. An average of 65% of outstanding invoices are paid in-house, fully managed and compliant. Priced at €19.95 per assignment.
• Payt AI Module (Payment Prediction, Smart Labeling, AI Worker) AI-powered module that includes Payment Prediction (forecasts when invoices will be paid based on historical behavior), Smart Labeling (automatically segments accounts by patterns in communication and payment behavior), and an AI Worker that automatically calls accounts with unpaid invoices, handling conversations professionally.
• Invoice Portal Customer-facing portal that enables direct communication about invoices at the invoice level. Customers can arrange payment agreements or ask questions, with all communication stored centrally and accessible to all users.
• Peppol E-invoicing Direct e-invoice sending and receiving through the Peppol network with automatic format conversion to UBL/XML. Payt acts as an Access Point, allowing users to send and receive e-invoices to any Peppol-registered entity globally without separate configuration.
• Creditworthiness Check Integration with GraydonCreditsafe that provides instant insight into customer credit scores and financial position, enabling better decisions about payment terms and credit extension before entering business relationships.
• Smart Payment Plan Flexible payment plan module that can be initiated by either the user or the customer. The user sets a minimum payment amount, with fully automated follow-up handled by the platform, and the module can be enabled or disabled at any time.
• Post API API integration that enables external systems to provide data and connect with Payt regardless of the user's existing software, enabling automated data exchange between third-party systems and the Payt platform.
• Reconciliation Module Module for automatic matching of payments received in the bank account with the correct invoices. Keeps payment processing centralized in Payt and ensures paid invoices are processed immediately for a reliable overview of outstanding invoices.
• Electronic Invoicing Feature for sending and receiving invoices electronically in standardized formats (UBL/XML), ensuring faster data processing, reducing errors, and providing cost and time savings compared to PDF invoicing.
• Payt Subscription Tier — Up to 30 Invoices/month Entry-level monthly subscription for organizations sending up to 30 invoices per month, priced at €39.95/month. Includes up to 30 invoices via email, 1 administration, up to 2 official final reminders, and unlimited users. Does not include SmartCollect follow-ups.
• Payt Subscription Tier — 30 to 75 Invoices/month Mid-tier monthly subscription for organizations sending 30 to 75 invoices per month, priced at €69.95/month. Includes up to 75 invoices via email, 2 administrations, up to 5 official final reminders, and 2 SmartCollect follow-ups per month.
• Payt Subscription Tier — 75 to 250 Invoices/month High-volume monthly subscription for organizations sending 75 to 250 invoices per month, priced at €159.95/month. Includes up to 250 invoices via email, 3 administrations, up to 10 official final reminders, and 5 SmartCollect follow-ups per month.
• Payt Tailored — 250+ Invoices/month (Enterprise) Custom-priced subscription for organizations sending more than 250 invoices per month. Software is tailored to specific needs and requirements, suitable for international invoicing, with a personalized proposal after assessment.

Quantifiable outcome

• 30-50% faster invoice payments
• +6 more outcomes

Named customers8 records

Segments14 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability6 records

Feature10 records

Partnerships

Four partnerships are on record, tiered core.

• GraydonCreditsafecoreTechnology or IntegrationIntegration partnership providing creditworthiness checking functionality within Payt's platform. Through this partnership, users gain insight into customer credit scores and can review debtor details to make informed decisions about credit terms and payment arrangements.
• Accounting/ERP System IntegrationscoreTechnology or IntegrationPre-built integrations with major accounting and ERP platforms including Exact, AFAS, Twinfield (Clearhouse), SAP, Oracle NetSuite, Xero, Visma, Wolters Kluwer. These integrations enable seamless data sync and automated workflows for customers using these systems.
• Peppol NetworkcoreTechnology or IntegrationPayt is connected to the Peppol network as an Access Point, enabling direct e-invoicing to any Peppol-registered entity globally. Users don't need separate Access Point setup - Payt handles the connection automatically.
• Payment Service ProviderscoreTechnology or IntegrationIntegration partnerships with payment processors enabling multiple payment methods including iDEAL, PayPal, Mastercard, Direct Debit, Mollie, Bancontact, and WERO. These integrations facilitate faster payments through convenient payment options.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Onguard: Onguard is a Netherlands-based credit management software company offering order-to-cash, collections, and AR automation solutions. It is the most direct Dutch competitor to Payt with overlapping customer base and similar product positioning in the Benelux market.
• Sidetrade: Sidetrade is a publicly listed European (Euronext Paris) AI-driven order-to-cash platform specializing in cash collection and AR automation. It directly competes with Payt in France and broader Europe, with comparable AI-driven collection capabilities.
• Serrala: Serrala is a Germany-based global provider of finance and AR automation software serving enterprise customers across Europe and North America. It overlaps with Payt in DACH-region enterprise AR automation and complements Payt with broader treasury and payment workflows.
• CollectAI: CollectAI (an Arvato Financial Solutions subsidiary) is a Germany-based AI-powered debt collection platform. It directly competes with Payt's SmartCollect and AI worker capabilities, focused on optimizing collection conversations via digital channels.

Broad incumbents

• HighRadius: HighRadius is a global leader in autonomous finance for order-to-cash and treasury, offering AI-powered AR, collections, deductions, and cash application. It competes with Payt at the upper end of the European mid-market and enterprise segments with a much broader product portfolio.
• Bottomline Technologies: Bottomline is a US-listed provider of business payments, cash management, and AR automation solutions including Paymode-X and cashflow360. It competes with Payt at the enterprise AR/payments intersection with broader financial operations coverage.
• Quadient (YayPay): Quadient acquired YayPay to add AR automation to its customer experience management portfolio. The combined offering competes with Payt in mid-market AR automation, particularly in North America and parts of Europe.

Regional players

• Versapay: Versapay is a North American AR automation and B2B payments network. While primarily serving the US and Canada, its collaborative AR and collections platform competes head-to-head with Payt's automation thesis and may expand into Europe over time.

Emerging players

• InDebted: InDebted is an Australia-headquartered digital-first debt collection platform operating across multiple markets including Europe and the UK. It competes with Payt in modernizing collections through AI-driven digital communications and consumer self-service.
• Cashforce: Cashforce is a Belgium-based cash flow forecasting and working capital management platform. While more focused on forecasting than collections, it competes with Payt in the European finance ops tooling space for mid-market treasury and AR teams.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/PaytNL
• Facebookfacebook.com/PaytNL
• LinkedInlinkedin.com/company/payt-bv

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payt