Credit Clear
Credit Clear is an Australia-listed digital receivables management and payments platform serving 1,000+ corporate clients in financial services, utilities, telecom, and government, processing direct digital payments and managing 3.0M active debt files with international expansion underway.
- Company typePublic
- Founded2021
- HeadquartersSouthbank, Australia
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Credit Clear does
Credit Clear (ASX: CCR) is an Australia-headquartered, publicly listed digital receivables management and payments provider serving more than 1,000 corporate clients across financial services, utilities, telecommunications, and government sectors. The company operates a SaaS-style platform that ingests receivables from creditor systems, engages debtors through branded digital payment portals, and processes direct digital payments — handling $140M of digital collection payments in FY25 and $84.4M in H1 FY26. Its 3.0M active debt files and +44 NPS indicate scale and client satisfaction, while legacy debt-buying exposure stems from the foundational 2021 ARMA Group Holdings acquisition.
The business model combines platform fees on collections processed, success-based recovery economics on legacy debt purchases, and managed-services revenue from enterprise integrations. Underlying EBITDA margins were 16% in FY25 ($7.4M EBITDA on $46.9M revenue) and 14% in H1 FY26, with FY26 revenue guided to $57–59M. Recent inorganic moves — the ARC Europe Ltd acquisition (Oct 2025), the DTS acquisition (Dec 2025), and the iSON Xperiences partnership via Techub covering 18 countries (June 2026) — extend the company from a domestic Australian platform into a multi-region receivables and BPO operator. An ANZ $6M loan facility (Feb 2026) and $20.9M cash position provide capital for further expansion, while the ACCC regulatory action noted in the input represents an ongoing compliance and reputational risk that could affect both domestic growth and international positioning.
Credit Clear firmographics
Firmographics- Name
- Credit Clear
- Legal name
- Credit Clear Limited
- Website
- https://creditclear.com.au
- Company type
- Public
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Credit Clear is an Australia-listed digital receivables management and payments platform serving 1,000+ corporate clients in financial services, utilities, telecom, and government, processing direct digital payments and managing 3.0M active debt files with international expansion underway.
- Ownership category
- akta.pro rank
Credit Clear industry classification
Industry- Product category
- Receivables Management Software
- NAICS
- Collection Agencies (56144), Collection Agencies (561440), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
- akta.pro secondary industry
- A2A Collections & Direct Account Funding (FSAMAFAH)
Keywords
Where Credit Clear is headquartered
LocationHeadquarters
- HQ city
- Southbank
- HQ country
- Australia
- HQ region
- Oceania
Offices7 records
Markets served
Credit Clear business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Digital Collections SaaS: Subscription and transaction-based SaaS revenue from digital collections platform. Revenue from software licensing, digital engagement fees, and transaction fees on payments processed through the platform. Digital collection payments grew 20% to $140 million.
- Traditional Collections Services: Contingent debt recovery services through ARMA Group, including traditional agency collections, outsourced accounts receivable, and litigation services. Revenue recognized as a percentage of amounts recovered.
- Commission Revenue: Ongoing commissions from Techub partnership for platform deployment across multi-billion dollar debt portfolios. Revenue split equally for new direct Techub clients onboarded.
- Insurance Sector Revenue: Digital platform deployment and hybrid collections services for insurance sector clients including third-party motor claims recovery and at-fault claim processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Multi-year contract | Enterprise B2B engagement with customized pricing |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Credit Clear product offering
Product offeringCore offering
Credit Clear provides an AI-driven customer intelligence and re-payments platform delivered as cloud-based SaaS on Microsoft Azure, enabling enterprise clients to manage end-to-end accounts receivable through digital collections, automated workflows, behavioral analytics and multi-channel payments. The offering combines the core Credit Clear Platform with traditional debt collection services (ARMA Group, ARC Europe), digital communications and self-service tools (DTS — i-tiva, SMSPay, WebPay), and legal services (Oakbridge Lawyers, Force Legal) for full lifecycle receivables management.
Product overview
Credit Clear operates as a comprehensive full lifecycle receivables partner combining digital SaaS technology with traditional collections (ARMA Group) and legal services (Oakbridge Lawyers, Force Legal). The core Credit Clear Platform serves as the central AI-driven accounts receivable management system, enhanced by the Credit Clear Intelligence module for behavioral analytics and propensity-to-pay modeling. The AI Workflow Engine powers adaptive automation across customer engagement. The company has expanded through strategic acquisitions: ARMA Group Holdings (Australasian debt collection, acquired 2021), ARC Europe Ltd (UK debt collection, acquired 2025), and Digital Tech Solutions (DTS - global SaaS digital collections, acquired 2025). DTS brings additional capabilities including i-tiva for library communications, SMSPay, and WebPay payment channels. The platform integrates multiple payment methods (Apple Pay, PayPal, Visa, Mastercard, BPAY, Bank Transfers) and communication channels (WhatsApp, SMS, email, automated voice/IVR).
Differentiator
Problem solved
Functional benefit
Brands
- Digital Tech Solutions (DTS): Global SaaS business providing tailored digital debt collection and management solutions, including billing and collections technology, i-tiva system for libraries, and automated payment communications across web, voice, SMS and mobile channels.
Products and services
- Credit Clear Platform AI-driven customer intelligence and re-payments SaaS platform hosted on Microsoft Azure for enterprise accounts receivable management; combines behavioral analytics, AI workflow engine, multi-channel payments (Apple Pay, PayPal, Visa, Mastercard, BPAY, QR codes, WhatsApp) and white-label deployment for clients in utilities, insurance, banking, telecommunications and government.
- DTS Billing and Collections Technology (Digital Tech Solutions) SaaS digital debt collection and management platform acquired from DTS, providing PCI DSS Level 1 accredited self-service digital payments and personalized multichannel communication options including IVR, SMS, web and mobile channels; serves enterprise clients such as HSBC, Vodafone, Virgin Media O2 and Energy Australia.
- Oakbridge Lawyers Legal Services Legal services arm of Credit Clear Limited providing litigation support and legal recovery services across the receivables lifecycle, sold as part of the company's full lifecycle receivables offering to enterprise clients.
- Force Legal Pty Ltd Legal Services Legal services arm of Credit Clear Limited providing litigation and legal recovery services to enterprise clients as part of the integrated full-lifecycle receivables offering.
- ARMA Group Holdings Collections Services Contingent debt recovery, outsourced accounts receivable and litigation services across Australia and New Zealand with over 400 active clients including Suncorp Group and NSW Government Departments; provides the traditional collections backbone of Credit Clear's full lifecycle receivables model.
- ARC Europe Ltd Collections Services UK-based debt collection agency offering recovery services across financial services, health and leisure, insurance and utility sectors; acquired by Credit Clear to extend the full-lifecycle receivables model into European markets and enable cross-selling of the digital collections platform onto an established client base.
Quantifiable outcome
- 7x average return on investment realized by clients
- +9 more outcomes
Companies that use Credit Clear
Customer profileNamed customers17 records
Segments5 records
Ideal customer profiles3 records
Credit Clear technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability9 records
Feature8 records
Credit Clear partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- iSON XperiencesminorAfrica's largest BPO service provider that made a strategic equity investment in Techub's holding company CSS Group. This investment opens significant new markets across 18 countries including multiple African nations, India and the United Arab Emirates, providing Techub-Credit Clear partnership with direct and immediate entry into these new markets.
- Digital Tech Solutions (DTS)coreAcquisition completed December 2025 for A$7.75 million. DTS is a SaaS business with tailored digital debt collection and management solutions, founded in New Zealand in 1986. Operations across UK, Australia, New Zealand, USA, and Canada. DTS automated voice capabilities combined with Credit Clear's AI intelligence and adaptive workflows significantly enhances the Company's digital offering. DTS has generated FY26 YTD annualised revenue of $10 million and EBITDA of $1.2 million. Expected to be earnings accretive in year one.
- ARC Europe LtdcoreBinding agreement to purchase ARC Europe Ltd for A$10.9 million, UK-based debt collection agency established in 2001. Operations across financial services, health and leisure, insurance, and utility sectors. Acquisition strengthens Credit Clear's expansion into European markets. Expected to be earnings accretive in first year with opportunity to overlay digital solution and drive operating leverage, client growth and up-sell via digital collections offering.
- ARMA Group HoldingscoreAcquisition completed in December 2021 for $46 million (60% cash, 40% scrip). Australasian debt collection company providing contingent debt recovery solutions, outsourced accounts receivables and litigation services. Added more than 400 active clients and increased revenue 140% to $26.5 million. ARMA co-founder Andrew Smith appointed as CEO. Success demonstrated by rapid client wins and integration, with $127,000 received in digital payments in first eight days of integration.
- TechubcorePartnership and teaming agreement signed in November 2021. Techub leverages Credit Clear's technology platform to digitize its offering, commencing with migration of its existing multi-billion dollar client portfolio. Credit Clear receives ongoing commissions on payments made across identified portfolios. New direct Techub clients onboarded result in equal revenue split. Deployment enables Credit Clear to scale internationally into South Africa, UK, and US markets.
Scale indicators16 records
Recent moves6 records
Expansion highlights6 records
Credit Clear competitors and assessment
Company assessmentDirect peers
- TrueAccord: US-based digital-first debt collection platform using machine learning and behavioral communications to recover consumer debt. Closely comparable to Credit Clear in its AI-driven, multi-channel, self-service collections model and enterprise B2B focus on regulated creditors.
- Versapay: North American accounts receivable automation and collaborative invoicing platform serving mid-market and enterprise B2B customers. Comparable to Credit Clear in providing AI-enhanced A/R workflows, payment processing, and cash conversion optimization for finance teams.
- ezyCollect: Australian cloud-based accounts receivable and debt collection software targeting small and mid-sized businesses. Closely comparable as a homegrown Australian competitor offering automated debtor reminders, multi-channel communications, and payment plans in the same market.
- Yaylo: Australian digital debt management and hardship platform serving banks, utilities, and telecoms. Directly comparable in customer base, digital collections focus, and Australian regulatory context, competing for the same Tier 1 regulated-industry accounts.
- CollectAI: European AI-powered digital debt collection platform owned by the EOS Group. Comparable in using machine learning to optimize collection timing, channel, and messaging for enterprise creditors across utilities, financial services, and telecoms.
Broad incumbents
- HighRadius: Large-scale AI-powered order-to-cash and treasury automation platform serving global enterprises. Comparable in its AI-driven A/R, collections, and cash application modules, but operates at much larger scale across broader finance automation workflows.
- Intrum: Europe's largest credit management services group providing debt collection, purchasing, and A/R services across multiple markets. Comparable as a full-lifecycle receivables provider, but operates predominantly with a traditional, human-led model rather than a digital-first SaaS approach.
- PRA Group: Global leader in acquiring and collecting nonperforming loans. Comparable in the receivables management space, but PRA's primary business is debt buying rather than providing software to other creditors as Credit Clear does.
- Billtrust (a Flywire company): US-based B2B accounts receivable automation and digital payments platform. Comparable in providing invoice-to-cash workflows, electronic invoicing, and integrated payment channels, with broader end-to-end order-to-cash scope than Credit Clear's narrower collections focus.
Regional players
- Recoveries Corporation: Australian specialist debt recovery and litigation firm. Comparable as a domestic debt collection services peer, with a more traditional legal-led model rather than the digital SaaS platform that distinguishes Credit Clear.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Credit Clear social profiles
Digital presenceCredit Clear compliance and trust
Trust signalCompliance2 records
Credit Clear financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Clear leadership team
Management profileNumber of profiles
Profiles11 records
Credit Clear subsidiaries and ownership
Company hierarchySubsidiaries5 records
Credit Clear funding detail
Funding detailFunding overview
Funding rounds1 record
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Clear M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Clear
What does Credit Clear do?
Credit Clear provides an AI-driven customer intelligence and re-payments platform delivered as cloud-based SaaS on Microsoft Azure, enabling enterprise clients to manage end-to-end accounts receivable through digital collections, automated workflows, behavioral analytics and multi-channel payments. The offering combines the core Credit Clear Platform with traditional debt collection services (ARMA Group, ARC Europe), digital communications and self-service tools (DTS — i-tiva, SMSPay, WebPay), and legal services (Oakbridge Lawyers, Force Legal) for full lifecycle receivables management.
Is Credit Clear a public or private company?
Credit Clear is a public company. It is classified as public and is currently operating.
When was Credit Clear founded?
Credit Clear was founded in 2021. It employs 101 to 250 people.
Where is Credit Clear based?
Credit Clear is headquartered in Southbank, Australia, in the Oceania region.
How does Credit Clear make money?
Four revenue lines are on record. Digital Collections SaaS are the primary driver. The others are traditional Collections Services, commission Revenue and insurance Sector Revenue.
Who are Credit Clear's main competitors?
Direct peers on record are TrueAccord, Versapay, ezyCollect, Yaylo and CollectAI. Broad incumbents are HighRadius, Intrum, PRA Group and Billtrust (a Flywire company). Recoveries Corporation is listed as a regional player.
Does Credit Clear have an API?
Yes. Credit Clear offers an API for client login and integration purposes. The API enables developers to build integrations with Credit Clear's platform for data exchange and workflow automation. Documentation is available via the API Documentation link in the site navigation.
What industry is Credit Clear in?
Credit Clear's product category is Receivables Management Software. Its primary akta.pro industry code is FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR), with a secondary code of FSAMAFAH, A2A Collections & Direct Account Funding. Its NAICS code is 56144 and its SIC code is 7320.