Rubypayeur
Rubypayeur is a Paris-based online debt collection platform serving French B2B and B2C businesses with amicable, judicial, and forced recovery services, AI/ML credit scoring, an ethical-payer label program, and a 29M-company directory, monetized via a €49/month subscription and success-based commissions.
- Company typePrivate
- Founded2016
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Rubypayeur does
Rubypayeur is a Paris-based digital debt collection firm operating an online platform for B2B and B2C receivables recovery, founded circa 2016 and reporting more than 10,000 businesses served over eight years. The platform is structured around four interlocking pillars: Recouvrement (a three-phase recovery service covering amicable negotiation with a B2B community signaling dimension, judicial injonction de payer, and forced bank-attachment seizure), Notation (AI/ML-driven credit scoring of 18,663,156 French companies), Label (an ethical-payer certification branded Rubyprotect with 15 invoice-logo variants), and Annuaire (a directory of 29,642,908 French companies and 13,031,496 executives backed by 1,118,057,577 data points refreshed daily from INSEE, BODACC, INFOGREFFE, INPI, and DGCCRF).
The platform is operated as a regulated cabinet de recouvrement under articles R 124-1 to R 124-7 of the French Code of Civil Enforcement Procedures, with mandatory activity declaration to the Procureur de la République of the Paris Tribunal de Grande Instance and MMA professional liability insurance. Rubypayeur monetizes through a freemium subscription (€49 HT/month) and success-based recovery commissions (10% amicable for non-subscribers, 8% for subscribers; fixed fees of €199/€169 judicial and €299/€269 forced), plus add-on services (€99-€119 home visits, expert consultations, etc.) and enterprise API credit packs. Distribution is primarily self-serve through rubypayeur.com with 30+ native integrations across accounting (Sage, Pennylane, QuickBooks, Xero, Odoo), CRM (HubSpot, Zoho), ERP (Dynamics 365, Sellsy), and payments (Stripe, Qonto, Chargebee, Libeo), supplemented by dedicated account managers for enterprise clients. Cumulative disclosed funding totals approximately $1.56M across a 2020 Cameleon Invest-led seed and a 2022 Libeo strategic round.
Rubypayeur firmographics
Firmographics- Name
- Rubypayeur
- Legal name
- Rubypayeur
- Website
- https://rubypayeur.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Rubypayeur is a Paris-based online debt collection platform serving French B2B and B2C businesses with amicable, judicial, and forced recovery services, AI/ML credit scoring, an ethical-payer label program, and a 29M-company directory, monetized via a €49/month subscription and success-based commissions.
- Ownership category
- akta.pro rank
Rubypayeur industry classification
Industry- Product category
- Online Debt Collection Services
- 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
- Third-Party Collection Agencies (Consumer) (FSAKAJAB)
- akta.pro secondary industries
- Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where Rubypayeur is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Rubypayeur business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Success-based Commission (Recouvrement): Primary revenue stream from debt recovery services. Commission is charged only on successfully recovered amounts across all recovery phases (amicable, judicial, forced). For non-subscribers: 10% on amicable recovery, fixed fees for judicial (199€) and forced (299€) recovery. Subscribers receive reduced rates (8% amicable, 169€ judicial, 269€ forced).
- Subscription Revenue: Monthly subscription at 49€ HT/month providing unlimited access to credit scoring, directory searches, company monitoring with alerts, data exports, and preferential rates on all recovery services. No commitment required.
- Credit Scoring Access: Credit score access for 18+ million businesses included in subscription. Enterprise clients can purchase API credits for data exploitation through API or Zapier integrations.
- Additional Recovery Services: Fees for additional procedures including domiciliary visits (99-119€), new seizure attempts (109-129€), collective procedure assignments (269-299€), debt declarations (129€), court clerk requests (199€), opposition to business sales (199€), and expert consultations (199€).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free tier without subscription |
| Subscription | Monthly | Premium subscription at 49€/month |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Rubypayeur product offering
Product offeringCore offering
Rubypayeur is an online debt collection agency offering B2B and B2C invoice recovery through amicable, judicial (injonction de payer), and forced (saisie-attribution) phases, paired with an AI/ML-powered predictive credit scoring service over 18+ million French companies. The platform bundles a comprehensive company directory and monitoring tool with subscription-based access, plus a Label/Rubyprotect certification program for ethical payment practices, deliverable through self-serve web, REST APIs, and 30+ software integrations.
Product overview
Rubypayeur is an online debt collection company offering a unified platform of interconnected services for B2B and B2C debt recovery. The core product portfolio consists of four main pillars: (1) Recouvrement - the main debt collection service with three phases (amicable, judicial, forced); (2) Notation - AI-powered predictive credit scoring using ML algorithms; (3) Label - ethical payment practice certification with Rubyprotect invoice protection; and (4) Annuaire - comprehensive French company directory with 29M+ companies. These services are supported by API products (API Data, API Recouvrement) and a Chrome extension. The platform operates on a subscription model (49 EUR/month) with success-based commission for collection services.
Differentiator
Problem solved
Functional benefit
Brands
- Rubyprotect: A label program for companies committed to respecting payment deadlines, offering tariff reductions and unlimited access to credit ratings.
Products and services
- Recouvrement (Debt Collection Service) Online debt collection service covering B2B and B2C invoices across three phases — amicable, judicial (court order), and forced (bank-attribution seizure) — with success-based pricing of 8-10% commission on recovered amounts for SMBs through mid-market and enterprise clients in France.
- Notation (Predictive Company Credit Scoring) AI/ML-powered predictive credit scoring service that rates 18,663,156 French companies using payment practices, legal events, and financial indicators to flag payment default risk and anticipate partner business failures for credit, procurement, and AR teams.
- Label (Ethical Payment Practice Certification / Rubyprotect) Certification program with an ethics charter on payment practices that grants subscriber businesses the Rubyprotect invoice-protection logo in 15 versions, tariff reductions of 20-30% on Rubypayeur services, and unlimited access to credit ratings for use on customer-facing invoices.
- Annuaire (French Company Directory) Subscription-access directory of 29,642,908 French companies and 13,031,496 executives, offering real-time monitoring with unlimited email alerts, payment incident reporting, and unlimited downloads of legal, financial, and business extracts.
- API Data REST API that exposes Rubypayeur's 1+ billion company data points updated daily, sold via credit packs and accessible through native Zapier integration with 7,000+ downstream apps, targeting enterprise users building automated risk and monitoring workflows.
- API Recouvrement REST API allowing partners and enterprise customers to programmatically initiate and manage debt collection workflows (amicable, judicial, forced) directly from their own systems, available to subscribers.
Quantifiable outcome
- 84% amicable recovery success rate in 39 days for TPE
- +3 more outcomes
Companies that use Rubypayeur
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles3 records
Rubypayeur technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration29 records
AI capability2 records
Feature5 records
Rubypayeur partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- QuickBookscoreIntegration with QuickBooks accounting software allowing users to connect billing data and initiate recovery processes directly from their accounting dashboard.
- SellsycoreIntegration with Sellsy CRM and billing platform enabling seamless data exchange for invoice recovery and credit assessment services.
- SagecoreIntegration with Sage accounting software allowing Rubypayeur services to be accessed within the Sage ecosystem for connected billing and recovery workflows.
- PennylanecoreIntegration with Pennylane accounting platform enabling automated credit checks and recovery initiation from the Pennylane interface.
- StripecoreIntegration with Stripe payment platform allowing users to connect payment data and initiate recovery processes for failed transactions.
- OdoocoreIntegration with Odoo ERP suite enabling Rubypayeur services to be accessed within the Odoo ecosystem for connected business management.
- HubSpotcoreIntegration with HubSpot CRM allowing sales and finance teams to access credit scoring and recovery tools within their CRM workflow.
- ZohocoreIntegration with Zoho business suite enabling connected workflows between Zoho applications and Rubypayeur credit/recovery services.
- XerocoreIntegration with Xero accounting software for international businesses to access Rubypayeur services within their accounting workflows.
- QontocoreIntegration with Qonto business banking platform enabling bank-connected credit assessment and recovery services.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Rubypayeur competitors and assessment
Company assessmentDirect peers
- Altares (Ellisphere): French business data and credit information provider offering company scoring, financial data, and risk analytics. Directly comparable to Rubypayeur's Notation and Annuaire products, with deeper enterprise penetration and longer history in the French market.
- Creditsafe: Global business credit bureau providing company reports, scoring, and monitoring on millions of companies. Comparable to Rubypayeur's predictive scoring and directory services, with a more international footprint.
- Agami: French online debt collection platform offering self-service recovery for SMBs with a similar value proposition to Rubypayeur. Direct competitor in the French PLG debt collection category.
- Recouvral: French online debt collection specialist focused on amicable recovery for small businesses. Directly comparable to Rubypayeur's Recouvrement product for French TPE/PME customers.
Broad incumbents
- Intrum: Pan-European debt collection and credit management services incumbent with full amicable, judicial, and forced recovery capabilities. Comparable to Rubypayeur's recovery service, but operating at much larger scale with traditional enterprise-led GTM.
- Coface: French-headquartered global trade credit insurer and business information provider. Comparable to Rubypayeur's credit risk data and scoring products, with established insurance and receivables management extensions.
- Dun & Bradstreet: Global leader in business credit data, analytics, and scoring. Comparable to Rubypayeur's predictive scoring and directory offerings, with vastly larger global data coverage but less focus on the French SMB self-service debt collection niche.
- EOS Group: Major European debt collection services group operating across amicable and judicial phases. Comparable to Rubypayeur's core recovery product line, with broader European geographic footprint and traditional B2B-led GTM.
Emerging players
- Billtrust: US-focused order-to-cash and B2B accounts receivable automation platform. Comparable to Rubypayeur's billing-software integration strategy and AR-management value proposition, with a different geographic and customer scale.
Others
- Qonto: French SMB-focused neobank integrated with Rubypayeur. Comparable as an ecosystem partner rather than direct competitor; reflects the platform-ecosystem context Rubypayeur operates within for French SMB financial services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Rubypayeur social profiles
Digital presenceRubypayeur compliance and trust
Trust signalCompliance2 records
Rubypayeur financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rubypayeur leadership team
Management profileNumber of profiles
Profiles1 record
Rubypayeur funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rubypayeur M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Rubypayeur
What does Rubypayeur do?
Rubypayeur is an online debt collection agency offering B2B and B2C invoice recovery through amicable, judicial (injonction de payer), and forced (saisie-attribution) phases, paired with an AI/ML-powered predictive credit scoring service over 18+ million French companies. The platform bundles a comprehensive company directory and monitoring tool with subscription-based access, plus a Label/Rubyprotect certification program for ethical payment practices, deliverable through self-serve web, REST APIs, and 30+ software integrations.
Is Rubypayeur a public or private company?
Rubypayeur is a private company. It is classified as venture growth investor backed and is currently operating.
When was Rubypayeur founded?
Rubypayeur was founded in 2016. It employs 1 to 10 people.
Where is Rubypayeur based?
Rubypayeur is headquartered in Paris, France, in the Europe region.
How does Rubypayeur make money?
Four revenue lines are on record. Success-based Commission (Recouvrement) is the primary driver. The others are subscription Revenue, credit Scoring Access and additional Recovery Services.
Who are Rubypayeur's main competitors?
Direct peers on record are Altares (Ellisphere), Creditsafe, Agami and Recouvral. Broad incumbents are Intrum, Coface, Dun & Bradstreet and EOS Group. Billtrust is listed as an emerging player. Qonto is listed as an others.
Does Rubypayeur have an API?
Yes. Rubypayeur offers two APIs: (1) API Data - allows access to over 1 billion company data points updated in real-time, with credit packs available for purchase; (2) API Recouvrement - enables integration for debt collection workflows. Both APIs are available to subscribers and can be accessed via Zapier (with 7000+ integrations available). Developer documentation is at rubypayeur.com/guide/api-data.
What industry is Rubypayeur in?
Rubypayeur's product category is Online Debt Collection Services. Its primary akta.pro industry code is FSAKAJAB, Third-Party Collection Agencies (Consumer), with a secondary code of FSAKAKAI, Credit File Dispute Management & Consumer Data Remediation. Its NAICS code is 56144 and its SIC code is 7320.