Invisible Collector
Invisible Collector is an end-to-end debt collection platform built by Portuguese vendor Invisible Cloud. It uses machine learning to read debtor behaviour, then automates reminders, negotiation and settlement across email, SMS, voice and registered mail.
What is Invisible Collector?
Invisible Collector is a software-as-a-service platform for commercial debt recovery, published by Invisible Cloud, a company registered in Porto, Portugal since December 2015. Its stated premise is "Artificial Intelligence at the service of debt": rather than selling a collections agency, it sells the machinery that lets an in-house team recover more with less manual effort.
The product describes itself as a complete end-to-end debt collection platform, applying AI and machine learning to reduce the manual work of managing debt files and communicating with debtors. Six blocks make up the offer. Insights provides dashboards, financial projections and days-sales-outstanding tracking. Cash collection replaces manual chasing with scheduled, customised reminders, a centralised workspace and advanced segmentation. Digital Payments shows debtors their outstanding invoices and offers immediate settlement through Stripe, PayPal, Alipay and Multibanco. Multi-Channel communication sends email, SMS, voice messages or registered mail and keeps a single communication history. Negotiations opens a 24/7 debtor portal where balances can be verified, settlements proposed and disputes resolved, with expected payment dates and automatic reconciliation. Machine Learning identifies behavioural patterns among debtors to predict payment and expose payer trends.
Onboarding follows four stages: Subscribe, with online sign-up and automatic company verification; Sync, where the vendor works either on top of the customer's existing infrastructure or as an external partner; Collect, where the tool assists agents at each step; and Reconcile, where strategies are customised and decisions taken with AI support. Day-to-day access is through a dedicated web portal, and an authenticated REST API exists with official Java, .NET and Ruby client libraries published by the vendor, though no API documentation appears on the website itself.
The homepage advertises a 30% increase in recovery rates, 40% higher ARP, five times less workforce and three times lower costs, none of them accompanied by methodology or scope. Commercially there is a single Enterprise plan at a "Custom" price, so every engagement starts with a sales conversation. The interface is offered in English and Portuguese.
What it does
- Analyse debt portfolios and assign the collection strategy through AI
- Automate personalised payment reminders on a schedule you define
- Reach debtors by email, SMS, voice message or registered mail from one workspace
- Give debtors a 24/7 portal to check balances, propose settlements and raise disputes
- Collect payments through Stripe, PayPal, Alipay and Multibanco
- Predict payment behaviour and surface payer trends with machine learning
- Track days sales outstanding, financial projections and recovery dashboards
When to use Invisible Collector / When not to
A quick filter to help you decide if Invisible Collector is the right fit.
When to use Invisible Collector
- Credit and collections teams handling high volumes of overdue invoices across multiple legal entities
- Utilities and telecom operators billing large recurring customer bases
- Banks, lenders and financial services firms managing arrears portfolios
- Finance departments trying to cut days sales outstanding without hiring more collectors
- Companies that want debtors to self-serve disputes and settlements through a 24/7 portal
When not to use Invisible Collector
- Freelancers and small businesses chasing a handful of invoices, since the only plan is enterprise-priced on quotation
- Buyers who need to compare prices before talking to sales, as no figure is published anywhere
- Teams wanting to trial software before committing, because neither a free trial nor a free plan is offered
- Organisations that require mobile apps, as the product is web-only
- Procurement teams demanding published hosting locations, a subprocessor list or a ready DPA before signing
How to use Invisible Collector
A typical end-to-end flow, from setup to results.
- Request a demonstration through the contact form on the homepage, since there is no self-service sign-up
- Discuss scope and pricing with the vendor, as the Enterprise plan is quoted case by case
- Complete the Subscribe stage, with online sign-up and automatic company verification and validation
- Run the Sync stage, integrating data and services either on top of your infrastructure or with the vendor acting as external partner
- Have the customised setup configured, which is included in the Enterprise plan rather than left to the customer
- Optionally connect your systems through the authenticated REST API using the Java, .NET or Ruby client library
- Load debt files and let the platform assign a collection strategy through AI
- Configure reminder schedules and the channels to use: email, SMS, voice or registered mail
- Let collectors work cases in the centralised workspace while debtors self-serve in the 24/7 portal
- Monitor recovery, DSO and payer trends in the dashboards and refine strategies at the Reconcile stage
Pros & Cons
Pros
- Covers the whole cycle in one tool: analysis, reminders, negotiation, payment and reconciliation
- The 24/7 debtor portal shifts routine queries away from collection agents
- Four outreach channels including registered mail, which is uncommon in this category
- An authenticated REST API with three officially maintained client libraries, updated as recently as 2026
- Deploys either on top of existing infrastructure or with the vendor acting as an external partner
- Vendor identity is fully published and verifiable: tax number, address and legal form check out against the Portuguese register
- GDPR compliance is claimed explicitly rather than left implicit
Cons
- No published price at all: a single Enterprise plan quoted as "Custom", so budgeting requires a sales call
- Neither a free trial nor a free plan is offered
- No terms and conditions anywhere, leaving data ownership and service commitments undefined
- The legal pages appear adapted from a Spanish template: they name the Spanish supervisory authority for a Portuguese company and use first-person singular wording
- Nothing is published about data hosting locations, subprocessors or the availability of a DPA
- Performance claims of 30%, 40%, 5x and 3x come with no methodology, scope or period, and testimonials name no company
- No API documentation on the site and no mobile app, with the entire site rendered in JavaScript and no robots.txt or sitemap
Pricing & Plans
Invisible Collector publishes no price. The site advertises a single Enterprise plan whose price is shown as "Custom" on a monthly frequency, with "Contact us" as the only call to action. There is no free plan and no free trial, and no entry-level or intermediate tier exists. Because no amount, currency or billing unit is stated anywhere on the site, none has been recorded here rather than inferring a figure the vendor does not publish. Prospective buyers should expect a quotation based on volume, entities and setup.
- Enterprise — price shown as "Custom"
- monthly frequency
- contact required. Includes management of unlimited debts per month across multiple entities
- SMS and VMS notifications
- AI-curated strategy assignment
- multiple users
- customised setup
Data, GDPR & hosting
A consolidated view of how Invisible Collector handles your data.
GDPR overview
GDPR compliance is claimed explicitly: Invisible Cloud states it guarantees compliance with Regulation (EU) 2016/679. The policy names the controller with its tax number and Porto address, gives consent as the sole legal basis, lists the rights of access, rectification, erasure, restriction, objection and portability, and routes requests to info@invisiblecollector.com with proof of identity. It also sets out minimisation, storage limitation, integrity and confidentiality principles. Two weaknesses stand out. The text names the Spanish Data Protection Agency as supervisory authority although the company is Portuguese, where the CNPD is competent, and parts are written in the first person singular; both point to an unedited template. No data protection officer, no Article 27 representative, no effective date and no version number are given.
Who owns the data?
The published documentation names Invisible Cloud (NIF PT513796487, Rua Alfredo Allen 455/461, Porto) as the data controller, and it covers the marketing website and its prospects rather than the collection platform itself. The company states it collects identification data, uses it only for the purpose it was given for, and applies security measures against unauthorised access. Users are made solely responsible for the accuracy of what they submit. Crucially, the site publishes no terms and conditions, so ownership of the debtor and invoice data loaded into the platform is never addressed. Anyone contracting should obtain that in writing, since nothing public settles it.
Reuse rights
There are no terms and conditions on the site, so nothing defines what a customer may do with data taken out of the platform, and no reuse, export or licensing rights are granted or withheld in writing. The privacy policy only governs personal data collected through the website: it is processed on the basis of consent, limited to identification data, and used to administer the relationship and send commercial communications, with unsubscribe available at any time. Google Analytics is the sole third-party analytics service disclosed. The company never states whether customer or debtor data feeds model training. In practice the reuse question has to be settled contractually with the vendor.
Data retention & training
Hosting summary
Invisible Collector publishes no information about where platform data is hosted. Neither a country nor a region is named anywhere on the site, and no subprocessor list or hosting commitment is offered. The only infrastructure statement in the privacy policy concerns Google Analytics, whose cookie data about website visitors is transmitted to and stored by Google on servers in the United States; that covers the marketing website, not the collection platform, and should not be read as a hosting declaration. For context, the vendor is established in Portugal and the marketing site itself resolves to an address in France, but neither fact tells you where customer or debtor records are held. Anyone with a GDPR record-keeping or data residency requirement should ask the vendor directly and obtain the answer in writing.
Things to keep in mind
Risks and trade-offs to weigh before adopting Invisible Collector.
- Debt collection touches people in financial distress; automating outreach at scale can turn pressure impersonal and relentless unless cadence and tone are governed deliberately
- Machine learning that profiles debtor behaviour can encode bias, so scores that drive strategy assignment should be reviewed rather than trusted blindly
- With no terms and conditions published, ownership and permitted reuse of the debtor and invoice data you upload is undefined and must be settled contractually
- The site publishes nothing about hosting locations, subprocessors or a data processing agreement, which is a gap for anyone with a GDPR record-keeping obligation
- The privacy policy names the Spanish supervisory authority although the vendor is Portuguese, and reads in places as an unedited template, so treat it as weak documentation
- Advertised gains of 30% recovery, 40% ARP, 5x less workforce and 3x lower costs carry no methodology or scope and should not anchor a business case
- Leaning on automated reminders can erode the human judgement of collection teams, who may stop reading cases that deserve an exception
Setup & Integrations
Technical difficulty
Moderate, and mostly handled for you. Onboarding runs through four stages, with online sign-up and automatic company verification, then a Sync phase that integrates data and services either on top of your existing infrastructure or with the vendor as external partner. Customised setup is explicitly part of the Enterprise plan, so configuration is guided rather than self-service. Deeper integration is available through an authenticated REST API with Java, .NET and Ruby libraries, which needs developer time. The main constraint is not difficulty but dependency: with no API documentation on the site, implementation runs through the vendor.
Deployment
Integrations
Supported languages
Behind Invisible Collector
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What is Invisible Collector?
How much does Invisible Collector cost?
Is there a free trial or a free plan?
Which channels can it use to contact debtors?
How can debtors pay?
Does Invisible Collector offer an API?
How do you get started?
Is it GDPR compliant?
Is there a mobile app?
What languages does it support?
Should you pick Invisible Collector?
Invisible Collector is a focused product rather than a general assistant, and that focus is its strength. It addresses one process, commercial debt recovery, and covers it from portfolio analysis through reminders, negotiation and settlement to reconciliation. The AI is functional rather than decorative: strategy assignment, payment prediction and template generation are the mechanisms, not the marketing. The debtor portal is the smartest part of the design, because it moves routine balance checks and settlement proposals away from collection agents and onto the debtor's own time. The technical foundations are credible too, with a live authenticated API and three client libraries the vendor still maintains, plus a deployment model that can sit on top of existing infrastructure.
The reservations are about transparency rather than capability. There is no published price, no trial, and no terms and conditions at all, which leaves the ownership of the data you load into the platform undefined in public. Nothing is said about where data is hosted, which subprocessors are involved, or whether a data processing agreement is available. The headline gains of 30% higher recovery and five times less workforce arrive without methodology or period, and the testimonials name no companies. The legal pages carry visible traces of a Spanish template, naming the wrong supervisory authority for a Portuguese company.
For an organisation carrying serious volumes of overdue invoices, especially in utilities, telecoms or financial services, this is worth a conversation. Go into that conversation with a written list of questions about pricing, hosting, data ownership and the evidence behind the performance figures, because the website answers none of them.
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