collect.AI
collect.AI is a German enterprise SaaS platform that automates accounts receivable management: AI assistants pick the right channel and moment, predict payment likelihood, sort incoming replies and collect through white-label pages, with a REST API and SAP connectivity.
What is collect.AI?
collect.AI is a business-to-business SaaS platform for accounts receivable management, published by collect Artificial Intelligence GmbH in Hamburg. Its purpose is narrow and clearly stated: take the invoices a company is waiting to be paid, and run the whole pre-litigation journey — reminders, conversation, payment — automatically, so that collection rates rise while process costs and days sales outstanding fall.
The platform is organised around four AI components. Smart Intent Recognition reads inbound customer messages, whatever their tone or wording, and routes them to the right team. Payment Probability forecasts whether a receivable will be settled and when, and revises the forecast as new data arrives, which feeds liquidity planning. Smart Communication decides the channel and the moment for each contact, choosing between email, SMS, WhatsApp and a printed letter carrying a QR code. Workflow Insights adds the analytical layer, surfacing key figures and weak points in the dunning process.
Around them sit the operational modules. A drag-and-drop workflow builder lets business teams create and edit reminder scenarios themselves, with no programming. A white-label layer keeps the client's own brand on landing pages, texts and design, and supports instalment plans and language selection for the end debtor. Payment methods include SEPA, cards, PayPal and instant bank transfer, and can be adjusted dynamically according to payment behaviour. Data Enrichment AI repairs the stale master data that quietly ruins collection rates, and Select & Pay lets e-commerce shoppers pay only for the items they keep.
Integration is a first-class subject rather than an afterthought: a real-time REST API, documented publicly with webhooks and a changelog; managed enterprise connectors for ERP and CRM systems, including a bidirectional SAP connector built on SAP FI-CA with the SAP specialist DSC; and custom or file-based ETL routes for legacy systems.
The vendor claims eight years of AI learning, more than EUR 20 billion of receivables processed, over 50 customers and 260 million analysed processes, with a team of 34. Founded inside the Otto Group in 2016, it has belonged to the Aareal Bank Group since 2022.
What it does
- Automate multi-channel dunning across email, SMS, WhatsApp and letters carrying a QR code
- Choose the best channel and moment for each debtor through the Smart Communication assistant
- Predict whether and when an invoice will be paid with the Payment Probability assistant
- Classify and route inbound customer replies automatically with Smart Intent Recognition
- Collect payment on white-label landing pages offering SEPA, card, PayPal and instant transfer
- Build and change dunning workflows without code in a drag-and-drop workflow builder
- Refresh and enrich outdated debtor contact and payment data with Data Enrichment AI
When to use collect.AI / When not to
A quick filter to help you decide if collect.AI is the right fit.
When to use collect.AI
- Large organisations handling tens of thousands of small, recurring receivables every month
- Utilities, insurers, banks and telecom operators, the four sectors the vendor documents in dedicated pages
- Finance and IT teams already running SAP FI-CA, Powercloud, Salesforce or Legalsense, for which standard connectors exist
- Credit and collections teams that want to change their own dunning scenarios without waiting for developers
- Companies that refuse to hand their brand over to a third party during collection and need white-label payment pages
When not to use collect.AI
- Small businesses and freelancers: there is no self-service sign-up, no published price and no free trial
- Anyone needing a mobile app; none exists on either the Apple or the Google store
- Teams looking for a debt collection agency or litigation service rather than pre-litigation dunning software
- Buyers outside the German-speaking market, since the interface, payment methods and letter formats are built around it
- Procurement teams that must read contractual terms before a sales call, as no public terms and conditions are published
How to use collect.AI
A typical end-to-end flow, from setup to results.
- Request an Enterprise Live Demo through the Talk to Expert form; there is no self-service sign-up
- Meet a consultant and a solution architect, who scope the volumes, sectors and systems involved
- Pick an integration route: direct REST API, a managed enterprise connector, or a custom or ETL build
- Let the onboarding team connect the source system — SAP FI-CA, Powercloud, Salesforce or Legalsense have standard connectors
- Map receivables and payment data into the platform, in real time via the API or by file transfer
- Design the dunning journey in the workflow builder, adding reminders, fees and escalation steps
- Brand the landing pages, texts and payment options with the white-label module
- Enable the assistants that fit the use case: channel selection, payment forecasting, message routing
- Run the campaigns and monitor results in Workflow Insights, adjusting workflows in self-service
- Use support.collect.ai for tickets and status.collect.ai to check service availability
Pros & Cons
Pros
- Covers the whole receivables journey — communication, payment, analytics and data quality — in one platform
- Three documented integration routes, including a public REST API with open documentation and webhooks
- Bidirectional SAP FI-CA connector co-developed with an SAP specialist, and usable after an S/4HANA migration
- Business teams keep control: workflows and branding are edited in self-service, without developers
- Backed by the Aareal Bank Group since 2022, with the compliance expectations that come with a banking owner
- Named customer logos on the homepage, including Otto, Generali, R+V, Esprit, Acer, eprimo and N-ERGIE
- Detailed security page and public service status and ticketing subdomains
Cons
- No published price, no plan and no free trial: budgeting is impossible before a sales conversation
- No public terms and conditions at all, an absence confirmed by both the sitemap and direct path probing
- The security page contradicts itself on ISO 27001, announcing a certification in preparation and a certificate in the same breath, with no number or certifying body
- The SOC 2, ISO 27001, PCI Level 1 and FISMA credentials quoted belong to AWS, the hosting provider, not to the vendor
- Hosting is named as AWS but no country or region is disclosed anywhere
- No customer data processing agreement and no subprocessor list are published, and no opt-out from model training is documented
- No mobile application, and the privacy policy dates from December 2023 and covers only the marketing site
Pricing & Plans
collect.AI publishes no price. There is no pricing page — the paths /en/pricing, /preise and /en/prices all return the site's genuine 404, and none of the 54 URLs in the sitemap points to one — and no terms and conditions exist against which a figure could be checked. No free plan and no free trial are mentioned. The product is sold under contract, entered through a Talk to Expert request, and the homepage value calculator asks for monthly case volume, average claim amount, digital contact ratio and headcount, which indicates pricing scaled to volume and sector.
Data, GDPR & hosting
A consolidated view of how collect.AI handles your data.
GDPR overview
GDPR is addressed explicitly and in detail for the website. The privacy policy, dated December 2023, cites Article 6(1)(a), (b) and (f) as legal bases, lists the rights of access, rectification, erasure, restriction, objection and withdrawal of consent, and names the Hamburg supervisory authority for complaints. Transfers outside the EEA are covered by the European Commission's standard contractual clauses, with Articles 44 to 49 cited. An external data protection officer is appointed. The vendor states it works in compliance with the GDPR across all departments and that its platform has been audited by TÜV on data protection since 2019. No Article 27 representative is named, which is consistent with an EU-established controller. What is missing is any GDPR documentation for the platform itself: no customer DPA, no subprocessor list, no retention periods.
Who owns the data?
The published privacy policy covers the marketing website only, and it names collect Artificial Intelligence GmbH in Hamburg as the controller, with an external data protection officer, Dr. Frank Eickmeier of ePrivacy GmbH, reachable at datenschutz@collect.ai. Nothing on the public site states who owns the receivables data loaded into the platform, or on what contractual terms it is processed, and no data processing agreement or subprocessor list is published. What the vendor does commit to is segregation: access is governed by role-based access control, and it states that customers cannot see data belonging to other organisations. Ownership itself is settled in the contract, which is not public.
Reuse rights
The vendor states that its Smart Assistants are built on transactions, master data and customer feedback collected while processes run on the platform, and that 260 million processes have been analysed by its AI systems in a GDPR-compliant way. It adds that it reaches precise models even without data pooling, which points to models fed by each customer's own data rather than by a shared corpus. No opt-out from model training is documented anywhere on the site: the only opt-outs offered concern Google Analytics, behavioural advertising and Leadinfo on the marketing website. Website data itself is used for contact handling, service provision, advertising, the newsletter, quality assurance and statistics, on consent, contract or legitimate interest.
Data retention & training
Hosting summary
The vendor states that its computing infrastructure is provided by AWS, and that the physical infrastructure it relies on is accredited under SOC 2, ISO 27001, PCI Level 1 and FISMA Moderate — credentials belonging to AWS, not to collect.AI itself. No AWS region, country or jurisdiction is named anywhere on the site or in the documentation, so the location of customer data cannot be established from public sources. On the protective side, traffic is encrypted in transit with 128-bit SSL/TLS, sensitive data is encrypted at rest with AES, passwords are hashed, access to production requires multi-factor authentication and is limited to authorised staff, and role-based access control prevents one customer from seeing another's data. For the marketing website only, the privacy policy acknowledges transfers outside the European Economic Area — Google, Meta and HubSpot are named — under the European Commission's standard contractual clauses.
Things to keep in mind
Risks and trade-offs to weigh before adopting collect.AI.
- The company behind the product is far older than the product: the legal entity was registered in Hamburg in 1996 under an unrelated payments name and only became collect Artificial Intelligence GmbH in 2016
- The homepage figures are unsourced and one of them is written in a way that cannot be read literally: less than 90 percent of receivables settled before the due date, 72 percent DSO reduction, 30 percent cost cut
- The security page contradicts itself on ISO 27001, so no certification should be assumed from it, and the SOC 2, PCI and FISMA credentials it lists belong to the hosting provider
- AI models are trained on data processed on the platform with no documented opt-out, which matters when the underlying records are debtors' personal data
- Automated dunning applies pressure to real people: channel and timing optimisation should be reviewed against national consumer protection rules before go-live
- No public terms and conditions and no customer data processing agreement mean every contractual expectation has to be negotiated and verified individually
- The domain shows a Wayback capture from April 2016, well before its recorded 2017 registration date, so historical captures of the site should not be read as continuous vendor history
Setup & Integrations
Technical difficulty
This is an enterprise integration project, not a sign-up. Effort depends on the route chosen. The direct REST API demands internal IT capacity, middleware or a systems integrator. Managed enterprise connectors shift most of that work to the vendor, which handles implementation, customisation and maintenance; with the SAP connector, the standard dunning process can run immediately without building an interface in-house. Custom connectors and ETL file transfer, reserved for legacy systems, involve a dedicated project team. Once live, day-to-day operation is genuinely self-service: workflows and branding are edited without code.
Deployment
Integrations
Supported languages
Behind collect.AI
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What does collect.AI actually do?
How much does collect.AI cost?
Is there a free trial or a free plan?
Does collect.AI offer an API?
Which systems can it connect to?
Which channels and payment methods are supported?
Where is the data hosted?
Is collect.AI ISO 27001 certified?
Is customer data used to train the AI models?
Is there a mobile app?
Should you pick collect.AI?
collect.AI is a serious, narrowly focused product rather than a general-purpose assistant. It does one thing — turning outstanding invoices into collected cash — and it does so with a coherent set of parts: reminder workflows a business team can edit alone, a branded payment experience, three named AI assistants covering message routing, payment forecasting and channel choice, and an integration layer that goes as far as a bidirectional SAP FI-CA connector. Ten years of history, a documented public API and ownership by the Aareal Bank Group since 2022 all argue for a mature vendor rather than an experiment.
The reservations are about transparency rather than capability. Nothing about the commercial terms is public: no price, no plan, no terms and conditions, so a prospect cannot size the investment or read a contractual commitment before talking to sales. The compliance picture is similarly incomplete. The security page contradicts itself on ISO 27001, presenting a certification still in preparation next to a section titled ISO 27001 certificate, without a number or a certifying body; the SOC 2 and PCI credentials it quotes belong to AWS; the hosting location is never named; and the privacy policy, dated December 2023, covers only the marketing website, leaving the treatment of customer receivables data outside the public record. The vendor also states that its models learn from data processed on the platform, without offering any documented way to opt out.
For a utility, insurer, bank or telecom operator with high volumes of small recurring claims and an SAP landscape, collect.AI is worth a demonstration. For anyone smaller, or anyone who needs to read the contract first, the door is simply not open.
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