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Payt Software (Groningen, NL)

Payt

Dutch debtor management software from Groningen-based Payt that automates the entire process from invoicing to debt collection. The AI-driven 'Payment Journeys' predict each customer's payment behaviour and automatically adjust the tone and timing of reminders. On average, invoices are paid 30-50% faster and 80% of repetitive tasks are automated.

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Shared spot2of 15 professional tools with a GDPR profileOur summary of what the provider itself publishes about your data: whether the data is held in the EU (2 points), whether there is a certification or GDPR guarantee (1) and whether the provider is based in the Netherlands or the EU (1). 3 or 4 points is Strong, 2 Good, 1 Limited, 0 Unknown. How we measure in debt collection & receivables management
GDPR: Good
  • Provider based in the Netherlands
  • Publishes certification/GDPR safeguards

Each tile is a professional tool in debt collection & receivables management, the strongest GDPR profile on the left. 6 professional tools, like Payt, have a good profile: they share this spot. Click for that tool.

Priceon requeston request; 14-day free trial period
Free trialYes
Based inGroningen, NLNetherlands
ModelNot publicAI Payment Journeys (predictive behaviour model); Dutch company (Groningen); GDPR-compliant; data at AWS in the EEA, other sub-processors largely in the EEA (according to the provider); data processing agreement available (according to the provider); ISO 27001, audited by LRQA (according to the provider)

Last checked: 5 November 2026 · How we check

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What it does

Automatic invoice follow-up
AI determines timing and tone of reminders
SmartCollect: reminder per invoice
Smart payment arrangements
Customer portal with dialogue
Creditworthiness check
Peppol and e-invoicing
Connects with Twinfield, Xero, SAP and others

Comparable in debt collection & receivables management

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All 15 professional tools for debt collection & receivables management

Payt compared

Payt vs Blinqx Risicomanagement (Finly)Payt vs Findesk (Adviesmaat)Payt vs MaxCrediblePayt vs Onesurance
Underlying model

AI Payment Journeys (predictive behaviour model); Dutch company (Groningen); GDPR-compliant; data at AWS in the EEA, other sub-processors largely in the EEA (according to the provider); data processing agreement available (according to the provider); ISO 27001, audited by LRQA (according to the provider). Many tools build on a large model from, for example, OpenAI or Anthropic. If in doubt, ask for the data processing agreement: it sets out where your data goes.

GDPR check for debt collection & receivables management

Questions about Payt

AI for debt collection & receivables managementAI for financial advice
Which AI model does Payt use?
The maker of Payt does not publish which AI model sits underneath. AI Payment Journeys (predictive behaviour model); Dutch company (Groningen); GDPR-compliant; data at AWS in the EEA, other sub-processors largely in the EEA (according to the provider); data processing agreement available (according to the provider); ISO 27001, audited by LRQA (according to the provider).
How much does Payt cost?
on request; 14-day free trial period. Check the current price on the provider's website; prices change often.
Who is Payt for?
Payt is aimed at collections & debtor management, financial advice. It fits work such as estimating collection chances per case with predictive AI, automating debtor communication (email, SMS, WhatsApp, voice), and case and file management for judicial and out-of-court collection.
What should I look out for with AI in debt collection & receivables management?
Debtors can be vulnerable people; automated decisions about debt recovery fall under the AI Act (high risk) and require human oversight. Debtors' personal data is squarely personal data under the GDPR, only use systems with a data processing agreement and EU hosting. Automated calling and sending WhatsApp messages for commercial collection requires consent or a legitimate interest under the Telecommunications Act. BFT supervision requires a full audit trail of all automated actions per case.
Next stepAll 27 options for debt collection & receivables managementProfessional tools and general assistants side by side, on GDPR profile, price and quality.

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