Collection for E-commerce: Preserve your margin and your customer relationship

Do you sell online and payments continue to be delayed? In e-commerce, every euro of margin counts. An unpaid invoice of 50 euros seems small, but in large numbers it adds up. Especially if you work with payment in arrears or subscription models.

At Credifin, we focus specifically on e-commerce debt collection. You want speed, scalability and reliable cash flow, without damaging your brand. That's why we combine a fully automated and Wki-proof process with a customer-friendly approach. This way, you keep a grip on your payments and your customer relationship remains intact.

Our collection process connects seamlessly with your webshop. You no longer have to upload Excel lists; let your system do the work. We take care of the rest.

The e-commerce market has come of age. Margins are under pressure, competition is fierce and customers are critical. At the same time, payment methods such as postpayment and Buy Now Pay Later have become indispensable. That makes tight accounts receivable management more important than ever.

As an e-commerce entrepreneur, you run into specific problems:

• High volumes, small amounts: You can't manually chase every invoice of a few tens.
• Stricter rules (Wki and WIK letter): Since 2024, consumer debt collection rules have been tightened considerably. In 2026, a mistake in your 14-day letter will quickly lead to fines and loss of your right to collection fees. Want to know exactly how deadlines work? Read more about the legal payment term.
• Churn risk: You want your money, but you also want a customer to come back. A harsh or unclear approach can lead directly to negative reviews and dropouts.

This is precisely why you need a collection partner who understands e-commerce: high volumes, many small amounts and customers who expect quick clarity.

In 2026, you no longer have time to manually export and upload files. You want outstanding items to automatically flow through to your collection partner as soon as the payment period is over.

Credifin provides API links and integrations for commonly used e-commerce systems, such as:

• Exact software
• Visma
• Afas
• And other systems via a custom API link

This is how automation works in practice:

• Automatic alert: As soon as a customer exceeds the payment deadline, the invoice is automatically forwarded to us.
• Direct action: The customer immediately receives a digital 14-day letter by e-mail and SMS, including iDEAL payment link.
• Real-time synchronization: Does the customer still pay directly to you? Then the collection process stops automatically due to the link with your system.

You stay in control: you decide after how many days we will engage and what types of claims will be automatically forwarded.

In e-commerce, everything revolves around the customer journey. It does not end with the delivery of the package, but only once the invoice has been paid. That's why we opt for social debt collection: firm on content, friendly in tone.

Our approach to your clients:

• Omnichannel communication: We reach your customer via WhatsApp, interactive SMS and email with direct payment links.
• AI call robot Tom: Our smart call assistant reminds customers of outstanding payment in a calm, understanding way.
• Self-service portal: Your customer can log in 24/7, pay, make payment arrangements or ask a question.

Through this combination, we achieve a high collection rate while preventing complaints and negative reviews. You can see in your dashboard exactly what steps have been taken and what the results are.

Do you supply to consumers? Then the 14-day letter (WIK letter) is indispensable. If this letter does not meet all legal requirements, you cannot recover your collection costs and you run the risk of a fine.

Credifin makes sure your communications are fully Wki-proof:

• Correct term calculation: We take into account the receipt of the letter. The 14 days do not start running until the day after delivery.
• Correct collection costs: We charge the costs according to the graduated scale established by law. Because you as a webshop are liable for VAT, we do not pass on the VAT on the collection costs to the consumer.
• Transparent communication: All required information is clearly stated in emails, letters and text messages.

This not only protects your turnover, but also your reputation with regulators such as the ACM. You don't have to follow the legislation down to the decimal point yourself, we do that for you.

In e-commerce, a non-payment is often not a reluctance, but a return or a discussion about the product. That's why it's important that debt collection and customer service are well matched. Does this sound familiar to you? Then also read our article on online stores that don't refund money.

Our systems are set up for the practice of web shops:

• Upload return receipts: In the portal, your customer can directly upload a shipping receipt or return receipt.
• Quick check: We check the information and feed it back to your records.
• Preventing unjustified claims: Is the return justified and fully processed? Then we stop the collection process immediately.

This way you avoid frustration with your customer and unnecessary discussions. You show that you are strict but fair, which builds trust and strengthens your brand.

We work for web shops and e-commerce organizations that value their brand as well as their cash flow. This is why they choose Credifin:

• No Cure No Pay: You run no financial risk. We only earn when you get your money.
• High conversion rate on open items: Through our combination of channels and smart timing, invoices get paid faster.
• Brand protection: We communicate in line with your brand values. We feel more like customer service than an adversary.
• Scalability: Whether you have 10 or 10,000 invoices per month, our system grows with you.
• API link to your system: Your collection process runs automatically, with no extra work for your team.

You will have a fixed point of contact and clear reports. That way you keep an overview and can continue to focus on growth.

The web shops that win in 2026 are not necessarily the cheapest, but the most organized. They have their processes in order, from order to payment. Good accounts receivable management is just part of that.

With the e-commerce expertise of Credifin:

• Automate your collection process without additional work for your team.
• Improve your cash flow and avoid unnecessary depreciation.
• Retain satisfied customers through a respectful and clear approach.

Want to turn your accounts receivable management into a competitive advantage? Then we would be happy to help you get started.