How to secure debt collection with pay by Link

Debt collection is a critical challenge for businesses, directly impacting cash flow and financial health. According to the Banque de France, 25% of business failures stem from late or unpaid invoices.
To mitigate credit risk and ensure sustainable growth, third-party debt collection professionals support businesses by reducing collection delays, improving dunning efficiency, and minimizing unpaid debt — all while remaining compliant and operationally agile.

In this environment, digital payment solutions are becoming indispensable. Among them, Pay by Link stands out for its ease of implementation and effectiveness.

If you’re a collections expert, you may be asking:
How can I speed up collections? What’s the most secure, frictionless way to get a customer to pay late invoices?

Let’s explore why Pay by Link helps you improve collection performance and streamline operations.

1. Pay by Link: a Powerful Ally for Accounts Receivable Management

Before a debt escalates to litigation, it’s essential to remain in the pre-litigation phase. In these cases, the receivable is not disputed, but the debtor has yet to pay — often due to:

• Administrative oversight (lost emails, unprocessed invoices)
• Failure to receive the invoice
• Voluntary delay due to cash flow issues

Pay by Link is ideal for this phase: a secure, simple tool to prompt late payers to act quickly.

For the CreditorFor the DebtorSpeedOne click from the emailed link leads to the payment page. Payment is immediate.Ease of UseNo need to enter bank details, wait for transfers to be authorized, or deal with cheques.Reduced ErrorsEliminates IBAN entry errors or missing references.Automated UpdatesPayment status updates automatically with real-time notification.Full TraceabilityThe payment link is unique, linked to one customer and one invoice.

Pay by Link provides a seamless, non-intrusive experience that encourages prompt payments — and in collections, every day counts.

Pro tips

To maximize success:

• Avoid spam traps: Embed links in a formal email (e.g., quote, invoice, reminder) or use a known contact to ensure trust.
• Offer alternatives for large amounts: For high-value payments, provide options like bank transfer initiation instead of just cards.

2. Security and Compliance: Must-Haves in Debt Collection

Is Pay by Link secure enough for collections?

Yes — but only if implemented via a certified payment provider. The goal: prevent fraud and secure payments as early as possible in the dunning process.

Here’s how:

• GDPR compliance: No personal payment data is stored outside of regulated environments.
• PCI DSS certification: Card data is handled by the PSP only. No sensitive info transits your systems.
• Liability shift via 3DS authentication: Strong Customer Authentication (SCA) provides legal protection in case of disputes.
• Error reduction: Structured, pre-filled links prevent misallocated transfers or input mistakes.
• Improved customer trust: Secure links replace outdated practices like phone-based card payments (now often banned).

3. Best Practices for Sending Links

Even a great tool needs context:

• Personalize the email or include the link in a formal document (invoice, quote, payment plan).
• Clarify the purpose: Make sure the customer expects the request or recognizes the invoice.
• Offer alternatives: Enable SEPA Credit Transfers or direct bank initiation for large sums.

Conclusion

Reducing DSO, limiting default risk, increasing your payment rate, and avoiding legal escalation — Pay by Link is an essential, easy-to-adopt tool for credit management teams.
For professionals in financial mediation and debt recovery, this solution is a no-brainer.

Still wondering which method will help you collect faster?
You’re just one click away from better results.

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