If the customer doesn't pay my invoice, will UKKO.fi take care of the collection?

When you select automatic payment monitoring for an invoice, UKKO.fi follows the payment and, if necessary, transfers the unpaid invoice to debt collection. Our debt collection partner is Kravia Oy.

How automatic payment monitoring works

You can select automatic payment monitoring when creating an invoice. The payment term must be:

• at least 14 days when invoicing a private customer
• at least 7 days when invoicing a company customer

If the invoice is not paid by the due date, a payment reminder will be sent automatically.

A payment reminder may also be sent for overdue invoices for which debt collection was not selected. In that case, the invoice will not be automatically transferred to the debt collection agency through this process.

Payment reminder and debt collection schedule

The schedule is calculated from the invoice due date:

What do the different invoice statuses mean?

Payment reminder sent

This status is shown when UKKO.fi has sent a payment reminder to your customer. The invoice has not yet been transferred to the debt collection agency.

In debt collection

This status is shown when the invoice has been transferred to Kravia Oy for debt collection.

The invoice may still be partly unpaid if your customer has paid only part of the invoice to the debt collection agency.

Where can I see invoices under payment monitoring?

Invoices under payment monitoring can be found on the Dashboard under Requires action, in the Payment control tab.

1. Open the Dashboard.
2. Go to Requires action.
3. Open the Payment control tab.
4. Check the invoice status.
5. Open the invoice if you want to see more detailed information about the payment monitoring or debt collection process.

You can also follow invoice statuses in the Invoices section.

Can my customer agree on a payment arrangement?

When an invoice has been transferred to debt collection, your customer can contact Kravia Oy directly to ask about, for example, a payment plan or a change to the payment schedule.

Can payment monitoring be activated afterwards?

It may be possible to activate payment monitoring after the invoice has been created. Please contact UKKO.fi Customer Service if you would like to ask about this.

Please note that the invoice must include the necessary customer contact details, such as an email address and postal address.

Debt collection for company and private customers

The debt collection process is slightly different for company and private customers. More information provider Kravia Oy.

Company customer invoice

If a company customer does not pay an invoice despite payment reminders, a tratta may be used in certain situations. A tratta can only be sent when the claim is due, clear and undisputed.

Private customer invoice

For a private customer, the case may proceed to an assessment of legal debt collection after payment reminders and payment demands have been sent.

Can an invoice be transferred to legal debt collection?

If the invoice cannot be collected through voluntary debt collection, you may request that the claim be transferred to legal debt collection.

The following conditions must be met:

• the principal amount of the invoice, meaning the total amount including VAT, is more than 120€
• the claim is undisputed
• the debtor is not located abroad
• you want to bring legal proceedings.

The claim will not be transferred to legal debt collection without your written confirmation.

Please note that legal debt collection involves risks. If your customer disputes the claim and the matter is decided in their favour, you may become responsible for court costs and other expenses.

If the invoice has been disputed or it is unclear whether the claim is justified, the invoice should not be transferred to debt collection before the matter has been clarified.

Make a written agreement for the work

We recommend making a written assignment agreement with your customer for all work assignments.

The agreement should state at least:

• what the work includes
• when the work will be carried out
• the price of the work
• the payment term
• any cancellation terms.

A written agreement shows what work and price you agreed on with your customer. It can make it easier to resolve the matter if your customer disputes the invoice or the invoice proceeds to legal debt collection.

Download the assignment agreement from your own profiles Documents page.

Frequently asked questions

Does automatic payment monitoring cost me anything?

Voluntary payment monitoring and debt collection do not normally cause costs for you as a UKKO.fi user. The related costs are charged to the debtor.

Legal debt collection is different. Court costs and other expenses may become your responsibility depending on the situation.

Can I stop the debt collection process?

Contact UKKO.fi Customer Service as soon as possible if, for example:

• your customer has disputed the invoice
• you have agreed on payment directly with your customer
• the invoice was transferred to debt collection by mistake.

Why was a payment reminder not sent?

A payment reminder may not be sent if the invoice is missing the customer’s email address or postal address. Also check that:

• the invoice is overdue
• the invoice details are correct
• automatic payment monitoring was selected, if you want the invoice to proceed to debt collection.

Can an invoice still be in debt collection if my customer has paid part of it?

Yes. The invoice may still have the status In debt collection if part of the invoice remains unpaid. The debt collection agency updates the status based on the payments received.