Country / Language
Change country
Choose another country or region to see content specific to your location.
Select your language
Atradius Paris colleagues in the office
Accounts Receivable Outsourcing | Atradius Collections

Outsource Accounts Receivable to us

Does chasing overdue invoices cost you lots of time? Then receivables outsourcing may just the thing for you. At Atradius we can handle the entire process for you: for both domestic and international arrears, of various kinds.

Learn More About Our Accounts Receivable Outsourcing Services

Receive a free consultation with our accounts receivable outsourcing specialists. We'll answer your questions and tell you what we can do for you.

Get a free consultation

What Is Accounts Receivable Outsourcing?

Accounts receivable outsourcing means delegating the management and collection of your unpaid invoices to a specialist agency. Instead of your internal team spending hours chasing payments, an experienced partner handles everything - from automated reminders to complex negotiations to legal escalation - on your behalf.

 

At Atradius Collections, we provide full-service accounts receivable outsourcing for B2B companies operating both domestically and internationally. Whether you have 10 outstanding invoices or 10,000, our specialists handle it so your team can focus on what they do best: growing your business.

 

For companies dealing with cross-border receivables, outsourcing eliminates the complexities of navigating foreign legal systems, languages, and payment cultures. It’s the difference between hoping an invoice gets paid and knowing a professional is on it. Shape

Why Businesses Outsource Accounts Receivable

You can outsource your accounts receivable cases to us across 50+ countries. Our approach combines international best practices with local knowledge: knowledge of the culture and the legal system, among others.

 

Up to 30% Faster Payments

Our proven collection process accelerates cash flow from day one. Automated reminders, timely follow-up, and skilled negotiation mean your invoices convert to revenue faster.

 

50+ Countries Covered

International B2B accounts receivable outsourcing handled with local language skills and legal knowledge. From Amsterdam to Singapore, we know how business works in each market.

 

Zero Admin Burden

Your team stays focused on growth, not chasing invoices. We take over the entire process:  monitoring, reminders, calls, correspondence, and escalation.

 

Since 1925

A century of expertise in commercial debt recovery. As part of Atradius N.V., a global leader in credit insurance and risk management, we bring unmatched financial stability and reputation.

image

AR Outsourcing vs. Managing It In-House

Not sure whether to keep your accounts receivable in-house or outsource? Here’s how the two approaches compare: 

  In-House AR Team AR Outsourcing  (Atradius Collections)
Time spent chasing invoices High. Daily manual effort. Zero. We handle it.
Multi-country coverage Limited by headcount and languages 50+ countries, local expertise
Language skills Usually English only 10+ languages including Spanish, French, German, Dutch, Mandarin, Arabic and Portuguese
Legal escalation Requires external counsel at added cost Handled in-house by our legal teams
Cost model Fixed headcount, benefits and overhead Flexible, performance-oriented pricing
DSO impact Baseline Up to 30% reduction
Customer relationship risk High if handled incorrectly Managed with empathy and a balanced approach

For most B2B companies, especially those with international receivables, outsourcing delivers better results at lower total cost than building an in-house team.

 

Ready to make the switch? Receive a free consultation! Contact us.

How Outsourced Accounts Receivable Management Works

1

Tell Us About Your Cases

We assess your portfolio: invoice volume, countries involved, invoice age, and case complexity. No obligation at this stage, just a clear picture of how we can help.

2

We Take Over

Your dedicated Atradius team begins professional follow-up via phone, email, and written correspondence in the debtor's own language. We combine an assertive approach with understanding where appropriate.

3

You Stay in Control

Track every case in real time via Collect@Net. We keep you informed at every step and consult you before making any significant decisions. Your cases, your call.

4

Payments Arrive

We handle everything through to successful collection. If a debtor remains unresponsive, we advise on legal options and can initiate proceedings in 50+ jurisdictions.

Start in as little as 48 hours. Request a Consultation →

Who Uses AR Outsourcing? Industries We Serve

M&D

Manufacturing & Distribution

High invoice volumes, complex supply chain payments

IT

Information Technology

SaaS contracts, cross-border licensing agreements

H&L

Healthcare & Life Sciences

Regulatory-sensitive collections requiring specialised handling

INT

International Trade

Multi-currency, multi-jurisdiction receivables

PS

Professional Services

Consulting, legal, and accounting firms with outstanding fees

R&W

Retail & Wholesale

Seasonal peaks, high debtor counts

L&T

Logistics & Transport

Freight and haulage invoices across multiple countries

GOV

Government & Public Sector

Institutional debt recovery requiring formal processes

From high-volume manufacturing invoices to complex cross-border IT contracts, Atradius Collections brings specialist knowledge to every sector. Our teams understand the payment cultures, legal frameworks, and business norms of each industry and each country.

Stay in the Driver's Seat

When you outsource your accounts receivable cases to Atradius, you stay in control. We keep you informed every step of the way and consult you when decisions need to be made. Our balanced approach has proven itself over time. We always think of your business interests both your revenue and your reputation.

Customer Retention

Outsourcing your accounts receivable to us means you choose a trusted and experienced agency. Throughout the decades we have developed international best practices. This approach combines proactivity with empathy for your customer where this is reasonable. This helps maintain trust and helps avoid damage to your reputation. Outsourcing your accounts receivable to us means you choose an agency with a balanced approach. One the one hand our approach is proactive, which helps you get your revenue in. Meanwhile, we approach your customer with empathy where this is reasonable, so you can continue to do business with them. This helps avoid damage to your reputation.

Free consultation

Explore our solutions and pricing for domestic & international cases

Book a consultation
FAQ

In accounting, the terms accounts receivable and accounts payable are used. These are two terms that basically have  opposite meanings. Where accounts payable refers to the bills that an organisation still has to pay itself, accounts receivable is about the invoices it has sent out to others. A more formal definition entails the money that customers and other stakeholders owe you as an entrepreneur or the organisation that you are working for. An example of accounts receivable are goods or services that have been delivered but that have not yet paid for. Especially when the payment has been due for a longer period of time and you are past the payment period that you put on the invoice, you may decide to outsource your receivables. A formal definition of what accounts receivable entail is that there needs to be a legal obligation for the customer to pay. In finance, the amount that is owed is regarded as an asset which can be placed on the company’s balance sheet. This is true regardless of the fact that you have not received the amount yet . In most situations the amount is collected within a short-term period, something to the order of 30 days up to a few months sometimes. Outsourcing your accounts receivable can make its management efficient for you. Efficient management of accounts receivable is important in order to maintain a healthy cash flow. This helps make sure that your organisation has enough funds at hand to cover your expenses, which is important to keep your primary process running.

Accounts receivable outsourcing is when you outsource accounts receivable cases to a collections agency, such as Atradius Collections. By outsourcing your accounts receivable, you delegate the management and collection of your unpaid invoices to a third party—typically an agency like Atradius. This helps you free up your team’s time and resources. In the background, we are busy pursuing the payments for you. Atradius Collections allows you to tap into the experience of our accounts receivable professionals. They will  handle everything from automated reminders to complex international collections. We always approach debtors with a sense of understanding and a sense of empathy where that is reasonable. This in order so you can retain the relationship with your customer that you have worked so hard for. By outsourcing your accounts receivable to us, not only do you likely increase your cash flow, but you also take a burden off of your own shoulder. Accounts receivable outsourcing can help reduce the administrative hassle you face, such as checking if money has come in and, if not, sending out payment reminders. And it reduces the risks you run, such as compliance and legal risks you run as a result of not knowing about certain laws and certain best practices that are well known by experienced accounts receivable agencies like Atradius. Especially if you deal with clients in other countries, and even more so if you do not speak the same language, there are many things that are important to keep in mind to mitigate your legal and compliance risks.

"In principle, businesses of all sizes and organisations from various types of sectors and industries can benefit from accounts receivable outsourcing. As a rule of thumb: the larger the business, the greater the possible benefits are. The greater the business is, the more customers or other stakeholders that owe it money it typically has. And therefore, the greater the business, the greater is the likelihood that one or more customers do not pay on time. For this reason, it is mostly the largest of businesses - both domestic and international - that either have in-house accounts receivable teams or that have chosen to outsource their accounts receivable. Many organisations have found that it is cheaper to engage in long-term outsourcing contracts for your accounts receivable than to organise things in-house. It can also improve the recovery rate, which also increases the cash flow. Outsourcing can help various groups of people: from small and medium-sized business owners, to finance teams in larger businesses, government or other public sector organisations and freelancers who want to save time. It also tends to be beneficial for organisations that find it difficult to collect overdue payments. Or for organisation to which it is important to maintain positive customer relationships, while also making sure they do not unnecessarily miss out on money. By choosing Atradius Collections, you choose to outsource your accounts receivable a renowned agency that knows how to handle both domestic and cross-border cases. You choose to outsource to a party that has integrated advanced automation solutions into its product offering. You choose an organisation that has experienced debt collection professionals working for them. This makes outsourcing a beneficial choice for anyone who wants a reliable partner who can deliver while also doing so in an ethical and lawful way and which helps you retain your client relationships, so you can do future business with them.

There is no industry for which accounts receivable outsourcing could not offer benefits. Industries that can benefit from accounts receivable outsourcing include very hands on industries like manufacturing, distribution and logistics. Also technological industries like information technology (IT) can benefit greatly. Also sectors that require soft skills, like retail, health care, international trade or professional services can benefit greatly. There are also government and other public sector organisations that have turned to us for help in collecting arrears. The nature of these cases can vary greatly from sector to sector. Some of these sectors deal with high invoice volumes. Others deal with many cross-border transactions, some of which can be very complicated. But also smaller organisations and even freelancers can benefit from accounts receivable outsourcing. By partnering with Atradius Collections, you as a business cn tap into a century of expertise. Our operations span a total of 50 countries and we have local knowledge of the languages, the cultures, and how to navitage legal and compliance risks. Outsourcing accounts receivable not only accelerates cash flow often reducing payment times by up to 30% but also saves valuable time and resources, allowing you to focus on growth while maintaining strong customer relationships.

Outsourcing accounts receivable can improve your company’s cash flow, because ultimatley, it is about collecting the money: the money that the cashflow and the working capital of your oranisations consists of. At Atradius we can help you follow up on your invoices for you in a professional manner. This mean we combine an proactive and assertive approach with an understanding attitude when that is reasonable and when that helps bring about a win-win outcome. We also have multilingual teams around, so when you are dealing with international arrears, we can help you with that as well. With Atradius Collections, experienced specialists handle overdue payments, reducing delays and increasing the likelihood of timely collection. Our international reach and multilingual teams mean even cross-border debts are pursued effectively. By outsourcing, you free up internal resources, allowing your staff to focus on core business activities rather than chasing payments. Automated reminders and expert intervention mean you receive your payments faster. This will result in reduced days sales outstanding (DSO) and it will therefore improve your overall financial health.

Days sales outstanding (DSO) is a number that captures the number of days that on average it takes for your organisation to collect payment from customers after making a sale. It is often used as a metric that indicates how effective your accounts receivable processes are. Outsourcing accounts receivable helps reduce DSO, as you engage a professional collection agency like Atradius collections—an agency that knows how to bring about payments quickly. This we do by making sure we follow-up on unpaid invoices quickly and by an approach that has proven itself over time processes. By outsourcing your accounts receivable to Atradius Collections, you choose to let your arrears be handled by debt collection specialists who know how to handle negotiations for you. Our accounts receivable specialists also know when and how to escalate cases in the legal sense of the word. At Atradius we have experience collecting arrears in over 50 countries. In most cases we can talk to your customer in their own language. This helps make it easier to resolve disputes and it encourages them to pay more quickly. At Atradius, we have an approach that has proven itself over time. It helps reduce the time it takes to turn your unpaid invoices into revenue. And this, in turn, has a direct impact on your days sales outstanding. Ultimately, outsourcing your accounts receivable tends to have a positive effect on your cash flow. It tends to improve your organisation's finances. This makes it easier to pay your suppliers and other stakeholders. And the money you get in you can then reinvest in your business or invest in other things.

Atradius Collections helps maximise customer retention by combining an effective and firm collections process with a respectful approach vis a vis your customers. Our multilingual teams speak your customer's language. And it's important to know that when dealing with cross-border cases, they understand the local country of the host country. Our collections professionals often manage to resolve issues in an amicable manner: that is to say that legal action is avoided. In the process, we can often avoid reputational damage. And we avoid you burning bridges with your customers. You can rest assured that in the century that we as an organisation have been around, we have developed an approach that has stood the test of time. While having a general approach that tends to work, we always look at the specifics of each case to determine what the best course of action is. Our software tools help keep things transparent for you, which allows you to maintain control of things at the end of the day. As an organisation, we find it important to do business in an ethical manner. This means we treat your customers with respect and that we maintain an understanding attitude where this is reasonable. This approach helps you recover payments efficiently without damaging valuable business connections.

When you decide to outsource your accounts receivable cases to Atradius Collections, your company’s financial data and your customer details is handled with the greatest integrity. As a global leader with nearly a century of experience, we have established internal processes and cultural norms that help ensure this. Atradius prioritises data protection and confidentiality at every step of the outsourcing process. Our advanced systems and strict compliance with international regulations ensure your sensitive information remains safe, whether you outsource accounts receivable locally or across borders. With robust security protocols and a long-standing reputation for reliability, Atradius Collections gives you peace of mind that your data is protected while you benefit from efficient, professional accounts receivable management.

You can expect to see results often fairly quickly when you deicde to outsource your accounts receivable cases to Atradius Collections.  Thanks to our proven processes and advanced automation, many clients experience payments arriving up to 30% faster. Outsourcing allows our experts to follow up promptly and professionally, reducing delays and improving your cash flow. Whether you need support with high volumes, international accounts, or overdue invoices, our combination of nearly a century of experience and innovative technology ensures efficiency from day one. By choosing to outsource accounts receivable to us, you benefit from faster results, less administrative hassle, and greater financial stability for your business.

If a debtor doesn’t pay we will try to get in touch via several channels. We try doing so a number of times and we try finding different phone numbers, emailaddresses and physical addresses.  If after several attempts payment is still not received, we can advise you on the legal options that are available to you. This includes initiating court proceedings if you should desire that. Throughout the outsourcing process, we keep you  informed. This way you will be well informed, which will help you decide whether to proceed with legal action or explore alternative solutions. By outsourcing accounts receivable to Atradius Collections, you gain access to both advanced technology and experienced professionals, ensuring every possible step is taken to recover your funds -even when legal action becomes necessary. 

"When choosing to oursource your accounts receivable, there are a few important differences between the agencies that you may be considering that are good to pay attention to. For one thing, there are large differences in size: you can find agencies that consist of just one person to small and medium sized companies to multinationals like Atradius Collections. Then there are also large differences in terms of what the agencies do. Do they mostly deal with Business to Consumer (B2C) cases, for example? Or can they help you with Business to Business (B2B) cases as well? Another important aspect to consider is whether you have a domestic or an international case. Many agencies may not have accounts receivable experts who speak the local language, who know the local culture and who know how to handle cross-border cases in for example the legal sense of the word. These are things that make Atradius Collections stand out from other agencies. We can help you with both domestic and international B2B cases. We understand regional business cultures and legal frameworks. This helps make sure that your unpaid invoices are collected in an effective manner that is also respectful to your custoer. As part of Atradius N.V., a global leader in credit insurance and risk management, the agency offers clients robust financial backing and a reputation for reliability. All in all, Atradius Collections offers tailor-made solutions that combine effective collections with ethical and empathetic way of dealing with the debtor. This approach that can be called both customer-centric and debtor-friendly helps maintain positive relationships with your customers while also ensuring that maintain optimal recovery rates.

Discover how you can benefit today

Curious how accounts receivable outsourcing can benefit your business?

Get a free consultation