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Payment Enforcement and Debt Recovery Solutions

Achieve higher revenue by optimising payment enforcement and debt recovery

Optimise collection of overdue receivables and outstanding debt with payment enforcement and debt recovery solutions from SAP:

  • Empower public-sector debt collection authorities with best practices identified through analysis of historical collection success
  • Handle finance-related inquiries from constituents by accessing finance and collection-related data
  • Support customer accounting processes using a variety of payment methods and enable intensive collection and enforcement tasks

Solution Capabilities

Explore the capabilities of our payment enforcement and debt recovery solutions

Debt Collection Analytics

Optimise collection with a single, powerful analytics platform

Support debt collection analysis with a real-time data platform. Deepen your understanding of your complete debt book, collection trends, potential situations that impede collections, and aspects of collection success. Use an enterprise-ready business intelligence platform to support rapid information discovery, report generation, and analysis. With visualisations and predictive models, you can determine successful collection patterns and continuously optimise collection strategies.


Collection Online Services

Personalise debt management with collection online services

Make customer service your company's hallmark with solutions for collection online services from SAP that enable you to:

  • Offer customers a one-stop, self-service shop for account maintenance that includes secure access to outstanding debt balances and line items
  • Support secure online payments, forms processing, and customer-agency communication across multiple channels
  • Present customers a single-agency face and establish a platform for education and focused campaigns


Receivables Management and Payment Handling

Process high volumes of payments quickly and accurately

Take advantage of software that handles every possible payment channel and provides sophisticated and flexible clearing control. With our software for receivables management and payment handling, you can assign individual clearing strategies, automate payment reconciliation, and generate reports aligned with accounting principles. By automating your processes, you can speed payments and reduce internal processing costs.

Credit and Collection Management

Tailor credit and collections to individual client profiles

Base your credit decisions on reliable, targeted credit scoring – sourced from historical client data integrated with data from external rating agencies – with SAP software. Fully automate routine volume tasks, such as calculation of interest payments, and continuously optimise collections using champion/challenger analysis. A complete picture of the credit and collection history of new and existing clients enables you to speed collection time and reduce the risk of nonpayment.

Financial Customer Care and Dispute Management

Quickly answer financial inquiries and resolve disputes

Provide call centre staff with a complete view of client financial information, outstanding bills, bill details, and payment history. With SAP software, agents can quickly make adjustments, modify contracts, change payment details, set up instalment plans, create credit notes, or mark disputed items as locked to exclude them from automated collections processing. As a result, the volume of support calls decreases and disputes are handled in less time with less cost.

Debt Enforcement

Resolve tasks for debt enforcement faster while reducing outstanding debt

Manage the complete process for debt enforcement activities, such as property liens and seizures, bank collections, and wage garnishments, with debt enforcement solutions from SAP. By supporting fully integrated, seamless processing of debt enforcement activities, our software can help you:

  • Gain a 360-degree view of debtors' activities and financial position
  • Assign outstanding debts or overpayments to collection strategies
  • Automate each collection strategy according to different rules



Quickly adopt and maintain SAP solutions

Get the support you need to efficiently implement and operate your SAP solutions – and take advantage of new technologies. We offer a range of support services, from foundation level to strategic engagement and co-innovation.

View product documentation

Get a wealth of information – about everything from installation and upgrades to security, integration, and product availability.


Reimagine the way you do business with SAP Digital Business Services

The digital economy is having a profound impact on SAP customers and requires a new level of orchestration to evolve your business, unleash full business value, and ensure business continuity. SAP Digital Business Services brings business and IT together to help you reimagine your business using our digital business framework.

Based on over 40 years of experience working with the world’s most progressive organisations and a robust partner ecosystem, SAP Digital Business Services can guide you on the path to innovation and digital transformation, while securing critical business processes.


Evolve your business by breaking new ground with a trusted adviser who knows you best

Unleash the full business value of your SAP investment and define a clear digital road map to adoption

Ensure business continuity with active guidance, while migrating to next-generation technology 

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