Service description and pricing
We offer a free invoicing service and fast, customer-friendly debt collection – without hidden costs.
FREE INVOICING SERVICE
Invoicing 0 €
You always have free invoicing when you enable automatic payment monitoring for invoices.
Included in the price:
E-invoice 0 €
Email invoice 0 €
Paper invoice 2 €/piece
No monitoring fees or software charges
Unlimited access to the Talousvirta mobile app
All costs are charged to the debtor in accordance with the Debt Collection Act (Section 10).
Financing costs:
We charge interest on financing as follows:
| Due dates | Interest |
|---|---|
| 01–15 days | 0.95 % |
| 16–30 days | 1.90 % |
| 31–45 days | 2.85 % |
| 46–60 days | 3.80 % |
| 61–90 days | 4.75 % |
FAST COLLECTION SERVICE
Voluntary collection (non-legal process):
Payment demand 0 €
Service fee 0 €
No costs charged for successful collection
Legal collection (only if necessary):
Prices starting from 115 €
(includes authority fees, does not include enforcement costs)
Post-collection:
20 % fee on accumulated principal and interest
(also invoiced in cancellation situations)
More detailed service contents
Collection for private individuals:
Payment demands (1st and 2nd letter)
Assessment of payment ability
Legal collection & judgment
Pledging & post-collection
Collection for companies:
Payment requests, protests, promissory notes
Payment demand with bankruptcy threat
Legal collection
Pledging & post-collection
Collection policy
The service applies to the collection of undisputed claims
Legal costs are charged to the debtor according to law
Special cases and disputed claims are invoiced case by case
Prices do not include VAT or foreign debt collection