You keep the full amount recovered
We take no percentage of the debtor’s payment—you pay for a specific action carried out.
B2B debt recovery · 0% commission
Recover what you’re owed.
Keep 100% of it.
Saldora handles recovery from the first reminder through preparing the e-court claim file and referring the case to a bailiff. You entrust us with the process, and recovered money stays with your business.
Pilot service for businesses. Start with one invoice—you’ll know the scope and cost before any action begins. Prefer to talk first? kontakt@saldora.pl
- 0% commission on recovered amounts
- Know the price before you start
- Legal steps only with your approval
- A complete record of every contact and decision
Costs under control
Debt recovery that makes sense even for smaller invoices.
With commission-based pricing, the cost rises with the amount recovered. At Saldora, every stage has a fixed price based only on the outstanding balance band. From the outset, you know what you’ll pay and what the service includes.
Choose the stage you need
The PDF payment demand is included in amicable recovery. Preparing the e-court claim gives you a ready claim file, which you file yourself through your own e-court account.
Automation keeps the process on track
The system tracks deadlines and records every action, while irreversible steps wait for your approval.
A straightforward process
Add an invoice. Saldora keeps every next step on track.
We begin with clear, amicable communication. Contact becomes more formal only when earlier attempts do not result in payment.
- Email & SMSDays +1, +4, +7
- Voice contact (coming soon)Coming soon · not part of current packages
- Formal remindersDays +14, +18, +21, +30
- PDF demandYour approval · included
- e-CourtWe prepare the claim
- Payment orderCourt decision
- BailiffYou nominate the office
Payment at any stage? Record full payment and we stop further contact.
Customer reports a problem?
Review the response and pause the case while clarifying or agreeing next steps.
Still no payment or explanation?
We check the balance and agree the next step. The PDF demand and preparation of the e-court claim require your approval.
Days are counted from the invoice due date. If the invoice is already overdue when the service starts, we use a shorter sequence counted from the start (days 0, 2, 5 and 10). Automated messages go out on business days between 8:00 and 20:00. The diagram shows a workflow, not a guaranteed recovery time. Channel availability is confirmed before the pilot starts.
01Reminders that put the facts in order
We start with a courteous reminder identifying the creditor, invoice, due date and outstanding amount. Your customer receives the information needed to pay and a way to report an existing payment or a concern about the invoice.
- Day +1: first email reminder.
- Day +4: a short SMS reminder.
- Day +7: a follow-up email reminder.
02An additional request to get in touch
The extended workflow offers an automated voice notice asking for contact about business correspondence. It is a short message, not a conversation with a negotiator. It does not disclose the debt amount to whoever answers.
- Voice contact is not part of the current packages.
- A planned channel, to be launched only after legal review.
- For now this step is skipped.
03More formal, still amicable
If the balance remains outstanding, subsequent messages clearly restate the overdue payment. We keep the tone factual and retain the contact history. Court proceedings are not presented as inevitable. The final amicable notice waits for the creditor’s decision.
- Days +14 and +21: email notices; day +18: an SMS notice.
- Day +30: final notice after your approval.
- Contact limits and channel blocks apply throughout.
04A specific payment demand, ready for your review
Prepare a pre-litigation payment demand using the case data. Before sending, review the parties, invoices, principal, calculated interest, compensation and payment deadline. The PDF is included in the amicable recovery package, with no separate charge.
- Review the wording and calculations before approval.
- Demands require approval and an available email channel.
- A recorded full payment stops further escalation.
05We prepare your e-court claim — you file it yourself
After your approval, we prepare the e-court (EPU) claim as a file ready to be filed. We check the documents, current claim amount and party details. You file the claim yourself through your own e-court account; Saldora does not file the claim or conduct the court proceedings.
- You provide documents and approve the claim preparation.
- We prepare the claim file; you file it.
- Preparing the claim has a fixed price; the court fee is separate.
06From a payment order to an enforceable title
We monitor the proceedings and keep you informed of the outcome. Once a payment order is final and has an enforceability clause, the debt can proceed to enforcement. The court decides whether to issue an order; if there is an objection or discontinuance, we agree the next steps with you.
- We check whether the order can support enforcement.
- A payment order is not a payment from the debtor.
- Full payment removes the need for further recovery.
07We refer the case to your nominated bailiff
If the debt remains unpaid after an enforceable title is obtained, we handle the enforcement application and refer it to the bailiff you nominate. The choice of office is subject to statutory rules. You nominate the bailiff and we handle the referral formalities.
- We update the enforcement amount for recorded payments.
- The bailiff conducts enforcement; its costs are separate.
- Recovery also depends on the debtor’s assets and circumstances.
Why start with a reminder and respond to replies? Explore findings from repayment research ↗
Once you record a payment, the workflow stops. Every contact attempt—including unsuccessful ones—is saved in the case record.
Transparent pilot pricing
Choose the stage. Know the price before you start.
Prices shown are per case and exclude VAT. The price band is based on the amount still outstanding. We add no commission to money recovered from the debtor.
Outstanding balance
Below PLN 5,000
Amicable debt recovery
PLN 49.00 excl. VAT
- Pre-litigation demand: included in the package
- E-court claim preparation: PLN 99.00
- Registered letter with acknowledgement of receipt: PLN 19.00
Outstanding balance
PLN 5,000–19,999.99
Amicable debt recovery
PLN 99.00 excl. VAT
- Pre-litigation demand: included in the package
- E-court claim preparation: PLN 199.00
- Registered letter with acknowledgement of receipt: PLN 19.00
Outstanding balance
PLN 20,000 and above
Amicable debt recovery
PLN 199.00 excl. VAT
- Pre-litigation demand: included in the package
- E-court claim preparation: PLN 399.00
- Registered letter with acknowledgement of receipt: PLN 19.00
Pricing model comparison
A fixed price does not rise with the amount recovered.
| Example outstanding balance | Saldora: full recovery path | Example: 9% commission | Example: 12% commission |
|---|---|---|---|
| PLN 3,000.00 | PLN 148.00 | PLN 270.00 | PLN 360.00 |
| PLN 8,400.00 | PLN 298.00 | PLN 756.00 | PLN 1,008.00 |
| PLN 40,000.00 | PLN 598.00 | PLN 3,600.00 | PLN 4,800.00 |
The full service combines amicable recovery with the PDF demand and preparation of the e-court claim (you file the claim yourself). Court and enforcement costs are separate. The 9% and 12% columns are mathematical commission examples, not another company’s offer.
Court fees and enforcement costs are separate from our service price. Once instructed, we prepare the e-court claim as a file for you to file yourself; you conduct the e-court proceedings. After obtaining a final payment order with an enforceability clause, we refer the enforcement application to the bailiff you nominate, within the statutory rules of choice. The court decides whether to issue an order.
REGULAR RECOVERY
More invoices. One monthly plan.
Start
PLN 199.00net / month5 new cases each month
Email, SMS and a PDF payment demand included.
10% off e-court claim preparation
- Debt below PLN 5,000
- PLN 89.10
- PLN 5,000–19,999.99
- PLN 179.10
- PLN 20,000 and above
- PLN 359.10
Biznes
PLN 299.00net / month10 new cases each month
Email, SMS and a PDF payment demand included.
20% off e-court claim preparation
- Debt below PLN 5,000
- PLN 79.20
- PLN 5,000–19,999.99
- PLN 159.20
- PLN 20,000 and above
- PLN 319.20
Skala
PLN 699.00net / month30 new cases each month
Email, SMS and a PDF payment demand included.
30% off e-court claim preparation
- Debt below PLN 5,000
- PLN 69.30
- PLN 5,000–19,999.99
- PLN 139.30
- PLN 20,000 and above
- PLN 279.30
Net prices + 23% VAT. Monthly card payments. Unused slots do not roll over; covered cases remain in service. Preparing the e-court claim is billed separately, with the discount of the plan active when the service fee is recorded. Pricing depends on the outstanding debt. Court fees and registered mail are not discounted.
Clear terms
Key questions before you start.
Do I pay a commission on recovered amounts?
No. Each stage has a fixed price based on the debt band. The debtor's payment goes to you in full.
Does Saldora guarantee recovery?
No. The outcome depends on the debtor's situation and the quality of your documents, among other things. What we do guarantee is a transparent process, a fixed cost and a record of every action taken.
Is everything sent automatically?
Scheduled reminders and formal notices can go out automatically. The pre-litigation demand, registered letter and court claim always require your approval.
What happens when the customer pays?
You record the payment in the panel and the system stops further contact. Before every irreversible step we check the case status again.
Do you go to court straight away?
No. We start with amicable contact. If payment does not arrive, with your approval we prepare the e-court claim — a file you submit yourself on your own account. Once you hold an enforceable title we can refer the case to a bailiff you name.
How much does debt recovery cost?
With us it is a fixed fee per stage, based on the debt band — amicable recovery with the PDF demand included, and preparation of the e-court claim priced separately. The market standard is a percentage of the amount recovered, typically around 12 %, which on an PLN 800 invoice comes to less than an hourly rate — which is why nobody takes such cases. The court fee is the creditor's cost, awarded against the debtor, and not our revenue.
Is a small invoice worth pursuing?
Under a commission model usually not, because a percentage of a small amount does not cover a person's time. Under a fixed fee the arithmetic changes: an PLN 800 case runs through the same automation as a PLN 50,000 one. Do keep the limitation period in mind though — claims between businesses generally become time-barred after three years, and the older the debt, the smaller the chance the debtor can still pay.
What can I add to an unpaid invoice?
Two things, independent of each other: statutory late-payment interest for commercial transactions, running from the day after the due date until payment, and the flat compensation for recovery costs under article 10 of the Polish Act of 8 March 2013. The compensation is due for the delay alone, without proving what recovery cost. You can calculate both amounts for your own invoice in our free calculator, which also shows the applicable rates and their legal basis.
What is the e-court, and do you file the claim for me?
The e-court is Poland's electronic writ-of-payment procedure — a simplified route to a payment order. We prepare and validate the complete claim, but you file it yourself on your own e-court account. Saldora does not file the claim or conduct the court proceedings. You receive a finished, validated file and the calculated court fee before you file anything.
How do you keep contact from becoming harassment?
Messages are factual and state the creditor and the basis of the claim. The system enforces frequency limits, logs every attempt and honours channel blocks.
Know before you decide
Understand the process. Make an informed choice.
Practical answers about unpaid invoices, documents and the next steps in B2B debt recovery.
Amicable B2B debt recovery: what to do when an invoice is overdue
How Saldora handles overdue invoices: email and SMS schedules, contact rules and fixed pricing with a PDF payment demand included.
Read the guidePDF payment demands: what to check before sending
What goes into a pre-litigation payment demand: parties, invoices, balance, calculations and deadline. Learn how to prepare and approve the PDF in Saldora.
Read the guidee-Court: we prepare your claim, you file it
Saldora prepares the e-court (EPU) claim as a file ready to be filed. You file the claim yourself through your own e-court account.
Read the guideAn e-court payment order and the bailiff: from claim to enforcement
From an e-court claim prepared for you to a payment order and enforcement. Saldora prepares the claim, you file it, and the creditor nominates the bailiff. Explore the stages, formalities and costs.
Read the guideHow much can you add to an unpaid invoice? Calculate statutory interest and the 40/70/100 EUR compensation ↗
Pilot service
Have an unpaid invoice? Start with one case.
Tell us the outstanding amount and payment due date. We’ll come back with the scope, price and details of what we need to start the case.
We do not promise an outcome before reviewing the case. You approve every escalation.