Industry
Retail & E-commerce Debt Recovery
BNPL, marketplace and consumer-credit recoveries
Retail and e-commerce collections move at digital speed. DECOL combines automated workflows with brand-safe customer treatment to protect lifetime value.
Typical debts we recover
BNPL instalmentsMarketplace seller arrearsConsumer creditChargeback recoveries
Recovery timeline
1
Automated reminders 1–14 days
Email and SMS cadence, brand-aligned
2
Soft collection 14–45 days
Agent engagement on higher balances
3
Final demand 45–75 days
Pre-legal escalation review
4
Legal / write-off 75+ days
Bulk-template legal or portfolio sale
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Consumer credit (most EU) | 3–6 years | Jurisdiction-specific |
| Distance contracts | Standard contract limits | EU consumer rights directive applies |
Sector challenges
- •Brand-safe tone of voice
- •High-frequency, low-value transactions
- •Cross-border consumer law
DECOL approach
- •White-label collection touchpoints
- •API integration with billing platforms
- •Self-service settlement portal