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Defaults & disputes

A default shouldn't
jeopardise your business

A single unpaid invoice can wipe out the profit from dozens of sales. FutureBNPL automates recovery, manages disputes and activates insurance when needed. You always collect.

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Default management · resumen
Collections del mes94 de 97
Reintentos exitosos2 recuperados
In recovery1 en proceso
Siniestros0 este mes
96.9% cobrado sin incidencia
95%
Resueltos sin siniestro
3
Recovery levels
100%
Traceability
0€
Tu riesgo con seguro
The problem

Default doesn't start when they don't pay.
It starts when you don't have a plan.

Destroys margins
Si tu margen es del 5%, necesitas sell 20 times more to recover a single default. Two large defaults can compromise la viabilidad de una pyme.
Consumes your time
Llamadas, emails, burofaxes, abogados. Tu equipo financiero spends hours chasing payments instead of growing el negocio.
Insurance doesn't always cover
Franquicias, exclusiones, long indemnification periods. Traditional credit insurance does not eliminate el riesgo al 100%.
Disputes poison the relationship
Sin traceability, every return or disagreement se convierte en un conflicto. Losing a client over a poorly managed dispute costs more than the default.
The solution

Automatic recovery & disputes
resolved without friction

If a client doesn't pay, the platform acts before you. Automatic retries, personalised communications, insurance activation without bureaucracy.

⚖️

Default management

Si el cliente no paga en fecha, the system launches automatic retries with alternative methods. Si persiste, activates recovery communications. And if they ultimately don't pay, activa el seguro without bureaucracy.

El 95% de los casos se resuelve sin activar el seguro.
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🧩

Dispute resolution

Every transaction has complete traceability: what was ordered, what was delivered, what was invoiced, when it was collected. All the information to resolve quickly and protect la commercial relationship.

Dedicated support to minimise the impact on the relationship.
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What sets us apart

Automated recovery with insurance coverage:
no bureaucracy, no losses

FutureBNPL no es un despacho de abogados ni a collection agency. It is a platform that automates 100% of the default cycle: from the first retry hasta la activation ofl seguro. Without manual intervention, without forms, sin esperar meses.

🔄
Automatic retries
If a method fails, the platform tries the next registered one. Without your intervention.
🛡️
Insurance without bureaucracy
If ultimately uncollected, insurance activates automatically. You still collect.
📋
Full traceability
Every attempt, communication and decision is recorded. For disputes and for auditing.
Related solutions
Factoring alternative → Recover unpaid invoices → Financing without credit register → B2B credit scoring → Trade credit insurance → Automatic reconciliation → B2B KYB verification → Smart B2B collection → B2B default management → BNPL B2B → What is credit register → BNPL vs factoring → E-invoicing regulation → Reduce DSO → VAT compliance B2B → What is BNPL B2B → B2B subscriptions → B2B dispute resolution → Order to cash B2B → Improve business liquidity →
FAQ

FAQ about B2B defaults & disputes

What percentage of B2B defaults are resolved without activating insurance?
The majority. FutureBNPL's process is progressive: first smart collection with retries, then personalised dunning, then amicable recovery with mediation. Only if all this fails does legal recovery activate, and insurance as a last resort.
What happens if the buyer ultimately doesn't pay?
The seller already collected in 24h, so they lose nothing. FutureBNPL exhausts all recovery channels (amicable, legal, seizure) and if the amount isn't recovered, the insurer covers 100%. The seller never absorbs the loss.
Does legal recovery include seizures and court claims?
Yes. The platform can activate formal payment demands, preventive asset seizures and judicial claims through specialised legal partners. Fully automated with complete traceability in your dashboard.
How are disputes different from defaults?
A default is when the buyer doesn't pay without justification. A dispute is when the buyer has a legitimate claim (defective goods, invoice error, quantity discrepancy). FutureBNPL manages both with separate workflows, protecting the commercial relationship in both cases.
Can I see each case's status in real time?
Yes. Unified dashboard showing every default and dispute's status: process phase, communications sent, buyer responses, legal deadlines, insurance case status and proposed resolution. Complete traceability of every euro.

Want to stop chasing collections
and worrying about defaults?

Free demo, no commitment.

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