Axactor logo

Simplifying debt collection

powered by open banking
Conversion rate
Launched in

Our collaboration

For Axactor effective debt collection is all about people, building trust and finding good solutions that take care of both parties. Some of the most common problems they see in the industry are that consumers do not receive invoices on their preferred channel and that issuers do not make good or user-friendly payment methods available.

As a technology-driven credit management platform, Axactor was looking for an innovative and cost-effective way to simplify how consumers could pay and manage their debt. Using Neonomics Platfrom Services, Axactor became the first in the debt collection industry to offer their customers secure and cost-efficient account-to-account (A2A) payments using open banking technology. The solution is now integrated into their online platform and mobile app and can be embedded directly in their customers' invoices.

Using Neonomics Payments consumers have the flexibility to either pay straight away or to schedule a payment on a different date if that is more convenient. Focusing on customer needs and experience is a key factor in payment’s success. To achieve this, Axactor workied closely with Neonomics’ Design team to implement a streamlined user interface that out-performs all its other payment options in both cost and conversion.  By delivering an easy payment method that is also efficient for end-users, it’s no wonder that Axactor has become one of the top 10 credit management providers in Europe.

How it works

The customer receives a notification that they have an invoice and a link to open the invoice. With just a few clicks, they can review the invoice and pay it online or directly from their phone.

Click the link

The customer receives a SMS or email with a link to pay their invoice.

Choose bank payment

The customer chooses ‘pay directly from your bank’ from the payment options.

Authorize and pay

The customer selects their bank, the account to use, and authorises the payment.

An effective payment solution users appreciate


The streamlined payment flow reduces manual entry and mistakes making it faster and easier for users to pay. Flexible payment options enable users to handle their invoices right away.

Faster resolution

Real-time payment statuses and near-instant settlement allow invoice payments to be resolve quickly.
Hear from the client

“Account-to-account payment is the future, with a lot of benefits, for both for us and our end-user. For Axactor, we get the data we need to be efficient, and reduced transaction times at a lower cost. For the debtor, the solution is intuitive, user-friendly and easy to use.”

Photo of Jonas Lisgård, CEO of Spense
Arnt André Dullum
COO of Axactor

Why A2A is a better
way to pay


Streamline payment processes, lower transaction costs, reduce manual processes and increase liquidity and predictability for your customers.

Reduces risk

A2A payments retain key account information such as KID number, provide payment status tracking via webhook, and direct integration with the banks and their authentication systems reduce risk.

Leading the way: How Axactor is taking debt collection into the future with open banking

Learn more
Let’s talk!

Curious if your business could benefit from open banking?

Join our newsletter ✨
Want to know what we're up to? Get our newsletter. No spam ever.
Thanks for signing up!
We'll keep you posted on the latest insights.
Oops! Something went wrong while submitting the form.
Neonomics AS is licensed as a Payment Institution (PI), Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP), issued by the Norwegian Financial Supervisory Authority (Finanstilsynet) passported across the EU.