Trustly currently has 2 phases (plus 1 optional phase) of collections a consumer may experience if they don't pay off outstanding debt.
First Phase - Merchant Collections:
First Phase - Merchant Collections:
In this phase, Trustly informs the merchant of return events and the merchant attempts to collect funds from the consumer. This duration varies by merchant.
Second Phase - Agency / 3rd Party Collections:
In this phase, 3rd party collections is when the customer's information is sent to a collection agency. In most cases, the agency is InDebted. In some cases, the agency is a TeleCheck partner.
Optional Phase - Self-Pay Collections:
In this phase a consumer may elect to pay a debt directly to Trustly. There is no set duration for this phase and consumers may pay the debt directly at any time.
