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What are the phases of consumer collections?

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
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.

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