Get kvit.
Every invoice. Read, chased, and resolved by an AI agent that lives inside Stripe, Lexoffice, and Sevdesk. Multilingual. Empathic. Calm.
Built by the engineering behind a €10M-ARR receivables platform.
Built on the European stack
Direct integrations with Stripe, Lexoffice, and sevDesk · email via Postmark · LLM via Anthropic · Postgres on Neon (Frankfurt). Data stays in the EU.
Europe's SMEs are bleeding cash.
You're not imagining it. The data is worse than you think.
of B2B invoices in Western Europe are overdue
INTRUM EUROPEAN PAYMENT REPORT 2025
European businesses face closure within 2 years from late payment
INTRUM 2025
in cash locked up in EU SME late payments every year
EUROPEAN COMMISSION 2025
Every day you keep doing this manually is a day someone you employ loses sleep over payroll.
Collection agencies were built for the 1990s. We weren't.
| Legacy collection agency | kvit | |
|---|---|---|
| Fee | 15-35% of recovered | 4% of recovered |
| Upfront cost | Contract + setup | €0, start free |
| Debtor experience | Hostile letters, robocalls | Empathic, multilingual, self-serve |
| Channels | Letters, calls | Email, voice, SMS, WhatsApp, letter |
| Operations | Call-center staff | AI agent, 24/7, all languages |
| Integration | CSV upload, fax | Stripe / Lexoffice / Sevdesk in 60 seconds |
| Court filings | Manual lawyer network | Automated Mahnverfahren (Pro) |
| Brand impact | Hostile tone, high complaint rates | Designed to preserve the customer relationship |
Plug in. Watch invoices clear.
Connect
60 seconds. OAuth into Stripe, Lexoffice, or Sevdesk. We read your invoices — never your customers' card data.
Set the tone
Pick your language and voice. We draft every nudge in your name, send it from your email, and use your phone number for calls.
Get kvit
We chase. They pay. You see numbers move in your dashboard. No drama.
Every action explained. Every euro tracked.
A clean dashboard. An auditable history. No black-box magic.
Five channels. Six languages. Zero human time.
Personalised per debtor. Sent from your own domain.
SMS
When emails go unread. Twilio-powered.
Where 81% of Germany already talks business.
Voice
AI calls in DE/EN/FR/ES/IT/NL. Transcribed.
Letter
When digital fails, paper lands. Print-partner-backed.
Always sent in the debtor's preferred language, on their preferred channel, at the right time. The agent learns.
Up to 10× cheaper than legacy collection.
- 10 invoices / month
- AI email dunning
- 6 European languages
- Stripe connector
- Audit log
- Everything in Free
- Unlimited invoices
- Voice agent (DE/EN/FR/ES/IT/NL)
- SMS + WhatsApp
- Default scoring
- Branded debtor portal
- Lexoffice + Sevdesk
- Everything in Pro
- Mahnverfahren filing (DE) via BfJ-registered Inkasso partner
- Court-stage escalation (DE)
- Austria / Switzerland via licensed local partners — planned 2027
- Priority support
Comparison vs. 15–35% legacy collection-agency success fees (BDIU public data). All plans designed for EU data residency and GDPR-aligned processing. Audit log recorder, AVV template, and human-override interface roll out with backend v1.
We've shipped this before. With humans. This time, without.
kvit is built by the engineering team behind one of Europe's fastest-growing digital collection platforms — the one that scaled from zero to in under 12 months. We built every integration, every dunning workflow, every multi-channel pipeline. We saw exactly where the human ops broke down.
Now, voice AI is finally good enough that the entire operation can run without people in the loop. Cheaper. Calmer. Better for the debtor. Better for the creditor.
We started kvit in May 2026. Remote-first, Berlin-rooted, and obsessed with one number:
The boring questions, answered.
Operator notes on receivables, EU regulation, and AI — read by the people who do this every day.
Stop chasing. Start collecting.
Free for the first 10 invoices per month, forever.