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FinXP and Trust Payments partner with Culpa Inkasso for innovative online debt collection solution

FinXP and Trust Payments partner with Culpa Inkasso for innovative online debt collection solution

FinXP, an award-winning payments fintech, in collaboration with Trust Payments, a disruptive leader in fintech, specialising in frictionless payments and value-added services for online and offline merchants, are delighted to announce a new partnership with the German debt collection company Culpa Inkasso.

Through the partnership, the two fintech businesses have delivered a novel and user-friendly solution that enables thousands of consumers to easily pay overdue invoices online. It has been built for customers who are defaulting on payments to Culpa Inkasso corporate clients.

Affected customers will receive a letter detailing the debt amount owed which will include a QR Code that directs the readers to a secure website where they can settle their debts. The customer has the option to pay using a range of online payment methods including SOFORT, Giropay, credit & debit cards, and bank transfers. The direct settlement between FinXP/Trust Payments and Culpa Inkasso allows for a quick and secure payout to the creditors that have engaged Culpa Inkasso.

This unique solution was developed in collaboration with Commonpay GmbH, an innovative technology company offering a wide range of integration solutions for the Financial Services industry.


“We are proud to have helped execute this novel solution that’s going to make the whole payment experience more seamless and as a result-helps the debtors, merchants, and our partners as well. This is in-line with our vision that payments should always be as user-friendly as possible”.


Dirk Schaarschmidt
Head of Business Development Projects, FinXP


“Making payments easy is what Trust Payments stands for and we are delighted to have collaborated with FinXP and Culpa Inkasso to find innovative ways to help consumers simplify how they settle overdue invoices in as simple a way as possible. Direct settlement approaches like this are key to making payments feel seamless and effective.”


Jonathan O’Connor
Chief Commercial Officer, Trust Payments


FinXP and Trust Payments offer exactly what we have been looking for on our innovative way: accessible, secure and convenient payment options in all directions. We look forward to a good cooperation with even more convenience for our customers”


Karin Löbl
Managing Director, Culpa Inkasso

About FinXP

FinXP Ltd., founded in 2014, is a Malta-based electronic money institution licensed by the Malta Financial Services Authority. The company’s mission is to enable its customers to quickly and easily, make and receive payments in whatever form best suits them. The company is registered with the European Payments Council and SWIFT, and it is a principal member of Mastercard. FinXP provides IBAN Accounts, Card-Issuing, an Omnichannel Payment Gateway with 300+ payment methods, Unique Pay-out Solutions, SEPA Direct Debit services, and Clearing services. It is a fast-growing player in the European PayTech industry. For more information visit

About Trust Payments

Trust Payments is a disruptive leader in fintech, specialising in frictionless payments and value-added services for online and offline merchants. We provide on-demand Payments and Banking-as-a-Service services to help businesses grow and scale online, in-store, and on mobile.

Trust Payments is licenced by both the Malta Financial Services Authority and the UK Financial Conduct Authority and holds licences in 7 US States to carry out regulated payments in gaming.

Find out more at

About Culpa Inkasso

Founded in 2003 in Stuttgart, Culpa Inkasso became one of the most successful debt collection companies in Germany – with up to 25% higher success rates than its competitors. Whether dunning service, debtor management, debt collection, compulsory enforcement, telephone or field service: you can rely 100% on Culpa Inkasso’s efficiency.

Security statement

Security is our top priority at Trust Payments and we strive to ensure that all data is kept secure at all times We keep all customer data safe with AES256 encryption, SSL Certificates, and a minimum of TLS1.2, between your website and our datacentres.

Our systems are scanned quarterly using the Qualys PCI Platform, an independent Qualified Security Assessor (QSA) and approved vendors – Omnicybersecurity (UK) & Forgenix (US) – to ensure compliance with the security requirements of the card schemes.

We follow a number of rigorous security procedures on a daily basis including, but not limited to, continuous monitoring of our perimeter, dark web monitoring, and internal checks to ensure that CIA triad is maintained at all times.