Finago Maksuvahti: the easiest way to recover overdue payments

Getting paid on time keeps your business moving. Finago Maksuvahti makes sure it happens without adding more work to your plate. Finago Maksuvahti is a modern and effortless way for businesses to speed up cash flow by outsourcing reminders and debt collection of overdue invoices. It is built into, so you can initiate and automate the process in just a few clicks.

This guide explains what Maksuvahti is, how it works, and why it is one of the most efficient ways to manage receivables.

What is Finago Maksuvahti?

Maksuvahti is a fully integrated debt collection service inside Finago Isolta. It lets you forward overdue invoices to a professional partner automatically or manually. The service is provided together with Kravia Finland Oy, ensuring a reliable and expert-led collection process.

There are no separate logins or complicated settings. Everything happens in Isolta, and the collection status updates automatically once a day. You always know where things stand.

How does Maksuvahti work?

Select overdue invoices

Choose which consumer or business invoices go to collection. If you have the Premium plan, you can set rules so certain invoices always move to Maksuvahti after a selected number of days. You can apply this automation to specific customers or based on due dates.

Let the experts handle collection

Kravia takes care of reminders and agreed collection actions, working efficiently and with respect for your customer relationships.

Get the payment automatically

After successful collection, the funds are transferred straight to your account. You can track everything in Isolta, with daily updates.

Why choose Maksuvahti?

Faster cash flow

Professional reminders and collection speed up access to your funds.

Save time and reduce workload

Hand over the process to experts so you can focus on growing your business.

No opening or subscription fees

Using voluntary collection with Maksuvahti is risk-free. Collection fees are charged to the debtor, not to you.

Maintain good customer relationships

Expert handling helps you keep the tone professional and your relationships positive, even when payment is late.

Quick and easy to start

Activate it directly in Isolta. No extra apps, data transfers, or new systems.

Which invoices can you send to Maksuvahti?

• Overdue invoices for consumers or businesses
• Invoices that match the original version sent (no changes before transfer to collection)
• Invoices with complete details: address, business ID (for companies), and correct interest rate for late payment

Note: Paid invoices cannot be sent to collection. Invoices with partial payments (recorded in the system) can be.

Pricing

For voluntary collection, you as the entrepreneur pay nothing.

• No opening fee
• No monthly fee
• No action-based charges
• Kravia keeps the collection costs paid by the debtor

If the process moves to legal collection, those costs will only be billed to you if you decide to proceed.

Who is Maksuvahti for?

Maksuvahti is ideal for:

• Small business owners
• Growing companies
• Businesses without an in-house finance team

It suits any sector where you invoice customers through Isolta. It streamlines cash flow and cuts the administrative burden.

Summary: simple, automated, risk-free

Finago Maksuvahti makes overdue invoice handling easy and automatic. It saves time, improves cash flow, and reduces financial admin stress. Together with Kravia’s professionals, it ensures a reliable, transparent, and customer-friendly process with no fixed costs.