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  • We process more than 12 million payment transactions, collect over €15 billion and handle more than 35 million invoices annually

  • With the recent acquisition of Credit Solutions, arvato is one of the UK’s leading providers of credit management and debt recovery

  • We work with 8 of the top 10 UK financial services companies, 6 of the top 10 UK telecommunications companies and all the major UK utility providers

billing and payment services

We reduce complexity and costs for our clients through easily configurable payment services that can be automated and require minimum maintenance.

payment processing

Through our global banking network, we manage multiple currencies and support all local and international payment methods.

Services include:

  • Lockbox handling
  • Cheque reading and file creation for system upload
  • Online credit card validation and batch processing
  • Direct debit processing and represent handling
  • Electronic Funds Transfer validation and processing
  • Payment file transfers to and from banks
  • Matching logic for payments on our platform
  • Bank statement reconciliation tool

billing and invoicing

We also provide billing and invoicing services for clients from a range of industry sectors, including entertainment, technology and e-commerce. These include services such as rating, aggregation, invoice production and distribution. Billing and invoicing can be linked to payment and collections services ensuring the full financial process is managed efficiently and effectively.

accounts payable and receivable

We process the payment of approved supplier invoices and credit notes, backing this up with a responsive customer and query handling service.

Globally, we deliver the entire process of debtor and creditor management in accordance with national tax laws and accounting principles, while supporting local payment preferences. Services include global cash management, complete end-to-end reconciliation and automated exception handling.


We manage all disbursements processes, including funding, bank account administration, approvals, reconciliation and accounting.


Fraud is a major concern for clients in both the private and public sectors. To safeguard against threats, we put robust security systems in place and ensure our systems and processes are fully compliant with security standards, such as PCI.

We employ dedicated IT security teams who carry out regular security audits, and monitor internal and external fraud attempts, progressively adapting our security procedures to deal with any potential new breaches. We also offer fraud consultancy and training services for clients.

risk management

We help clients minimise risk by analysing and scoring customer data, and maintaining constant checks of customers’ financial status. By reducing bad debt losses across all phases of the customer life cycle, our risk management service helps clients significantly increase their revenues. Our offering can be used by our clients at the start of a new customer relationship to enable appropriate decisions on how they want to treat their customers, including the definition of credit limits and payment methods.

For more information about our international operations visit