The service you deserve: The UNIVERSUM Group is a leading provider of payment guarantees with a comprehensive package of solutions for accounts receivable management to ensure liquidity in e-commerce.

From a single source: All the services the UNIVERSUM Group provides incorporate our complete product portfolio: everything from secure purchase on account, instalment and direct debit from the FlexiPay® brand to the entire life cycle of receivables. From credit checks before the purchase to recovery of the whole amount during debt collection, both nationally and internationally.

Online and offline: FlexiPay® omnichannel solution adjusts the payment options according to the customer’s credit rating during the checkout process, both in e-commerce and in-store settings. Receivables arising from purchases on account, purchases by instalments or direct debit are immediately secured by means of a payment guarantee and are therefore protected against defaults, resulting in a higher conversion rate and a greatly reduced level of risk.

Experience and expertise: UNIVERSUM Group has been in the market for more than 3 decades and has many years’ experience in e-commerce payment and accounts receivable management, as well as a high level of industry expertise and a service ethos that meets the most demanding requirements. 

Trust and professionalism: UNIVERSUM Group is a member of the German Association of Debt Collection Companies (Bundesverband Deutscher Inkasso-Unternehmen e.V. – BDIU) and is certified by the Technical Inspection Association (TÜV), which means that they meet the highest standards of professionalism and the stringent requirements concerning the practising of the profession in a proper, conscientious and law-abiding manner. The FlexiPay® omnichannel solution has been commended by Händlerbund, the German e-commerce association.






Facts & Figures UNIVERSUM Group

Founding year 1968
heidelpay Group company since January 2019
Employees around 160
Markets DACH region
Customers Deutsche Bahn Vertriebs GmbH, Weltbild, Netto Marken-Discount, Plus.de, HSE24, abracar and many more
Head office Frankfurt/Main
Management Ralf Linden
Legal form GmbH
Website www.universum-group.de
Services Collections management, payment solutions, liquidity management, risk management
Memberships Member of the Federal Association of German Debt Collectors (BDIU),Member of the Federal Association for Credit Management (BvCM), ECC Club Member