Pactum Collections GmbH is a debt collections company based in Berlin, Germany. Established in 2016, the company originally served as a central competence center for Ferratum Group but has since expanded its services across 20 markets in Europe and beyond. Utilizing advanced behavioral science and artificial intelligence, Pactum offers comprehensive receivables and portfolio management services, including both collections processes and the acquisition of non-performing portfolios. The company's state-of-the-art collections platform and experienced team aim to optimize cash flows for businesses while reducing daily sales outstanding. Pactum emphasizes a streamlined approach through one team, one contract, and one IT setup to serve clients effectively across Europe.