Vindicat Review 2026: Pricing & Costs

Bottom Line Up Front

Vindicat is a well-established Polish collections platform with real institutional credibility - it has been operating since 2014, claims over 20,000 users, and has formal partnerships with PKO BP, BNP Paribas, and Alior Bank. Its flagship VCAT robot automates a 10-stage soft collections workflow, and its BIG InfoMonitor integration means you can flag non-paying clients in a credit bureau with a few clicks.

That said, Vindicat is a collections-only tool. It does not handle invoicing, and it has no KSeF (Poland's mandatory e-invoicing system, compulsory for most businesses from April 1, 2026) integration. For Polish SMBs looking for one platform to issue invoices and chase late payments, Vindicat leaves a significant gap.

This review covers what Vindicat does well, where it falls short, what it actually costs, and which businesses are best served by it - and which are better served by an alternative like Terminovo.

What Is Vindicat?

Vindicat is a Polish B2B SaaS platform launched in 2014 and focused exclusively on online debt collection - what is sometimes called soft collections. Its value proposition is straightforward: upload your overdue invoices, let the VCAT robot handle the reminder and escalation sequence, and recover more money without hiring a collections agency.

The platform operates within the Polish legal and financial ecosystem. Its partnerships with three major Polish banks (PKO BP, BNP Paribas, and Alior Bank) give it a degree of institutional legitimacy that newer entrants cannot match. Those partnerships also form part of Vindicat's sales channel - some bank clients are referred directly to the platform.

Vindicat's 10 years of operating history is a genuine differentiator in a market where many software vendors come and go. The product has been stress-tested across economic cycles, and its legal document generation features reflect real-world feedback from Polish business owners who have pursued overdue clients through the courts.

Vindicat's Core Features

The VCAT Robot (10-Stage Collections Process)

The VCAT robot is Vindicat's centrepiece. Once you add an overdue invoice, the robot initiates a pre-defined sequence of contact attempts across email, SMS, and phone. The 10 stages move from gentle reminders to formal demands, with escalating tone and urgency at each step.

The logic is sound: most late-paying clients respond to the first or second contact, so automating those early touches saves significant time. For clients who go silent, VCAT escalates to more formal communication while keeping a full audit trail of every interaction - useful if the case eventually goes to court.

The sequence is configurable to a degree, though Vindicat's default 10-stage process is designed to cover most B2B scenarios out of the box.

BIG InfoMonitor Integration

BIG InfoMonitor is Poland's largest credit information bureau. A listing in BIG InfoMonitor signals to other creditors - banks, leasing companies, suppliers - that a company has outstanding debts, which can significantly increase a non-paying client's motivation to settle.

Vindicat's direct integration with BIG InfoMonitor is a meaningful feature. You can report a debtor without leaving the platform, and the threat of such reporting is often enough to prompt payment before the listing actually goes live.

This feature is particularly valuable for businesses dealing with B2B clients who rely on credit facilities or have ongoing relationships with financial institutions. A BIG InfoMonitor flag can create real commercial pressure where polite reminders have failed.

Note: BIG InfoMonitor reporting is not included in the base subscription. It carries additional fees - more on that in the pricing section.

Court Document Generation

When soft collections fail, Vindicat can generate the legal documents needed to apply for a payment order (nakaz zapłaty) in Polish court. This is a genuine time-saver: preparing court paperwork correctly requires knowing which forms to use, how to calculate statutory interest, and how to present the invoice evidence. Vindicat automates much of this.

Again, this is not included in the base subscription and carries additional fees. But for businesses that occasionally need to escalate to formal proceedings, having the document generation built into the same platform where they tracked the original debt is operationally convenient.

10 Years of Platform Maturity

A decade of operation means Vindicat has refined its workflows based on real collections outcomes. The platform's user interface reflects genuine iteration - it is not a product that was designed in a vacuum. For businesses with complex receivables portfolios and experienced accounts receivable staff, Vindicat's depth of functionality is a legitimate advantage.

Vindicat Pricing: What You Actually Pay

Vindicat operates on a subscription model with additional fees for premium features. The base plans range from approximately 169 PLN per month to 679 PLN per month, depending on the tier and the number of active cases you manage.

On top of the subscription, you pay separately for:

• BIG InfoMonitor reporting - per-debtor fees apply each time you register or update a listing
• Court document generation - charged per document set, not included in standard tiers
• SMS reminders - the volume of outbound SMS contacts may affect your effective cost depending on your plan

This means the advertised monthly subscription is rarely the total cost. A mid-size business actively working 30–50 overdue invoices per month, occasionally filing BIG InfoMonitor reports and generating a court document or two, can realistically spend 400–800 PLN per month in total - before any external legal fees.

For a business with infrequent late payments - say, five to ten overdue invoices per month - the entry-level 169 PLN subscription may feel expensive relative to the volume of cases being managed. The cost-per-case economics only become favourable at higher volumes.

User Opinions: What Actual Vindicat Users Say

Vindicat's user base is generally positive about the platform's core functionality. Common themes in user feedback include:

• The VCAT automation genuinely saves time. Users who previously chased invoices manually - writing individual emails, making phone calls, tracking responses in spreadsheets - report meaningful time savings once the automation is running.
• The BIG InfoMonitor integration is effective. Multiple users report that the threat of BIG registration was sufficient to prompt payment from previously unresponsive clients. The psychological effect of a formal credit bureau listing is significant in the Polish market.
• The bank partnerships add credibility. Some users find that referencing Vindicat's PKO BP or BNP Paribas connections in client communications adds a layer of seriousness to their collections process.
• The pricing feels steep for low-volume users. Smaller businesses and freelancers with only occasional overdue invoices question whether the monthly subscription cost is justified by the recovery benefit.
• No invoicing is a real gap. Users who need to both issue KSeF-compliant invoices and manage late payments report frustration at having to maintain separate tools for each function.

Vindicat's Limitations

Collections Only - No Invoicing, No KSeF

This is the most significant structural limitation for Polish SMBs in 2026. KSeF - Poland's mandatory e-invoicing system - became compulsory for most businesses on April 1, 2026. Every B2B invoice must now be issued through the government's KSeF infrastructure.

Vindicat does not issue invoices. It does not connect to KSeF. If you use Vindicat for collections, you still need a separate invoicing tool - one that is KSeF-compliant. That means two subscriptions, two interfaces, and manual data transfer between systems when an invoice goes overdue.

For businesses where invoicing and payment recovery are tightly linked workflows - which is most businesses - this fragmentation creates operational overhead and increases the risk of errors (such as chasing the wrong amount because invoice data was not transferred correctly).

Higher Cost for Lower Volumes

Vindicat's subscription pricing makes most sense for businesses with a steady, high volume of overdue invoices. For SMBs with fewer than 15–20 active collections cases per month, the per-case cost at 169 PLN per month is difficult to justify against simpler alternatives.

The additional fees for BIG InfoMonitor and court documents compound this: you pay the subscription whether or not you use those features in a given month, and then pay again when you do use them.

No Single Platform for Invoicing and Collections

Many Polish SMBs - particularly freelancers, sole traders, and businesses with fewer than 20 employees - want to manage their entire receivables workflow in one place: issue the invoice, track whether it has been paid, send a reminder when it hasn't, and escalate if needed. Vindicat only covers the back half of that workflow.

This limitation will become more pronounced as KSeF compliance becomes the norm. The businesses that benefit most from integrated invoicing and collections are exactly the segment that Vindicat's pricing and feature set makes it hardest to serve well.

When Vindicat Is the Right Choice

Vindicat is a strong fit if:

• You have a dedicated accounts receivable function and already use a separate accounting or invoicing system that integrates with KSeF
• You regularly pursue overdue B2B debts and the BIG InfoMonitor integration is a routine tool in your collections process
• You occasionally need court-ready documentation and want that generated within the same platform as your collections workflow
• You have 30+ active overdue cases per month where the subscription cost becomes proportionally reasonable
• Your clients are credit-sensitive - i.e., they rely on bank lending or trade credit, making BIG InfoMonitor registration a genuinely powerful lever

In short: Vindicat is built for businesses that treat collections as a serious, ongoing operational function - not an occasional inconvenience. If that describes your business, and you already have your invoicing sorted elsewhere, Vindicat's 10-year track record and institutional partnerships make it a credible choice.

When Terminovo Is the Better Fit

Terminovo is built for Polish SMBs, freelancers, and accounting offices that need invoicing and payment recovery in a single, integrated platform - with KSeF compliance built in from day one.

Here is where the two products diverge:

• KSeF-compliant invoicing is included. Terminovo's Free plan (PLN 0) covers KSeF invoicing. You issue invoices through Terminovo, and overdue invoices flow directly into the payment recovery workflow - no data transfer, no second system.
• Payment recovery automation is built on top of your invoices. Because Terminovo holds both the invoice and the payment status, reminders are triggered automatically based on actual payment data - not on data you manually import from somewhere else.
• Pricing is more accessible for lower volumes. Terminovo pricing starts at PLN 49 per month (approximately EUR 11) for the Starter plan, and the Free plan covers basic invoicing indefinitely. For businesses with occasional late payments, the cost-per-case economics are significantly better than Vindicat's entry-level subscription.
• No separate BIG InfoMonitor fees or court document fees. Terminovo's Professional (PLN 119/mo) and Business (PLN 499/mo) plans are priced to include the reminders you need without per-action add-on costs.

Terminovo is the better fit if:

• You need KSeF-compliant invoicing and do not want to pay for two separate tools
• You are a freelancer, sole trader, or SMB with fewer than 30 active overdue cases per month
• You want payment reminders to trigger automatically from your actual invoice data
• You want predictable, flat monthly pricing without per-action fees for BIG or court documents
• You are setting up collections automation for the first time and want a single onboarding process

Vindicat vs Terminovo: Side-by-Side Comparison

Feature	Vindicat	Terminovo
KSeF e-invoicing	No	Yes (free)
Automated payment reminders	Yes (VCAT robot)	Yes
BIG InfoMonitor integration	Yes (extra fee)	Roadmap
Court document generation	Yes (extra fee)	No
Bank partnerships	PKO BP, BNP Paribas, Alior	No
Entry price	169 PLN/mo	0 PLN (Free plan)
Collections + invoicing in one platform	No	Yes
Years in operation	10+ (since 2014)	Newer entrant
Best suited for	High-volume collections, established accounts receivable teams	SMBs, freelancers, accounting offices needing invoicing + collections

Frequently Asked Questions

Q: Is Vindicat legal to use for chasing your own overdue invoices?
A: Yes. In Poland, recovering your own receivables through automated reminders and formal demands does not require a collections licence. A licence is only needed if you are recovering debts on behalf of third parties as a commercial service.

Q: Does Vindicat work with KSeF invoices?
A: Vindicat does not issue KSeF invoices, and its platform is not a KSeF-integrated invoicing tool. You would need to issue KSeF-compliant invoices through a separate system and then load the overdue cases into Vindicat manually or via import.

Q: What happens if Vindicat's VCAT robot cannot recover the debt?
A: Vindicat supports escalation to BIG InfoMonitor registration and court document generation, both at additional cost. If formal court proceedings are needed, you would typically engage a solicitor separately - Vindicat generates the paperwork but does not provide legal representation.

Q: Can Terminovo replace Vindicat entirely?
A: For most Polish SMBs - those primarily needing automated reminders, KSeF invoicing, and a single platform for the whole receivables workflow - yes. For businesses that specifically need BIG InfoMonitor integration as a regular collections tool or require court document generation on a regular basis, Vindicat currently has features that Terminovo does not.

The Bottom Line

Vindicat is a mature, credible product with a genuine track record. Its VCAT robot, BIG InfoMonitor integration, and court document generation are well-suited to businesses with high collections volumes and dedicated accounts receivable staff. The bank partnerships and decade of operational history are real differentiators.

But Vindicat is a collections-only tool in a market that is rapidly shifting toward integrated invoicing and payment recovery. With KSeF now mandatory for most Polish businesses, the operational cost of running a separate invoicing system alongside Vindicat is higher than it used to be - both in subscription spend and in daily workflow friction.

If you issue invoices, track payments, and chase overdue clients - which describes most Polish SMBs - Terminovo gives you all three in one platform, starting free. If your business has outgrown simple reminder automation and regularly needs BIG InfoMonitor leverage or court-ready documentation, Vindicat is worth the premium.

The right choice depends on your volume, your existing toolstack, and how often you need to escalate beyond a well-timed reminder.

For a side-by-side breakdown, see the Terminovo vs Vindicat comparison or explore Vindicat alternatives. If you are also evaluating your invoicing setup, our guide to the best invoicing software 2026 covers tools that combine invoicing and payment recovery in one platform.