Quickly find out what debts you haveSend your IDNP or the reference number from our letter to the INCASO bot on Telegram. Open
10B Calea Ieșilor St., 5th floor, Chișinău +373 22 89 66 89 sales@incaso.md Monday – Friday, 08:00 – 17:00
File a complaint Pay online
The no. 1 debt collection company in Moldova

We recover debts. We build agreements.

INCASO provides debt recovery services at the pre-trial, court and enforcement stages — with professionalism, efficiency and ethics. First of all we act as a mediator, so that the parties can reach an agreement.

I have a debt — pay online Check your debts on Telegram I am a creditor — request an offer →

Pay your debt online

No trip to the office. Payment is made securely, on the bank’s page.

  • Enter your case number or IDNP
  • Check the details and the amount
  • Pay by card or via PayPal
Continue to payment Can’t pay it all at once? Request an instalment plan
162 mii +Total Active
80%Loans
7%Utilities
21%Other types
Promotion

Noiembrie - luna fără datorii

În perioada 1 - 30 noiembrie 2026, INCASO desfășoară cea de-a 15-a ediție a campaniei „Noiembrie - luna fără datorii”. Persoanele fizice și juridice cu restanțe pot beneficia de reduceri de până la 60% la plata integrală a sumei restante. Pentru a afla ce reducere li se aplică și cât au de achitat, persoanele interesate pot accesa Asistentul Virtual INCASO pe Telegram, folosind numărul de referință din scrisoarea primită. Informațiile sunt disponibile și la numărul de telefon 022 959 359 sau 022 85 37 85.

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For debtors

Have a debt? Settle it the simple way.

Save time, stress and money: pay online or request an instalment plan, without coming to the office.

Pay online

Bank card via Victoriabank, or PayPal.

Pay →

Instalment plan

Ask to pay in instalments, according to your means.

Request →

Debtor’s guide

The consequences of non-payment and why an agreement is better.

Read →

File a complaint

A complaint or a concern? Get a registration number right away.

File →

Received a letter from INCASO?

Where does the debt come from?

A company you have a contract with, for example a bank, a telecom operator or a lender, has entrusted us with recovering the debt or has assigned it to us.

What can I do?

Check the amount, then pay it in full or request an instalment plan. If something is wrong, file a complaint and get a registration number right away.

What if I don’t pay?

The debt does not go away. Without an agreement, the case may go to court and then to enforcement. A call or a message now spares you these steps.

Consequences of non-payment
What INCASO letters look like

How to check that the letter is from us

Scammers sometimes use the names of well-known companies. Check before you pay.

  • Call +373 22 89 66 89 or send the reference number to our bot @INCASO_Bot.
  • Pay online only on incaso.md, on the “Pay online” page.
  • Never share your card PIN or the codes you receive by SMS.
For creditors

Recovery at every stage, from the first day past due

INCASO, the market leader in receivables management in the Republic of Moldova, has a clear mission: to improve payment discipline.

For every stage of delay

  1. 0–30 daysEarly collectionA timely reminder preserves the relationship with your customer.
  2. 31–90 daysAmicable collectionContact, mediation and a payment plan monitored monthly.
  3. 90+ daysOld receivablesAn individual strategy for long-overdue debts.
  4. CourtCourt and enforcementOnly when an agreement is not possible.

When do you need INCASO?

  • Accumulated debts hurt your company’s cash flow
  • Debtors avoid paying
  • Your own recovery attempts bring no results
  • You need monthly monitoring of due dates

How we start working together

  1. Portfolio analysisWe assess the receivables and propose a strategy.
  2. Contact and mediationThe debtor is contacted; we look for an agreement.
  3. Agreement or instalmentsA realistic payment plan, monitored monthly.
  4. Court and enforcementOnly when an agreement is not possible.

Get an offer for your portfolio

Tell us what receivables you have. We’ll come back with a strategy and terms.

Request an offer sales@incaso.md

Explained briefly, on video

Clear answers from the INCASO team to the questions we are asked most often.

All videos, on our channels: YouTube Facebook

Professionalism. Efficiency. Ethics.

INCASO provides receivables recovery services in telecommunications and microfinance, debt collection services for utility providers (telephone, gas, electricity, etc.), as well as recovery of debts owed to financial institutions.

INCASO’s successes and the experience gained since 2009 show that we are a team of professionals focused on maximum efficiency, and our client portfolio is further proof of the trust the company enjoys.

More about us

  • Professionalism

    A specialised team for every stage: amicable, court, enforcement.

  • Efficiency

    Digital processes, monthly reporting, measurable results.

  • Ethics

    Mediation first: we help the parties reach a settlement.

ISO certifications

  • ISO 9001 Quality management
  • ISO 14001 Environmental management
  • ISO/IEC 27001 Information security
  • ISO/IEC 27701 Information Privacy Management System

Member of

  • FENCA Federation of European National Collection Associations
  • AmCham Moldova American Chamber of Commerce
  • EBA Moldova European Business Association
News

Latest news

All news →

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