Arvato Financial Solutions

Your backbone for growth.
Create trust through expertise.

Invoicing, Accounting & Payment:
Customized payment solutions and order to cash outsourcing

B2B Factoring by BFS finance:
More customers. More security.
Greater liquidity.

Secure liquidity and worldwide growth –
through innovative
Debt Collection services.

Experience now, pay later.
AfterPay – the customer-friendly
Pay-after-Delivery solution.

KYC network solutions:
cinfoni – customer information network intelligence

Achieve your business objectives - with data, advanced analytics, innovative decision-making platforms.

Let’s face it: finance is complicated...

...that’s why we see ourselves as your trusted partner guiding you efficiently through the complexity of credit management. By means of predictive analytics, leading-edge platforms, and international process expertise, we’re backstage working continuously and efficiently to digitally transform your business, so it receives your undivided attention - ultimately giving you space for growth, no matter what, or where, you operate.

Our product portfolio

Invoicing, Accounting & Payment

From the integration of suitable payment methods to flawless and secure invoice factoring to professional accountancy, global or local – Arvato Financial Solutions supports your business.

B2B Factoring

Factoring - Would you like to have more financing flexibility to finance your revenue growth, grant extended payment terms without suffering cash shortages, enjoy procurement benefits or expand your production?

Debt Collection Management

Rely on tailor-made solutions in receivables management.


All our partners have a brand and a story. And our mission is to extend and facilitate your story, not to compete or be the main actor in it. We believe in partnership and true collaboration.
Let’s face it, no one wakes up in the morning with the desire to complete payments. We’d rather explore and experience the day ahead. During that day, enjoyable shopping is something that many people wish for. And payment is – for a fact – an essential part of that shopping experience. We are there to make consumers feel more secure, we generate trust and we give consumers a new way to manage their finances. We are a new touchpoint for your customers, all the way to post-purchase and loyalty.
That’s our role in your story.

Credit Risk & Fraud Management

Experian and Arvato Financial Solutions Risk Management join forces in a new partnership. We already provide our clients the right risk management, fraud and data solutions.
Now we’re adding another powerful player to the team.
We’re joining forces with the global data leader Experian to help you unlock even more opportunities and redefine what’s possible for your business.

KYC network solutions

As a global KYC expert, cinfoni creates and transmits uniquely verified customer data worldwide and brings it in line with regulatory requirements. With the clear aim of making international finance sustainably secure and supporting it in curbing the financing of terrorism and money laundering.
cinfoni enables companies to reduce costs, achieve full transparency and conclude banking transactions more quickly.
Banks benefit from massive cost savings, increased data quality, compliance with regulatory requirements and risk minimisation.

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Corona Pandemic - we're here for you

Especially in these special times, we believe that the greatest possible stability is essential in all our business activities, but it is also the greatest challenge. That's why we do our best every day to support you with our financial services so that you can concentrate fully on your core business.

You will find our specific insights and findings on the effects of the Corona pandemic on this page.

News from Risk Management

Experian and Arvato Financial Solutions Risk Management join forces in a new partnership to add speed, scale and innovation to companies. 

About Arvato Financial Solutions

Diversity at Arvato Financial Solutions




The IDAHOBIT as “International Day Against Homophobia,
Bi-, Inter- and Transphobia” reminds not only since 1990 that homosexuality is not a disease and has been removed from the index of the WHO.

It also reminds us that we continue to fight against discrimination and feel connected to plurality, diversity and openness in society.
As an employer, it is our duty to ensure a working atmosphere that shows diversity, tolerance and respect for all colleagues.

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