🇩🇪Germany

Unbilled Services und Pricing-Fehler bei Multi-Currency Zahlungen

2 verified sources

Definition

Flywire and TransferMate charge implicit FX spreads (typically 1.5–3%). School invoices student for €2,500 course. Student pays $2,500 USD via Flywire. FX rate at time of student payment: 1 EUR = 1.08 USD → $2,500 = €2,315. Flywire applies spread (1 EUR = 1.12 USD): €2,500 invoice = $2,800 USD expected payment. Student only sends $2,500 USD, school receives €2,232. School staff may not notice €268 shortfall (10.7%) and mark invoice 'paid' instead of investigating. Across 200 international students/year = €53,600 undetected leakage. Additionally, free online tutoring or informal 1-on-1 lessons arranged outside the webshop are never invoiced (estimate 5–10% of course hours).

Key Findings

  • Financial Impact: €10,000–€25,000/year per school (2–5% revenue leakage). For €500,000 school revenue = ~€10,000–€25,000 direct loss. Multi-school network (20 schools, €10M aggregate revenue) = €200,000–€500,000 annual leakage.
  • Frequency: Every international payment; compounded monthly/quarterly as students accumulate unpaid services.
  • Root Cause: Manual FX tracking and invoice-payment matching. No automated detection of under-payment due to FX spreads. Informal service delivery (tutoring, exam prep outside course platform) not captured in invoicing system. Staff lacks visibility into which students have unbilled hours.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Language Schools.

Affected Stakeholders

Accounts Receivable Clerk, Course Administrator, Finance Manager, Tutor (informal services)

Deep Analysis (Premium)

Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Umsatzsteuer-Dokumentationsmängel bei internationalen Zahlungen

€5,000–€50,000 per audit finding + 5% annual Strafzinsen. For mid-size language school: ~€50,000 annual tuition × 15% error rate = €7,500 exposure. Multi-school network: €100,000–€500,000 aggregate penalty risk.

Verzögerter Zahlungseingang durch manuelle Bestätigung und fehlende Echtzeit-Abwicklung

€50,000–€125,000 annual working capital drag (€1M revenue base, 10–30 day extension). Opportunity cost at 5% = €2,500–€6,250/year per school. Network of 10 schools = €25,000–€62,500 aggregate annual loss.

Manuelle Zahlungsabstimmung als Kapazitätsengpass

€18,000–€36,000/year (1–2 FTE @ €18,000–€36,000 salary for AR function dedicated to this task). For a network of 10 schools = €180,000–€360,000 annual capacity cost.

Refunds und Rücklastschriften wegen Zahlungsfehlern

€1,000–€3,000/year per school (15–50 unnecessary reversals @ €30–€50 each). Network of 20 schools = €20,000–€60,000 annual loss.

Kapazitätsverlust durch Compliance-Bottlenecks

10-20% Kapazitätsverlust (€10.000-30.000/Jahr bei 200 Schülern)

Überlast durch manuelle Akkreditierungsberichte

20-40 Stunden/Monat à €50/h (Administrative Overhead)

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