Wanzeller and ACEMEL formalise protocol for Check NicePayer

Wanzeller and ACEMEL - Portuguese Association of Energy Retailers in the Liberalised Market formalised, on 1 July 2026 in Lisbon, a collaboration protocol to frame Check NicePayer for the energy sector. The initiative positions the platform as a tool to support debtor list governance, commercial credit analysis and the protection of business relationships between companies.

The document was signed by Wenderson Wanzeller, for Wanzeller, by João Nuno Serra, President of ACEMEL and CEO of ENFORCESCO/Yes Energy, and by Carlos Moreno, Board Member of ACEMEL and CEO / Founding Partner of Usenergy. The institutional preparation and processing of the protocol also included the coordination of Ana Bernardo, Executive Director of ACEMEL.

For Wanzeller, the protocol is an institutional milestone. It formalises the application of a proprietary platform designed to reduce uncertainty in commercial relationships within a sector association with an organised presence in the liberalised energy market.

For ACEMEL, which brings together 22 active members, the collaboration creates a framework to assess, communicate and consult relevant information on commercial default with criteria, governance and traceability.

The protocol with ACEMEL reinforces Check NicePayer’s mission: to transform dispersed information about commercial risk into useful digital infrastructure for safer, more predictable and more responsible decisions.

— Wanzeller

Debtor list and commercial credit analysis in the energy sector

The energy sector operates with recurring contracts, financial exposure, payment terms and ongoing relationships between companies. In this environment, a well-governed debtor list is not only a register: it is an instrument of prevention, transparency and commercial responsibility.

Check NicePayer was presented to ACEMEL as a private platform to register and consult information about overdue commercial debts, support commercial credit analysis processes and reduce information asymmetries before new decisions on supply, payment terms or financial exposure.

For additional technical context, NicePayer maintains a public explanation of what a debtor list is, how it works and how to consult it. In the protocol with ACEMEL, this concept gains an association and sector framework, with potential to support companies that need to assess risk more objectively.

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Technological context with SIBS LAB

The evolution of Check NicePayer is also connected to Wanzeller’s institutional path within the SIBS LAB ecosystem. The platform was presented at an ACEMEL Board meeting, in an institutional setting involving Wanzeller and SIBS, reinforcing the project’s technological, experimental and institutional dimension.

This context is relevant because it positions the platform as a structured development solution focused on debtor lists, risk analysis and the protection of commercial relationships. The articulation with institutional partners connects technology, governance and real market needs.

Expected impact for sector associations

The ACEMEL-Wanzeller protocol points to a replicable path for other business associations: combining institutional governance, objective criteria and a digital platform prepared to communicate sensitive commercial information securely and with practical value.

When an association creates conditions for its members to consult risk signals in an organised way, the market tends to gain predictability. The proposal does not replace internal credit policies, contracts or legal assessment; it adds a structured information layer to support decisions and reduce room for moral hazard.

Next institutional step

Wanzeller treats the protocol with ACEMEL as a reference for the institutional expansion of Check NicePayer. The goal is to mobilise associations, companies and partners looking for more transparent mechanisms to deal with commercial default, payment history and commercial credit analysis.

The case brings together three central elements: ACEMEL, a sector association with reach in the energy market; a Portuguese technology platform focused on commercial credit analysis; and an institutional collaboration movement to transform information into protection for commercial relationships.

Quick reference

Terms in this article

Quick references to follow the main concepts mentioned in the article.

Debtor list

A structured mechanism to register, communicate and consult information about overdue commercial debts, with defined governance and criteria.

Commercial credit analysis

The process of assessing the risk of a commercial relationship before granting payment terms, providing services or assuming new financial exposure.

Moral hazard

A situation in which an agent may take on greater risk when they believe the consequence will not be known or borne by them.

Information asymmetry

An imbalance in which one party has relevant information about risk or commercial history that the other party does not know at the decision point.

Data governance

A set of rules, responsibilities and controls that guide how data is handled, consulted, protected and audited.