--- title: "Wanzeller and ACEMEL formalise protocol for Check NicePayer" description: "Wanzeller and ACEMEL formalise a protocol to frame Check NicePayer for debtor lists and commercial credit analysis in energy." url: "https://www.wanzeller.com/en/news/wanzeller-acemel-check-nicepayer-protocol-debtor-list/" language: "en" author: "Wanzeller" published: "2026-07-01T13:00:00+00:00" modified: "2026-07-07T15:12:22.405566+00:00" editoria: "Partnerships" --- # Wanzeller and ACEMEL formalise protocol for Check NicePayer **Protocol formalises the use of Check NicePayer with ACEMEL members.** ![Wanzeller and ACEMEL formalise protocol for Check NicePayer](https://www.wanzeller.com/media/images/capa-.2e16d0ba.fill-1200x675.format-webp.webpquality-75.webp) *Wenderson Wanzeller, João Nuno Serra and Carlos Moreno at the signing.* Vídeo relacionado: https://youtu.be/iUQ2y_RjZzM **Wanzeller** and [ACEMEL - Portuguese Association of Energy Retailers in the Liberalised Market](https://acemel.pt/) 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**](https://wendersonwanzeller.com/), for Wanzeller, by [**João Nuno Serra**](https://www.linkedin.com/in/jo%C3%A3o-nuno-serra-b18494b/), President of ACEMEL and CEO of ENFORCESCO/Yes Energy, and by [**Carlos Moreno**](https://www.linkedin.com/in/carlosfilipemoreno/), 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**](https://www.linkedin.com/in/ana-bernardo-52b2b6b1/), 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**](https://acemel.pt/associados/), the collaboration creates a framework to assess, communicate and consult relevant information on **commercial default** with criteria, governance and traceability. ![Da esquerda para a direita: Wenderson Wanzeller, João Nuno Serra e Carlos Moreno, durante a assinatura do protocolo Wanzeller-ACEMEL.](https://www.wanzeller.com/media/images/wanze_XmTciXT.2e16d0ba.fill-1200x675.format-webp.webpquality-75.webp) ![Wanzeller e ACEMEL durante a formalização do protocolo Check NicePayer.](https://www.wanzeller.com/media/images/wanze_4yiMW10.2e16d0ba.fill-1200x675.format-webp.webpquality-75.webp) ![Reunião de assinatura do protocolo Wanzeller-ACEMEL para enquadramento do Check NicePayer no setor energético.](https://www.wanzeller.com/media/images/wanze_Bgl5AJO.2e16d0ba.fill-1200x675.format-webp.webpquality-75.webp) > 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](https://nicepayer.com/pt-br/blog/lista-de-devedores-o-que-e-como-funciona-e-como-consultar/). 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. [Explore Check NicePayer](https://nicepayer.com/en/check-nicepayer/) ## 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](/noticias/lista-de-devedores-b2b-wanzeller-reforca-parceria-institucional-com-a-sibs-no-check-nicepayer/). The articulation with institutional partners connects **technology, governance and real market needs**. ![Wanzeller at the 5th SIBS LAB Partners Meeting](https://www.wanzeller.com/media/images/sibs-.2e16d0ba.fill-1200x675.format-webp.webpquality-75.webp) *Institutional context within the SIBS LAB ecosystem, relevant to the technical evolution of Check NicePayer.* > **Nota:** The agreement with ACEMEL creates an institutional reference for sector associations assessing commercial credit analysis technology as collective infrastructure for trust. ## 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. ## Termos deste artigo 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. Tags: ACEMEL, Wanzeller, Check NicePayer, debtor list, commercial credit analysis, SIBS LAB, energy sector ## Autoria - Wanzeller