The score specially designed for split payments
Payment Score gives you true control over risk, and automates your credit decisions as you move through the purchasing journey.
Assessing the risk of payment default is a major stake for "Buy Now, Pay Later" (BNPL) players. However, this risk assessment is complex in the absence of a behavioral history to support decision-making.
Payment Score is a behavioral score ranging from 1 to 10, which automates decision-making while reducing the risk of payment default and non-payment by up to 40%.
In addition to boosting your profitability through better risk management, this score responsibly protects your customers from over-indebtedness.
A fast, smooth payment journey
The credit check is carried out in just a few clicks, without disrupting the shopping experience. Once the bank accounts have been aggregated, the analysis takes just a few seconds, and the decision is instantaneous.
Effective risk management
Based on analysis of banking data via Credit Insights, Payment Score delivers a risk score for informed decision-making.
A question about Payment Score?
See our FAQ or contact us for more information.
What's the difference between Payment Score and Credit Score?
Credit Score and Payment Score are two distinct indicators of an individual's creditworthiness, each designed for a specific purpose.
Credit Score is a global evaluation, rated on a scale from 0 to 1000, based on the individual's long-term financial behavior, and defining as default 3 consecutive months of unpaid debts within the first 12 months of repayment.
Payment Score is an evaluation rated on a scale of 1 to 10. It focuses on the probability of default within 3 months of aggregation, and considers 1 month of non-payment within these 3 months as a default.
In which countries is Payment Score available?
Payment Score is available in most European countries. You will find the geographical coverage of our products on this page.
Which Payment Score applications are you best suited to?
Payment Score is particularly well-suited to short-term credit decisions, such as those linked to "Buy Now, Pay Later" (BNPL) services or short-term loans.
Payment Score focuses on assessing the probability of default within a 3-month period following account aggregation. By taking into account factors such as the evolution of the account balance and the regularity of income, Payment Score offers a rapid but relevant overview of an individual's recent financial behavior.
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