Creditscore API

Integrate manual or automated credit checks via API into your online shop or other applications and avoid payment defaults.

No more payment failures

Customers who don't pay are extremely frustrating and costly. Avoid payment defaults by checking creditworthiness before offering payment methods like SEPA direct debit, invoice, or installment plans. With the Creditscore API, you can assess the likelihood of payment default in real time and adjust your payment options accordingly.

How does that work?

You provide the customer's address and ideally their date of birth, along with the purpose of the credit check (e.g., purchase agreement), and receive a real-time credit score as a number between 1 and 1000.

Want to see the data quality for yourself? Contact us now and receive free credit checks.

Pricing

Take advantage of our clear and fair pricing model.:

Get started right away:

Try it

Integration & Plugins

You can use the Creditscore API

.
A sample request would look like this.

curl -X POST https://creditscore.eu-west-1.wunderkopfservices.de/v1/person_score_de \
-H 'Authorization: Bearer $your_base64_encoded_access_token' \
-H 'Content-Type: application/json' \
-H 'x-organization-id: $your_organization_id' \
-H 'Accept: application/json' \
-d '{
 "customer_reference_id": "123",
 "purpose": "sale",
 "birthday": "1980-11-04",
 "address": {
    "firstname": "Max",
    "surname": "Mustermann",
    "street": "Musterstraße",
    "streetnr": "30",
    "postcode": "22869",
    "city": "Schenefeld"
 }
}'

We offer client libraries for various programming languages as well as plugins for third-party systems to make integration easier. In addition, we provide a testing environment so you can easily test your own integrations. If you need support during the integration process, we’re here to help you every step of the way.

To the documentation

Why should I offer high-risk payment methods myself?

“PayPal, Klarna & Co. already offer direct debit and invoice purchases – so why should I bother handling it myself?”

Cost Savings

Payment service providers charge high fees for every transaction. Current standard rates are:

Here’s what that means in practice:

For a yearly revenue of 5 million € and an average order value of 60 € (approx. 83,333 orders), the total fees are:

By handling even part of these transactions yourself, you unlock significant savings potential.

Independence

PayPal, in particular, can pose a major risk for merchants:

While many customers prefer PayPal – and you’ll likely still want to offer it – we strongly recommend diversifying risk and not relying entirely on a single payment service provider.