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B2B Credit Scoring API — Decision in < 30 Seconds

Integrate an SME credit scoring engine directly into your decision workflow. Documented REST API, webhooks, SDKs available.

Buy Now Pay Later Challenges

The Challenge: Instant Decision

In BNPL, user experience depends on speed. A customer at checkout cannot wait: any latency is a lost opportunity.

  • •Cart abandonment if decision > 3 seconds
  • •Intense competitive pressure
  • •High transaction volumes to handle
  • •Infrastructure costs if API is slow

The Risk: Bad Debt & Fraud

BNPL fintechs face structurally higher default rates than traditional credit.Scoring quality is critical.

According to a KPMG 2024 study: The average BNPL default rate in Europe ranges between 4% and 8%, compared to 2-3% for traditional revolving credit.

A scoring error costs: credit amount + collection costs + deteriorating operating margin.

API Performance: Optimized Architecture

High Performance Architecture

Our API is designed for optimal response times, tailored to BNPL and fintech needs.

  • Edge computing infrastructure: Data distributed closest to your users
  • Intelligent caching: Optimized responses for frequent queries
  • Algorithm optimization: High-performance ML models without compromising accuracy
  • Automatic horizontal scaling: Handles traffic spikes (Black Friday, sales)

Availability & Reliability

A scoring API must be always available. Every minute of downtime = direct revenue loss.

99.9%guaranteed uptime (SLA)

Less than 44 minutes of downtime per month

  • Multi-zone geographical redundancy
  • 24/7 monitoring with proactive alerts
  • Automatic failover in case of incident
  • Dedicated technical support for fintechs

What the API Does Today

Score in < 30 seconds

Simple JSON payload : { siren, amount, sector }

Instant response : score 0-100 + decision APPROVED/REVIEW/DECLINED

Multi-source

Open Banking, accounting data, legal BODACC, behavioral signals.

Consolidated intelligence for reliable SME scoring.

Native Explainability

5 contributing variables per score, AI Act ready.

Understand why score is 71, not 65.

Real-time Webhooks

Alerts if a client's score degrades.

Continuous monitoring without polling.

Integration Example

POST /api/v1/score
Content-Type: application/json

{
  "siren": "123456789",
  "amount": 15000,
  "sector": "BTP"
}

Response (28ms):

{
  "score": 71,
  "decision": "REVIEW",
  "signals": [
    "stable_payment_flow",
    "recent_director_rotation"
  ],
  "ia_act_compliant": true
}

Ready to Deploy the API?

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