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Credit Check

Protect yourself against payment defaults

Protect yourself

against payment

defaults

Credit Check

Fewer bad debts, lower risks and more success! With our comprehensive view of your customers, we ensure clear-cut assessments of your risks.

Find out more

Boniversum credit check

Is your customer able to pay?

The art of effective risk management lies in finding a balance between potential business and the risk of non-payment - without lengthy review processes. As an integral part of comprehensive risk management, credit checks are essential for assessing payment default risks, alongside address validation and identification.

The challenges of digitalization

Increasing digitalization presents companies with major challenges. Consumers expect not only to be able to order goods online, but also to be able to conclude contracts, manage their bank account and other services digitally around the clock. There is usually no personal contact, and the person at the computer is not necessarily who they say they are. How can you be sure that you can trust the person in front of the screen and that they will meet their payment obligations? This is where the credit check plays a crucial role. By checking the solvency and validating the identity and address of your customers, you can minimize risks and build trust.

Effectively reduce risks with the credit check

Our unique database and many years of scoring expertise enable precise forecasts and provide you with a reliable decision-making basis for your business. The extensive payment experience of our customers from numerous sectors creates a particularly broad database.

Boniversum Kompetenzbubble zum Produkt Bonitätsprüfung

The bottom line is: more success with less risk

Optimized performance

Reduced and controlled default risk

The exact cut-off values determine profitable margins. We provide you with the data basis for a reliable valuation of your potential customers and reduce your default risk with optimized payment performance.

Lower risk

Proactive detection of failures

With the negative features of our exclusive Creditreform debt collection data, you can simply recognize potential payment defaults more quickly. This allows you to effectively prevent defaults and problems.

More success

Increases sales

The payment methods and payment terms offered have a direct impact on the conversion rate. With our data pool, you can offer the right customers all the options – for better conversion rates.

Boniversum Kompetenzbubble zum Produkt Bonitätsprüfung mit Frau und Ampel

Hedged risks

Relevant across all industries

How do different industries benefit from our data? The payment experience of our many ecommerce customers is also relevant for other sectors, particularly in the case of negative data due to unpaid invoices. This data is supplemented by exclusive information from Creditreform, which includes extensive data from debt collection and details of links between private and commercial customers. How do you safeguard your business decisions? On the basis of our cross-industry data pool, we can carry out reliable score calculations on the payment probability of private individuals. This enables you to make well-founded decisions and minimizes the risk of payment defaults.

Our solution: Boniversum credit check

Real-time data synchronization: The values for the specified person are transmitted immediately.
Optimized customer journey: The check runs quickly and easily in the background, without media discontinuity and without additional effort for your customers.
Data basis for a reliable assessment: With our data, you know the creditworthiness of your potential customers and reduce the default risk with optimized payment performance.

Our combination of a broad database and many years of experience in scoring provides you with the tools you need to optimize your risk management and successfully secure your business.

Quick and easy

The decisive insights about your new customers

High confirmation rates – low default risk

Based on our exclusive, cross-sector data pool, we can make reliable statements about your new customers. This is because our data represents a cross-section of the population, including your customers!

From address verification and identification to checking creditworthiness and monitoring your customers: We offer the perfect solution for every requirement to optimize your specific risks.

The valuable payment experience of our customers from numerous sectors creates a particularly broad database. The payment experience of our many e-commerce customers is also relevant for other sectors, especially when it comes to negative data due to unpaid invoices. This is supplemented by Creditreform's exclusive data including a huge debt collection database and information on links between private and commercial customers. The multi-layered microm geodata is also included in the data pool.

And the best part:

You can combine our solutions and data on a modular basis – for the services that best suit your business.

Own address data and other linked data sources
Identification data
Exclusive data of the Creditreform Group: debt collection information, outstanding titled claims, data on company holdings of private individuals and much more
Payment experiences of Boniversum customers (negative and positive)
Cross-industry data pool
Public data of the local courts
Socio-demographic data based on microm geodata

Talk to our experts now about the right solution for you

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Free date check

Avoid payment defaults

During a free data check, we enrich your customer data with our cross-industry information and show you the evaluation in graphic form. You can see at a glance the percentage of people in your test file who are known to us and for whom we have negative payment experiences. With this information, you would probably have made some decisions differently. Sounds interesting? Then feel free to contact us!