creditPass allows merchants to verify customer identity and creditworthiness within milliseconds. It aggregates data from various sources, including SCHUFA, CRIF Bürgel, and other leading credit bureaus in Germany and Austria through a single interface.

This enables businesses to make automated, data-driven decisions on offering specific payment methods, such as “purchase on account” or instalment plans. By filtering out high-risk transactions early, creditPass reduces the likelihood of missed payments, fraud attempts, and chargebacks, helping protect profit margins and build long-term customer trust.

Key features and benefits

• Real-time credit checks: Instantly assess a customer’s credit profile during checkout to determine payment eligibility.
• Multisource data access: Connects to leading credit bureaus, identity verification systems, and fraud databases in Germany, Austria, and beyond.
• Customisable risk rules: Set rules based on your industry, product value, or customer segments to automate smart decision-making.
• Fraud prevention: Detects anomalies, repeat offenders, and potential identity misuse before finalising transactions.
• Supports trusted payment methods: Enables secure offering of invoice, instalment, and other postpaid options based on customer risk profiles.
• GDPR-compliant: Fully adheres to EU data protection regulations, ensuring customer data is handled responsibly and lawfully.

Ideal for e-Commerce, finance, and subscription-based businesses

creditPass is particularly valuable for merchants offering payment on invoice, high-ticket products, or recurring billing models. Industries such as telecommunications, insurance, retail, and fintech rely on creditPass to balance convenience with risk control.

Customers benefit from faster, more tailored checkout experiences, while merchants maintain complete control over how and when they extend credit-based options.

Quick integration with Planet

Planet partners with creditPass to offer merchants a streamlined integration of credit checks and risk assessment tools. Businesses can integrate creditPass into their payment flows to automate decision-making, protect against bad debt, and enable smarter, more secure transactions.

With Planet and creditPass, businesses gain the insights needed to grow confidently, without compromising trust or payment performance.