Analysis of customer data to diminish the risk of bad payments.

What is scoring?

In e-commerce, scoring is an approach that involves collecting and analyzing a variety of data on customers to help predict their future behavior. Scores are calculated swiftly in the background of the ordering process, unnoticed by the customer.

  • The basis for various decision-making processes.
  • A standardized mathematical procedure.
  • An objective approach.

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How does scoring work in e-commerce?

An effective method with enormous benefits.

In e-commerce, scoring is related to credit assessment and is a way of calculating the probability that a customer will fulfill their part of the contract. This can be, for example, paying an invoice or installments. To calculate someone’s score, a variety of personal data such as age and place of residence are analyzed, as well as their past payment record and other factors.

Depending on the score obtained in this way, the merchant can take different actions. They can include completely rejecting transactions or only allowing a customer to use certain forms of payment, such as advance payment or credit card. The risk assessment takes place in the background of the ordering process without the consumer noticing anything.


Scoring enables companies to:

  • Reduce defaults.
  • Quickly evaluate customers.
  • Restrict payment modes on a case-to-case basis.

Secure and reliable: The benefits of scoring

Protection from payment defaults

Customers can be assessed to reduce the risk of nonpayment.

Fast checks

The fully automated process takes only seconds to complete.

Comprehensive data availability

Both internal and external data can be used for scoring.

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