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.

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