From: €0.06 + VAT
Check the reliability of an Italian company with a 3-class risk scale in real-time via API
Start Credit Scoring is the analysis of a series of financial and non-financial variables, useful for determining the probability of default or non-repayment of a loan.
The Start Credit Scoring service allows you to access a "traffic light" with 3 risk classes.
It is identified by the endpoint https://risk.openapi.com/IT-creditscore-start/vatCode_taxCode_or_id}
GET /IT-creditscore-start/{vatCode_taxCode_or_id}
The request parameter can be one of the following:
In the following request, we used the VAT number as the parameter: 12485671007
https://risk.openapi.com/IT-creditscore-start/12485671007
GET /IT-creditscore-start/{vatCode_taxCode_or_id}
The following values are present in the response:
The risk index (risk score) is identified by 3 colors:
In some cases, a gray color may be returned, indicating ND cases such as closed companies.
The data in the response is for example purposes only.
{
"data": {
"company_id": "60d1bfc731177b0a092cdfc1",
"organization_name": "XXXXXXXXXXX",
"requested_at": "2024-03-26T10:53:56.299688Z",
"risk_score": "GREEN",
"tax": "12XXXXXXXX7",
"vat": "12XXXXXXXX7",
"time_stamp": 1622452306,
"id": "6602a94464cff7864a032475"
},
"success": true,
"message": "",
"error": null
}
The company identifier (company_id), available in the response, is a useful parameter for making requests to a Company API endpoint such as Start, Advanced, PEC.
Currently, 2 other services dedicated to credit scoring are available:
The Start Credit Scoring service is ideal for any company that needs to assess the credit risk of its customers or partners, such as credit institutions, fintech companies, e-commerce businesses (especially those offering payment systems), or companies offering Telco, Leasing, or real estate services.
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The Start Credit Scoring service offers a simplified analysis of the credit risk of Italian companies, using a scoring system based on 3 colors. It is ideal for those who need a quick and clear indication of a company's financial reliability.
The service provides 3 risk classes:
Yes, the service is available via API, allowing direct integration into your IT systems to obtain real-time information.
The Start Credit Scoring service is designed for various types of users who need a simple and immediate tool to assess credit risk. Among them:
The main differences between the three Openapi products, Credit Score Top, Credit Score Advanced, and Credit Score Start, are related to the complexity and the amount of information provided:
In summary, Credit Score Start is for quick, general evaluations, Credit Score Advanced provides a more detailed analysis, and Credit Score Top offers the highest level of detail for those needing a complete and in-depth analysis.
The service is delivered in real time, meaning that once the request is sent via API, the data is processed and returned immediately.
You can choose subscription plans that offer more convenient rates, with prices starting from €0.06 + VAT per request. Subscriptions have usage limits, which vary depending on the type of plan chosen, ensuring greater flexibility based on your needs. Alternatively, the cost per single request via recharge is €0.19 + VAT.