PAYONE Documentation Platform | Verification of creditworthiness (consumerscore)

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href="/security-risk-management/consumerscore">Verification of creditworthiness (consumerscore)</a></li> </ul> </nav> </div> <div class="docs-container is-flex"> <aside id="aside" class="column is-2 is-narrow-mobile is-fullheight is-hidden-touch"><ul class="tree"><li><a target="_self" href="https://docs.payone.com/security-risk-management">Security & Risk Management</a><ul style="display:none"><li><a target="_self" href="https://docs.payone.com/security-risk-management/3d-secure">3D-Secure</a></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/fraudprevention">Fraudprevention</a></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/consumerscore">Verification of creditworthiness (consumerscore)</a><ul style="display:none"><li><a target="_self" href="https://docs.payone.com/security-risk-management/consumerscore/creditworthiness">Creditworthiness, address check and address validation</a></li></ul></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/3d-secure-service">3DS Version 2</a></li></ul></li></ul></aside> <div id="payone-modal-submenu" class="modal"> <div class="modal-background"></div> <div class="modal-card"> <header class="modal-card-head"> <p class="modal-card-title"> Security & Risk Management </p> <button class="delete payone-primary-background" aria-label="close"></button> </header> <section class="modal-card-body"> <ul class="tree"> <li><a target="_self" href="https://docs.payone.com/security-risk-management">Security & Risk Management</a><ul style="display:none"><li><a target="_self" href="https://docs.payone.com/security-risk-management/3d-secure">3D-Secure</a></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/fraudprevention">Fraudprevention</a></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/consumerscore">Verification of creditworthiness (consumerscore)</a><ul style="display:none"><li><a target="_self" href="https://docs.payone.com/security-risk-management/consumerscore/creditworthiness">Creditworthiness, address check and address validation</a></li></ul></li><li><a target="_self" href="https://docs.payone.com/security-risk-management/3d-secure-service">3DS Version 2</a></li></ul></li> </ul> </section> <footer class="modal-card-foot"> <div class="buttons"> <button class="btn btn-outline-primary">Cancel</button> </div> </footer> </div> </div>  <section class="section"> <div class="column is-12 mb-3 payone-sitedivs"> <h3 class="h3Header">Introduction</h3> <div class="payone-white-content-section"> <p>Checking customer data for any existing adverse criteria.</p> <p>This request is only available if module “protect” has been ordered.<br>The customer check is carried out to determine the risk of non-payment of demands against customers. With the help of consumer information (adverse criteria) a score value is determined which you can use to assess the creditworthiness of the customers, get a realistic picture of the risk of non-payment and offer the corresponding types of payment.</p> <p>For best results please provide “streetname” and “streetnumber” in separate fields. If not possible you can use “street” only.</p> <p>For “consumerscore” first-/last name is obviously mandatory. Parameter “gender” and “birthday” are mandatory for Boniversum and optional for Arvato but recommended for best results.</p> <p><strong> Valid combinations (Arvato, Boniversum, SCHUFA)</strong></p> <table class="payone-simpleTable" style="width: 47.6665%;"> <tbody> <tr> <th class="payone-simpleTd">addresschecktype</th> <th class="payone-simpleTd">consumerscoretype</th> <th class="payone-simpleTd">businessrelation</th> <th class="payone-simpleTd">Remarks</th> <th class="payone-simpleTd">Available countries</th> </tr> <tr> <td class="payone-simpleTd" style="width: 25%;">NO, BA, PE</td> <td class="payone-simpleTd" style="width: 25%;">IH, IA, IB, IF</td> <td class="payone-simpleTd" style="width: 22%;">b2c (optional)</td> <td class="payone-simpleTd" style="width: 14%;">Arvato Infoscore Services</td> <td class="payone-simpleTd" style="width: 14%;">DE</td> </tr> <tr> <td class="payone-simpleTd" style="width: 25%;">PB</td> <td class="payone-simpleTd" style="width: 25%;">CE</td> <td class="payone-simpleTd" style="width: 22%;">b2c (optional)</td> <td class="payone-simpleTd" style="width: 14%;">Boniversum Services</td> <td class="payone-simpleTd" style="width: 14%;">DE</td> </tr> <tr> <td class="payone-simpleTd" style="width: 25%;">BS</td> <td class="payone-simpleTd" style="width: 25%;">SFS</td> <td class="payone-simpleTd" style="width: 22%;">b2c (mandatory)</td> <td class="payone-simpleTd" style="width: 14%;">SCHUFA Services</td> <td class="payone-simpleTd" style="width: 14%;">DE</td> </tr> <tr> <td class="payone-simpleTd" style="width: 25%;">BS</td> <td class="payone-simpleTd" style="width: 25%;">SFS, SFM</td> <td class="payone-simpleTd" style="width: 22%;">b2b (mandatory)</td> <td class="payone-simpleTd" style="width: 14%;">SCHUFA Services</td> <td class="payone-simpleTd" style="width: 14%;">DE</td> </tr> </tbody> </table> </div> </div> <div class="column is-12 mb-3 payone-sitedivs"> <h5>Integration</h5> <div class="payone-white-content-section"> <div class="columns api-content"> <div class="column is-two-thirds middleAC"> <pre class="full-pre mb-3 "><span class="typ ">POST</span> <span>Request - consumerscore</span></pre> <h5 class="h5Param">Account Parameters</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>request <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Fixed Value: consumerscore</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>mid <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">your merchant ID, 5-digit numeric</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>aid <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">your subaccount ID, 5-digit numeric</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>portalId <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">your Portal ID, 7-digit numeric</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>key <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">your key value, alpha-numeric</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>channel<br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Fixed Value: clientapi</span></div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>channelDetail<br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Permitted Value: payoneHosted</span></div> </td> </tr> </tbody> </table> <h5 class="h5Param">Common Parameters</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>addresschecktype<br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb" style="width: 65%;"> <div><span class="dmLkmF lVyis">Format LIST <br></span></div> <div class="wfptf"><theader></theader> <table border="1" style="border-collapse: collapse; width: 78.929%; height: 116px;"> <tbody> <tr style="height: 28px;"> <th>Value</th> <th>Group</th> <th>Comment</th> </tr> </tbody> <tbody> <tr style="height: 22px;"> <td style="width: 15.0134%; height: 22px;">BA</td> <td style="width: 24.8495%; height: 22px;">PAYONE Services</td> <td style="width: 59.984%; height: 22px;">Addresscheck Basic, i.e. address is checked whether the address itself is valid and existing</td> </tr> <tr style="height: 22px;"> <td style="width: 15.0134%; height: 22px;">PE</td> <td style="width: 24.8495%; height: 22px;">PAYONE Services</td> <td style="width: 59.984%; height: 22px;">Addresscheck Person, i.e. address is checked whether the address itself is valid and existing and whether the given person is recorded at this address</td> </tr> <tr style="height: 22px;"> <td style="width: 15.0134%; height: 22px;">BB</td> <td style="width: 24.8495%; height: 22px;">Boniversum Services</td> <td style="width: 59.984%; height: 22px;">Addresscheck Basic, i.e. address is checked whether the address itself is valid and existing</td> </tr> <tr style="height: 22px;"> <td style="width: 15.0134%; height: 22px;">PB</td> <td style="width: 24.8495%; height: 22px;">Boniversum Services</td> <td style="width: 59.984%; height: 22px;">Addresscheck Person, i.e. address is checked whether the address itself is valid and existing and whether the given person is recorded at this address</td> </tr> </tbody> </table> </div> <div> <p></p> <p>Primary account number of credit card </p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>consumerscoretype<br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table border="1" style="border-collapse: collapse; width: 75.5298%; height: 492px;"> <tbody> <tr> <th>Value</th> <th>Comment</th> </tr> <tr> <td style="height: 22px; width: 99.6295%;" colspan="2"><strong>Arvato Infoscore Services – must be combined with addresschecktype “NO”, “BA”, “PE”</strong></td> </tr> <tr style="height: 33px;"> <td style="width: 18.7775%; height: 33px;">IH</td> <td style="width: 80.852%; height: 33px;">Infoscore (hard criteria)</td> </tr> <tr style="height: 31px;"> <td style="width: 18.7775%; height: 31px;">IA</td> <td style="width: 80.852%; height: 31px;">Infoscore (all criteria)</td> </tr> <tr style="height: 31px;"> <td style="width: 18.7775%; height: 31px;">IB</td> <td style="width: 80.852%; height: 31px;">Infoscore (all criteria + bonus score)</td> </tr> <tr style="height: 61px;"> <td style="width: 18.7775%; height: 61px;">IF</td> <td style="width: 80.852%; height: 61px;">Infoscore (all criteria + bonus score) + Informa-Consumer-Score</td> </tr> <tr style="height: 64px;"> <td colspan="2" style="width: 99.6295%; height: 64px;"><strong>Boniversum Services – must be combined with addresschecktype “PB”</strong></td> </tr> <tr style="height: 61px;"> <td style="width: 18.7775%; height: 61px;">CE</td> <td style="width: 80.852%; height: 61px;">Boniversum VERITA Score including special addresses (status-codes AS1..AS8)</td> </tr> <tr style="height: 43px;"> <td colspan="2" style="width: 99.6295%; height: 43px;"><strong>SCHUFA Services – must be combined with addresschecktype “BS”</strong></td> </tr> <tr style="height: 58px;"> <td style="width: 18.7775%; height: 58px;">SFS</td> <td style="width: 80.852%; height: 58px;">SCHUFA credit worthiness SHORT; can be combined with “b2b” and “b2c”</td> </tr> <tr style="height: 59px;"> <td style="width: 18.7775%; height: 59px;">SFM</td> <td style="width: 80.852%; height: 59px;">SCHUFA credit worthiness MIDDLE; can be combined with “b2b” only</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Specifies type of consumer score to be performed.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>businessrelation<br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table border="1" style="border-collapse: collapse; width: 57.0828%; height: 114px;"> <tbody> <tr> <th>Value</th> <th>Comment</th> </tr> <tr> <td style="width: 20.8522%; height: 64px;">b2c</td> <td style="width: 78.7773%; height: 64px;">Indicates business to private customer</td> </tr> <tr style="height: 22px;"> <td style="width: 20.8522%; height: 22px;">b2b</td> <td style="width: 78.7773%; height: 22px;">indicates business to business customer (company)</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Value specifies business relation between merchant and customer.</p> <p>Request specific:</p> </div> <div class="wfptf"> <table class="payone-simpleTable"> <thead> <tr> <th>Consumerscoretype</th> <th>Comment</th> </tr> </thead> <tbody> <tr> <td class="payone-simpleTd">SFS, SFM</td> <td class="payone-simpleTd">"businessrelation" is mandatory for SCHUFA-checks</td> </tr> <tr> <td class="payone-simpleTd">other</td> <td class="payone-simpleTd">"businessrelation" is recommended be set to "b2c" for other checks</td> </tr> </tbody> </table> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>firstname <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>First name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>lastname <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>Last name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>company <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>Comany name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>street <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street number and name (required: at least one character)</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>streetname<br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street name</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>streetnumber<br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street number</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>zip <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div><span class="dmLkmF lVyis">Permitted Symbols [0-9][A-Z][a-z][_.-/ ]</span></div> <div class="wfptf"> <p>Postcode</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>city <br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>City of customer</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>country<br> <div class="reqUOO reqUn">required</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div><span class="dmLkmF lVyis">Permitted values ISO 3166 2-letter-codes</span></div> <div><span class="dmLkmF lVyis">Samples</span></div> <p>DE</p> <p>GB</p> <p>US</p> <div class="wfptf"> <p>Specifies country of address for the customer</p> </div> <div class="wfptf"> <div class="tryoutbox"><span>Check “BB”, “PB”: only “DE” supported</span></div> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>telephonenumber <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..30)</span></div> <div class="wfptf"> <p><span style="font-weight: 400; text-align: inherit;">Phone number of customer</span></p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>birthday <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format DATE(8), YYYYMMDD</span></div> <div><span class="dmLkmF lVyis">Samples</span></div> <p>20190101</p> <p>19991231</p> <div class="wfptf"> <p>Date of birth of customer</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>language <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div><span class="dmLkmF lVyis">Permitted values ISO 639-1 (Language)2-letter-codes</span></div> <div class="wfptf"> <p>Language indicator (ISO 639) to specify the language that should be presented to the customer (e.g. for error messages, frontend display).</p> <p>If the language is not transferred, the browser language will be used. For a non-supported language English will be used.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>gender <br> <div class="reqUOO optUn">optional</div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div><span class="dmLkmF lVyis">Permitted values</span></div> <div><span class="dmLkmF lVyis"> f / m/ d</span></div> <div class="wfptf"> <p>Gender of customer (female / male / diverse* )</p> <p>* currently not in use</p> </div> </td> </tr> </tbody> </table> <h5 class="h5Param">Response Parameters</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>status</td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Permitted Values</span></div> <div><span class="dmLkmF lVyis">VALID</span></div> <div><span class="dmLkmF lVyis">INVALID</span></div> <div><span class="dmLkmF lVyis">ERROR</span></div> </td> </tr> </tbody> </table> <div class="responsesDIV"><button class="notiBtn has-text-primary-dark has-background-success-light" aria-expanded="false"> <svg class="svg-Up svg2" version="1.1" viewbox="0 0 24 24" x="0" xmlns="http://www.w3.org/2000/svg" y="0" aria-hidden="true" style="fill: currentColor; color: #00947e;"> <polygon points="17.3 8.3 12 13.6 6.7 8.3 5.3 9.7 12 16.4 18.7 9.7 "></polygon> </svg><span>200 </span><span class="sc-jcwpoC DVwyR"></span></button> <h5 class="h5Param">Response parameters (Valid)- address valid</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>secstatus</td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table class="payone-simpleTable"> <thead> <tr> <th class="payone-simpleTh" style="width: 15%;">Value</th> <th class="payone-simpleTh" style="width: 20%;">Status</th> <th class="payone-simpleTh" style="width: 65%;">Comment</th> </tr> </thead> <tbody> <tr> <td>10</td> <td>VALID</td> <td>address correct</td> </tr> <tr> <td>20</td> <td>VALID</td> <td>address could be corrected / has changed</td> </tr> <tr> <td>30</td> <td>INVALID</td> <td>address could not be corrected</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Response code of address check to return whether address has been corrected</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>scorevalue<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format NUMERIC(1..4), values and ranges see table below.</span></div> <div class="wfptf"> <table border="1" style="border-collapse: collapse; width: 99.1701%; height: 643px;"> <tbody> <tr style="height: 30px;"> <th>consumerscoretype</th> <th>Provider</th> <th>Range</th> <th>Remarks</th> </tr> <tr> <td>IA, IB, IH, IF</td> <td>Arvato Infoscore</td> <td>Score: 100-990</td> <td>The higher the value, the higher the degree of creditworthiness<br>Please refer to Decision matrix Arvato Infoscore Boni-Score/Informa-Score</td> </tr> <tr> <td style="width: 20.1098%; height: 169px;">CE</td> <td style="width: 22.2012%; height: 169px;">Boniversum VERITA</td> <td style="width: 13.2657%; height: 169px;">Score: 0-6000</td> <td style="width: 43.8741%; height: 169px;">The higher the value, the lower the degree of creditworthiness<br>Please refer to Decision matrix Boniversum VERITA score</td> </tr> <tr style="height: 148px;"> <td style="width: 20.1098%; height: 148px;">SFS, SFM</td> <td style="width: 22.2012%; height: 148px;">SCHUFA B2B</td> <td style="width: 13.2657%; height: 148px;">Score: 100-600</td> <td style="width: 43.8741%; height: 148px;">The higher the value, the lower the degree of creditworthiness; values e.g. “100”, “204”, “202.3”</td> </tr> <tr style="height: 85px;"> <td style="width: 20.1098%; height: 85px;">SFS</td> <td style="width: 22.2012%; height: 85px;">SCHUFA B2C</td> <td style="width: 13.2657%; height: 85px;">Score: 1-9999</td> <td style="width: 43.8741%; height: 85px;">The higher the value, the higher the degree of creditworthiness</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>First name of customer; optional if company is used, i.e.: you may use"company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>secscore<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <p>For consumerscoretype: IA, IB, IH, IF; Negative criteria if registered.</p> <p>Negative criteria; details see code list: Consumer score Arvato Infoscore - secscore</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>personstatus<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST<br></span></div> <div> <div class="wfptf"> <table border="1" style="border-collapse: collapse; width: 71.3782%;"> <tbody> <tr> <th class="payone-simpleTh" style="width: 26.216%;">Value</th> <th class="payone-simpleTh" style="width: 73.4382%;">Comment</th> </tr> <tr> <td style="width: 26.216%;"><list></td> <td style="width: 73.4382%;">List of codes: AddressCheck-Returns (personstatus)</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Person address check result; details see code list (“Parameters for address check person returns”)</p> </div> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>addressstatus<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <p>Only available with “CE” and “PB” and only if special address is indicated:</p> <p>Person address check result; details see code list: Consumer score Boniversum VERITA score addressstatus</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>provideruserid<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format AN..30</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFS, SFM (b2b/b2c): Internal provider reference</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>identityconfirmed<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table class="payone-simpleTable"> <tbody> <tr> <td class="payone-simpleTd" style="width: 16%;">Y</td> <td class="payone-simpleTd" style="width: 84%;">Identity has been confirmed</td> </tr> <tr> <td class="payone-simpleTd">N</td> <td class="payone-simpleTd">Identity has not been confirmed</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Only with consumerscoretype: SFS (b2c)</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>gender<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table class="payone-simpleTable"> <tbody> <tr> <td class="payone-simpleTd" style="width: 25%;">F</td> <td class="payone-simpleTd" style="width: 75%;">Female</td> </tr> <tr> <td class="payone-simpleTd">M</td> <td class="payone-simpleTd">Male</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Only with consumerscoretype: SFS (b2c): gender of person</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>legalform<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format AN..100</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFM (b2b): Legal form <code>;<text></p> <p>e.g. “21;Gesellschaft mit beschränkter Haftung”</p> <p>See list of values: Consumer score SCHUFA legal form</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>creditlimitvalue<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format AN..10</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFM (b2b): Creditlimit value</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>creditlimitcurrency<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFM (b2b): Creditlimit currency (ISO-code)</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>foundingdate<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format AN..10</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFM (b2b): Founding date in format yyyy-mm-dd</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>taxid<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format AN..20</span></div> <div class="wfptf"> <p>Only with consumerscoretype: SFM (b2b): Tax id of company</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>firstname <br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <p>First name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>lastname <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>Last name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>company <br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>Comany name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>street <br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street number and name (required: at least one character)</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>streetname<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street name</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>streetnumber<br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..50)</span></div> <div class="wfptf"> <p>Street number</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>zip <br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div>Permitted Symbols [0-9][A-Z][a-z][_.-/ ]</div> <div class="wfptf"> <p>Postcode</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>city <br> <div class="reqUOO reqUn"></div> </td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(2..50)</span></div> <div class="wfptf"> <p>City of customer</p> </div> </td> </tr> </tbody> </table> </div> <div class="responsesDIV"><button class="notiBtn has-text-danger-dark has-background-danger-light" aria-expanded="false"> <svg class="svg-Up svg2" version="1.1" viewbox="0 0 24 24" x="0" xmlns="http://www.w3.org/2000/svg" y="0" aria-hidden="true" style="fill: currentColor; color: #cc0f35;"> <polygon points="17.3 8.3 12 13.6 6.7 8.3 5.3 9.7 12 16.4 18.7 9.7 "></polygon> </svg><span>400 </span><span class="sc-jcwpoC DVwyR"></span></button> <h5 class="h5Param">Response parameters (INvalid) - address invalid</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span>secstatus</td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format LIST</span></div> <div class="wfptf"> <table class="payone-simpleTable"> <thead> <tr> <th class="payone-simpleTh" style="width: 15%;">Value</th> <th class="payone-simpleTh" style="width: 20%;">Status</th> <th class="payone-simpleTh" style="width: 65%;">Comment</th> </tr> </thead> <tbody> <tr> <td class="payone-simpleTd">>10</td> <td class="payone-simpleTd">>VALID</td> <td class="payone-simpleTd">>address correct</td> </tr> <tr> <td class="payone-simpleTd">>20</td> <td class="payone-simpleTd">>VALID</td> <td class="payone-simpleTd">>address could be corrected / has changed</td> </tr> <tr> <td class="payone-simpleTd">>30</td> <td class="payone-simpleTd">>INVALID</td> <td class="payone-simpleTd">>address could not be corrected</td> </tr> </tbody> </table> </div> <div class="wfptf"> <p>Response code of address check to return whether address has been corrected</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">errorcode</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format NUMERIC(1..6)</span></div> <div class="wfptf"> <p>In case of error the PAYONE Platform returns an error code for your internal usage.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">errormessage</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..1024)</span></div> <div class="wfptf"> <p>In case of error the PAYONE Platform returns an error message for your internal usage.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">customermessage</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..1024)</span></div> <div class="wfptf"> <p>The customermessage is returned to your system in order to be displayed to the customer.</p> <p>(Language selection is based on the end customer's language, parameter "language")</p> </div> </td> </tr> </tbody> </table> </div> <div class="responsesDIV"><button class="notiBtn has-text-danger-dark has-background-danger-light" aria-expanded="false"> <svg class="svg-Up svg2" version="1.1" viewbox="0 0 24 24" x="0" xmlns="http://www.w3.org/2000/svg" y="0" aria-hidden="true" style="fill: currentColor; color: #cc0f35;"> <polygon points="17.3 8.3 12 13.6 6.7 8.3 5.3 9.7 12 16.4 18.7 9.7 "></polygon> </svg><span>400 </span><span class="sc-jcwpoC DVwyR"></span></button> <h5 class="h5Param">Response parameters (error)</h5> <table class="ac-isParent"> <tbody> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">errorcode</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format NUMERIC(1..6)</span></div> <div class="wfptf"> <p>In case of error the PAYONE Platform returns an error code for your internal usage.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">errormessage</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..1024)</span></div> <div class="wfptf"> <p>In case of error the PAYONE Platform returns an error message for your internal usage.</p> </div> </td> </tr> <tr> <td class="ac-isParentTD pTDa"><span class="sLborder"></span><span class="property-name">customermessage</span></td> <td class="pTDb"> <div><span class="dmLkmF lVyis">Format CHAR(1..1024)</span></div> <div class="wfptf"> <p>The customermessage is returned to your system in order to be displayed to the customer.</p> <p>(Language selection is based on the end customer's language, parameter "language")</p> </div> </td> </tr> </tbody> </table> </div> </div>  <div class="column is-one-third code-samples-wrap"> <div class="payone-code-lane"><button class="csw-iONbtn mb-2"> <span type="post" class="SpanVerbHttp http-verb http-post"></span> <span class="SpanVerb">/post-gateway/ HTTP/1.1</span> </button></div> <div class="payloadbox codebox"> <pre class="has-text-white p-3 payone-code-background payone-w-100">Host: api.pay1.de<br>Content-Type: application/x-www-form-urlencoded</pre> </div> <div class="payone-codeseperator"></div> <div class="divcopybtn payone-w-100"><button type="button" class="payone-copy-text button payone-is-tiny btn-primary"> <span class="icon-text"> <span class="payone-is-tiny"> <i class="fas fa-regular fa-copy"></i> </span> <span>Copy</span> </span> </button></div> <div class="payloadbox codebox"> <pre class="has-text-white p-3 payone-code-background payone-w-100">Payload </pre> </div> <div class="payone-codeseperator"></div> <div class="divcopybtn payone-w-100"><button type="button" class="payone-copy-text button payone-is-tiny btn-primary"> <span class="icon-text"> <span class="payone-is-tiny"> <i class="fas fa-regular fa-copy"></i> </span> <span>Copy</span> </span> </button></div> <div class="payloadbox codebox"> <pre class="has-text-white p-3 payone-code-background payone-w-100">RESPONSE <br> </pre> </div> </div> </div> </div> </div> </section>  <script src="https://docs.payone.com/bl-kernel/js/jquery.min.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/js/highlight.min.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/js/jquery-resizable.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/js/payone.misc.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/php/api/jquery.json-editor.min.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/php/api/stickyNavigator.js?version=3.15.0"></script> <script src="https://docs.payone.com/bl-themes/payone-docs/php/api/autosize.js?version=3.15.0"></script> <script> hljs.initHighlighting(); </script> <script> autosize(document.querySelectorAll('.codetext')); </script> <script> $(function() { /***************************************** PHP generated Sidebar Add Active Navigation Class Based on URL *****************************************/ const browserPath = (location.pathname).slice(1); $('ul.tree li a').each(function(){ var $this = $(this); // We need to extract path from anchor href, so we can do exact comparision const checkLink = $this.attr('href'); const extractedPathWithDomain = checkLink.replace(/http(s)?(:)?(\/\/)?|(\/\/)/g, ''); const pathParts = extractedPathWithDomain.split('/'); pathParts.shift(); const extractedPath = pathParts.join('/'); if(browserPath === extractedPath) { $this.parent().addClass('is-active'); $this.parent().children('ul').show() } // for localhost only // or (window.location.hostname === "localhost" && window.location.pathname==="/bludit/") if (window.location.pathname==="/bludit-commercetools/") { $this.parent().removeClass('is-active'); } }); /************************ Sidebar SVG icon ************************/ jQuery('.svgCl').each(function(){ jQuery(this).css({'height': $(this).closest('ul').height($(this).height() + 5) + 'px'}); jQuery(this).css({'display': 'inline-block'}); }); /************************ Sidebar Nav items toggle open/close ************************/ $( 'ul.tree li' ).each( function() { if($(this).children('ul').length > 0) { $(this).addClass('parentLi'); $('li.parentLi > a').attr('href'); } if ($(this).find('ul > li').hasClass('is-active')) { $(this).addClass('activated'); $(this).children('ul').show(); // ul > display:none is hardcoded in sidebar.php } }); $( 'ul.tree li > ul > li' ).each( function() { $(this).addClass('parentLi'); if ($(this).hasClass('is-active')) { $(this).addClass('activated'); } }); }); // doc ready </script> <script> /************************ Copy to clipboard ************************/ function copyToClipboard(text) { var aux = document.createElement("input"); aux.setAttribute("value", text); document.body.appendChild(aux); aux.select(); document.execCommand("copy"); document.body.removeChild(aux); } function copyToClipboardAsFormatted(text) { navigator.clipboard.writeText(text); } function stripHtml(inputHtml) { const brToNewline = inputHtml.replace(/<br\s*[\/]?>/gi, "\n"); const content = brToNewline.replace(/<\/?[^>]+(>|$)/g, ""); return content; } $(function() { $( ".payone-copy-text" ).on( "click", function() { const currentCopyBtn = $(this); let parentNode = currentCopyBtn.closest('div.divcopybtn'); let payloadbox; if (parentNode.length > 0) { payloadbox = parentNode.next('div.payloadbox'); } else { parentNode = currentCopyBtn.closest('div.samplebox'); parentNode = parentNode.children('table'); parentNode = parentNode.children('tbody'); parentNode = parentNode.children('tr'); payloadbox = parentNode.children('td'); } if (payloadbox.length == 0) { return; } const preNode = payloadbox.children('pre'); const htmlContent = preNode.html(); const content = stripHtml(htmlContent); 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PAYONE Documentation Platform | Verification of creditworthiness (consumerscore)