The cost of a credit scoring solution depends on multiple factors that reflect the value and quality of the service provided.
The quality and diversity of data sources (registries, credit bureaus, alternative data) directly influence the solution's cost.
Real-time scoring costs more than monthly evaluation, but dramatically reduces the risk of payment defaults.
Access to industry experts, team training, and technical support represent significant added value.
Guaranteed uptime, API response time, and contractual commitments impact pricing structure.
Low-cost credit scoring may hide outdated data, unreliable models, or non-existent support. The cost of poor scoring (undetected defaults, lost opportunities) far exceeds the initial savings.
Three main pricing families coexist, each adapted to different usage profiles.
Payment per score consultation
Ideal for:
SMEs, startups, consultants
Prepaid query packs
Ideal for:
Companies with regular needs
Unlimited or tiered access
Ideal for:
FinTechs, banks, large accounts
The choice of pricing model should align with your technical maturity and credit strategy. A startup can begin with pay-per-query, then evolve to API when volume justifies the integration investment.
The most advanced players offer hybrid models: a base package + usage-based billing beyond, offering flexibility and predictability.
The purchase price is only the visible part. A rigorous methodology allows you to evaluate the true cost of a scoring solution.
Estimate your actual consumption: new customers, periodic monitoring, automated alerts.
API development, team training, internal process adaptation.
Calculate savings through reduced payment defaults and provisions.
Value automation: less manual analysis, faster decisions, increased productivity.
For an accurate assessment, add up:
Golden rule: A solution 30% more expensive but reducing defaults by 50% is 5x more profitable than a cheaper but less effective solution.
Transparency, performance, and explainability: our pricing promise aligns with our technical promise.
RocketFin offers pricing that evolves with you: no hidden fees, no commercial lock-in. You pay for the value created, not for administrative complexity.
Beyond price, RocketFin brings a modern technical stack that reduces your overall TCO and improves your credit performance.