# Credit Pricing

## Bundled Pricing 

Buy our APIs as bundle 

<table data-view="cards"><thead><tr><th align="center"></th><th align="center"></th><th align="center"></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td align="center">R50 </td><td align="center">Comprehensive KYC</td><td align="center"></td><td><a href="/pages/Z0f8g1FqIuGMwUTzsUsT">/pages/Z0f8g1FqIuGMwUTzsUsT</a></td><td><a href="/files/dkwRUfZTDDAH51zKSKdw">/files/dkwRUfZTDDAH51zKSKdw</a></td></tr><tr><td align="center">R35</td><td align="center">Business Verification</td><td align="center"></td><td></td><td><a href="/files/iZ4c1qgucQ0vyXpdDBUu">/files/iZ4c1qgucQ0vyXpdDBUu</a></td></tr><tr><td align="center">R40</td><td align="center">Alternative Scoring</td><td align="center"></td><td></td><td><a href="/files/5G2ZdSeoEi46xy3kSnUd">/files/5G2ZdSeoEi46xy3kSnUd</a></td></tr><tr><td align="center">R230</td><td align="center">Traditional Credit Bureau Reports</td><td align="center"></td><td></td><td><a href="/files/KZyItbxzE5SyVNrVcVL8">/files/KZyItbxzE5SyVNrVcVL8</a></td></tr><tr><td align="center">R10</td><td align="center">Anti-Money Laundering &#x26; Politically Exposed Persons</td><td align="center">AML/PEP</td><td></td><td><a href="/files/8hWHRVzUG34WFKX7CPsh">/files/8hWHRVzUG34WFKX7CPsh</a></td></tr></tbody></table>

## Modular Pricing

{% tabs %}
{% tab title="Verifcation" %}

<table><thead><tr><th width="214">Name</th><th width="334">Description</th><th>Cost per call</th></tr></thead><tbody><tr><td>Real-time Verification</td><td>Real-time identity verification against the Natural Persons Register hosted at Department of Home Affairs.</td><td>R7</td></tr><tr><td>Selfie ID Biometrics </td><td>Biometric facial and finger print verifications.</td><td>R25</td></tr><tr><td>AML/PEP</td><td>Anti Money Laundering (AML) and PEP Check.</td><td>R10</td></tr><tr><td>CIPC Company and Director Verification</td><td>CIPC Company Verification</td><td>R7</td></tr><tr><td>Bank Account Verification</td><td>Enables 3rd parties to do real-time verifications on consumer/commercial bank account at the South African banks*</td><td>R15 </td></tr><tr><td>Open Banking**</td><td>Extract transactions from bank account feed from South African banks*</td><td>R30 </td></tr></tbody></table>

\*Banks covered:  ABSA, FNB, Standard Bank, Nedbank, African Bank, Capitec, Investec, Sasfin Bank, Discovery Bank.

\*\*Open Banking: Recommended for frequent use, minimum 10 calls per annum.
{% endtab %}

{% tab title="Risk Analysis" %}

<table><thead><tr><th width="219">Name</th><th width="330">Description</th><th>Cost per call</th></tr></thead><tbody><tr><td>Liquidity Score</td><td>Likelihood of borrower running out of cash in the next 30-90 days </td><td>R5</td></tr><tr><td>Creditability Score</td><td>Risk based on high risk activities such as gambling, high cash withdrawals etc. </td><td>R5</td></tr><tr><td>Affordability Score</td><td>Get an estimated affordability value of the client based on 3 month bank transaction history</td><td>R5 </td></tr><tr><td>Consumer Credit Score</td><td>Experian or TransUnion</td><td>R230</td></tr><tr><td>TransUnion Company Credit Risk Report </td><td>Business Credit report from TransUnion </td><td>R230</td></tr><tr><td>VerifyID Company Credit Risk Report </td><td>Business Credit report from VerifyID </td><td>R230</td></tr><tr><td>Experian Company Credit Risk Report</td><td>Business Credit report from Experian</td><td>R230</td></tr></tbody></table>
{% endtab %}
{% endtabs %}

## Growing together: Our discounting tables&#x20;

Our discount tables are aligned with the number of volumes (APIs calls made) in a month.&#x20;

| Min. credits | Max. credits | Discount |
| ------------ | ------------ | -------- |
| 5,000        | 10,000       | 3%       |
| 10,001       | 50,000       | 4%       |
| 50,001       | 100,000      | 5%       |
| 100,001      | 250,000      | 6%       |
| 250,001      | 500,000      | 8%       |
| 500,001      | 1,000,000    | 8%       |


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