# SCHUFA Credit Report

With the SCHUFA Credit Report, online shops receive a reliable decision-making basis to effectively control economic risks in digital commerce. The real-time assessment of customers’ creditworthiness helps reduce default rates and detect fraudulent activities at an early stage.

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Based on an individual’s credit rating, payment methods such as purchase on account or SEPA direct debit can be automatically activated or restricted. Risk-prone payment options are therefore offered specifically only to those whose payment ability has been assessed accordingly.

Customers with a positive credit rating benefit from greater flexibility and a more convenient shopping experience through additional payment options. The integration of the SCHUFA Credit Report into the checkout process is straightforward and supports transparent decision-making. As a result, merchants not only secure their revenues but also strengthen their long-term liquidity.