Configure the extension
To perform a SCHUFA Credit Report in your shop, you must first apply for a SCHUFA account and configure your SCHUFA API access data. Follow our step-by-step instructions for more information.
SCHUFA API
This section stores the access data required to connect to SCHUFA.
Mode
Select field
Choose between test and live mode. Always verify the extension behavior in test mode first. Only SCHUFA test datasets may be used for testing.
Public certificate key file
File upload
Upload the file containing the public certificate key you received from SCHUFA. This file has the extension certs.pem.
Private certificate key file
File upload
Upload the file containing the private certificate key you received from SCHUFA. This file has the extension key.pem.
Key password
Password field
Enter the password used to protect your certificate key file.
Participant ID
Text input
You receive the participant ID from SCHUFA via email.
Participant password
Password field
Store the participant password SCHUFA provided via email.
After saving, click Check credentials to verify the API data. You will see either a success or an error message.
Configuration
General settings for using the extension.
Minimum cart value in EUR
Numerical input
Set a minimum net cart value. SCHUFA checks will only run once this threshold is reached.
Log level
Select field
Controls whether debug information or only errors are written to the shop log file. In live operation, log only errors. Otherwise the log file can grow quickly.
Enable cache
Toggle
Enables caching of SCHUFA checks, both in custom fields and in the user's session. Disable caching only in test mode for troubleshooting. Otherwise you will trigger unnecessary SCHUFA checks.
Score Cart B2C
This section shows the SCHUFA score levels for B2C customers. It is split into these columns:
Rating Level
Risk rate in %
Maximum cart value in EUR
Retention time in days
The Rating Level and the risk rate are SCHUFA’s assessment of the requested customer. The maximum cart value limits the net cart value allowed for the respective risk rating. If the cart value is exceeded, the payment method is blocked automatically, even if it would be allowed based on the customer’s creditworthiness. The retention time in days defines how long a customer’s request is stored in the shop before a new SCHUFA check is triggered for a later order.
Rating Level and risk rate are fixed values and cannot be changed. Maximum cart value and retention time can be adjusted.
Adjusting the shopping cart value and storage time B2C
Click the three dots (...) on an entry and choose Edit. This opens the edit screen. The fields Rating Level and risk rate cannot be changed, because SCHUFA provides these values via the API.
Rating Level
Disabled field
SCHUFA rating level
Risk rate in %
Disabled field
SCHUFA risk rate
Maximum cart value in EUR
Numerical input
Set the maximum allowed net cart value (EUR) for customers with the rating level / risk rate stored in this entry.
Retention time in days
Numerical input
Defines how many days a successful SCHUFA check is stored. If a user orders again within this time, no new check is triggered.
To save your changes, click Save. To return to the list view, click Cancel.
Score Cart B2B
This section shows the SCHUFA score levels for B2B customers. It is split into these columns:
Credit rating index
Risk rate in %
Maximum cart value in EUR
Retention time in days
The credit rating index and the risk rate are SCHUFA’s assessment of the requested customer. The maximum cart value limits the net cart value allowed for the respective risk rating. If the cart value is exceeded, the payment method is blocked automatically, even if it would be allowed based on the customer’s creditworthiness. The retention time in days defines how long a customer’s request is cached in the shop before a new SCHUFA check is triggered for a later order.
Credit rating index and risk rate are fixed values and cannot be changed. Maximum cart value and retention time can be adjusted.
Adjusting the shopping cart value and storage time B2B
Click the three dots (...) on an entry and choose Edit. This opens the edit screen. The fields credit rating index and risk rate cannot be changed, because SCHUFA provides these values via the API.
Credit rating index
Disabled field
SCHUFA credit rating index
Risk rate in %
Disabled field
SCHUFA risk rate
Maximum cart value in EUR
Numerical input
Set the maximum allowed net cart value (EUR) for customers with the risk rate stored in this entry.
Retention time in days
Numerical input
Defines how many days a successful SCHUFA check is stored. If a user orders again within this time, no new check is triggered.
To save your changes, click Save. To return to the list view, click Cancel.
Configuring payment methods for SCHUFA Credit Report
If a payment method should only be available after a positive SCHUFA Credit Report, you must configure this on the payment method.
A SCHUFA check may only be performed for payment methods that carry a default risk for the shop owner. These are: purchase on account and SEPA direct debit.
In the Shopware administration, go to Settings > Shop > Payment methods, select the payment method, and click Edit details. This opens the payment method edit screen. Scroll down to the custom fields section. Enable the risk check by toggling Enable SCHUFA risk check.
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