Welcome to Credit Gateway

We provide industry-leading APIs to access
business credit scores and intelligence data.

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Our APIs


Bank Connector API

The Bank Connector API allows you to use our Open Banking AISP service to ask users to connect their bank accounts.

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Behavioural Score API

The Behavioural Score API allows you to send us Open Banking transaction data and receive a Credit Passport behavioural score in return.

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Financial Score API

The Financial Score API allows you to send SME financial accounts data and receive a Credit Passport Financial score in return.

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Sample Credit Passport Behavioural Score

You can find more information by exploring our APIs rich documentation. Sign up to obtain full information, sample code snippets and all the support you need to integrate with Credit Gateway.

GET /score/behavioural/10002

"RatingBands": [
"Scale": "aaa",
"Label": "A++",
"Description": "Excellent",
"Frequency": 997,
"Ratings": [
"Class": "aaa",
"UpperLimit": 0.000185,
"ImpliedRating": "Aaa.edf"

Trust is our priority

"Credit gateway APIs drive our digital transformation. They are highly reliable and blazingly fast."
Glen Keller

Chief Product Officer at CRIF Realtime

Credit Gateway is a product of CRIF RealTime Ltd.

CRIF RealTime Ltd. is an FCA authorised Account Information Services Provider (AISP) with FRN 79194

Registered office:
Suite 1, 3rd floor, 11-12 St. James’s Square,
London. SW1Y 4LB. UK 

Company no. 10964103