Credit API
B2BWhite-label credit scoring for banks, MoMo operators & microfinance institutions
Active API Partners
12
+2 this month
Assessments Today
3,847
↑ 12% vs yesterday
Revenue This Month
GHS 142,680
↑ 8.4% vs last month
Avg Response Time
187ms
Well within SLA
API Partners
5 partners totalMTN MoMo Ghana
Mobile Money OperatorEnterpriseActiveMMO-GHANA-****88478,432 / 10,000 assessments84%
Revenue
GHS 16,864
Joined
Jan 2024
Fidelity Bank Ghana
Commercial BankStandardActiveBANK-FID-****22911,847 / 2,000 assessments92%
Revenue
GHS 3,694
Joined
Mar 2024
Fido Micro Credit
MicrofinanceStarterTrial — 14 days leftMFI-FIDO-****5503312 / 500 assessments62%
Revenue
GHS 624
Joined
Jun 2024
Ecobank Ghana
Commercial BankStandardActiveBANK-ECO-****77141,654 / 2,000 assessments83%
Revenue
GHS 3,308
Joined
Feb 2024
Vodafone Cash Ghana
Mobile Money OperatorEnterpriseActiveMMO-VOD-****33907,210 / 10,000 assessments72%
Revenue
GHS 14,420
Joined
Jan 2024
API Pricing Plans
Starter
GHS 2/ assessment
500 assessments/month · GHS 1,000 base
Response Time
<2 seconds
- Basic credit score
- KYC tier classification
- Standard API access
- Email support
- Monthly usage report
Most Popular
Standard
GHS 1.85/ assessment
2,000 assessments/month · GHS 3,700 base
Response Time
<500ms
- Full score breakdown
- Repayment probability
- Behavioral risk flags
- Priority API access
- Webhook notifications
- Dedicated account manager
Enterprise
GHS 1.50–1.75/ assessment
Custom volume · Custom pricing
Response Time
<200ms
- Full score + behavioral insights
- Webhooks & real-time events
- Custom scoring models
- Dedicated infrastructure
- SLA guarantee (99.9%)
- White-label option
- 24/7 dedicated support
Assessment Logs
Last 50 API calls — user data shown as hashed ID only
| Partner | Timestamp | User Hash | Score | Decision | Response |
|---|---|---|---|---|---|
| MTN MoMo Ghana | 2024-06-15 14:32:07 | usr_a3f8b2c1d9e4 | 742 | Approved | 145ms |
| Fidelity Bank Ghana | 2024-06-15 14:31:55 | usr_b7e2a9f4c1d8 | 618 | Review | 312ms |
| Vodafone Cash Ghana | 2024-06-15 14:31:42 | usr_c5d1e8b3a7f2 | 805 | Approved | 98ms |
| MTN MoMo Ghana | 2024-06-15 14:31:30 | usr_d9a4f7c2e1b5 | 490 | Declined | 167ms |
| Ecobank Ghana | 2024-06-15 14:31:18 | usr_e2b8d5a1f9c3 | 671 | Approved | 224ms |
| Fido Micro Credit | 2024-06-15 14:31:05 | usr_f6c3e9b4d2a7 | 558 | Review | 389ms |
| MTN MoMo Ghana | 2024-06-15 14:30:52 | usr_g1d7a2f5c8e4 | 789 | Approved | 132ms |
| Fidelity Bank Ghana | 2024-06-15 14:30:40 | usr_h4e1b9d3a6f8 | 723 | Approved | 278ms |
| Vodafone Cash Ghana | 2024-06-15 14:30:27 | usr_i8f5c2e7b1d9 | 445 | Declined | 115ms |
| Ecobank Ghana | 2024-06-15 14:30:15 | usr_j3a9d6f1c4e7 | 692 | Approved | 198ms |
| MTN MoMo Ghana | 2024-06-15 14:30:02 | usr_k7b2e4a8d5f1 | 834 | Approved | 88ms |
| Fido Micro Credit | 2024-06-15 14:29:50 | usr_l1c6f9b3e2a8 | 512 | Review | 445ms |
| Fidelity Bank Ghana | 2024-06-15 14:29:37 | usr_m5d8a1f4c7e3 | 761 | Approved | 267ms |
| Vodafone Cash Ghana | 2024-06-15 14:29:25 | usr_n9e3b7d2a5f6 | 648 | Approved | 143ms |
| MTN MoMo Ghana | 2024-06-15 14:29:12 | usr_o2f7c4e9b1d5 | 577 | Review | 201ms |
API Documentation
View Full DocsPOST
/api/v1/credit/assessRequired:
user_kyc_id, assessment_typeOptional:
include_behavioral, webhook_urlReturns:
credit_score, tier, limit, probabilityAuth:
Bearer API_KEYSample Response
{
"credit_score": 742,
"tier": "Silver",
"credit_limit": "GHS 5,000",
"repayment_probability": 0.87,
"risk_flags": [],
"response_time_ms": 145
}Rate Limit
Per plan tier
Auth Method
Bearer Token
Format
JSON / REST
Uptime SLA
99.9%