Proportionate checks, in real time.
BNPL has to be fast and fair at once, and FCA oversight is arriving. Credit Canary runs a proportionate open banking affordability check in the checkout, so you approve good customers quickly and evidence the decision.
Fast, and fair
A soft check guesses. Open banking knows, in seconds.
- Approval on minimal data at checkout
- Affordability assumed, not evidenced
- Repeat and stacked borrowing invisible
- Hard to evidence a decision to the regulator
- Proportionate income and affordability check in-flow
- Real commitments and existing BNPL surfaced
- Stacked borrowing and conduct flags caught
- A defensible, evidenced decision on file
Open banking across the BNPL journey
A check that fits the checkout and stands up later.
Speed
A proportionate check that completes in the checkout flow.
Affordability
Verified income and real commitments, not an assumption.
Stacking
Surface existing BNPL and other short-term credit.
Consumer Duty
Evidence a fair, affordable approval under incoming rules.
The account, turned into a fast decision
The Open Banking enrichment behind our wider work, run proportionately at checkout.
Insight from across the platform
BNPL decisions draw on the same Open Banking depth and modules as the rest of Credit Canary.
Income verification
Turning transactions into verified, evidenced income.
Affordability assessment
Real income minus committed spending, not a declared guess.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability score
A decision-ready affordability view from real transactions.
Decisioning engine
Policy, data and models in one live, explainable decision.
All consumer credit products
Credit cards, BNPL, mortgages, car finance and more.
Approve BNPL fast, and fairly.
See how Credit Canary runs a proportionate affordability check from a real account.