Risk

The GET endpoint returns the verification result immediately in response to the API call.
It is ideal for real-time checks, for example during online form completion or user onboarding flows.

If the system is unable to provide the result synchronously, an ID will be returned, allowing you to retrieve the result with a subsequent API request.

The POST endpoint, instead, processes the request asynchronously: it takes charge of the request and immediately returns a unique ID. The result can then be retrieved later through a second API call.

It is also possible to configure a callback (webhook) to automatically receive a notification when the data is available.

This mode is recommended for:

• high request volumes
• batch processing
• automated workflows that do not require an immediate response

In summary:

• GET → synchronous (real-time) verification
• POST → asynchronous verification (with later retrieval or callback)

Depending on the type of service and selected endpoint, you can obtain individual data (such as phone numbers or negative information) or reports with dozens of information verified by dedicated professionals.

The available reports and documents for individuals are:

• Individual Report
• Individual Top Report
• Asset Report
• Asset Top Report
• Heirs Report (with or without inheritance acceptance)
• CRIF Individual Report

The available reports and documents for companies are:

• Company Report
• Company Top Report
• CRIF Company Report

Services with data:

• Personal information with residence or registered office
• Negative information (for both companies and individuals)
• Credit Score start, advanced, and top (for companies only)

For Person Reports (Report Person, Asset Person, Asset Person Top) the following data must be passed in the body of the request:

• First name (name)
• Surname
• TaxCode

Optional parameters for customising the report are: "logoPdf", "titlePdf", "textPdf".

For Company Reports (Company Report and Top Company Report) the following data must be passed in the body of the request:

• Company Name (companyName)
• Tax Code (taxCode)

VAT number (vatCode) and the values for customising the report are optional: "logoPdf", "titlePdf", "textPdf".

For Heir reports (with or without acceptance) the following data must be passed in the body of the request:

• First name (name)
• Surname (surname)
• TaxCode

Optional parameters for customising the report are: "logoPdf", "titlePdf", "textPdf".

Reports can be requested in PDF or JSON format.

The Valutazione_Esito field ranges from 1 to 4, where a lower value indicates a higher level of risk.

• 4: Low risk
• 3: Normal risk
• 2: Medium risk
• 1: High risk

In summary, the scale is inverted: as the value increases, the associated risk level decreases.

The Stato Effetto and Codice Stato Effetto fields can take the following values:

C – Cancellato (Cancelled)
N – Normale (Normal - active and present)
O – Oscurato (Obscured)
R – Riabilitato (Rehabilitated)
S – Sospeso (Suspended - under review or resolution process)
Z – Cancellato per riabilitazione (Cancelled due to rehabilitation)

These codes indicate the current status of the record within the negativity management system.

Yes, it is possible to customise all reports with the exception of the CRIF (Financial Risk Centre) Company Registration Reports (for Person and Company).

In particular, you can customise:

• Title
• Logo
• Description

Customisation can be indicated when requesting the report using either the following parameters: "logoPdf", "titlePdf", "textPdf".

If they are not indicated, the default values will be used.

To make a request to the credit scoring services, one of the following parameters is required:

• Tax Code
• VAT Number
• Company Identification Code

The request parameter is identical for all three services and can be one of the following: Tax Code, VAT Number, or Company Identification Code.

The information in the response, however, is predominantly different.

The following information is present in the response of all three services and represents the dataset available in the credit score start:

• Organization Name (organization_name)
• Request Date (requested_at)
• VAT Number (vat)
• Tax Code (tax)
• Request ID (id)
• Company ID (company_id)
• Request Timestamp (time_stamp)
• Risk Score (risk_score)

The information for the risk score is different: for the start, it is limited to only 3 values, while for advanced and top, it is 7.

The credit score advanced, in addition to the previous data, also offers:

• Risk Score Description (risk_score_description)
• Maximum Credit Amount Receivable from a Financial Institution (operational_credit_limit)
• Risk Severity (risk_severity)
• Risk Rating

The credit score top is enriched with the following information:

• Maximum Credit Amount Receivable from a Financial Institution (operational_credit_limit) divided for the last 12 months
• Public Rating (public_rating) divided for the last 12 months
• Year of the Last Submitted Financial Statement
• Evaluations, Descriptions, and Trends of the Company from an Economic, Asset, and Financial Perspective in a Summary
• Analysis of Individual Indices of the Economic, Asset, and Financial Profiles in a Summary

The number of colors that identify the risk index depends on the Credit Scoring service used.

For the Credit Score Start service, there are 3:

• Green
• Yellow
• Red

For the Credit Score Advanced and Top services, there are 7:

• Dark Green
• Light Green
• Green
• Yellow
• Red
• Bright Red
• Dark Red

In some cases, such as for ceased businesses, the color gray may be returned, indicating non-available (NA) cases.

There is not always a direct correspondence between the risk score index and the risk description. In some cases, for example, the response might include "absence of negative events" or "presence of negative events," which do not correspond to the risk score and indicate risks processed in the absence of financial statement data.

The search parameters for identifying the subject for KYC services are:

• First name
• Last name
• Full name
• Date of birth (yyyy-mm-dd)
• Type of subject (entity): Private individual, Legal entity, Website, Ship, Aircraft, Unknown
• Deceased (whether the person is alive or deceased)

PEP, Adverse Media, Sanctions List, and Full KYC services are designed to comprehensively support customer due diligence obligations, helping financial intermediaries and other obligated entities comply with Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT), and Know Your Customer (KYC) regulations. Together, these services help strengthen compliance and safeguard operational integrity.

Each service has a specific purpose:

• PEP (Politically Exposed Persons)
  Identifies politically exposed individuals, providing details such as the role held, associated organization, and personal data. Useful for assessing the risk associated with individuals with potential political influence.
• Adverse Media
  Checks for negative news and legal events involving individuals, including PEPs. Essential for identifying reputational risks or links to illicit activities.
• Sanctions List
  Verifies whether a person or entity is listed on major international sanction lists such as those issued by the UN, OFAC (U.S.), and the European Union.

Full KYC combines data from the three services above (PEP, Adverse Media, Sanctions List) in a single request, offering a complete overview also available in PDF format.

For KYC services, requests on entities can be made within 10 days of the search using the POST method.

Credit Score's algorithms are developed in a proprietary way by us and our partners and providers on the basis of available official data and thanks to the experience gained by a team of analysts from the banking world and the market's leading business information companies.

In particular, the valuation of capital companies is based on a statistical model using a two-level discriminant function of banking origin.
The results obtained (in the advanced service) are compared on a sample basis with competitor scores for greater confidence and the accuracy is almost total (we give 98.9% homogeneous result).

Data and reports are taken from official and certified sources and public databases such as Registry Office, Chamber of Commerce, Revenue Agency, CRIF (Financial Risk Centre), Experian.

Only for certain services that are subject to the TULPS and its license (Article 6 of the TULPS license) is there a requirement for identification by means of an ID card of the person or company requesting the service.

In the Usage section, at the API level, you can monitor your free and subscription or top-up requests. They are available both graphically (period month and year) and with a textual summary.

Report processing times depend on the type of service:

• Person Report: from 10 minutes (may take up to 24–48 hours on holidays)
• Person Top Report: 10 days
• Person Asset Report: 10 days
• Person Top Asset Report: 10 days
• Heir Report: 12 days
• Company Report: 10 minutes
• Company Top Report: 10 days
• Credit Scoring: this is a synchronous service and is typically processed within a few seconds
• KYC (PEP, Adverse Media, Sanction List, Full): within a few seconds
• Adverse Media: within a few seconds
• Tax Code Verification: within a few seconds

Reports are asynchronous; therefore, we recommend setting up a callback during the request.

If no callback has been set, to check whether a report is available for download you must use the specific GET endpoint for that service. For example, for the Person Asset Report, you must call GET /IT-patrimoniale-persona/{id}; the id is returned in the response when the report is created.

For KYC services, the response is returned in real time.

Costs depend on the type of service requested and whether an active subscription is in place. Without a subscription, you pay the per-request price; with a subscription, you may benefit from discounted rates. On the Pricing page you will find:

• the cost per single request;
• the lowest applicable cost if you activate a subscription (when available).

To compare all plans and choose the most suitable one, visit the Subscriptions section.