Whether it’s an annual transport pass or an energy supply contract: FINcredible automatically verifies your customers’ identity and creditworthiness. Secure the monthly payment directly via digital SEPA eMandate.
Industries · Energy & Mobility
Annual pass or energy contract. Paid monthly, secured digitally.
About This Industry
Whether it’s an electricity contract, a gas subscription, or an annual pass: providers in energy and mobility rely on monthly payments from their customers. FINcredible verifies identity and payment capacity before the contract even starts.
You can additionally secure the monthly direct debit with a digital SEPA eMandate — legally valid, with no signed paper form.
Fewer payment defaults
Knowing your customers’ creditworthiness before the contract starts significantly lowers the risk of missed payments.
A more sustainable billing process
Digital SEPA mandates replace payment slips and paper invoices. Better for your customers, better for the environment.
Our results in numbers
100% digital
Paperless contract signing
From identity verification to the first direct debit, everything runs online.< 1 minute
Time for a single check
That's how fast you know whether a contract can be safely signed.0 payment slips
Less paper, less admin
Every digital eMandate saves paper, postage and administrative effort.Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Industry set of features
From first inquiry to first direct debit — each step runs digitally.
Identity Verification
FINcredible confirms new customers' identity digitally — via ID Austria, Bank-Ident or Document-Ident. No paper copies, no in-person appointment.Creditworthiness Check
FINcredible checks before signing whether your customers can afford the monthly installment. The basis: real, current account data instead of outdated credit reports.SEPA eMandate
FINcredible sets up the direct debit mandate for energy bills or transport subscriptions digitally. Legally valid, with no signed paper form.Trusted by Europe’s Leading Enterprises
From established financial institutions and property managers to high-growth digital platforms, market leaders rely on FINcredible. As a fully regulated, PSD2-authorized partner, we provide the real-time, fraud-proof bank data our clients need to make smarter decisions and build lasting trust
Why FINcredible
Regulated. Accredited. Built for Utilities.
FINcredible makes complex identity, creditworthiness, and onboarding processes simple, intuitive, and digitally accessible for energy and mobility providers and their customers.
Decisions in Real Time
Identity, account data, creditworthiness, and fraud risks are securely verified and analyzed in real time enabling faster, more informed customer processes.
Modular. Scalable. Tailored.
From individual modules to a complete solution suite flexibly adaptable to your industry and operational processes.
Simple & Accessible
Complex technology, designed for seamless usability for your teams and customers, without technical barriers.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Modular services for secure, digital and compliant customer processes.
Analytics & Data Intelligence
Real-time analytics for informed financial and regulatory decision-making.
Integration Support
Seamless integration into existing systems via API, WebApp or white-label solutions.
Customization
Custom verification and decision models tailored to industry, risk and process requirements.
Ready to secure recurring payments without chargeback risk?
More Case Studies
Check out our case studies.
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For Energy & Mobility Providers
Payments & Fraud Protection
Sustainability & Process
What is FINcredible used for in the energy and mobility sector?
FINcredible supports the digital signing of energy supply contracts as well as annual passes and subscriptions for public transport with monthly payment.
How does FINcredible reduce payment defaults on monthly contracts?
FINcredible checks creditworthiness based on real, current account data, so you know before signing whether your customers can afford the monthly payment.
How fast is a single check with FINcredible?
An identity check, a creditworthiness check, or setting up a SEPA eMandate each takes under a minute with FINcredible.
Can I use the FINcredible solutions individually?
Yes, Identity Verification, Creditworthiness Check and SEPA eMandate are standalone solutions. You choose exactly the ones you need for your use case.
How does FINcredible protect against fraud during contract signing?
FINcredible’s Identity Verification confirms who is actually signing up. The Creditworthiness Check separately shows whether a payment is realistically possible.
What happens if the creditworthiness check comes back negative?
FINcredible provides you with the result; the decision on whether to proceed with the contract remains yours.
How does FINcredible support a more sustainable billing process?
FINcredible’s digital SEPA eMandate replaces signed paper forms and payment slips, saving paper, postage and administrative effort
Is the FINcredible process simple for customers?
Yes, each individual check runs digitally for your customers, with no paper form and no in-person appointment.
Is FINcredible's process GDPR-compliant?
Yes, all data collection and processing at FINcredible meets GDPR requirements.
Testimonials
See what our clients say about working with us.
5/5
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
5/5
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
5/5
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
5/5
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
5/5
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
5/5
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
5/5
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten
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