FOR LENDING/BNPL - cCD2 scoring
CCD2 compliance starts with data you can trust
Tapix turns raw PSD2 transaction data into verified income, categorised expenses, and surfaced risk flags, feeding your existing scoring engine the inputs CCD2 actually requires.
CCD2 requires verified income and categorised expenses for every applicant, including micro-credits under €200. Without automated categorisation, your team is manually triaging hundreds of transactions per case.
Risk indicators are hiding in cryptic strings. Gambling, payday loans, and crypto transfers are decisive CCD2 red flags. In raw open banking feeds, they show up as "CRV*OPTMOBLCOFI.HU". Your scoring model can't flag what it can't read.
Tapix brings banking-grade quality to open banking data
We bring banking transaction enrichment refined across 60B+ enriched transactions to the open banking world, turning raw PSD2 feeds into the structured signals your scoring engine actually needs.
From raw PSD2 feed to scoring-ready inputs
in one API call
in one API callTapix turns unstructured transaction description into structured income, expense, and risk segments
your existing models can actually use.
Match six key attributes per transaction
Turn raw data into CCD2-ready segments
Feed your existing scoring engine
From compliance burden to competitive advantage
CCD2-ready data doesn't just satisfy regulators. It speeds up underwriting, surfaces hidden risk, and reveals which products to offer next.
Hit CCD2 compliance without rebuilding your stack
Structured income, expense, and risk-flag data flows directly into the scoring engine you already run. Meet creditworthiness-assessment requirements out of the box, even for micro-credits under €200.
Catch risk signals you're missing today
Gambling spend, irregular income patterns, payday-loan obligations, and hidden recurring debits surface automatically. No analyst flagging, no cryptic merchant strings slipping through.
Cut time-to-yes and lift conversion
Automated enrichment removes the manual review bottleneck. Underwriting gets faster, onboarding gets shorter, and more applicants make it from "applied" to "approved."
Cross-sell with intelligence
The same enriched transaction data that satisfies CCD2 reveals each customer's spending preferences and financial behaviour. Right product, right customer, right moment, from data you were already required to collect.
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Tapix’s CCD2 data enrichment operates as a structured API layer delivered via secure REST API integration. Review the data model, endpoints, integration patterns, and security approach in the technical overview
FAQs
Bring more value to your users through enriched payment data
There are many methods available for you to see if Tapix is the right service for you. The simplest way to see how Tapix works is by sending us a csv file with several hundred sample transactions which we will send back to you with the enriched data. You also can head to sandbox and try out Tapix yourself and call the API using your own credentials. If you have any troubles, please contact us at support@tapix.io and we will check whether the input data are formatted correctly. If you want to learn more about Tapix or try it out, please do not hesitate to contact us.
Tapix uses multiple controls based on statistics, outlier detection and various algorithms to provide you with the best data quality possible. Data quality is supervised by our data team to prevent any mistakes. Due to the complexity of data quality checks, Tapix receives less than 1 complaint per 6 000 000 processed transactions.
Through the API you only transfer the terminal identifiers. Tapix fulfills the highest security standards and processes no personal information about your clients. We are ISO 27001 certified and GDPR compliant. Dateio stores and processes data in AWS which fulfills the highest security standards.
Note that if Tapix returns an “unsolved” shop, it might be due to several reasons. The data provided might not be sufficient to identify the correct shop (e.g., not enough parameters provided), or Tapix might not recognize the shop at this time. Tapix always returns as much information as possible, but some information about the shop or the merchant may still be missing. Note that the quality of the service improves over time, and your data may be resolved in the near future.
Yes, upon request Tapix is able to provide you with tailor-made categorization custom-built to your needs. New tags can also be added to Tapix in order to support specific use cases or help you to provide specific information to your customers according to their demands.
Pavel Prucek
Head of Product at Twisto
See Tapix in Action
30-minute walkthrough with a live demo tailored to your lending model and transaction data. See how Tapix turns raw payment records into CCD2-compliant creditworthiness inputs – using sample data that reflects your real-world scenarios.