Creditsafe Global Business Credit API
Creditsafe global business credit and risk intelligence REST API covering 365M+ companies in 160+ countries. Enables AI agents to retrieve global business credit scores and risk ratings for international B2B credit decisioning, access company financial data and payment behavior for supplier and customer risk assessment, manage KYB (Know Your Business) identity verification for business onboarding compliance, retrieve beneficial ownership and director data for anti-money laundering and sanctions screening, access company search and matching for global entity resolution, retrieve insolvency and legal event data for early warning risk monitoring, manage portfolio credit monitoring and change alert subscriptions for ongoing risk management, access trade payment data and Days Sales Outstanding (DSO) benchmarks for AR risk, retrieve company hierarchy and group structure for corporate relationship mapping, and integrate Creditsafe with CRM, ERP, and trade credit management platforms.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Global B2B credit. GDPR, SOC2. OAuth2. EU/US/UK/Global. Company data and director PII.
⚡ Reliability
Best When
An internationally active B2B company, trade credit insurer, export finance team, or compliance organization wanting AI agents to automate global business credit decisions, KYB verification, beneficial ownership screening, and international supplier risk management.
Avoid When
GDPR LAWFUL BASIS FOR EU COMPANY DATA: Automated retrieval and processing of EU business data including director personal information must have lawful basis under GDPR Article 6; automated KYB workflows processing director PII must document purpose and apply data minimization. Sanctions screening completeness — Creditsafe beneficial ownership data for private companies in offshore jurisdictions may be incomplete; automated AML sanctions screening must not treat Creditsafe as sole source of truth for high-risk jurisdiction onboarding. Country coverage depth variance — Creditsafe credit data depth varies significantly by country; deep financial data available for UK, Germany, and US; thin data in emerging markets; automated credit decisions must account for data quality by country before relying on scores. Data resale license restriction — Creditsafe license terms prohibit redistribution or resale of retrieved company data; automated workflows exporting data to third parties create contractual liability.
Use Cases
- • Making global credit decisions from B2B credit agents
- • Verifying businesses from KYB onboarding agents
- • Monitoring supplier risk from procurement agents
- • Screening beneficial owners from AML compliance agents
Not For
- • Consumer credit decisions (FCRA-compliant CRAs only)
- • Real-time fraud detection requiring sub-100ms response
- • Deep financial statement analysis requiring audited filings
Interface
Authentication
Creditsafe uses OAuth 2.0 (token-based). REST API with JSON. Cardiff, Wales HQ. Founded 1997. Private. 160+ countries, 365M+ company records. Market leader in global B2B credit intelligence. Competes with Dun & Bradstreet, Experian Business, and Euler Hermes for global trade credit. 100,000+ B2B customers.
Pricing
Cardiff Wales. Founded 1997. Private. 160+ countries. 365M+ companies. 100,000+ B2B customers. Per-report and subscription pricing.
Agent Metadata
Known Gotchas
- ⚠ COUNTRY DATA QUALITY VARIANCE: Creditsafe credit score reliability varies dramatically by country; UK, Germany, France, and US have deep financial data; emerging market countries may have only basic company registry data; automated credit decisions must validate data completeness by country before applying uniform decision thresholds
- ⚠ GDPR director and officer PII — automated KYB workflows retrieving director personal data for EU companies must document GDPR lawful basis (legitimate interests or legal obligation) and implement data minimization; automated storage of director PII beyond KYB purpose creates GDPR retention violation
- ⚠ Beneficial ownership private company gaps — Creditsafe beneficial ownership data for private companies in offshore or low-disclosure jurisdictions (BVI, Cayman, etc.) may be incomplete or absent; automated AML onboarding must not rely solely on Creditsafe for beneficial owner identification in high-risk jurisdictions
- ⚠ Company matching confidence threshold — automated global company search for common business names may return multiple candidates with similar names across different jurisdictions; always validate match by registered address, registration number, and jurisdiction before automated decision
- ⚠ Token expiration handling — Creditsafe OAuth tokens expire on short intervals; automated high-frequency workflows must implement token refresh logic; token expiration without refresh causes silent authentication failure and data gaps
- ⚠ Portfolio monitoring webhook deduplication — Creditsafe monitoring alerts for credit score changes may deliver duplicate events during retry; implement idempotent processing with company ID + event timestamp deduplication
Alternatives
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Scores are editorial opinions as of 2026-03-07.