Products
© Fiskil 2026. All rights reserved.
Consumer Finance
Payment Capability Verification
Payment plans fail when customers can't afford installments. Fiskil assesses real payment capability by analyzing cash flow and existing commitments.
Customers default on payment plans because affordability wasn't properly assessed upfront.
High first-payment failure rate (15-25%)
Customers overcommit to unaffordable payment plans
No visibility into existing payment commitments
Stated income doesn't reflect true affordability
Collection costs erode profitability
Analyze actual cash flow and existing commitments to determine realistic payment capability.
Analyze income and expenses to calculate available cash flow for payments.
Identify existing loans, BNPL, rent, and other payment obligations.
Model whether specific payment schedule fits within cash flow.
Verify sufficient funds for first payment before approval.
Add cash flow-based payment verification to your approval process.
Customer applies for credit or payment plan and connects banking.
API analyzes 3-6 months of transactions to calculate disposable income.
System determines if proposed payment schedule is affordable.
Approve affordable plans or suggest adjusted terms that fit cash flow.
Calculate available income after all expenses and commitments.
Recommend payment schedules that align with income timing.
Ensure payments leave adequate buffer for unexpected expenses.
Factor in all existing payment obligations from transaction data.
Recommend payment dates that align with income deposits.
Alert when customer cash flow changes may impact payment capability.
A furniture chain offers payment plans with real affordability assessment.
Result: First payment failure rate reduced from 22% to 6% with better capability assessment.
A dental practice offers treatment payment plans with verification.
Result: Payment plan completion rate increased from 68% to 91%.
A solar company verifies customers can afford system payment plans.
Result: Default rate reduced from 14% to 3%, enabling more aggressive pricing.
POST /payment-capability/assessGET /accounts/{accountId}/disposable-incomePOST /payment-schedule/affordabilityGET /payment-capability/scoreDisposable income
Existing commitments
Payment capability score
Recommended payment schedule
Cash flow forecast
Risk indicators
OAuth 2.0 / CDR consent
Yes
Analyzes actual current cash flow rather than past credit behavior, predicting ability to pay.
Recommend assessing 3-12 month payment plans. Longer terms have more uncertainty.
Analysis accounts for income variability and recommends conservative payment amounts.
Yes, system can recommend payment dates aligned with income timing for better success.
Loans, BNPL, rent, credit cards, subscriptions, and any recurring payment obligations.
Recommend leaving 15-20% buffer for unexpected expenses to prevent payment failure.
Yes, business cash flow can be analyzed for B2B payment plan affordability.
Fintech
Verify account balances in real-time before processing transactions. Prevent failed payments and NSF fees with instant balance checks across Australian banks.
Lending
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Consumer Finance
Approve BNPL purchases instantly using real-time banking data. Verify affordability and reduce defaults with instant income and cash flow verification.
Join hundreds of companies using Fiskil to power their consumer finance applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.