Payment Indicators

Cheqm provides payment indicators that support organizations in carefully assessing applications, performing risk assessments and complying with legal obligations such as Know Your Customer (KYC) and Customer Due Diligence (CDD). These indicators are compiled from current, public and legally permissible data, without using payment behavior, personal profiles or non-public data sources.

Our approach uses actual and verifiable data points, such as official disclosures and publicly available records. This data is aggregated into objective risk signals that help organizations design processes more efficiently and transparently. This provides a reliable foundation for risk assessments, without infringing on the privacy of those involved. Cheqm explicitly does not work with behavioral analysis. All information used is transparent, verifiable and accessible to everyone, keeping the processing entirely within the frameworks of the AVG.

With this method, we support organizations in consistent decision-making, regulatory compliance and reducing operational risks, in a way that is privacy-friendly and legally sound.