🧾 Why do I need a Credit Check?
To use “Pay on Invoice” on Gingr, you first need to verify your identity (KYC) and pass a creditworthiness check.
We partner with CRIF AG, one of the most trusted credit rating agencies in Europe, to securely evaluate your creditworthiness.
This process is quick, automatic, and ensures that we can offer you a safe and flexible way to book now and pay later.
🧭 Step-by-Step: How It Works
Step | What Happens |
✅ Step 1: KYC (Identity Verification) | We check your name, date of birth, and address |
✅ Step 2: Credit Check (via CRIF AG) | Based on your credit score, we assign you a credit limit |
✅ Step 3: You're ready to book on invoice | If approved, “Pay on Invoice” is activated in your wallet & checkout |
🧠 What is CRIF?
CRIF AG is a leading Swiss credit information provider.
They analyze your financial history using public and proprietary data to calculate a credit score.
🔒 Secure & GDPR-compliant
📍 Based in Zurich, trusted by banks & fintechs
⚡️ Instant response for fast bookings
💳 What Credit Score Do I Need?
Your CRIF score determines your invoice credit limit:
Score Range | Zone | Limit Available |
600–700 | Green | Up to CHF 2,000 |
551–599 | Green | CHF 1,750 |
501–550 | Green | CHF 1,500 |
451–500 | Green | CHF 1,000 |
401–450 | Yellow | Up to CHF 500 (limited access) |
Below 400 | Red | ❌ No invoice access |
💡 These limits are automatically calculated. You’ll see your exact credit line after the check.
💻 Where do I start the Credit Check?
You can start the process in two places:
In Your Wallet
Go to your wallet → Tap Enable Invoice Payment → Follow the steps
During Booking
Choose Pay on Invoice as your payment method
→ If it’s your first time, the system guides you through KYC + credit check
🔄 What Will I See on Screen?
Status | What You See |
🟡 Not Started | "Start KYC and Credit Check" button |
🟠 In Progress | Spinner + “We’re checking your score with CRIF...” |
✅ Approved | 🎉 “Credit Check Successful” + your credit limit |
❌ Declined | Message explaining invoice not available and alternative payment options |
🧯 What If My Check Fails?
You’ll still be able to:
Pay with Cash
Use your Wallet
Pay via TWINT or Credit Card
Use Bank Transfer or Payment Slip to top-up your Gingr Wallet
You can try the credit check again later if your data has changed.
📈 What Happens After a Successful Check?
You’ll get your credit limit instantly
You can pay bookings or top up your wallet “on invoice”
You can view your credit usage and unpaid invoices in real-time
If you reach your credit limit or miss a payment, the system will block further invoice payments until resolved
💬 Need Support?
If you're having trouble with the credit check or unsure what your CRIF score means, reach out to our support team. We’re happy to help.
📩 [email protected]
💬 Or use the in-app chat.