Best Practice: Discountlens
From the first Swiss contact lens business to the largest online lens provider in Switzerland. Thanks to the pioneering spirit of Jacqueline Urbach, the inventor of the popular colored lenses, we can buy every brand of contact lens and solution online at at the best possible price.

Because of our plans to expand into the European market, we faced the challenge involved in processing "deferred billing" payments throughout every German-speaking area of Europe. On the basis of our own research, we regarded this as the pre-requisite for us to succeed against our competitors in these markets.

To offer “deferred billing” payment in combination with an automated credit check for every country. Our goal was continuous, sustainable growth, which is why we aspired towards a low default rate in spite of deferred billing payment. If possible, the solution was required to access very high quality data in every country through one interface, but should still include country-specific management elements.

Automated credit checks integrated directly into the shop ordering process for every country through a single interface, combined with a country-specific payment method management system provided by CRIF.

"Convenient ordering with deferred billing" is the most customer-friendly payment method. This depends on reliable credit checks. We receive high-quality data from CRIF. With an 80% “deferred billing” volume and a debt loss of much less than 1% over the whole of the DACH (Germany, Austria and Switzerland) region, we are convinced by the quality of this solution.

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    "As an online store, providing customers with the ability to order and pay on invoice carries some risks, yet even more opportunities. With CRIF as our partner in automated credit scoring, we have managed to dramatically reduce losses from debtors while at the same time increasing sales through deferred billing. The quality of the data provided and the reliability and flexibility of CRIF is important to us."

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    "Recent studies suggest that the use of credit cards as a method of ordering online is still met with resistance from a large number of customers. We at Blacksocks realized at an early stage that offering online deferred billing is a key factor of success for our online store. This is why we have been offering this service to our customers since it was launched. Thanks to the highly automated and very reliable credit screening solutions offered by CRIF in real time at the moment of purchase, we’re in a much better position to avoid losses from debtors."

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    "One of the key factors that differentiates the Competec Group is the ability of its customers to order on account. In this way, we can offer our IT and EU online customer base a convenient and almost unique service. In order to offer this service we rely on internal credit scoring and data supplied by CRIF."

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    "As a leading online shopping club for branded apparel, accessories and lifestyle products, we use CRIF’s data assets, thanks to their almost complete coverage, not only for customer identification and verification purposes, but also for the seamless integration of customer credit screening at the moment of purchase. Thanks to, among other things, deferred billing together with CRIF’s credit scoring solutions, we have exceeded our sales forecasts while registering low losses from debtors. As an independent risk management partner, CRIF brings us great data quality and professional, customer-oriented consulting."