Clear pass, fail, and conditional answers from your own rules.
You define the criteria settings. Payscore verifies income, employment, and identity against those criteria, then returns a transparent pass/fail or conditional result your team can act on in seconds.
Your rules. Verified data. A clear answer.
Configure your policy
Set rent-to-income ratios, minimum account balances, name-match requirements, and any custom thresholds your portfolio requires.
Verify the applicant
Payscore collects verified bank, payroll, and employment data directly from the source. No screenshots or self-reported numbers or guessing about the truth.
Get an outcome
Every application returns a clear pass, fail, or conditional result with auditable reasoning your team can trust.
Build the exact policy your team follows today.
Every rule is configurable, weighted, and fully auditable. Mix income ratios, account balance checks, and identity matches, then let Payscore investigate, evaluate and report on each applicant consistently.
- Set minimum and maximum thresholds per property or portfolio
- Require specific data sources (payroll, bank, or documents)
- Flag edge cases as conditional for manual review
Applicants on the bubble get a conditional outcome based on your rules.
Conditional sits between pass and fail. When an applicant is close to your thresholds but not a clear yes or no, Payscore can mark the case conditional according to your requirements. Each conditional outcome is labeled to match your workflow, and rules can be configured separately for applicants and guarantors.
- Define what triggers a conditional result
- Label multiple conditional results to your specific business case
- Rules for guarantors applied separately from applicants
Turn policy into action.
Faster approvals
Automated pass/fail evaluation cuts review time from hours to seconds.
Consistent standards
The same rules apply to every applicant, property, and portfolio.
Less back-and-forth
Applicants get a clear outcome and your team gets a complete income verification file.
Audit-ready
Every decision is logged with the criteria and data sources behind it.
See how pass, fail, and conditional decisioning fits your workflow.
Get a tailored walkthrough of Payscore's rules engine and see your own policy configured in real time.