TDS Risk
Products
Trust Score: £0.35/check Mobile KYC: £0.45/check
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Free fraud cost calculator

Fraud prevention ROI calculator: see what a £0.35 check saves.

Use this free fraud cost calculator to estimate what bad applications and leads cost once they reach credit checks, underwriting, KYC or manual review, and how much a 2-second, £0.35 Trust Score check at Step 0 could save.

Does not affect credit files, ever
Get your API key How it's calculated ↓
£0.35
Per check
<2s
Response
4
UK carriers
£0
Contract or setup
Trust Score ROI: liveUpdates live
Try
10,000
10%
£9
Net monthly saving+£4,150/mo
850 bad submissions stopped before your stack each month
Trust Score cost
£3,500
Downstream saved
£7,650
⚖️Pays for itself if each bad submission costs you more than £4.12 downstream.
Assumed catch rate: set your own
Per year: £49,800How it’s calculated ↓
Confirming identity too? Mobile KYC is £0.45 per check →
Why measure fraud cost at Step 0

The cost of fraud is set by where you check.

The later a bad submission is caught, the more it has already cost. A mobile risk check at the start of the journey protects every step that follows.

A complement, not a replacementYour credit bureaux, fraud tools and KYC stay exactly as they are.
Checks upstreamRisky submissions are flagged before they trigger credit searches, fraud bureau checks or underwriting.
Know your break-evenThe calculator shows the downstream cost per bad submission at which Trust Score pays for itself.
No downstream changesOne API call at the start of the journey. Nothing else in your stack moves.
Where TDS Risk sits in your stack

The upstream check that protects every step that follows

Each step to the right costs more, takes longer, and is harder to reverse. TDS Risk sits at step 1, where a £0.35 check can prevent £4–£50+ of downstream cost on every bad submission.

Step 1: You are here
📡
TDS Risk check
Carrier-derived trust score + identity signals. Flags VoIP, SIM swaps and call forwarding.
£0.35 – £0.45
→
Step 2
📊
Credit check
Hard or soft credit search. Leaves a footprint. Costs per search. Triggered on submissions that passed step 1.
£0.50 – £2.00
→
Step 3
🔍
Fraud bureau check
CIFAS, National Hunter, SIRA. Per-check cost. Takes time. Flags known fraud, but only after submission.
£0.50 – £3.00
→
Step 4
📋
Underwriting / review
Manual or automated underwriting. High cost. High latency. Operational overhead on bad submissions.
£5 – £25
→
Step 5
❌
Fraud discovered
Chargeback, write-off, or account closure. Operational cost, reputational damage, and regulatory risk.
£50 – £500+
The logic is simple: if a bad submission costs you more downstream than the break-even shown in the calculator above, TDS Risk pays for itself, while protecting every other system in your stack.
Stack positioning

We complement your stack. We don't replace it.

TDS Risk is not a fraud tool or a credit bureau. It's a carrier signal layer that sits upstream of all of them, improving their accuracy and reducing their cost by filtering submissions before they arrive.

🤝
Works alongside
Credit bureaux
Experian, Equifax, TransUnion still run their checks, but only on submissions that passed your TDS Risk carrier screen. Fewer bad searches. Cleaner data. Lower cost.
🤝
Works alongside
Fraud bureaux
CIFAS, National Hunter, SIRA catch known fraudsters. TDS Risk catches the ones who aren't in any database yet, using live carrier signals, not historical records.
🤝
Works alongside
Identity verification
Document verification, selfie checks, and liveness detection are expensive. TDS Risk filters out bad mobile submissions before they even reach your IDV provider.
🤝
Works alongside
KYC platforms
Full KYC journeys are costly and time-consuming. TDS Risk is a pre-KYC screen: a fast, cheap carrier check that filters obvious fraud before you invest in the full KYC process.
🤝
Works alongside
CRM & lead platforms
Validate mobile numbers at point of lead capture. Filter VOIP numbers, deactivated lines, and recently changed numbers before leads enter your CRM and waste your team's time.
🤝
Works alongside
Underwriting engines
Feed TDS Risk signals (trustScore, riskLevel, lineType) directly into your underwriting model as additional input features. Better decisions. Lower default rates.
Example scenarios

See the numbers in real contexts.

Click an example to load it into the calculator above, or adjust the numbers yourself.

Consumer lending
Personal loan applications
+£1,565
estimated monthly saving
Monthly applications5,000
Fraud rate12%
ProductTrust Score
Downstream cost£6.50 (credit + fraud bureau)
Catch rate~85%
Insurance
Motor & home quote flow
+£1,840
estimated monthly saving
Monthly quotes20,000
Fraud rate8%
ProductTrust Score
Downstream cost£6.50 (fraud bureau + review)
Catch rate~85%
Lead generation
B2B lead validation at capture
+£5,450
estimated monthly saving
Monthly leads50,000
Bad number rate18%
ProductTrust Score
Cost of bad lead£3.00 (sales time + CRM cost)
Catch rate~85%
How it’s calculated

How to calculate the cost of fraud.

No black box. Every number in the calculator comes from these five steps.

1
Bad submissions
Monthly checks × bad submission rate.
10,000 × 10% = 1,000
2
Caught at Step 0
Bad submissions × your assumed catch rate.
1,000 × 85% = 850
3
Downstream cost saved
Caught submissions × downstream cost per bad submission.
850 × £9 = £7,650
4
Net saving
Downstream cost saved − Trust Score cost (monthly checks × £0.35).
£7,650 − £3,500 = £4,150
5
Break-even
The downstream cost per bad submission at which Trust Score pays for itself: £0.35 ÷ (bad rate × catch rate).
£0.35 ÷ (10% × 85%) = £4.12

Estimates for illustration, based on your inputs. Actual results vary by use case and fraud type.

ROI calculator FAQ

Fraud cost calculator questions.

If it's not here, ask us directly. We reply within one UK business day.

How do I calculate the cost of fraud? +

Multiply your monthly submissions by your bad-submission rate to get the number of bad submissions, then multiply that by what each one costs once it reaches credit checks, fraud bureau checks, KYC or manual review. The calculator above does this live.

What is a good ROI for fraud prevention? +

A check pays for itself when the downstream cost of each bad submission is higher than the break-even shown in the calculator: £0.35 ÷ (bad-submission rate × catch rate). Above that, every check adds to your saving.

What catch rate should I use? +

Use your own data where you have it. The calculator lets you set the assumed catch rate, so the estimate reflects your business rather than a fixed claim.

What counts as a downstream cost? +

Anything a bad submission costs once it gets past Step 0: credit searches, fraud bureau checks, identity verification, manual review time, sales follow-up, and ultimately write-offs or chargebacks.

Does a Trust Score check affect credit files? +

No. It is not a credit search and leaves no footprint on the customer's credit file.

Do I need to replace my existing fraud tools? +

No. TDS Risk sits upstream of your existing stack. Your credit bureaux, fraud tools and KYC stay as they are. They simply receive fewer bad submissions.

Get started

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No sales call, no contract. Run your first live check in minutes.

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Getting started
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