Automated Credit Checks:
HubSpot & Experian API Integration
In collaboration with our partner agency, TH Digital, we engineered a custom 3-way integration that automated the customer signup credit assessment for Plico Energy—slashing customer processing cycles from 10 days to under 20 hours.
The Challenge vs The Solution
The Challenge
Western Australian clean energy provider Plico Energy relies on an Energy-as-a-Service model. Since solar and battery hardware are provided on subscription, running credit checks is a vital part of the signup process. However, the legacy process was highly manual: team members copied customer details from Jotforms and pasted them into Experian, creating a massive 10.4-day bottleneck, doubling data-handling overhead, and increasing compliance risks with sensitive consumer credit data.
The Solution
We developed a secure custom webservice acting as an orchestration bridge. Through our custom HubSpot API development and third-party system integrations, when a customer submits their signup form, the webservice securely extracts the payload, validates identity parameters, and performs an automated real-time credit check via the Experian API. Results are pushed back into HubSpot CRM instantly, triggering automated downstream deal stages, team alerts, and contract generation based on credit scores.
Measurable Business Outcomes
How The 3-Way Bridge Works
Emerald Soft engineered the backend flow to handle complex API calls with absolute security, preventing sensitive customer credentials from being compromised.
- Jotform Submission captures customer data on the front-end, embedded directly into HubSpot landing pages.
- Custom Webservice triggers securely upon submission, cleaning and validating data parameters before transmitting them.
- Experian API Integration runs automated identity checks and retrieves credit scoring metrics in real-time.
- HubSpot CRM API Sync immediately updates contact properties, changes deal stages, and generates client contract records.
- Error & Health Dashboard built within HubSpot allows team members to monitor integration health, troubleshoot errors, and view data flows.
Enterprise-Grade Performance
Automating credit checks requires careful data validation and security protocols. Our custom webservice guarantees data integrity and uptime.
- PCI & Privacy Compliance: Credit inquiries are processed using secure encrypted tokens, meaning customer credit data is never stored locally on the webservice server.
- Two-Way Failure Alerting: If Experian's API experiences downtime, the system fails gracefully, triggers automated warnings in HubSpot, and queues the checks for reprocessing.
- Audit Logs: Detailed log history is preserved for every query, giving administrators instant visibility into credit checking history and logs.
Collaborative Success
"By combining our strategic HubSpot design with Emerald Soft's deep API development expertise, we bridged the gap between complex external databases and HubSpot. We were able to unlock significant time savings for Plico Energy and bring home a global HubSpot Impact Award."
T&H Digital
HubSpot Solutions Partner AgencyFrequently Asked Questions
Technical insights on automated credit verification and CRM API architecture.
How does real-time credit check automation connect into HubSpot?
A dedicated webhook endpoint receives form submissions, dispatches verified identity tokens to the credit bureau API (such as Experian), and instantly updates corresponding HubSpot deal and contact properties. This triggers automated pipeline actions without human delays.
How is sensitive applicant data secured during the automated check?
Credit requests utilize secure SSL encryption and short-lived tokens. The intermediary webservice performs zero persistent caching of sensitive customer identity information, eliminating compliance vulnerabilities.
Can this integration handle third-party API downtime?
Yes. In the event of external credit bureau maintenance or downtime, the system fails gracefully, triggers internal task notifications, and queues the verification for automatic reprocessing.
Need to build a custom API or CRM integration?
From complex credit checks to ERP and warehouse systems, we build the robust bridges that automate your workflows.