A neutral data exchange for commercial lending.
Percayso Data Exchange (PDX) is a neutral data exchange created to support efficient and consistent data sharing across the lending market.
It enables lenders to submit credit information data once, have it validated and standardised, and then securely distributed to multiple Credit Reference Agencies (CRAs). PDX reduces complexity, lowers operational cost, and supports a more consistent and competitive credit ecosystem.
What PDX Does
PDX exists solely to enable efficient, trusted data sharing across the lending ecosystem.
Reduce the burden of managing multiple bureau connections, formats, and validations. Submit once, comply once, and operate with confidence.
Data is validated,
standardised, and
quality-checked
Files are distributed to
all participating CRAs
Auditability and
traceability are built in from day one
PDX exists solely to enable efficient, trusted data sharing across the commercial lending ecosystem.
Who is PDX For
Commerical Lenders
Reduce the burden of managing multiple bureau connections, formats, and validations. Submit once, comply once, and operate with confidence.
Credit Reference Agencies
Receive consistent, validated data through a standardised delivery process, reducing onboarding effort and operational friction.
Why PDX Exists
The credit market has historically relied on fragmented data sharing models, creating duplication, cost, and inconsistency.
PDX has been designed as shared market infrastructure – neutral, secure, and scalable – to support better data quality, fairer competition, and improved outcomes for businesses accessing credit.
Trust, Security & Governance
PDX has been built to meet the expectations of lenders, CRAs, and regulators.
- GDPR-compliant data processor
- ISO 27001 aligned, bureau-grade security standards
- Secure cloud-based architecture
- Clear governance and operational independence
Security, neutrality, and auditability are core to the platform
Access the Platform
Existing participants can access the PDX platform at any time via the User Login.
New lenders and partners are invited to request a briefing to understand how PDX fits into their existing operational and compliance frameworks.