RecoupIQ vs Experian Business.
Enterprise bureau, or UK-only with decision context built in.
Experian Business is the global enterprise credit bureau, deep, broad, expensive, and calibrated for banks. RecoupIQ is UK-only, self-serve, and ends not with a PDF but with a source-linked decision brief drafted under the Companies House and iXBRL public evidence. If your counterparties are UK Ltds and you can’t justify an annual enterprise subscription, this is the comparison that matters.
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Enterprise bureaus start with a sales conversation. Here's our product, in the page, free: type any UK company name or number and see its register status, risk tier, and warning flags. No email wall.
Feature by feature.
| Experian Business | RecoupIQ | |
|---|---|---|
| Proprietary payment-behaviour data (credit bureau) | ||
| Companies House + iXBRL accounts | ||
| London Gazette + disqualified directors | ||
| Director-network + phoenix detection | Manual / module | 2-hop graph |
| Evidence boundary and uncertainty | ||
| Source-linked decision brief | ||
| Human verification and monitoring prompts | ||
| International coverage | Global | UK only |
| Pricing model | Annual enterprise sub | £29 / £167 self-serve |
| Single-company on-demand verdict | 90 seconds |
When to pick which.
Pick Experian Business if…
- you need proprietary payment-behaviour data, not just public registers
- your counterparties span multiple jurisdictions
- you have an enterprise budget and a credit-control function
- portfolio integration with internal lending systems matters
Pick RecoupIQ if…
- your counterparties are UK Ltds
- you want a verdict on demand before signing
- you want source-linked context and verification questions built in
- you can’t justify an annual enterprise subscription
Frequently asked
Why would I look at an Experian Business alternative?
Three common reasons. First, pricing: Experian Business is an enterprise credit bureau with annual subscriptions and minimum commitments designed for banks and large corporates. Second, focus: Experian models are calibrated on global retail and consumer-lending data; if 100% of your counterparties are UK Ltds, that breadth is paid-for coverage you do not use. Third, decision context: RecoupIQ links public evidence to verification questions and monitoring prompts.
Does RecoupIQ have the same data depth as Experian Business?
For UK Ltd counterparties, yes, on the public-register side: Companies House filings, iXBRL accounts, the London Gazette, the disqualification register, HMRC defaulters, the Insolvency Service. What Experian adds on top is its proprietary credit-bureau dataset (payment-behaviour history from lenders) which is genuinely unique. If that proprietary dataset is what your decision hinges on, Experian is the right tool. If you make decisions on the public-register signals, RecoupIQ covers them at SME pricing.
What does RecoupIQ add that Experian Business doesn't?
The decision layer. RecoupIQ connects public evidence, uncertainty, and verification questions so the accountable person can decide what to investigate before committing exposure. Experian focuses on bureau data and leaves that interpretation to the buyer.
How does pricing actually compare?
Experian Business pricing is quoted via a sales call and depends on volume tier, modules, and contract length, typically several thousand pounds per year minimum. RecoupIQ is published: £29 per Quick Check, £167 per Forensic Report, no minimum, no annual commitment. Below ~50-100 due-diligence checks per year, RecoupIQ is meaningfully cheaper.
Can I use both?
Yes, they sit at different points in the workflow. Experian for portfolio-scale credit-bureau context; RecoupIQ for on-demand due diligence on individual UK counterparties, source-linked interpretation, and monitoring.