Affordability Check

Estimate disposable income for player protection and responsible gaming compliance.

How It Works

The affordability engine estimates disposable income using:

• Declared income — user-provided monthly income
• Country-based brackets — average income ranges for 20+ countries
• Expenses estimation — base living costs plus dependent costs
• Disposable income = estimated income − estimated expenses

Running Affordability

Include "affordability" in the checks array when creating a verification:

curl -X POST https://api.dev.valydar.com/verifications \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "client_reference": "user_123",
    "checks": ["affordability"]
  }'

Result

{
  "passed": true,
  "details": {
    "estimated_monthly_income": 3500,
    "estimated_monthly_expenses": 1750,
    "disposable_income": 1750,
    "income_confidence": "Estimated",
    "country": "NL",
    "dependents": 0
  }
}

Affordability Tiers

Tier	Disposable Income	Description
Low	< 30% of low bracket	High risk — limited capacity
Medium	30–40% of medium bracket	Moderate capacity
High	> 40% of medium bracket	Strong capacity

Income Brackets by Country

Country	Low	Medium	High
Netherlands	€2,000	€3,500	€5,500
Germany	€2,200	€3,800	€6,000
Sweden	€2,400	€4,000	€6,200
Norway	€3,000	€4,800	€7,500
Switzerland	€3,500	€5,500	€8,500
US	$3,000	$5,000	$8,000
Other	€1,500	€2,500	€4,000

Notes

• Without a declared income, the engine uses country averages (proxy mode)
• Expenses default to 50% of income + €500 per dependent
• For high rollers, a PSD2-based deep check via Open Banking can be added
• Affordability checks are the highest-priced verification type