Sample size
How many invoice experiences support the view? A small or concentrated sample needs context.
Payment experiences
See how a business pays.
Review payment experiences alongside financial statements and credit assessments. See the available invoice sample before agreeing terms or increasing exposure.
Discuss your requirements Search for a companyAnonymised report example
Example Business Services Ltd
Invoices available103
Average invoice value£749
Payment-age categories in the source
- 01Within terms
- 020–30 days
- 0331–60 days
- 0461–90 days
- 0591+ days
Categories shown without counts. No payment distribution or on-time percentage is inferred.
Trade Payment Data
Read the sample before the signal.
Payment behaviour adds a different kind of evidence to a credit review. Its value depends on which invoices are represented, when they were observed and what the source discloses.
Invoice ageing
Read the available payment-age bands against the terms and dates supplied by the contributor.
Source & period
Identify the contributing source and observation period. A report generation date alone does not establish freshness.
In your workflow
Put payment evidence to work.
Agree terms with the evidence in view.
Match the company first. Review payment experiences, the credit assessment and financials together, then compare the proposed order with your existing exposure.
Company credit checksReview changing behaviour before increasing exposure.
Compare like-for-like observation periods and contributor coverage where supplied. A change in the sample can affect the picture; investigate before treating it as a deterioration.
Company monitoringAdd payment context to the wider supplier review.
Review financial resilience, disclosed legal events and payment experiences alongside operational dependency. Payment information alone cannot establish whether a supplier can fulfil an order.
Supplier due diligenceEvaluate payment coverage for your companies.
Share your markets and company list. We’ll discuss the payment fields, contributor sample and delivery available for your review.
Delivery & coverage
Fit the data to your process.
Discuss payment data through the platform, supported Credit Report API responses, MCP tools and agreed data feeds. Confirm field availability and tool support for your markets before integration.
01 / PlatformFind your company 02 / API & MCPConnect your systems 03 / Data feedsAgree your requirements
Confirm coverage, sources, history and update timing for your own countries and company list. Missing information is an evidence gap to review.
Questions, answered
Trade Payment Data.
In detail.
01What is trade payment data?
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Trade payment data describes invoice payment experiences supplied by contributing partners. Depending on the source, it can include sample size, invoice values and payment-age bands. It adds payment behaviour context to a business credit review.
02Where does your trade payment information come from?
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Payment experiences come from selected third-party partners. They are distinct from government registry filings and filed company accounts. Confirm the source and scope of the payment fields available for your companies.
03What does the sample on this page show?
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The anonymised historical report shows 103 invoices available and an average invoice value of £749. It was generated on 23 June 2026. Those figures describe the available sample; they do not establish a current payment performance rate.
04Does payment data cover every invoice a company receives?
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No. Contributing sources provide a sample. Invoice coverage, contributing businesses and observation periods can differ. An absence of reported overdue invoices does not prove that every invoice was paid on time.
05What are invoice ageing bands?
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They group the available payment experiences by the age categories supplied by the source. Our example lists within terms, 0–30 days, 31–60 days, 61–90 days and 91+ days. Read the source definition before interpreting a band as days overdue.
06Is days beyond terms the same as payment history?
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Days beyond terms is one possible measure of payment delay against agreed terms. Payment history is broader. A days-beyond-terms value requires suitable dates, terms and a defined calculation; it is not derived on this page.
07How current is business payment history?
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Check the payment observation period and update information where supplied. The date a report is generated can differ from the dates covered by the payment experiences. Confirm refresh timing for your intended markets.
08Is payment data available in every country?
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Coverage varies by country, company and contributing source. Ask for a coverage review against your target entities and required payment fields before setting procurement or credit policy.
09Can we access trade payment data through an API?
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Discuss payment fields in supported Credit Report API responses and agreed data feeds with our team. Platform access and supported MCP tools can also form part of the service. Confirm field-level coverage and permissions rather than assuming identical functionality across delivery methods.
10Should payment history determine the credit decision on its own?
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Review it alongside the correct legal entity, available financials, the dated credit assessment, legal records and your total exposure. Your team sets the terms, approved limits and review process.
Sources & supporting information
The figures above come from the existing anonymised report. No on-time payment rate, overdue total or days-beyond-terms value is inferred from this sample.
Your companies. Your requirements.
Bring the evidence
into your next decision.
Share your markets, company list and data requirements with our team.
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