D&B Paydex
Changes in payment behaviour – a predictive signal
The D&B Paydex reflects the payment habits of a company, showing how punctual a company is in its payments. If a company breaches payment deadlines, the Paydex index falls continuously by the number of days in default.
The DunTrade® Programme delivers information on payment habits. Actual reports on payment habits from national and international companies are fed into the D&B Trade® Programme. We evaluate more than 540 million items of data on invoices every year, giving us clear indications on the current payment performance and objective trends in individual companies.
The index calculated for each individual company is displayed graphically in relation to the average payment performance within the corresponding industrial segment. Development of both indices over the past 24 months reveals the average payment performance of each company, visualising the trend.
Paydex – part of corporate history at D&B
Paydex gives you an objective basis to make decisions on setting credit lines and terms. Paydex is one of the factors that come into play in calculating D&B Scores, which enable predictions on bad-debt risk.
| D&B Paydex® Score Index | Payment Practices |
|---|---|
| 100 | Anticipates |
| 90 | Discount |
| 80 | Prompt |
| 70 | Slow to 15 days |
| 50 | Slow to 30 days |
| 40 | Slow to 60 days |
| 30 | Slow to 90 days |
| 20 | Slow to 365 days |
| 0 | Slow over 366+ days, or never |
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