Payment Information & Paydex (Rating) - Detail - Standard

This product includes counts and display of summarized payment information provided by suppliers on each account between the supplier and purchasing company, along with derived views of all trade experiences in high credit ranges and by Supplier industry.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, its country code, and the appropriate product code will be required. If this information is not available, refer to obtaining a company D-U-N-S Number for assistance. A trade up option exists to request data for the headquarters when the requested organization is a branch.

When ordering information for organizations located in Germany, customers are required to provide a valid order reason code. A list of possible values is included on the respective SOAP or REST operation page.

NOTE: The product code for Payment Information & Paydex (Rating) - Detail - Standard is PIAP_STD. This product may be included in the Monitoring process.

IMPORTANT: This data layer is currently restricted to companies domiciled in the United States and Canada.

Business Elements

The following table is an alphabetical list of the unique items delivered in this data layer. Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

NOTE: This product will return a set of standard elements (e.g. D-U-N-S Number, Organization Name, Trade Styles, Family Tree Role, Primary Address, Mailing Address, Telephone Number, Fax Number, et al.) along with the business elements listed. In addition, customers who compare the following table to the Data Primer should be advised of several intentional differences.

Name Description XML* JSON*
Claims Indicator When TRUE it indicates that open claims, liens, protested bills, warrants, Social Securities Summons and/or equivalent exist in the D&B database for this subject. [C] [M] SOAP REST
Current 12 Month Paydex A numeric average of the Paydex scores of the 12 months prior to the most recent 12 month period. There must be at least 6 numeric Paydex scores in the 12 month period for use in calculation of the composite Paydex. [C] [M] SOAP REST
Current 3 Month Paydex A number recording the score that assesses the payment performance of a business. Based on the trade experiences obtained from its suppliers over the last 3 months. , the score corresponds to an average days beyond terms or within terms enabling you to predict when your existing or potential customers are likely to pay. Derived from a dollar-weighted average of a company’s combined individual payment experiences, it ranges from 0 – 100 with higher scores representing businesses which pay their bills more promptly. [C] [M] SOAP REST
Current Paydex Date The month and year that the current PAYDEX score was calculated. [C] SOAP REST
D&B Paydex Median Score A numerical score denoting how timely payments are statistically-speaking at the point at which 50% of the organizations included in this industry norm have an equal or higher payment index score while the other 50% of organizations have an equal or lower payment index score. [C] SOAP REST
D&B Rating Text describing the estimated financial strength and composite credit appraisal assigned to the subject at the time of last update. [C] [M] SOAP REST
Disaster Special Events Indicator When TRUE it indicates that special events regarded as disasters (e.g. fire, hurricane) exist in the D&B database for this subject. [C] [M] SOAP REST
Financial or Legal Special Events Indicator When TRUE it indicates that there are one or more financial, legal or significant events recorded in D&B's databases for this subject. [C] [M] SOAP REST
Highest Credit Amount The greatest monetary figure owed to the supplier by the subject within the last 12 months. Can repeat up to three times. [C] SOAP REST
History Indicator A code indicating whether detrimental information exists for the company and whether complete details exist on management and company. [C] SOAP REST
Industry Paydex Median Quartile Score A numerical score denoting how timely payments are statistically-speaking at the point at which 50% of the organizations included in this industry norm have an equal or higher payment index score while the other 50% of organizations have an equal or lower payment index score. [C] SOAP REST
Industry Paydex Score A numerical score denoting the median Paydex value for this industry. [C] SOAP REST
Other Special Events Ind Indicates if special events exist in the D&B database that are not otherwise specified. [C] [M] SOAP REST
Out of Business Indicator When True indicates subject business is no longer actively operating. [C] SOAP REST
Paydex Score A score that assesses the payment performance of a business. Based on the trade experiences in D&B’s database, the score corresponds to an average days beyond terms or within terms. [C] [M] SOAP REST
Prior Month-end 3 Month Paydex The date marking the Paydex Score 3 months ago. This means if current date is April, score will be from January. "UN" value may be passed [C] SOAP REST
Secured Financing Indicator When TRUE it indicates that open secured filings such as secured charges/mortgages pledgings or equivalent exist in the D&B database. [C] [M] SOAP REST
Total Number of Experiences in File - 12 Months The number of experiences in file 12 months ending MM/YY [C] SOAP REST

*The links in this column provide the technical characteristics for the data field of the respective business element in the XML or JSON response.

The preceding list is not presented in the order, nor manner, in which the information is packaged and delivered via the D&B Direct API.

While data for a particular company may not contain values for all of the business elements, there may be items that are considered by D&B to be essential to yield the maximum benefit of a data layer. If any of these essential elements do not contain a value for a particular company, an error code will be returned, and your organization will not incur a usage credit for the request.

The Product Availability Lookup feature may be utilized to determine if this D&B Direct product is available for a given D-U-N-S Number.

Additional Details

The PAYDEX score is a numeric representation of bill-payment history as reported to D&B by trade references, and is a reflection of whether a company pays its bills on time. A minimum of three experiences -- from two or more unique trade suppliers --are needed to calculate this score, which is a 1 to 100 (dollar-weighted) numerical indicator of payment performance as reported to D&B, for several time periods – 3 month; 12 month & 24 month.

Paydex Payment
Rating Behavior
100 Anticipated
90 Discount
80 Prompt
70 Slow to 15
50 Slow to 30
40 Slow to 60
30 Slow to 90
20 Slow to 120
0 Slow over 120

Access to this information is provided on a metered basis; and will require data layer entitlement prior to use in the production environment. A built-in feature exists to prevent duplicate billing when multiple requests with the same D-U-N-S Number and product code are submitted on the same calendar day (which is based on Eastern Standard Time [GMT-5]).

An option exists to retain the results from all successful requests for this product in a Product Request Archive, which may be retrieved without incurring additional usage charges.

Related Topics

Payment Information & Paydex (Rating) - Detail - Premium, Payment Information & Paydex (Rating) - Detail - Enhanced.

Technical Specification

For details on how to obtain this data layer, please refer to the TradeDetail.OrderProduct (SOAP) or TradeDetail.OrderProduct (REST) page.

Back to Top