Payment Information - Detail

This product provides granular, monthly trade details (counts, averages, maximums, normalized totals, etc) across all supplier accounts for the Purchasing business. Provides increased visibility into recent and seasonal trade payment behavior, including month-to-month time-series view of their payment behaviors.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" 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.

NOTE: The product code for Payment Information - Detail is PI_DTL. This product currently may not be included in the Monitoring process.

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*
3 Month Past Due - Days High Quantity A number specifying the higher end of the range of days slow e.g. 30 in the range 1-30 days slow for the past 3 months. SOAP REST
3 Month Past Due - Days Low Quantity A number specifying the lower end of the range of days slow e.g. 1 in the range 1-30 days slow for the past 3 months. [C] SOAP REST
Accounts 121-150 Days Slow Records the number of trade experiences that are 121 to 150 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 1-30 Days Slow Records the number of trade experiences that are 1 to 30 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 151-180 Days Slow Records the number of trade experiences that are 151 to 180 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 181-210 Days Slow Records the number of trade experiences that are 181 to 210 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 211-240 Days Slow Records the number of trade experiences that are 211 to 240 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 241+ Days Slow Records the number of trade experiences that are greater than 241 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 31-60 Days Slow Records the number of trade experiences that are 31 to 60 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 61-90 Days Slow Records the number of trade experiences that are 61 to 90 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Accounts 91-120 Days Slow Records the number of trade experiences that are 91 to 120 days beyond terms for all the subject's accounts for this summary. [C] SOAP REST
Aggregated Experience Date The year and month of the payment data which has been grouped and summarized here. [C] SOAP REST
Average High Credit Amount - 12 Months A monetary figure recording the average high credit which is determined by dividing the total dollar amount by the number of experiences in D&B's file for the last 12 months. [C] SOAP REST
Average High Credit Amount - 3 Months A monetary figure specifying the average high credit is determined by dividing the total dollar amount by the number of experiences in file for the last 3 months. [C] SOAP REST
Average Monthly Past Due 60+ days - 12 Months A monetary figure summing the amount from each of a subject's accounts stating how much is beyond terms on average each month satifying the criteria for this within a specified range of greater than days beyond terms (e.g. 1-30 days 31-60 days). [C] SOAP REST
Average Monthly Past Due 90+ days - 12 Months A monetary figure summing the amount from each of a subject's accounts stating how much is 90+ beyond terms on average each month. [C] SOAP REST
Average Monthly Past Due Amount - 12 Months Avg: Sum of Dollars 1-30 Days + Dollars 31-60 Days + Dollars 61-90 Days + Dollars 91-120 Days + Dollars 121-150 Days + Dollars 151-180 Days + Dollars > 180 Days, use the most recent experience date for each account. Use the past due field ; do not add up [C] SOAP REST
Average Monthly Past Due Amount - 3 Months Average of all experiences within the past three months showing Past Due Amounts [C] SOAP REST
Average Monthly Past Due Amount 30+ days - 12 Months A monetary figure summing the amount from each of a subject's accounts stating how much is 30+ beyond terms on average each month. [C] SOAP REST
Average Monthly Past Due Amount 30+ days - 3 Months A monetary figure summing the amount from each of a subject's accounts stating how much is 30+ beyond terms on average each month. [C] SOAP REST
Average Monthly Past Due Amount 60+ Days - 3 Months Average of all experiences within the past three months showing Past Due Amounts and payment manners of greater than Slow 60 days [C] SOAP REST
Average Monthly Past Due Amount 90+ Days - 3 Months Average of all experiences within the past three months showing Past Due Amounts and payment manners of greater than Slow 90 days [C] SOAP REST
Average Monthly Total Amount Owing 12 Months A monetary figure summing the amount from each of a subject's accounts stating how much is outstanding on average for the past 12 months. For example, if a subject has three accounts where the average monthly amount is respectively 400, 250, and 300, then the value here will be 950 [C] SOAP REST
Average Monthly Total Amount Owing 3 Months A monetary figure summing the amount from each of a subject's accounts stating how much is outstanding on average for the past 3 months. For example, if a subject has three accounts where the average monthly amount is respectively 400, 250, and 300, then the value here will be 950 [C] SOAP REST
Bad Debt Total Amount Owing A monetary figure specifying how much is owed across all of a subject's accounts where the suppliers could not collect payment and ultimately wrote off these accounts as bad debt, as they had good reason to believe that they would never be able to collect the outstanding amounts. [C] SOAP REST
Cumulative High Credit The Cumulative High Credit is a monetary figure specifying the sum of of the high credits from each of the subject’s accounts that was extended to the subject over a 12 month time period (ending with this trade data year and month). Note: High Credit is [C] SOAP REST
Currency Code The three-letter curreny code defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO)identifying the type of money in which this payment experience amount is expressed e.g. USD CAD GBP EUR. 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] 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] SOAP REST
Current Paydex Date The month and year that the current PAYDEX score was calculated. [C] SOAP REST
Maximum Account Level Past Due A monetary figure specifying the highest amount owed that is beyond terms from amongst all of a subject's accounts used to calculate the derived value considering one month worth of data. [C] SOAP REST
Maximum Amount Owing A monetary figure specifying the highest amount that is due from amongst all the subject's accounts. The maximum account level amount owed contributed to Total Amount Owing. [C] SOAP REST
Maximum High Credit Amount indicating the largest high credit amount [C] SOAP REST
Maximum High Credit - 12 Months Amount indicating largest high credit amount in the past twelve months [C] SOAP REST
Maximum High Credit - 3 Months Amount indicating largest high credit amount in the past three months [C] SOAP REST
Number of Accounts Bad Debt/Write Off The number of trading relationships between the subject and its suppliers where the supplier could not collect payment and ultimately wrote off these accounts as bad debt (thereby taking a loss on the outstanding amount). Note: It is possible for the subject to have more than one account with a given supplier; each will be counted. [C] SOAP REST
Number of Accounts Placed for Collection The number of trading relationships between the subject and its suppliers where the subject's accounts are placed with an external collection agency by its suppliers for its failure to pay in whole or part. Note: It is possible for the subject to have more than one account with a given supplier; each will be counted. [C] SOAP REST
Number of Current Accounts The number of trading relationships between the subject and its suppliers that are still within terms.Note: It is possible for the subject to have more than one account with a given supplier; each will be counted [C] SOAP REST
Number of Experiences in 12 Month Paydex Calculation The number of payment experiences that contributed to this payment index score. As an example the score may have been derived from 18 payment experiences from various suppliers. Can repeat up to three times. [C] SOAP REST
Number of Experiences used in 3 Month Paydex Calculation The number of payment experiences that contributed to this 3 Month payment index score. As an example the score may have been derived from 18 payment experiences from various suppliers. [C] SOAP REST
Number of Suppliers used in 12 Month Paydex Calculation The number of supplier's whose payment experiences contributed to this 12 month payment index score. As an example the score may have been derived using experiences from 8 different suppliers. Can repeat up to two times. [C] SOAP REST
Number of Trade Experiences Total number of trade experiences, representing pay history from in-date (active) matched trading accounts with suppliers. [C] SOAP REST
One Month Past Due - Slow Days High Quantity A number specifying the higher end of the range of days slow beyond agreed upon terms, e.g., 30 in the range 1-30 days past due. [C] SOAP REST
One Month Past Due - Slow Days Low Quantity A number specifying the lower end of the range of days slow beyond agreed upon terms, e.g., 1 in the range 1-30 days past due. [C] SOAP REST
Out of Business Indicator When True indicates subject business is no longer actively operating. [C] SOAP REST
Owed Total Amount A monetary figure specifying the cumulative amount that is due to fully settle all of a subject's accounts. [C] SOAP REST
Paydex End Date The date marking the end of the time period covered by the payment performance score. [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] SOAP REST
Prior Month End 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] 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
Summary Period A number specifying how many complete months (e.g., 3, 12) of payment experience data contributed to this account summary. The full summary period is through the Experience Date and therefore includes data that may extend somewhat beyond the number of months specified here. For example, if the value here is 3, meaning 3 months, and the experience date is July 5, 2008, then the summary period is from April 1st through July 4th, or in other words, the complete months of April, May, and June, plus the first four days of July. [C] SOAP REST
Three Months Paydex Total Unique Suppliers Used Count The number of supplier's whose payment experiences contributed to this 3 month payment index score. As an example the score may have been derived using experiences from 8 different suppliers. [C] SOAP REST
Total Amount Owing Slow 121-150 Days A monetary figure representing payments that are between 121 and 150 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 1-30 Days A monetary figure representing payments that are between 1 and 30 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 151-180 Days A monetary figure representing the sum of amount owing for payments that are between 151 and 180 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 241+ Days A monetary figure representing the sum of amount owing for payments that are 241+ days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 31-60 Days A monetary figure representing the sum of amount owing for payments that are between 31 and 60 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 61-90 Days A monetary figure representing the sum of amount owing for payments that are between 61 and 90 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Owing Slow 91-120 Days A monetary figure representing the sum of amount owing for payments that are between 91 and 120 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Past Due The monetary figure specifying the cumulative amount owed that is beyond terms for all the subject's accounts. Can repeat up to three times. [C] SOAP REST
Total Amount Slow 181-210 Days A monetary figure representing payments that are between 181 and 210 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Amount Slow 211-240 Days A monetary figure representing payments that are between 211 and 240 days days beyond the agreed upon payment terms. [C] SOAP REST
Total Current Amount A monetary figure specifying the cumulative amount owed that is still within terms (prompt) for all the subject's accounts for this posting period. The sum of amounts owed > $0 that are current. [C] SOAP REST
Total Number of Accounts The number of trading relationships between the subject and its suppliers, obtained by summing the number of unique accounts for the subject having reported activity (one or more valid experiences) in the 'n' months ending in the Trade Data Year Month . [C] SOAP REST
Total Number of Experiences - Cash Experience The number of cash experiences recorded in D&B's database. [C] SOAP REST
Total Number of Experiences Past Due - 3 Months The number of trading relationships between a subject and its suppliers that are beyond terms considering 3 months of data. [C] SOAP REST
Total Number of Experiences with Past Due Experiences - 12 Months Records the number of trade experiences that have past due dollar amounts within the last 12 months [C] SOAP REST
Total Number of Experiences with Unfavorable Comments - 12 Months Records the number of trade experiences that have unfavorable coments within the last 12 months [C] SOAP REST
Total Number of Experiences with Unfavorable Comments - 3 months The number of trading relationships between a subject and its suppliers that are unfavorable comments considering 3 months of data. [C] SOAP REST
Total Number of Suppliers The number of unique suppliers whose payment data is required to calculate trade data considering one month data. [C] SOAP REST
Total Number of trading relationships - 12 months The number of trading relationships between the subject and its suppliers, obtained by summing the number of unique accounts for the subject having reported activity (one or more valid experiences) in the last twelve months. [C] SOAP REST
Total Number of trading relationships - 3 months The number of trading relationships between the subject and its suppliers, obtained by summing the number of unique accounts for the subject having reported activity (one or more valid experiences) in the three months ending in the Trade Data Year Month. [C] SOAP REST
Total Past Due The total dollar amount of all the past due experiences. [C] SOAP REST
Total Past Due Collection Amount A monetary figure specifying the sum of the highest amount from each of a subject’s accounts that was placed with a collection agency. Can repeat up to two times. [C] SOAP REST
Twelve Months Past Due - Days High Quantity A number specifying the higher end of the range of days slow beyond agreed upon terms, e.g., 30 in the range 1-30 days past due. SOAP REST
Twelve Months Past Due - Days Low Quantity A number specifying the lower end of the range of days slow e.g. 1 in the range 1-30 days slow considering twelve months data. [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

This product was formerly known as Detailed Trade Risk Insight (DTRI).

This product is only available for organizations domiciled in the United States. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.

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.

Technical Specification

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


Product History

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