Trade Payment Data is information we have collected from thousands of third parties (GraydonCreditsafe Trade Partners). This data is then matched with our universe to give us insight into the payment behaviour of a particular company.

Changes in a company's payment behaviour are one of the earliest signs of financial problems and are one of the most effective data sources for predicting the likelihood of bankruptcy before official accounts are filed.

Although trade payment data may not be representative of a company's overall trading behaviour, analyses have shown that even a small portion of trade payment behaviour has enormous predictive value.

The presence of trade payment data can influence a company's creditworthiness. However, there are other factors that have a greater influence, such as the industry sector and key financial ratios.

Trade Payment Data provides valuable insights into companies' payment behaviour by analysing millions of invoices worldwide. 

By participating in the Trade Payment Data programme, companies can contribute to a larger knowledge base and promote best trade practices.