The D&B PAYDEX ™ is a number that assesses the payment performance of a business. Based on 24 months of trade experiences reported to D&B by various vendors, it is derived from a weighted average of a company’s combined individual payment experiences and ranges from 0 to 100 with higher scores representing businesses which pay their bills more promptly.

A PAYDEX of 80 denotes that payments reported to D&B have generally been made within terms. A PAYDEX over 80 indicates that payments reported to D&B have been made earlier than terms.

NOTE: Risk scores are available for U.S. businesses only at this time.

The chart below outlines the specific 1-100 PAYDEX and what it means.

D&B Trade Data is acquired from over 12,000 trade exchange participants globally in 35 markets, of which approximately 4,200 are located in the US. Participation is free, confidential and voluntary.

Participants provide their accounts receivable data to D&B on a monthly or quarterly basis which describes how their customers pay their bills by terms of sale, dollar amount of extended credit, amounts owing that are current and past due, and date of last sale. For a trade reference to be to be eligible for the D&B Trade Data (and for use in the PAYDEX calculation), the reported date of the trade experience must be within the last 24-month period and the date of last sale must be within the last 36 months (1-12 months from the reported date).

The Financial Stress Score Class Score is a one digit number from 1 to 5 assigned to the business based on information in D&B's file. The higher the class score the greater the likelihood that the organization will seek legal relief from creditors or cease operations without paying all of its creditors in full in the next 12 months.

NOTE: Risk scores are available for U.S. businesses only at this time.

The scores and underlying models are based upon the observed characteristics of hundreds of thousands of businesses in D&B's database and the relationship these characteristics have to the probability of a business experiencing financial stress over a period of 12 months.

NOTE: Voluntary discontinuance involving no loss to creditors is not defined as financially stressed.

The Financial Stress Score assigns a “Risk Class” of 1 – 5, which is a segmentation of the scorable universe into five distinct risk groups where a one (1) represents businesses that have the lowest probability of financial stress, and a five (5) represents businesses with the highest probability of financial stress. This Risk Class enables a customer to quickly segment their new and existing accounts into various risk groups for high-level analysis and reporting.

A Financial Stress Class Score is available on approximately 27 million U.S.-based businesses.

The Financial Stress Class Score will not be available for:

• Business records that are missing an address or have an invalid address.
• Businesses that have been self-reported to D&B without an investigation. Such cases are added to the D&B database as DUNS Support records and will remain as such until a thorough investigation yields more substantial information.
• Businesses designated as “Business Deterioration”1 within one year. These companies continue to operate and have not filed for bankruptcy.
• Businesses in industries that do not lend themselves to scoring through this type of model – specifically, SIC Code 43 (United States Postal Service) and SIC Codes 90-97 (Public Administration, Government Offices).

For the first release, the option is to pay with a Credit Card.