Will They Pay Me On Time?
1 credit / callA large customer's payment habits read from the supplier's side, with what its lateness is worth on your invoice.
Typical days to pay against your terms, late and over-60-day rates, the trend, and the statutory interest plus compensation its lateness is worth on your invoice. From the government's Payment Practices reports and the Bank's own rate.
Large UK companies must report every six months how fast they pay their suppliers. Read from the supplier's side, those reports answer the question a small business actually has before it takes an order: when will this customer pay an invoice at my terms, how often is it late, how often past 60 days, and is it getting better or worse. This endpoint says all of that in plain English, and prices the typical lateness on your invoice at the statutory rate (interest at 8% over the Bank Rate plus the fixed compensation), so the number on the quote and the number in the chasing letter are both ready. A company that doesn't report (smaller ones don't have to) is said so; nothing is guessed. Late payment hits about a quarter of small firms a year: this is the data they never see.
what you’d build with it
Quoting and credit control
Before you accept a 60-day customer: what 60 days really means with this one, and what it's worth in interest.
Invoicing and AR software
Show the expected pay date and the statutory sums next to every invoice to a reporting company.
Accountants and advisers
A one-line answer for a client asking whether to take a big customer on.
example response
{
"company": { "name": "TESCO STORES LIMITED", "number": "00519500" },
"reported": true,
"yourInvoice": { "amount": 5000, "termsDays": 30 },
"typically": { "daysToPay": 43, "daysLateAgainstYourTerms": 13, "paidLateAgainstItsTermsPct": 1, "paidAfter60DaysPct": 5, "paidWithin30DaysPct": 13 },
"trend": "steady",
"worthToYou": { "statutoryInterest": 20.92, "fixedCompensation": 70, "total": 90.92, "ratePct": 11.75, "assumes": "due 2026-11-06, paid 13 days later" },
…Abbreviated. The full example, every endpoint and runnable code are in the implementation guide above; the integration pack downloads beside it. No account needed to read any of it.
Why developers pick it
The supplier's question, not the reporter's table
Days late against YOUR terms and pounds owed on YOUR invoice, not a grid of percentages.
Priced at the statutory rate
Interest at 8% over the Bank Rate on the right reference date, plus the fixed compensation, ready for the chasing letter.
Nothing guessed
A company that doesn't report is said so; every figure is the company's own filing.
Terms & disclaimer. Provided “as is” with no warranty. Results are derived from public sources and, in places, generated by AI — they may be inaccurate or out of date and are not legal, professional or credit advice. Company data contains public sector information licensed under the Open Government Licence v3.0; the Registers API contains Environment Agency information © Environment Agency and/or database right, used under the Environment Agency Conditional Licence. Any logos returned remain the trademarks of their owners (nominative/identification use only, no endorsement implied). Any scores or ratings are an indicative opinion, not a statement of fact about a company. You are responsible for your own use. See the full API Terms of Use or get in touch.