Equifax's PayNet product analyzes small and medium-sized businesses' (SMBs) credit performance using detailed payment history and financial data. It employs advanced data analytics and risk assessment models to provide insights into creditworthiness and payment behavior. Key technical features include historical data aggregation, industry benchmarks, and real-time risk scoring. The product integrates with existing credit assessment systems via APIs, enabling informed lending decisions and effective risk management for SMBs.

Insights

Lite

Code	Description
GRID-PAYNET-LITE-CHR-MATCH-SCORE	A number between 0 to 100 that indicates how close this company matches the search criteria.
GRID-PAYNET-LITE-CHR-INQUIRIES	Total number of inquiries made for credit purposes within the last six months
GRID-PAYNET-LITE-CHR-MSV2-SCORE	A score predicting the probability that a obligation will become 90 days or more past due, or that a similar major negative event will occur (such as bankruptcy, litigation or repossession). The score ranges from approximately 450 to 800 points, a score of 650 equates to 10-1 odds of going "bad" in the development sample, and twenty points doubles the odds (i.e. a score of 670 equates to 20-1 odds).
GRID-PAYNET-LITE-CHR-MSV2-SCORE-PERCENTILE	A percentile rank of this company's PayNet MasterScore as compared to all other companies in PayNet's database with open obligations.
GRID-PAYNET-LITE-CHR-MSV2-SCORE-PROBABILITY	The probability, based on the PayNet Master Score, that an obligation will become 90 or more days past due, or that a similar major negative event will occur (such as bankruptcy, litigation or repossession).
GRID-PAYNET-LITE-CHR-MSV2-SCORE-KEY-FACTOR-1	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative
GRID-PAYNET-LITE-CHR-MSV2-SCORE-KEY-FACTOR-2	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative.
GRID-PAYNET-LITE-CHR-MSV2-SCORE-KEY-FACTOR-3	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative.
GRID-PAYNET-LITE-CHR-YEARS-IN-BUSINESS	The number of years the company has been in Business.
GRID-PAYNET-LITE-ANNUAL-SALES	Annual Sales for the business.
GRID-PAYNET-LITE-CHR-SIC-CODES	US Dept. of Commerce classification for industries.
GRID-PAYNET-LITE-CHR-OLDEST-CONTRACT-START-DATE	Start date of contract.
GRID-PAYNET-LITE-CHR-OPEN-CONTRACTS	Number of open contracts
GRID-PAYNET-LITE-CHR-CLOSED-CONTRACTS	Number of closed contracts
GRID-PAYNET-LITE-CHR-ORIG-RECEIVABLE-AMT	Gross original receivable for this member
GRID-PAYNET-LITE-CHR-HIGH-CREDIT-AMT	Highest ever outstanding receivable for this member
GRID-PAYNET-LITE-CHR-AVG-HIGH-CREDIT-PER-LENDER-AMT	The average high credit. If the company hit a high credit of $100,000 at one point in time with one lender and $50,000 at a different point in time with another lender, the average would be $75,000.
GRID-PAYNET-LITE-CHR-AVG-ORIG-TERM-MONTHS	The average scheduled length of all obligations, open and closed
GRID-PAYNET-LITE-CHR-CUR-BAL-AMT	Total outstanding balance across all contracts
GRID-PAYNET-LITE-CHR-CUR-BAL-AMT-PCT-OF-HIGH-CREDIT	"Total Outstanding Receivable" as a % of "High Credit Ever Outstanding". Shows how close the company is right now to the company's highest outstanding receivable ever.
GRID-PAYNET-LITE-CHR-CUR-BAL-AMT-PCT-OF-ORIG-RECEIVABLE	The "Total Outstanding Receivable" as a % of the "Gross Original Receivable". Shows Remaining Balance %.
GRID-PAYNET-LITE-CHR-MONTHLY-PAYMENT-AMT	nan
GRID-PAYNET-LITE-CHR-ANNUALIZED-SCHEDULED-PMTS	The currently scheduled payments (usually monthly payments) adjusted to an annual basis.
GRID-PAYNET-LITE-CHR-LOSS-AMT	The total lost or written off by lenders for this company.
GRID-PAYNET-LITE-CHR-SCHEDULED-PAYMENTS	Number of scheduled payments for all obligations, open and closed.
GRID-PAYNET-LITE-CHR-PAST-DUE-0130-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 01-30 Days
GRID-PAYNET-LITE-CHR-PAST-DUE-3160-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-LITE-CHR-PAST-DUE-6190-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-LITE-CHR-PAST-DUE-91-PLUS-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-LITE-CHR-PAST-DUE-31-PLUS-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-LITE-CHR-CUR-BAL-CUR-00-AMT	Current balance plus total amount that is current to 00 days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-CUR-30-AMT	Current balance plus total amount that is current to 30 days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-PAST-DUE-0130-AMT	Current balance plus total amount that is 01 to 30 days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-PAST-DUE-3160-AMT	Current balance plus total amount that is 31 to 60 days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-PAST-DUE-6190-AMT	Current balance plus total amount that is 61 to 90 days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-PAST-DUE-91-PLUS-AMT	Current balance plus total amount that is 91+ days past due.
GRID-PAYNET-LITE-CHR-CUR-BAL-PAST-DUE-31-PLUS-AMT	Total amount is that over 30 days past due.
GRID-PAYNET-LITE-CHR-PAST-DUE-0130-AMT	Total amount that is 01 to 30 days past due.
GRID-PAYNET-LITE-CHR-PAST-DUE-3160-AMT	Total amount that is 31 to 60 days past due.
GRID-PAYNET-LITE-CHR-PAST-DUE-6190-AMT	Total amount that is 61 to 90 days past due.
GRID-PAYNET-LITE-CHR-PAST-DUE-91-PLUS-AMT	Total amount that is 90+ days past due.
GRID-PAYNET-LITE-CHR-PAST-DUE-31-PLUS-AMT	Total amount that is 91+ days past due.
GRID-PAYNET-LITE-CHR-CUR-00-AMT-PCT-OF-CUR-BAL	Current–00 day’s delinquent amount as % of current total balance.
GRID-PAYNET-LITE-CHR-CUR-30-AMT-PCT-OF-CUR-BAL	Current–30 day’s delinquent amount as % of current total balance.
GRID-PAYNET-LITE-CHR-PAST-DUE-0130-AMT-PCT-OF-CUR-BAL	01-30 days delinquent amount as % of current total balance
GRID-PAYNET-LITE-CHR-PAST-DUE-3160-AMT-PCT-OF-CUR-BAL	31-60 days delinquent amount as % of current total balance
GRID-PAYNET-LITE-CHR-PAST-DUE-6190-AMT-PCT-OF-CUR-BAL	61-90 days delinquent amount as % of current total balance
GRID-PAYNET-LITE-CHR-PAST-DUE-91-PLUS-AMT-PCT-OF-CUR-BAL	91+ days delinquent amount as % of current total balance
GRID-PAYNET-LITE-CHR-PAST-DUE-31-PLUS-AMT-PCT-OF-CUR-BAL	Over 30 days total delinquent amount as % of current total balance
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-0130-DATE	Most recent date that obligor was 01-30 days delinquent
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-3160-DATE	Most recent date that obligor was 31-60 days delinquent
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-6190-DATE	Most recent date that obligor was 61-90 days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-91-PLUS-DATE	Most recent date that obligor was 91+ days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-0130-NEVER	Indicates whether obligor has never been 01-30 days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-3160-NEVER	Indicates whether obligor has never been 31-60 days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-6190-NEVER	Indicates whether obligor has never been 61-90 days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-PAST-DUE-91-PLUS-NEVER	Indicates whether obligor has never been 91+ days past due
GRID-PAYNET-LITE-CHR-MOST-RECENT-LOSS-AMT-DATE	Most recent date that a lender experienced a loss for this obligor
GRID-PAYNET-LITE-CHR-MOST-RECENT-LOSS-STATUS-DATE	Most recent date that a lender experienced a “bad” status
GRID-PAYNET-LITE-CHR-RECENT-AVG-DAYS-PAST-DUE	The average number of days past due for all obligations for the last three months.
GRID-PAYNET-LITE-CHR-RECENT-AVG-DAYS-PAST-DUE-UNKNOWN-IND	Indicates whether the recent average days past due cannot be calculated
GRID-PAYNET-LITE-CHR-HIST-AVG-DAYS-PAST-DUE	The average number of days past due for all obligations for the last five years
GRID-PAYNET-LITE-CHR-HIST-AVG-DAYS-PAST-DUE-UNKNOWN-IND	Indicates whether the historical average days past due cannot be calculated.
GRID-PAYNET-LITE-CHR-CONTRACT-DETAIL-INCLUDED-CNT	Indicates the total number of obligations included in the report
GRID-PAYNET-LITE-CHR-INCLUDES-OTHERS-CONTRACTS	Indicates if there are obligations from other members than the current user.
GRID-PAYNET-LITE-CHR-DIVERGENT-CREDIT-QUALITY	When an obligor’s credit profile differs significantly from another obligor’s credit profile from the same lessee, the divergent credit flag is set to ‘Y’.
GRID-PAYNET-LITE-CHR-NAME-MATCH	Whether the Business name matches exactly
GRID-PAYNET-LITE-CHR-STREET-MATCH	Whether the street name matches exactly
GRID-PAYNET-LITE-CHR-CITY-MATCH	Whether the city matches exactly
GRID-PAYNET-LITE-CHR-ZIP-MATCH	Whether the zip code matches exactly
GRID-PAYNET-LITE-CHR-STATE-MATCH	Whether the state matches exactly
GRID-PAYNET-LITE-CHR-PHONE-MATCH	Whether the phone number matches exactly
GRID-PAYNET-LITE-CHR-TAX-ID-MATCH	Whether the last 4 digits of the tax ID matches exactly
GRID-PAYNET-LITE-CHR-DBA-MATCH	Whether the DBA matches exactly

Full

Insights in bold are only available in the Full version

Code	Description
GRID-PAYNET-HAS-BANKRUPTCY	Business has at least 1 bankruptcy filing on record (even if it has been discharged or withdrawn). All bankruptcies (if any) will be included in the response.
GRID-PAYNET-HAS-TAX-LIEN	Business has at least 1 tax lien on file. All liens (if any) will be included in the response.
GRID-PAYNET-HAS-JUDGEMENT	Business has at least 1 judgement against them. All judgements (if any) will be included in the response.
GRID-PAYNET-HAS-UCC-FILING	Business has at least 1 UCC filing for collateral. All UCC filings (if any) will be included in the response.
GRID-PAYNET-CHR-MATCH-SCORE	A number between 0 to 100 that indicates how close this company matches the search criteria.

GRID-PAYNET-CHR-INQUIRIES	Total number of inquiries made for credit
	purposes within the last six months
GRID-PAYNET-CHR-YEARS-IN-BUSINESS	The number of years the company has been in Business.
GRID-PAYNET-ANNUAL-SALES	Annual Sales for the business.
GRID-PAYNET-CHR-MSV2-SCORE	A score predicting the probability that a obligation will become 90 days or more past due, or that a similar major negative event will occur (such as bankruptcy, litigation or repossession). The score ranges from approximately 450 to 800 points, a score of 650 equates to 10-1 odds of going "bad" in the development sample, and twenty points doubles the odds (i.e. a score of 670 equates to 20-1 odds).
GRID-PAYNET-CHR-MSV2-SCORE-PERCENTILE	A percentile rank of this company's PayNet MasterScore as compared to all other companies in PayNet's database with open obligations.
GRID-PAYNET-CHR-MSV2-SCORE-PROBABILITY	The probability, based on the PayNet Master Score, that an obligation will become 90 or more days past due, or that a similar major negative event will occur (such as bankruptcy, litigation or repossession).
GRID-PAYNET-CHR-MSV2-SCORE-KEY-FACTOR-1	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative
GRID-PAYNET-CHR-MSV2-SCORE-KEY-FACTOR-2	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative.
GRID-PAYNET-CHR-MSV2-SCORE-KEY-FACTOR-3	One of the top 3 factors that most influence this company's Master Score and whether that influence is positive or negative.
GRID-PAYNET-CHR-SIC-CODES	US Dept. of Commerce classification for industries.
GRID-PAYNET-CHR-OLDEST-CONTRACT-START-DATE	Start date of contract.
GRID-PAYNET-CHR-OPEN-CONTRACTS	Number of open contracts
GRID-PAYNET-CHR-CLOSED-CONTRACTS	Number of closed contracts
GRID-PAYNET-CHR-ORIG-RECEIVABLE-AMT	Gross original receivable for this member
GRID-PAYNET-CHR-HIGH-CREDIT-AMT	Highest ever outstanding receivable for this member
GRID-PAYNET-CHR-AVG-HIGH-CREDIT-PER-LENDER-AMT	The average high credit. If the company hit a high credit of $100,000 at one point in time with one lender and $50,000 at a different point in time with another lender, the average would be $75,000.
GRID-PAYNET-CHR-AVG-ORIG-TERM-MONTHS	The average scheduled length of all obligations, open and closed
GRID-PAYNET-CHR-CUR-BAL-AMT	Total outstanding balance across all contracts
GRID-PAYNET-CHR-CUR-BAL-AMT-PCT-OF-HIGH-CREDIT	"Total Outstanding Receivable" as a % of "High Credit Ever Outstanding". Shows how close the company is right now to the company's highest outstanding receivable ever.
GRID-PAYNET-CHR-CUR-BAL-AMT-PCT-OF-ORIG-RECEIVABLE	The "Total Outstanding Receivable" as a % of the "Gross Original Receivable". Shows Remaining Balance %.
GRID-PAYNET-CHR-MONTHLY-PAYMENT-AMT	nan
GRID-PAYNET-CHR-ANNUALIZED-SCHEDULED-PMTS	The currently scheduled payments (usually monthly payments) adjusted to an annual basis.
GRID-PAYNET-CHR-LOSS-AMT	The total lost or written off by lenders for this company.
GRID-PAYNET-CHR-SCHEDULED-PAYMENTS	Number of scheduled payments for all obligations, open and closed.
GRID-PAYNET-CHR-PAST-DUE-0130-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 01-30 Days
GRID-PAYNET-CHR-PAST-DUE-3160-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-CHR-PAST-DUE-6190-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-CHR-PAST-DUE-91-PLUS-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-CHR-PAST-DUE-31-PLUS-OCCURRENCES	The number of delinquency occurrences - not including renewal or month-to-month for 31-60 Days
GRID-PAYNET-CHR-CUR-BAL-CUR-00-AMT	Current balance plus total amount that is current to 00 days past due.
GRID-PAYNET-CHR-CUR-BAL-CUR-30-AMT	Current balance plus total amount that is current to 30 days past due.
GRID-PAYNET-CHR-CUR-BAL-PAST-DUE-0130-AMT	Current balance plus total amount that is 01 to 30 days past due.
GRID-PAYNET-CHR-CUR-BAL-PAST-DUE-3160-AMT	Current balance plus total amount that is 31 to 60 days past due.
GRID-PAYNET-CHR-CUR-BAL-PAST-DUE-6190-AMT	Current balance plus total amount that is 61 to 90 days past due.
GRID-PAYNET-CHR-CUR-BAL-PAST-DUE-91-PLUS-AMT	Current balance plus total amount that is 91+ days past due.
GRID-PAYNET-CHR-CUR-BAL-PAST-DUE-31-PLUS-AMT	Total amount is that over 30 days past due.
GRID-PAYNET-CHR-PAST-DUE-0130-AMT	Total amount that is 01 to 30 days past due.
GRID-PAYNET-CHR-PAST-DUE-3160-AMT	Total amount that is 31 to 60 days past due.
GRID-PAYNET-CHR-PAST-DUE-6190-AMT	Total amount that is 61 to 90 days past due.
GRID-PAYNET-CHR-PAST-DUE-91-PLUS-AMT	Total amount that is 90+ days past due.
GRID-PAYNET-CHR-PAST-DUE-31-PLUS-AMT	Total amount that is 91+ days past due.
GRID-PAYNET-CHR-CUR-00-AMT-PCT-OF-CUR-BAL	Current–00 day’s delinquent amount as % of current total balance.
GRID-PAYNET-CHR-CUR-30-AMT-PCT-OF-CUR-BAL	Current–30 day’s delinquent amount as % of current total balance.
GRID-PAYNET-CHR-PAST-DUE-0130-AMT-PCT-OF-CUR-BAL	01-30 days delinquent amount as % of current total balance
GRID-PAYNET-CHR-PAST-DUE-3160-AMT-PCT-OF-CUR-BAL	31-60 days delinquent amount as % of current total balance
GRID-PAYNET-CHR-PAST-DUE-6190-AMT-PCT-OF-CUR-BAL	61-90 days delinquent amount as % of current total balance
GRID-PAYNET-CHR-PAST-DUE-91-PLUS-AMT-PCT-OF-CUR-BAL	91+ days delinquent amount as % of current total balance
GRID-PAYNET-CHR-PAST-DUE-31-PLUS-AMT-PCT-OF-CUR-BAL	Over 30 days total delinquent amount as % of current total balance
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-0130-DATE	Most recent date that obligor was 01-30 days delinquent
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-3160-DATE	Most recent date that obligor was 31-60 days delinquent
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-6190-DATE	Most recent date that obligor was 61-90 days past due
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-91-PLUS-DATE	Most recent date that obligor was 91+ days past due
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-0130-NEVER	Indicates whether obligor has never been 01-30 days past due
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-3160-NEVER	Indicates whether obligor has never been 31-60 days past due
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-6190-NEVER	Indicates whether obligor has never been 61-90 days past due
GRID-PAYNET-CHR-MOST-RECENT-PAST-DUE-91-PLUS-NEVER	Indicates whether obligor has never been 91+ days past due
GRID-PAYNET-CHR-MOST-RECENT-LOSS-AMT-DATE	Most recent date that a lender experienced a loss for this obligor
GRID-PAYNET-CHR-MOST-RECENT-LOSS-STATUS-DATE	Most recent date that a lender experienced a “bad” status
GRID-PAYNET-CHR-RECENT-AVG-DAYS-PAST-DUE	The average number of days past due for all obligations for the last three months.
GRID-PAYNET-CHR-RECENT-AVG-DAYS-PAST-DUE-UNKNOWN-IND	Indicates whether the recent average days past due cannot be calculated
GRID-PAYNET-CHR-HIST-AVG-DAYS-PAST-DUE	The average number of days past due for all obligations for the last five years
GRID-PAYNET-CHR-HIST-AVG-DAYS-PAST-DUE-UNKNOWN-IND	Indicates whether the historical average days past due cannot be calculated.
GRID-PAYNET-CHR-CONTRACT-DETAIL-INCLUDED-CNT	Indicates the total number of obligations included in the report
GRID-PAYNET-CHR-INCLUDES-OTHERS-CONTRACTS	Indicates if there are obligations from other members than the current user.
GRID-PAYNET-CHR-DIVERGENT-CREDIT-QUALITY	When an obligor’s credit profile differs significantly from another obligor’s credit profile from the same lessee, the divergent credit flag is set to ‘Y’.
GRID-PAYNET-CHR-NAME-MATCH	Whether the Business name matches exactly
GRID-PAYNET-CHR-STREET-MATCH	Whether the street name matches exactly
GRID-PAYNET-CHR-CITY-MATCH	Whether the city matches exactly
GRID-PAYNET-CHR-ZIP-MATCH	Whether the zip code matches exactly
GRID-PAYNET-CHR-STATE-MATCH	Whether the state mathces exactly
GRID-PAYNET-CHR-PHONE-MATCH	Whether the phone number matches exactly
GRID-PAYNET-CHR-TAX-ID-MATCH	Whether the last 4 digits of the tax ID matches exactly
GRID-PAYNET-CHR-DBA-MATCH	Whether the DBA matches exactly