Trade Exchange Program

A. Participation is open to any business willing to share its receivables (A/R) data, regardless of company size or whether it is already a D&B customer. Participation is free, voluntary, and does not affect existing D&B agreements. Businesses that join become “Trade Partners” and contribute data on a regular basis (typically monthly).

A. Key documented benefits include:

• Access to global trade payment data from thousands of participating companies
• Better visibility into customer payment behavior, including how customers pay you versus other suppliers
• Improved collections and cash flow, with reduced DSO and bad debt exposure
• Benchmarking insights against peers and industry norms
• Proprietary invoice labels (e labels) that encourage customers to pay on time by signalling that payment behavior impacts credit profiles
• Confidential participation, with strict data privacy and compliance with regulations.

A. Yes. The Trade Exchange Program is explicitly designed for global participation, covering more than 170 markets worldwide. It enables businesses to evaluate customer payment behavior across borders, making it suitable for companies with international customers or suppliers.

A. Trade Partners provide Accounts Receivable (A/R) data, which reflects how customers pay their invoices. This typically includes payment timeliness and patterns, submitted on a recurring basis. D&B performs quality checks before incorporating the data into its payment databases and does not release data without partner authorization.

A. Yes. Participation provides access to D&B Payment Performance Insights (PPI), a cloud based platform available exclusively to program participants. This platform integrates Trade Exchange data with D&B analytics to present payment performance, benchmarking metrics, and portfolio level insights through visual dashboards.

A. The program supports early warning indicators related to payment risk, such as patterns of delayed, fluctuating, or below average payment behavior. These signals help identify customers who may pose a higher risk of late payment or default, allowing businesses to take proactive credit or collection actions.

A. Participation enhances credibility by:

• Contributing to the world’s largest commercial trade data network, which strengthens the accuracy of D&B credit insights
• Reinforcing positive payment behavior, which can improve D&B related credit indicators
• Signaling to customers that payment behavior is monitored and shared, encouraging responsible payment practices