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Paydex

A Business Credit Score for Managing Trade Risk

A Business Credit Score for Managing Trade Risk

In today’s business environment, where credit decisions must be both fast and accurate, having reliable information about trading partners significantly reduces risk. Paydex is a key indicator that helps business owners, lenders, and suppliers gain a clear view of a company’s payment reliability and creditworthiness.

What Is Paydex?

Paydex is a business credit score ranging from 1 to 100, designed to measure a company’s payment reliability. The score is based on payment history, timeliness, and overall business stability.

Paydex enables finance and credit teams to assess risk before entering contracts, extending trade credit, or approving loans.

Developer and Data Sources

Paydex scores within this system are developed and analyzed by the Corpus X B2B Data Analytics Platform, a product of Business Online Public Company Limited.

The score is calculated using real trade data reported through ARX (Accounts Receivable Exchange), a feature within the Corpus X platform.

How Paydex Is Calculated

Corpus X calculates Paydex using:

  1. Financial statements from the latest two years

  2. Payment behavior data submitted by users

The score reflects how consistently and punctually a business meets its payment obligations. Paydex results are available only when payment data has been shared through the platform.

When users share payment behavior data, the information is processed and analyzed to generate Paydex scores that reflect each debtor’s payment risk. Data contributors can instantly access their scores and related reports through the system.

Paydex Score Range

Score Range

Risk Level

Payment Timing

80-100

Low Risk

Paid within 0–30 days or before due date

50-79

Medium Risk

Payment delayed 2–30 days

0-49

High Risk

Payment delayed 31–120 days


Paydex is a critical tool for business decision-making across organizations of all sizes from large enterprises and SMEs to government agencies.

Shared data will be processed by the system, and the analytical results will be made available to the contributor to support informed decision-making.


The Corpus X Data Network

Thailand’s Largest Trade Data Network

Corpus X operates the largest trade data network in Thailand, processing over 2 million records annually across 1,600+ industries.

Powered by Real Payment Data

The platform is driven by reported payment data, delivering comprehensive and reliable insights to support confident business decisions.

Why Participate in Paydex

Joining the Paydex system and sharing credit data delivers multiple benefits: Note: Reported credit data is anonymized and handled in accordance with platform privacy and data protection policies.
Strong Credit Profile

Strong Credit Profile

Companies with strong payment histories enhance their credit reputation

Improved Payment Behavior

Improved Payment Behavior

Late-paying customers are incentivized to improve payment behavior

Accurate Risk Assessment

Accurate Risk Assessment

Credit professionals and lenders gain access to reliable risk assessment data

Transparent Data Ecosystem

Transparent Data Ecosystem

Promotes a transparent and mutually beneficial data ecosystem

What Businesses Gain from Sharing Trade Data


Payment Analytics Platform

Comparative insights into how customers pay you versus other suppliers, presented through clear charts and visualizations. Helps prioritize collections and forecast receivables risk.

Paydex Scores and Risk Indicators

Actionable insights to support credit decision-making and trade risk management.

Note: In certain cases, specific accounts may be excluded under special conditions to maintain system balance and scoring accuracy.

View Partner Credit Systematically.
Decide with Confidence.

Paydex is a powerful credit risk management tool that enables businesses to evaluate trading partners systematically
and make precise, data-driven decisions. Sharing data through ARX not only provides valuable insights
into your own receivables but also contributes to a broader credit data network that strengthens the overall trade ecosystem.

Check Paydex Score

See how payment behavior impacts credit risk.