Client Payment Risk Checker

What is the Payment Times Reporting Scheme?

The Payment Times Reporting Scheme (PTRS) is an Australian Government initiative that requires large businesses (with annual revenue over $100 million) to publicly report how quickly they pay their small business suppliers.

This transparency helps small businesses make informed decisions about who they work with. If a large client has a history of paying slowly, you can adjust your terms, request deposits, or plan your cash flow accordingly.

What does the risk rating mean?

• High Risk — Flagged as a slow payer, or pays more than 15% of invoices after 90 days
• Medium Risk — Pays less than 60% of invoices within 30 days
• Good Standing — Pays most invoices on time
• Fast Payer — Recognised by the government as paying promptly

What is P95 payment time?

The P95 (95th percentile) payment time means that 95% of invoices are paid within this many days. For example, a P95 of 60 days means only 5% of invoices take longer than 60 days to be paid. Lower is better.

How can Unpaid help?

Unpaid drafts AI-written payment reminders for your overdue clients, then queues each one in your inbox for approval before it sends. When combined with PTRS intelligence, Unpaid adjusts its reminder strategy based on each client's payment behaviour — suggesting more frequent follow-ups for slow payers and gentler reminders for fast payers.