# Counterparty status and payer score > Each counterparty has two badges. The status says if an invoice is overdue today: Up to date or Late. The payer score, from 0 to 100, says how well the counterparty paid over the last 12 months: Good payer, Watch, Risky payer, or Insufficient data. Source: https://www.invunion.com/knowledge-base/counterparty-status-payer-score/ Last updated: 2026-10-14 The **status** and the **payer score** appear on every counterparty: in the list, in the edit panel and on the Overview page. They answer two different questions. ## Status: Up to date or Late The status answers one simple question: **is something overdue right now?** | Status | Meaning | | --- | --- | | Up to date | No invoice of this counterparty is overdue today. | | Late | At least one invoice has a due date in the past and is not fully paid. | A few rules: - Only **invoices you issued** count. Credit notes and supplier invoices do not. - A **paid** or **cancelled** invoice never makes a counterparty late. - An invoice paid in **several installments** is late as soon as one installment is past its due date and not paid. - There is **no grace period**. One day after the due date, the counterparty is Late. - A counterparty with no invoices is Up to date. The status changes the moment a payment is matched. Match the payment, and the counterparty goes back to Up to date. ## Payer score The payer score answers another question: **does this counterparty usually pay on time?** It is a number from **0 to 100**, shown with a label. | Payer score | Range by default | Meaning | | --- | --- | --- | | 100 · Good payer | 80 to 100 | Pays on time. | | 70 · Watch | 60 to 79 | Pays late sometimes, or leaves some invoices overdue. Keep an eye on it. | | 45 · Risky payer | 0 to 59 | Pays late often, or leaves a lot unpaid. | | Insufficient data | No score | Fewer than 3 issued invoices in the last 12 months. | The ranges are set in [Payer scoring](https://www.invunion.com/knowledge-base/payer-scoring/). Hover the badge in the list to see the details: timeliness, overdue exposure, the number of invoices used, and when the score was last calculated. ### How the score is calculated Invunion looks at the **invoices you issued to this counterparty over the last 12 months**. Cancelled invoices and credit notes are left out. It then gives two marks, each from 0 to 100. **1. Timeliness.** How late does the customer pay? - Paid on time, early, or up to **3 days** late: **100**. - After those 3 days, each day late costs about **1 point**. - **90 days** late or more: **0**. - An invoice that is overdue and still unpaid counts too, as late as it is today. Big invoices count more than small ones. Recent invoices count more than old ones: an invoice due 3 months ago counts half as much as one due today. **2. Overdue exposure.** How much is still unpaid after the due date? - Nothing overdue: **100**. - The more of what you billed is overdue, the lower the mark. - An invoice weighs more the longer it stays overdue. It counts fully after a number of days you choose (30 by default). **The score** mixes the two marks. You choose how much each one counts in [Payer scoring](https://www.invunion.com/knowledge-base/payer-scoring/). By default, timeliness counts more. Two extra rules then apply: - **Long-overdue limit.** If 5% or more of what you billed is unpaid for too long after the due date (30 days by default), the score is held just under 80: the customer cannot be a Good payer. At 25% or more, it is held just under 60: the customer is a Risky payer. - **Getting worse.** If the customer paid, over the last 3 months, clearly later than before (10 days or more on average), up to **10 points** are taken off. This warns you before the score drops. ### Example A customer received 4 invoices. To keep it simple, they were all due around the same time. | Invoice | Amount | What happened | Days late after the 3 free days | Timeliness | | --- | --- | --- | --- | --- | | FAC-001 | 1,000 € | Paid on the due date | 0 | 100 | | FAC-002 | 1,000 € | Paid 13 days late | 10 | 89 | | FAC-003 | 1,000 € | Paid 33 days late | 30 | 67 | | FAC-004 | 500 € | Still unpaid, 40 days overdue | 37 | 59 | 1. **Timeliness** is the average, weighted by amount: (1,000 × 100 + 1,000 × 89 + 1,000 × 67 + 500 × 59) ÷ 3,500 = **81**. 2. **Exposure**: 500 € of the 3,500 € billed is overdue for more than 30 days, so 14%. The mark is 100 − 14 = **86**. 3. **Score**: with the default settings, the two marks give **83**. That would be a Good payer. 4. **Long-overdue limit**: 14% is unpaid for more than 30 days. That is more than 5%, so the score is held just under 80. The list shows 80 · Watch. The score is 79.99, rounded to 80 on screen, and it stays in **Watch**. Once FAC-004 is paid and matched, the limit no longer applies. ### When the score updates The score is calculated again when an invoice, a match, an installment or a credit note of the counterparty changes, and once a day for everyone. The system counterparties (see below) never get a score. They always show Insufficient data. ## Status and payer score together The two answer different questions. **Status** is a photo of today. **Payer score** is the habit over 12 months. | You see | What it tells you | | --- | --- | | 100 · Good payer Up to date | All good. | | 98 · Good payer Late | A good customer with one invoice overdue. Often a payment not matched yet, or a one-off delay. | | 80 · Watch Late | Pays late and has something overdue now. Follow up. | | 70 · Watch Up to date | Nothing overdue today, but often pays late. | | Insufficient data Up to date | A new customer, or one you rarely invoice. | Before chasing a Late customer, check **Unmatched transactions**. A payment may have arrived and be waiting to be matched. Unmatched payments can also make the score look worse than it is.