Predict Who Pays Late,Before You Invoice.

You type a UK or Northern Ireland customer's name. We immediately open three public-data sources the rest of the market does not connect: the company's full Companies House record, the government's Payment Practices Reporting register where any sizeable UK or Northern Ireland buyer must declare how late they pay their suppliers, and a two-hop walk through their director network for shared officers, recent CFO exits, and disqualifications.

Most credit tools check one source and call it a score. We read three, in parallel, in under three seconds. That is the foundation everything else in PayShield is built on.

We feed the company's data through a smart rulebook we built from years of UK & Northern Ireland payment patterns. The same warning signs always lead to the same answer. A small construction firm whose payments are slipping and whose finance director just left will always come up as high risk. No guesswork.

Then AI writes the explanation in plain English so you can read it in ten seconds and act on it.

You get a 0–100 risk score with a clear traffic-light tier, the three or four reasons that drove it (cited from the data, not invented), and the exact deposit and Net-N terms to invoice on. A high-risk customer might trigger a 40% deposit on Net-14 with a chase from day seven. A clean customer might land at no deposit and Net-30. The decision is made for you.

Then it streams to your screen as it forms, so you read the score before the reasoning, and the reasoning before the action. By the time the action lands, you have already decided what to do.