Kolleno looks at how your customers usually pay — whether in full or in parts — to predict how much they’re likely to pay next time. This helps make forecasts more accurate and realistic.
1. What data is analysed
Kolleno only looks at invoices that have already been paid, using their linked payment history. All numbers are converted to your company’s main currency, so everything is compared consistently.
2. How the system recognises payment patterns
Checks how invoices were paid:
If an invoice was paid in one go → marked as a full payment.
If it was paid over several transactions → marked as a partial payment.
Ignores tiny adjustments:
Very small payments (less than 1% of the invoice) are ignored — unless there are many of them (5 or more), in which case they’re counted.
Finds typical behaviour:
The system looks for common patterns, like:
What share of the invoice is usually covered in the first payment.
At what invoice size customers tend to switch from full to partial payments.
3. What metrics are generated
Metric | What it shows | Why it matters |
Typical Partial Share | The usual % a customer pays in the first instalment | Helps predict next payment size |
Partial Payment Rate | % of invoices paid in more than one go | Shows how often customers pay in parts |
Full Payment Rate | % of invoices paid in one go | Shows how often customers pay in full |
Partial Payment Threshold | Typical invoice amount where customers start splitting payments | Helps forecast when partial payments are likely |
4. How this affects forecasts
When calculating expected payment amounts, Kolleno uses these patterns to predict:
Whether the next payment will likely be full or partial.
If partial, how big the next instalment is likely to be (based on the customer’s own history).
This means forecasts aren’t random — they’re grounded in how your customers have actually paid you before.
In short:
Kolleno studies each customer’s past payments to understand their habits.
If someone usually pays in parts, the system predicts a smaller next payment.
If they usually pay in full, it expects the full balance.