How the Promise-to-Pay (PTP) Confidence Score is Calculated
The PTP Confidence Score shows how reliable a customer is when they make a promise to pay. It’s a number between 0 and 100 — the higher the score, the more trustworthy the customer’s promises are.
How it works
Kolleno looks at each customer’s past behaviour with their promises to pay.
It then scores them based on four key factors — some help the score go up, others bring it down if the customer often pays late or cancels.
1. Fulfilment Rate
Checks how many promises were actually paid.
Example: If a customer kept 9 out of 10 promises → they’re very reliable → high score.
If they often break promises → the score drops.
2. Timeliness
Looks at how close to the promised date the payment was made.
A few days late is fine, but regular or long delays lower the score.
The later they are, the bigger the penalty.
3. High-Value Payment Penalty
Focuses on big promises (for example, invoices above £50,000).
If a customer usually pays these high-value promises much later than their smaller ones, the score goes down slightly.
If they pay them on time → no penalty at all.
4. Cancellation Penalty
If a customer often cancels promises-to-pay, the score drops too.
Occasional cancellations are okay, but a high cancellation rate means they’re less reliable.
Putting it all together
Each factor has its own weight:
Fulfilment Rate → 50% of the score
Timeliness → 20%
High-Value Payments → 20%
Cancellations → 10%
Kolleno starts everyone at 100 points and then subtracts small penalties depending on behaviour.
For example:
Always pays on time → stays near 100.
Often late or cancels → score moves closer to 0.
Why it matters
The confidence score helps Kolleno forecast payments more accurately.
When the system knows how trustworthy a customer’s promises are, it can better predict when and how much they’ll actually pay — improving your overall cash flow visibility.
In short:
The higher the PTP Confidence Score, the more reliable the customer.
Kolleno learns from past promises to understand which ones can truly be trusted.