Frequently Asked Questions - Trade Receivables

What is the trade receivable program?

The trade receivable program offers you a way to improve your collections and productivity, while also supplementing the information that is available to assist other decision-makers in reducing their credit risk. The program includes accounts receivable information contributed to us by diverse businesses and is expanding at a rate of approximately 10,000 lines of trade a day.

How do I join the trade receivable program?

By simply submitting your accounts receivable information via an electronic medium of your choice we will incorporate your information into our trade database.
  • Email - Trade data files may be emailed directly to us at If you already email data files to credit reporting agencies or trade credit groups, then just add our address to the CC list and we'll take it from there.

  • FTP - Many providers find it easiest to have their IT departments set up an automated monthly "push" of trade data files to us via File Transfer Protocol (FTP). If you would like to use FTP, please call or email Chris Chach for details:

    Chris Chach, Inc.

  • Mail - Whenever possible, we prefer to receive your data in electronic format, since we can process it and load it into our database more quickly. If it is easier for you to produce physical media (tapes, cartridges, diskettes, etc.), however, then please send them to the following address.

    Trade Data Processing Department, Inc.
    704 Executive Boulevard
    Suite A
    Valley Cottage, NY 10989

What type of format should the trade data be in?

We will accept your trade receivable data in just about any electronic form that is convenient for you to produce. If you already provide trade receivable data to D&B™, Experian, an industry credit group or any other entity we can accept your information in that same format. If you do not currently export these records or have the flexibility to change the layout for us then our preferred file formats and data elements are described below.
  • Fixed-Field Format - A number of our trade providers give us simple flat files with fixed-length records, with or without carriage returns at the end of each record. Often, fixed-field formats are the easiest for legacy A/R systems to create. If you elect to send your data in fixed-field format, we will also need a one-time description of the file layout, so that we can tell where the various fields start and end in your data file.
  • Delimited Format - In the delimited formats, each field is separated from its neighbor by a delimiter character, typically comma or tab. When a field needs to use the delimiter character, that field is enclosed in double quotes. The most popular variation is Comma Separated Values (CSV) format, which is also sometimes known as comma-delimited, but we can handle files that use virtually any delimiter character. In all delimited formats, the order of the values is used to determine which value represents which field. Most often, delimited formats include a list of "headers" (field names) as the first line in the file. If you send us delimited format data files that do NOT have a header line, we will need you to supply us with a one-time list that specifies the names of the fields that you produce, in the order that they will appear in each line of the data files that you produce.
  • XML Format - If you have a newer A/R system that is capable of extracting data into XML format, we can process it easily. XML is self-documenting, so all we need is the XML file itself. If you are creating a new XML stream from scratch, the simplest thing for us would be for you to use the exact field names (without embedded spaces, of course) listed in the table below.
  • Other Formats - If you can't deliver your trade receivables data in any of the above formats, then send it to us in whatever format you have.

What kind of trade information is required and/or available?

Data Fields Critical? Description
Account Number Critical Your own A/R account number, used by us internally to match up records received from you from one month to another. This information is used for internal matching only and is never disclosed to our customers.
Company Name
Street Address
Zip Code
Critical The name and address of your customer, used by us to match your records up with records from other trade providers. To match, we need at least the company name and one line of street address, plus either city and state or zip code. Zip codes may be either 5 or 9 digits long.
Country Optional Addresses are assumed to be in the United States unless you supply an explicit Country name or code. ISO country codes are preferred, but we will take whatever country information you have and convert it.
Phone Number
Fax Number
Federal Tax Id
Optional Identifying fields that, if you have them, are also used in matching your records to those of other trade providers. These are less critical than the basic name and address information, but the more identifying data we have the better job we can do on matching and searching.
Date of First Sale
Number of Years Sold
Optional Either of these indicate how long this company has been your customer.
Industry Code Optional The SIC or NAICS code that best describes this customer's line of business.
Date Reported Optional If convenient, you can embed the date of the data extract into each record you send to us. If not, we will add the date each month when we get your data.
Date of Last Sale Optional The date of your most recent sale to this customer.
Terms Optional A simple textual description of the selling terms for this customer (e.g., "Net 30")
Payment Experience Optional A textual description of how quickly this customer pays (e.g., "Prompt")
Average Days Pay Optional The average number of days it currently takes for this customer to settle an invoice.
Credit Limit Optional This customer's current credit limit.
High Credit Optional The highest credit that has actually been extended to this customer.
Current Amount Optional The amount that this customer currently owes, excluding any past due amounts.
Past Due 1 to 30 Days
Past Due 31 to 60 Days
Past Due 61 to 90 Days
Past Due 91 to 120 Days
Past Due 121 to 180 Days
Past Due 181 to 360 Days
Past Due More Than 360 Days
Optional These fields specify aged past due amounts for different time frames. We recognize that different providers use different aging buckets. Just tell us what your buckets are and we will map your aging buckets into ours.
Total Receivables Optional Indicates the total owed by this customer including both current and past due amounts.

Why should I join the Trade Receivable Program?

By submitting trade to us, you are supporting other businesses, by providing information that can assist them in deciding whether to extend or deny credit to their customers. In addition, the users you designate will have access to the private Trade Provider Interface on our web site, providing them with additional capabilities not available to regular users, including:
  • When viewing Trade Payment reports on, the specific information you contributed is highlighted in blue, allowing you to easily distinguish your payment experiences from those submitted by other providers.
  • An additional menu item in the Lookup tab of allows you to find CreditRiskMonitor reports in our data base by entering your internal customer numbers or names.
  • An Aged Trial Balance summary created from your data, grouped by month and by aging bucket. Included is the ability to drill down from any aging bucket, to see the specific customers who are, for example, carrying a credit balance that is more than 90 days past due.
  • The ability to search and sort your customers by your internal customer number, name, address, phone number, or federal tax id. We display the results in a table, with your customer information on the left and our matching business information on the right.

How often is the trade data updated?

We receive files on a daily basis with most trade providers sending their information to us on a monthly basis.

Do subscribers know which companies participate in the trade program?

Your company name is not revealed in any way to our customers when they access the trade payment information on the CreditRiskMonitor site.

How do I obtain the free benefits?

Once we receive and process your trade file, your CreditRiskMonitor Account Manager will enable the Trade Provider Interface for the specific users that you designate. The Account Manager will also demonstrate the Trade Provider Interface to those users, if you wish.

How do I access the trade information on the CreditRiskMonitor site?

Use one of the "Company Lookup" functions to find the business that you are looking for. If the column labeled "Payments" contains a link then click on it.

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Sunday, June 20, 2021