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Late payment behavior helps you identify customers whose paid invoice history shows payment risk. It is available as a smart segment field in customer segments. Use it to prioritize collections, review payment terms, route manual follow-up, or focus a monitoring agent on customers with payment-risk patterns.

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How Hyperline evaluates late payments

Hyperline computes payment behavior from settled invoices. For each paid invoice, Hyperline compares the settlement date with the expected payment date. The expected payment date is based on the invoice due date and the customer’s payment terms. This avoids treating an invoice as late before the customer’s configured payment delay has elapsed. The payment behavior metrics include:
MetricMeaning
Paid invoicesNumber of paid invoices considered for the customer
Invoices paid after due dateNumber of paid invoices settled after the expected payment date
Late payment rateShare of paid invoices that were paid late
Average late payment delayAverage delay across invoices that were paid late
Late payment behavior is based on invoices that have been settled. Unpaid overdue invoices are still visible through invoice status, reminders, and other collection workflows.

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Smart segment: Late payment behavior

The Late payment behavior smart segment is computed and maintained by Hyperline. You do not need to set a threshold yourself. Hyperline evaluates three signals together:
  • Whether the customer has paid invoices late
  • How often paid invoices are late
  • How long late invoices are delayed on average
This keeps the segment focused on customers with meaningful late payment patterns instead of every customer with a single small delay.

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Create a late payment behavior segment

  1. Go to Customers > Segments.
  2. Click New Segment.
  3. Enter a segment name, such as Late payment behavior.
  4. Add a rule.
  5. In the field picker, open Payment behavior.
  6. Select Late payment behavior.
  7. Preview the matching customers.
  8. Click Save.
Because this is a smart segment, selecting the field is enough. You do not need to choose an operator or value.

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Build custom payment behavior rules

If you want more control, use the numeric payment behavior fields instead of the smart segment. For example, you can combine:
  • Late payment rate is greater than or equal to 50
  • Average late payment delay is greater than 10
  • Invoices paid after due date is greater than or equal to 2
Use custom rules when you want to tune risk definitions for a specific collections process or customer cohort.

Example 💡

You create a High-risk payers segment where Late payment rate is at least 50 and Average late payment delay is greater than 10 days. Your finance team follows the segment, and the monitoring agent watches it for new payment issues.

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What to do with the segment

After saving the segment, you can:
  • Filter the customer list by the segment
  • Follow the segment to receive customer follower notifications
  • Use it as the customer scope for a monitoring agent
  • Review payment methods and invoice reminders for matching customers
  • Export matching customers for collections review