Accounts payable
Review invoices before approval or payment release.
Accounts Payable Intelligence Suite
Payment Terms Analyzer Online Free
Analyse invoice due dates, early-payment discount windows and overdue exposure from CSV or Excel data.
Payment Terms Analysis
Calculate due dates, discount windows and overdue exposure from invoice payment terms. Processing stays in your browser.
How the analysis works
Transparent AP control logic
Invoice date and net terms determine the contractual due date. Early-payment discount windows and actual payment dates are then used to identify overdue exposure or captured discounts.
This is decision support. Confirm ERP status, bank evidence, disputes, approvals and authorised payment policy before taking action.
What you will get
An actionable AP review
✓ Calculated due dates
✓ Early-payment discount window
✓ Overdue days and exposure
✓ Discount opportunity value
✓ Payment recommendation
✓ XLSX AP report
Upload Accounts Payable File
CSV, XLS or XLSX · processed locally in your browser
Drop a file here or browse from your device
Preview the full AP workflow before loading your own export.
Upload a CSV or Excel file to begin.
Business context
The business problem this tool helps solve
Payment-term analysis turns contractual terms into due dates, discount opportunities and overdue actions.
What can happen when the issue is ignored
- • Due dates calculated inconsistently
- • Discount windows missed
- • Overdue balances not prioritised
Who should use this tool?
This guidance is designed for people who need to use payment terms analyzer results in a real approval, planning or operational workflow.
Procurement teams
Confirm invoice values against purchase orders and agreed prices.
Finance controllers
Strengthen payment controls and investigate material exceptions.
Input guide
Prepare the inputs before calculation
| Column | Purpose | Example |
|---|---|---|
| Invoice Date * | Date used to start the payment term. | 2026-07-01 |
| Net Days * | Calendar days allowed before payment is due. | 30 |
| Discount Terms * | Optional early-payment percentage and days. | 2% in 10 days |
Mapping note: Use consistent dates, currencies, units and definitions. A correct calculation based on inconsistent inputs can still lead to a poor decision.
From raw data to a business decision
Use the analysis as a controlled decision-support step: prepare reliable data, review the exceptions, verify the cause and document the action taken.
- STEP 1
Prepare
Clean the source data and confirm the required fields and reporting period.
- STEP 2
Analyse
Run the tool and prioritise the most important payment terms results.
- STEP 3
Investigate
Validate the cause with contracts, transactions and operational evidence.
- STEP 4
Act and review
Assign actions, export the report and measure improvement in the next cycle.
Decision support
Recommended next actions
These actions are practical review priorities. Apply your organisation's approval limits, tolerance rules and contractual requirements.
- 1
Immediate
Review the material payment terms exceptions
Start with records that have the greatest financial, service or operational effect. Confirm the source data before taking action.
- 2
Next
Identify the business cause
Separate genuine performance or demand movement from data quality, timing, unit, currency and process issues.
- 3
Monitor
Create a repeatable review
Run the analysis on a consistent schedule, record decisions and compare whether corrective actions improve the next period.
Practical review tips
- • Use one reporting period and consistent definitions.
- • Review high-value exceptions before low-value noise.
- • Keep operational context with the analysis.
Common mistakes
- • Using incomplete or stale records.
- • Mixing units, currencies or reporting periods.
- • Taking action without checking the underlying transaction.
Good control practices
- • Define thresholds before reviewing results.
- • Assign each action to an owner and due date.
- • Retain the exported report with management decisions.
Practical examples
How teams use this analysis
The same result can require a different response depending on product criticality, shelf life, contract terms, service impact and available alternatives.
Shared services
Invoices use several negotiated terms.
Expected outcome: The team standardises due-date and discount review before the payment run.
About this accounts payable tool
Understand when invoices are due, whether discount opportunities were captured and which records are overdue.
How to use it
- Upload an invoice terms export.
- Map dates, values and payment-term fields.
- Run the analysis and review overdue or discount results.
- Confirm actions in the authorised payment system.
Related Accounts Payable Tools
Frequently asked questions
Are files uploaded to a server?
No. Supported CSV and Excel files are processed locally in your browser.
Can this replace ERP approval controls?
No. Use it for analysis and simulation, then confirm results in your authorised accounting or ERP workflow.
Can I export the analysis?
Yes. Download the result as CSV or print the report from your browser.
Should flagged records be checked manually?
Yes. Verify every exception against invoices, supplier records, bank evidence and approved finance policies.