VOCALINK INTERNATIONAL LIMITED maintains an average payment time of 27 days, comfortably within a standard 30-day cycle, with 74% of payments settled within that window. However, the 24% of payments falling in the 31–60 day band indicates a consistent secondary payment cluster that extends beyond terms. The 2% over 60 days is relatively contained, suggesting extreme delays are not a systemic pattern.
The late payment rate of 41% is the most significant risk indicator here, meaning nearly half of all invoices are not settled on agreed terms despite the favorable average payment time. This disconnect suggests the average is skewed by faster early payments, masking a substantial proportion of unreliable settlements. Suppliers should treat payment timing as unpredictable, with a meaningful probability that any given invoice will require follow-up beyond the agreed due date.
VOCALINK INTERNATIONAL LIMITED presents a moderate payment risk profile — acceptable average speed but a 41% late payment rate warrants caution for cash-flow-sensitive suppliers. Before engaging, suppliers should consider implementing shorter payment terms (e.g., 14–21 days) to offset the lateness pattern, and establish clear invoice escalation procedures from day 31. Credit insurance or upfront partial payment on larger orders would be a prudent risk mitigation measure given the volume of payments falling outside agreed terms.
| Reporting Period | Filing Date | Average Time to Pay (days) | Paid within 30 days | Paid 31-60 days | Paid after 60 days | Not Paid within Terms |
|---|---|---|---|---|---|---|
| 01 Jul 2025 - 31 Dec 2025 | 27 Jan 2026 | 27 | 74% | 24% | 2% | 41% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
In the UK, we have the ability to pay by card in 15-days or by bank transfer in 60-days. These represent our standard payment terms and are always codified in contracts. There are other terms referenced in legacy contracts with N45 and N30 prevalent.
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
No additional information
Maximum contractual payment period agreed
60
Each Business Owner is responsible for addressing disputes regarding services rendered/materials shipped. Non-compliant invoices are rejected by the GBSC Invoice Processing team with a notification to the supplier of what they need to fix on their invoice for it to be compliant. Legal disputes would be referred to legal counsel.
Has this business signed up to a code of conduct or standards on payment practices?
For example, signatories to The Prompt Payment Code must commit to paying 95% of their invoices within 60 days.
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Does this business offer e-invoicing in relation to qualifying contracts?
This is where suppliers can electronically submit and track invoices. It's not just allowing suppliers to email them an invoice.
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Does this business offer supply chain finance?
This is where a supplier who has submitted an invoice can be paid by a third-party finance provider earlier than the agreed payment date. The business would then pay the finance provider the invoiced sum.
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Under its payment practices and policies, can this business deduct sums from payments under qualifying contracts as a charge for remaining on a supplier list?
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During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?
No information available
VOCALINK INTERNATIONAL LIMITED is a private limited company operating in the financial technology and payments infrastructure sector. The company's name reflects its focus on voice and data link communications, with an international dimension to its operations and service reach.
The company is registered in England and Wales under company number 11646063 and maintains its registered office at 1 Angel Lane, London, EC4R 3AB. VOCALINK INTERNATIONAL LIMITED was incorporated on 29 October 2018 and holds an active trading status.
Companies operating in this sector within the UK market typically provide payment network infrastructure, real-time payment solutions, and interbank clearing services. Such organisations support the seamless movement of funds across financial institutions, enabling businesses and consumers to transact efficiently and securely.
As a London-based entity, VOCALINK INTERNATIONAL LIMITED is positioned within one of the world's leading financial centres, placing it at the heart of the UK's financial services ecosystem. This location provides access to a broad network of financial institutions, technology partners, and regulatory bodies that are central to the payments industry.