The TradePact Protocol

TradePact separates the brand a party interacts with from the infrastructure that performs the work.

Participants are the engagement brands parties encounter — the domain an interaction arrives from and the portal where it is resolved. Each participant corresponds to a distinct stage or mode of engagement.

Infrastructure is operated by ChaseFlow. All communication, evidence, resolution and record-keeping across every participant runs on it. Participants do not operate their own systems, hold their own records, or process data independently.

Intelligence is operated by Late Payer Index, which derives payment behaviour reporting from resolution outcomes across the network.

This structure exists so that a party dealing with any participant encounters the same standards, the same evidence quality, and the same resolution path.

Communication standards. How parties are contacted, how a participant identifies its role in every interaction, and the requirement that engagement remains proportionate to the stage of the invoice. Engagement begins at invoice issuance, not only after an invoice falls due.

Evidence. Every interaction is recorded — what was sent, to whom, through which channel, and when. Records are held centrally and are portable across participants, so a matter that moves between engagement stages carries its full history.

Resolution. How an invoice moves between stages, and how a paying party's position is captured and surfaced to the creditor. Where a party raises a dispute, it is flagged and put to the creditor for a decision.

Behavioural intelligence. What resolution data contributes to network intelligence, and the requirement that a client's election not to contribute is honoured across every participant.

Accountability. Each participant's role is disclosed to the parties it engages, and every action is attributable.

Payment processing and custody of funds. No participant holds funds belonging to a creditor or a paying party. Payment is made directly between the parties.

Credit rating. Behavioural reporting produced on the network is a commercial business-information product. It is not a credit rating, and no participant operates as a credit bureau.

Legal enforcement. The protocol covers engagement and resolution. Legal action remains a matter between the creditor and the paying party.

Disputes and data correction. Requests to dispute an invoice, or to review or correct a behavioural record, are handled by Late Payer Index under its published process at latepayerindex.com.

A participant supplies a brand. The network supplies everything else. Applications are reviewed against the criteria below.

1. A distinct engagement brand. The participant brand must be separate from the applicant's primary product brand, with its own domain and payment subdomain. A party being engaged should encounter an engagement identity, not a supplier's product name.

2. Display of the TradePact mark. Every party-facing touchpoint — email, portal, payment page, correspondence — must carry the TradePact Network mark. Recognition of the standard sits with the network, not with any single participant.

3. Routing through network infrastructure. All engagement runs on infrastructure operated by ChaseFlow Pte Ltd. Applicants intending to operate their own systems, hold their own records, or process engagement data separately are not eligible.

4. No conflicting position. An applicant must not hold a financial interest in the outcome of the invoices engaged under its brand, and must not operate a debt purchase, debt collection, or enforcement business. A participant's position must remain neutral to the creditor and the paying party.

Grounds for decline

Applications may be declined where an applicant does not meet the criteria above, or where:

• the applicant operates a competing receivables engagement service
• admission would materially concentrate the network within a single commercial group
• the applicant's use case falls outside receivables engagement as defined by this protocol
• the applicant is unable to meet the brand or mark requirements

Admission is at the discretion of the network operator.

Applications: participants@tradepact.net

TradePact Protocol v1.0 — Effective 1 January 2026