How to Spot a Bad Payer Before You Get Burned

You can usually spot a bad payer before the loss happens: they push for large credit immediately, dodge written terms, have a GSTIN that won't verify or a name mismatch, delay small payments, and carry "Bad payer" or "Avoid" tags from other businesses. When two or more of these show up, tighten terms or ask for advance.

The warning signs

• Wants a big credit limit on the first order.
• Avoids putting due dates or terms in writing.
• GSTIN won't verify, or the name doesn't match.
• Slow even on small amounts; always "next week".
• Already tagged Bad payer / Avoid by the trade.

How to protect yourself

Check their GST and payment reputation first, start with small credit, get terms in writing, and keep evidence (invoices, cheques, messages). If you've been burned, tag them on HisaabScore so the next supplier is warned — that's how the network protects everyone.