OMni Risk helps you identify which customers may pay late or struggle to pay, understand why, and decide what action to take.
It's built into Ordermentum, so there's nothing to set up and no additional data to upload.
Note: OMni Risk is currently in beta. We're still fine-tuning the ratings and recommendations, so your feedback helps us improve how it works.
How OMni Risk ratings work
Each customer receives a credit rating from 0 to 5, which is refreshed weekly.
Ratings are based on how a customer pays across the entire Ordermentum network, not just with your business. This means you may spot signs that a customer is having difficulty paying other suppliers before they start missing payments with you.
The rating considers:
Late payments: How often a customer pays late and how overdue their payments are.
Failed payments: Card or direct debit payments that fail, including whether the failure rate is improving or getting worse.
Stop credits: Whether other suppliers have stopped extending credit to the customer.
OMni Risk also checks public company records from the Australian Business Register (ABR) and Australian Securities and Investments Commission (ASIC), along with reports from other suppliers. Any information that needs your attention is flagged.
Keep in mind: One late payment or failed payment won't significantly affect a customer's rating on its own. Ratings are based on patterns over time.
How to access OMni Risk
Select OMni Risk from the left-hand menu.
You'll land on a list of your customers and their current ratings.
[Insert screenshot: OMni Risk customer list showing All, Needs attention, Flagged and New tabs]
The customer list is organised into four tabs:
Tab | What you'll see |
All | Every customer you trade with. |
Needs attention | Customers with a low rating, a significant recent rating drop or a flag. Start here when reviewing customer risk. |
Flagged | Customers with an ABR, ASIC or supplier flag. |
New | Customers who started trading with you in the last 30 days. |
Understanding the customer list
Each customer row includes the following information:
Column | What it means |
Rating vs 8 wks | The customer's current rating and how much it has changed over the last eight weeks. An upward arrow (↑) means the rating has increased, while a downward arrow (↓) means it has decreased. |
Trend | A mini chart showing the customer's rating over the last 12 months. |
Method | How the customer pays you: Card, Direct (debit) or Other. |
Terms | The customer's current payment terms, such as Pay on place, Due on invoice or 7 days. |
Sales 90d | The value of orders placed with you over the last 90 days. |
Unpaid 90d | What the customer currently owes you from the last 90 days. |
Understanding customer flags
A warning icon (⚠️) next to a customer's name means they've been flagged.
Flags are colour-coded:
🔴 Red – Serious flag: For example, a company being placed under external administration.
🟠 Amber – Informational flag: For example, a recently registered business.
Hover over the warning icon to see why the customer was flagged.
[Screenshot: Examples of red and amber warning icons, preferably with the flag details visible on hover]
Finding customers and reviewing risk
Use the search box to find a specific customer. You can also filter the list by rating or payment method (Card, Direct or Other).
Tip: Sort by a significant drop in rating and compare this with the customer's unpaid balance. This can help you identify customers with the greatest potential exposure.
Where else can you see OMni Risk ratings?
Customer ratings are also displayed in:
New connection requests: Review a venue's rating before accepting its connection request.
Customer details: View the customer's rating directly from their customer profile.
[Screenshot: A new connection request showing a rating and a customer profile showing its rating]
View a customer's risk report
Select any customer from the list to open their detailed risk report.
Customer summary
At the top of the report, you'll see a summary of the customer's:
Current rating
Payment method and terms
Sales over the last 90 days
Unpaid balance over the last 90 days
You can also use the following shortcuts:
View invoices: See what the customer owes you and check whether they've had any payment failures.
View customer: Open the customer's full profile.
Important alerts
If there's a serious report or alert, it will appear above the customer details.
For example, this may include an ASIC notice, such as external administration, or a payment default reported by another supplier.
Why this rating
The Why this rating section explains the signals contributing to the customer's rating.
Each signal is marked to show its level of concern:
✅ Not a concern: For example, Pays on time or 100% paid on time.
⚠️ Some concern: For example, Sometimes late or 8% of recent payments failing, worsening.
❌ At risk: For example, an average of 2.9 days late with 88% paid on time, or 37% of recent payments failing and worsening.
These signals help you understand what's influencing the rating rather than relying on the rating alone.
Rating history
The rating history chart shows the customer's weekly rating over the last 12 months, compared with the network average for similar venues, such as other cafés.
If a customer's rating is consistently below similar businesses or has dropped sharply, it's worth taking a closer look.
[Screenshot: The rating history chart showing the customer's rating against the network average]
Company record
The Company record section shows:
The customer's ABN, which you can select to open the record on the ABR.
Their ASIC registration status.
When the business was registered.
Newly registered businesses are flagged because they have less trading history available.
Recommended action
Each customer receives one recommended action based on their rating, flags, payment method and outstanding balance.
Select View customer terms to review or change the customer's payment method or terms.
[Screenshot: The recommended action and View customer terms button]
Important: An OMni Risk rating is one input into your decision, not a final verdict. You know your customers and their trading history best, so consider the recommendation alongside your own relationship with them.
Report a payment default
If a customer owes you money and isn't paying, you can report the payment default to alert other suppliers on the Ordermentum network.
To submit a report:
Open the customer's risk report.
Select Report a payment default.
Enter the overdue amount and explain what happened.
For example: Invoices are more than 60 days overdue. We've followed up twice by phone and email but haven't received a response.
Select Submit report.
[Screenshot: The Report a payment default button and the form showing where to enter the overdue amount and explanation]
Our risk team reviews every report before it's published.
Once confirmed, the payment default will lower the customer's rating and become visible to other suppliers on the network.
Think a customer's rating looks wrong?
OMni Risk is currently in beta, and your feedback helps us improve its ratings, signals and recommendations.
You can share feedback directly from their risk report:
Under Why this rating, find Was this rating accurate?
Select 👍 or 👎.
If you select 👎, tell us what's incorrect.
For example: They always pay us on time or This customer closed last month.
Our team reviews every response.
Frequently asked questions
How often are ratings updated?
How often are ratings updated?
Risk ratings are refreshed weekly.
Why does a customer show "Building history"?
Why does a customer show "Building history"?
This means the customer doesn't have enough payment history on Ordermentum to receive a rating yet. This usually happens when they're new to the network.
It doesn't mean the customer has a bad rating. OMni Risk recommends starting conservatively until a rating becomes available, which typically takes a few weeks of trading.
Why does a customer have a low rating when they always pay me on time?
Why does a customer have a low rating when they always pay me on time?
Ratings reflect how a customer pays across the entire Ordermentum network, not just with your business.
A low rating may indicate they're having difficulty paying other suppliers, which can be an early warning sign.
If you believe the rating is incorrect, use the 👎 feedback option under Why this rating to let us know.
Why is a customer with a high rating in the Flagged tab?
Why is a customer with a high rating in the Flagged tab?
Flags and ratings are separate.
A customer may have a good payment rating but still have a flag. For example, ASIC records may show the company is under external administration, or the business may have been registered recently.
Open the customer's risk report to see what's been flagged.
Does one failed payment affect a customer's rating?
Does one failed payment affect a customer's rating?
Not significantly on its own. Ratings are based on patterns over time, so an occasional failed payment that's quickly resolved won't have a major impact.
What's the network average on the rating history chart?
What's the network average on the rating history chart?
It's the average rating of similar venues on Ordermentum, such as other cafés.
This gives you a comparison point to see whether a customer's rating is tracking above or below similar businesses.
Do I have to follow the recommended action?
Do I have to follow the recommended action?
No. Recommendations are a guide based on the customer's risk signals and payment behaviour.
You know your customers best, so the decision is always yours.
Need help?
If you notice missing customers, unusual figures, confusing wording or have questions about a customer report, contact our Support team using the chat button in Ordermentum.