Pay Score Methodology
A Pay Score is a 0–100 number that summarizes how a signing service has paid notaries over the last 12 months, based on payment timing only. This page documents exactly how it's calculated.
Data sources
The Pay Score for each signing service is derived from three sources:
- Verified by Quik2Pay (collections): rows from the Quik2Pay collections engine — when Quik2Pay funded a notary an early payout and then collected from the signing service. Payment dates are timestamped from real ACH settlement.
- Verified by Quik2Pay (invoices): batch invoices Quik2Pay sent to signing services and the dates those invoices were paid.
- Self-reported by notaries: structured records logged by notaries with Quik2Pay accounts. Each record contains date the job was completed, fee agreed, fee paid, and days to pay. No free-text reviews.
Sample size requirements
A Pay Score is only displayed publicly when a signing service has at least 5 payment records from at least 3 distinct notaries within the last 12 months.
Below that threshold, the profile shows "Building data — N records logged" instead of a number. This prevents a single outlier transaction from materially affecting a published score.
A Pay Score profile is only indexed by search engines when the service has at least 10 records from 3+ distinct notaries.
Time window
The score uses a rolling 12-month window. Records older than 12 months are excluded automatically. Companies whose payment behavior improves over time will see their scores improve as old records age out.
Formula
The Pay Score is a weighted composite of three components, each on a 0–100 scale:
speed_component = clamp(100 − ((avg_days_to_pay − 30) × 2), 0, 100)
reliability_comp = (1 − partial_pay_rate) × 100
pay_score = round(0.50 × on_time + 0.30 × speed + 0.20 × reliability)
on_time_rate = share of paid records where payment landed by the agreed due date (Net 45 baseline when no specific term is recorded).
avg_days_to_pay = mean number of days between job completion and payment, across paid records only.
partial_pay_rate = share of records where the amount paid was less than the amount agreed.
What the Pay Score does not measure
The Pay Score is intentionally narrow. It does not measure or imply:
- Quality of customer service or communication.
- Quality of orders, instructions, or document packages.
- Whether a signing service is a good business partner overall.
- Creditworthiness or financial health of the company.
It is a payment-timing summary. Notaries should evaluate signing services using the full picture of their own experience.
Companies: data review and removal
If you represent a signing service and believe a Pay Score record is inaccurate, please email support@quik2pay.com with documentation. We respond within 5 business days.
We will review the underlying records, correct any errors, and post a verified company response on the profile if you would like to provide one.
Companies may also request that their profile be removed entirely. We honor such requests unless the company has an active business relationship with Quik2Pay.
Disclaimer
Pay Scores are derived from transactions tracked through Quik2Pay and from structured, factual records submitted by independent notaries. Scores reflect payment timing only and are not credit ratings, business endorsements, or recommendations. Quik2Pay makes no representation that any signing service's payment behavior in the past will continue in the future. Notaries should make their own evaluations of any business they choose to work with.