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EU Payment Observatory

The Observatory monitors trends and developments on payment performance and behaviour in commercial transactions in the EU. It collects, analyses and disseminates data and provides a repository of relevant initiatives and policy documents.


Late payments in commercial transactions have multiple damaging effects, particularly amongst SMEs, causing one out of four bankruptcies in the European Union. The Late Payment Directive, which is currently under review, aims to address this issue and improve B2B and B2C payment culture. One of the main problems identified since its adoption in 2011 is the lack of monitoring tools, which has hampered a more effective implementation of the Directive and its enforcement.

The EU Observatory of Payments in Commercial Transactions (EU Payment Observatory) purpose is to fill that gap.

What are our objectives?


Stakeholders Forum

Informal group that gives operational support and advice to the EU Payment Observatory.



Resource library of relevant initiatives and policy documents on payment performance in the European Economic Area and the UK.



Provides all analytical documents produced by the Observatory including Thematic and Annual Reports.



Our newsletter with the latest news and publications on payment performance and the work of the Observatory.


Indicators Mapper

A data visualization of payment performance in commercial transactions in the European Economic Area (EEA)



Details and recordings of the main events of the Observatory including webinars and annual event.

EU Policy Document

Late Payments are addressed at European level by the Directive 2011/7/EU of the European Parliament and of the Council of 16 February 2011 on combating late payment in commercial transactions. For further information please see the Late Payment Directive dedicated webpage.

In September 2023 the European Commission proposed a Regulation on combatting late payments. 

Contact Us

EISMEA-SMP-COSME-LATE-PAYMENTatec [dot] europa [dot] eu (Contact Us)


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