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Card class: Non-Hero • Category: Ecommerce Platform
What proportion of what you owe suppliers is badly overdue, a leading signal on cash strain and AP backlog.

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At a glance

The share of total open Accounts Payable that is 60 or more days past its due date. Expressed as a percentage of the open AP balance, it answers one blunt question: how much of your supplier debt has slipped well past terms? A small share is normal friction. A large and rising share signals a cash crunch, an AP workflow backlog, or disputed invoices stuck in approval, all of which strain supplier relationships and put supply at risk.
What it countsOpen vendor payables aged by due date. The numerator is the sum of open AP where Due Date is 60+ days in the past; the denominator is total open AP. In F&O this is the Vendor aging / vendor balances inquiry; in Business Central it is the Aged Accounts Payable view over open Vendor Ledger Entries.
Tax treatmentGross. AP balances include VAT / GST / sales tax as posted on the purchase invoice.
CurrencyReporting currency. Multi-currency payables are translated to the configured reporting currency before the percentage is computed.
Multi-CompanyAggregated across the selected legal entities. The percentage is computed on the combined open AP unless scoped to one entity.
Time window30D vsP (current share vs the prior 30-day period)
Alert trigger>30% of open AP in the 60+ bucket
Rolesowner, finance

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Calculation

Calculated automatically from your Microsoft Dynamics 365 data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.

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Worked example

A UK home-and-garden retailer on F&O, single legal entity, snapshot 14 Apr 26. Total open AP is £1,420,000. Finance has been stretching a few large suppliers to manage a slow quarter.
AP age bucketOpen balanceShare of total
Current (not yet due)£540,00038.0%
1-30 days past due£312,00022.0%
31-60 days past due£142,00010.0%
60+ days past due£426,00030.0%
Total open AP£1,420,000100%
AP Aging ≥ 60+ (this card)30.0%
Four things to notice:
  1. 30.0% sits right on the alert threshold of >30%. One more large invoice slipping into the 60+ bucket tips the card into alert. This is the moment to act, not after.
  2. £426,000 in the 60+ bucket is concentrated, not spread. Drilling in, two freight suppliers account for £290,000 of it. A targeted conversation with two vendors resolves most of the exposure.
  3. The 31-60 bucket at £142,000 is the near-term pipeline. If it ages another month it becomes 60+, pushing the card to roughly 40%. The trend is as important as the level.
  4. vsP comparison gives the direction. Last period the 60+ share was 22%. The 8-point jump is the real story; a flat 30% would be a chronic-but-stable picture, the jump is an acute one.

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Sibling cards merchants should reference together

AP aging is one half of the working-capital picture. Pair it with the payment-discipline, supplier, and AR-side cards to read the full cash story.
CardWhy pair
Vendor Payment On-Time RateA falling on-time rate is what feeds this aging bucket. Cause and effect on one screen.
Active VendorsThe supplier base this debt is owed to. Concentration here is the risk.
AR Aging ≥ 60+ DaysThe receivables mirror. If both AR and AP are aging, the cash squeeze is structural.
Days Sales OutstandingSlow collections often drive slow payments. Read DSO and AP aging together.
Cash CollectedWhat is actually coming in determines what you can pay out. The cash you have funds the AP you clear.

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Reconciling against Microsoft Dynamics 365

Where to look in Business Central / Finance & Operations:
BC: Reports > Finance > Vendor > Aged Accounts Payable (the definitive native view) BC: Vendor List > Statistics (per-vendor balance and aging) F&O: Accounts payable > Inquiries and reports > Vendor balances / Vendor aging report F&O: Accounts payable > Vendors > All vendors > Balance (drill to open transactions)
To match this card, run the native Aged Accounts Payable with bucket boundaries set at 30/60/90 days, by due date, then divide the 60+ column total by the overall open AP total. The card does exactly this division on the same open-transaction set. Why our number may legitimately differ:
ReasonDirectionWhy
Aging by due date vs document dateEitherThe card ages by due date. A native report run by document date or posting date will bucket differently, especially for extended-terms suppliers.
Bucket boundary definitionEitherThe card uses a 60+ cut. BC’s default aged report may use monthly or calendar buckets that do not line up exactly at the 60-day mark.
Currency translationSmallMulti-currency payables are translated at the configured rate. A native report at a different FX cadence shifts the percentage slightly.
Open vs partially-applied invoicesEitherA partially-paid invoice contributes only its remaining open amount. If a payment application is mid-flight, the open balance differs between the card and a stale report run.
OData / Dataverse sync lagCard up to 15 min behindA payment that just cleared in D365 lowers the bucket; the card catches up within the cache window.
Cross-connector note: AP aging is purely internal to Microsoft Dynamics 365. It reflects what you owe suppliers, which has no representation on Shopify, BigCommerce, or Adobe Commerce, since those platforms track the sell side. There is no commerce number to reconcile against. The card’s value is as a standalone cash-strain and supplier-risk signal inside D365.

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Known limitations / merchant FAQs

Is a high 60+ share always a cash problem? Not always. It can be deliberate (stretching terms to preserve cash), a backlog (invoices stuck in approval and never paid on time), or disputes (held invoices that are genuinely contested). The number tells you the exposure; the cause needs a drill-in. Aged by due date or posting date? By due date, which is the meaningful cut for “past terms”. A purchase invoice posted 90 days ago but with Net-60 terms is only 30 days past due, not 90. Does this include VAT? Yes. AP balances are gross of tax, as posted on the purchase invoice, because that is the amount actually owed to the vendor. Why is the percentage moving when no new invoices posted? Because aging is time-based. Invoices roll from the 31-60 bucket into the 60+ bucket simply by the passage of days, even with no new postings. The denominator can also shift as payments clear. How does multi-company affect the percentage? By default the card computes the share on combined open AP across selected legal entities. Scope to one entity to see its standalone ratio; a healthy entity can mask a strained one in the consolidated view. Can a disputed invoice inflate this card? Yes. A genuinely disputed invoice still ages in the ledger until it is settled or credited. If disputes are material, exclude or tag them in your AP process so the card reflects true payment slippage rather than open disagreements. What is the right response when it alerts? Drill into the 60+ bucket by vendor. Most exposure is concentrated in a handful of large suppliers. A targeted payment run or a terms conversation usually clears most of the bucket faster than a blanket sweep.

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Tracked live in Vortex IQ Nerve Centre

AP Aging ≥ 60+ Days is one of hundreds of KPI pulses Vortex IQ tracks across Microsoft Dynamics 365 and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English. Start for free or book a demo to see this metric running on your own data.