Abstract: An electronic invoice payment system includes a database stored on a non-transitory computer readable medium, the database including a plurality of vendor records containing information pertaining to a plurality of vendors. A network interface is configured to receive presented invoices from multiple vendors for payment by multiple buyers. A processor is configured to analyze at least a portion of the vendor records to determine whether a subject vendor selected from among the plurality of vendors satisfies one or more predetermined criteria, and when so, to calculate a vendor propensity factor that operates as a measure of the subject vendor's propensity to participate in an aspect of the electronic invoice payment system. The processor further is configured to generate a vendor propensity record including the vendor propensity factor for the subject vendor.