How to Reduce Accounts Receivable Costs by Over 50% with Auto Recurring Billing

Auto recurring billing enables businesses to automatically bill customers for balance due without sending invoices or obtaining payment information each any every time money is collected. With recurring billing programs businesses can utilize any electronic payment process including direct-debit ACH transactions and credit/debit card transactions. In addition, when businesses convert legacy payment systems to auto-recurring systems utilizing exclusively ACH direct-debit transactions, they typically reduce processing costs by over 50%.

Direct Benefits of Auto Recurring Billing for Businesses include:

  • Faster payment processing (you get your money faster)
  • Elimination of printing, mailing and postage costs
  • Elimination of defaults and associated collections activities
  • Streamlined data entry and bookkeeping
  • Elimination of time consuming trips to the bank
  • Normalized cash flow
  • 24-48 hour NSF notification
  • Improved customer service
  • Ability to accept payments funded from credit/debit cards, checking account and savings accounts.

Auto recurring billing systems can be used for both static recurring charges (the same amount each time) or for variable bills. In either case, the recurring billing system saves time and money by obtaining advance authorization from customers to charge their accounts on a regular frequency and by entering customer information into a database system only once. That data is then accessed whenever payments are processed, and the customer record is updated to reflect each payment collected. The two examples below provide the steps involved in auto recurring billing systems that process static and variable recurring charges.

Auto Recurring Billing: Static Amount

  1. Customer data is entered once (including amount, frequency, duration, type of transaction and account information)
  2. Payment Processing System charges/debits account on schedule and counts down payments left (system can also be set for indefinite duration)
  3. Payment processing system automatically generates an email receipt for the customer and copies the vendor.
  4. Payment Processing System automatically identifies all failed transactions and reconciles with main database.

Auto Recurring Billing: Variable Amount

  1. Customer data resides in external database that calculates payment due
  2. Data, including amount due and account information is exported to .csv file.
  3. .csv file is uploaded to payment processing system as a batch
  4. Payment processing system processes all transactions in batch
  5. Report is generated for all successful and unsuccessful transactions
  6. Report is exported and then uploaded back into original database, reconciling all open balances with processed payments

Why Your Customers Want Auto Recurring BillingAuto recurring billing is not only a time and money saver for businesses, but for consumers as well. In fact, many consumers are demanding it from the companies with which they do business–and if you don’t offer it, your customers may select a competitor who does., the organization that oversees all electronic payments, reports that 54% of all US households currently use ACH (a direct-debit from a checking or savings account) for at least one monthly bill. Auto recurring billing takes ACH to the next level–eliminating the need for the customer to actively pay a bill (whether by paper check or online).

Direct Benefits of Auto Recurring Billing for Customers include:

  • Bills are automatically paid on-time, every-time, even if customers are ill or out of town.
  • Late payment fees are eliminated
  • Time and expense of writing and mailing checks is eliminated
  • Customers can keep electronic records of all invoices and receipts
  • Electronic payments are more secure than paper checks

How to Implement an Auto Recurring Billing ProgramImplementing an auto recurring billing program is simple.

If you currently accept payments electronically via direct-debit from a checking or savings account, or via credit card, you can likely use your current payment processing system to implement auto recurring billing. The auto recurring program can be implemented in two ways.

  1. Use the auto recurring billing functionality in your business management software (such as QuickBooks), and export a batch (daily, weekly, monthly) for processing in your payment processing system. This is best for variable payments.
  2. Implement the auto recurring billing function in your payment processing program (note that some companies require an additional charge for this function.) This is best for static payments.

If you don’t already accept electronic payments, you will need to subscribe to this type of service. The simplest way to do this to find a service that will enable you to perform ACH transactions using your current business bank account. This system will enable you to set-up an auto recurring billing program for your customers where you can direct-debit their checking accounts for outstanding balances. (An additional benefit to this type of system is that you can electronically process any paper checks you still receive from customers who do not elect to participate in the auto recurring billing program.).

Marketing an Auto Recurring Billing Program to Your Customers

Once you have processing capability in place, you can open the auto recurring billing program to your entire customer base. Many consumers know about these programs and are excited to sign-up for the new offering. Others need to be educated about the electronic payment process, and the benefits it can provide them.

Note that you cannot enroll a customer in an auto recurring billing program without explicit permission. Each customer must provide you with bank account information and sign a form giving you permission to debit that account. provides a wealth of information about electronic payment processing, and also provides materials you can use to educate your customers.

Most organizations introduce auto-recurring billing programs by sending a letter to the customer base, and asking them to sign-up for the program. A sample customer letter is available here.

When customers have signed up, you stop mailing them paper invoices, they stop mailing you paper checks and all billing and collections are handled electronically.


Lisa Hephner is the PaySimple marketing manager.

PaySimple provides effortless electronic payment processing via a simple web-based interface used to perform auto recurring billing, electronic check processing, direct-debit and credit card processing.

For more information on Auto-Recurring billing see:

For more information on ACH see

To contact Lisa Hephner email

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Affordable Auto Insurance

It’s amazing how much you can save on your auto insurance if you are prepared to shop around and if your are looking for affordable auto insurance then there is no better place to start than on the internet.

A good percentage of motorists are paying auto insurance premiums that are just too high because they fail to get competitive quotes when it comes to renewal time. There are plenty of insurance companies that offer more affordable auto insurance if you are prepared to take a little time to look around.

I know people that have seen nearly a 50% drop in auto insurance premiums just by swapping to a more affordable auto insurance provider.

A lot can change in just a year so just because you believe you got the best possible quote when you took your auto insurance policy out it doesn’t mean that you have the most affordable auto insurance now.

o For a start you have another year’s no claims and you may have changed your car and just used the same auto insurance company for speed and ease. However, even if your auto insurance provider offered you the most affordable solution for one car it doesn’t mean to say that you won’t get a more affordable auto insurance quote if you have changed your car.

o Then there are new auto insurance providers coming into the industry all the time and others may have changed their pricing structure in order to gain a bigger percentage of the auto insurance market.

o Your existing auto insurance company may have decided to increase their premiums at a higher rate than their competitors which could mean that you can get more affordable auto insurance through another auto insurance provider.

o You may have changed the number of named drivers or the youngest driver on your auto insurance policy may have reached a milestone age which will help make your auto insurance more affordable.

o You may have moved house into an area which insurance companies deem safer and will be prepared to offer you a more affordable auto insurance premium.

There is any number of reasons why you should always seek competitive insurance quotes and just because you have been saddled with high car insurance premiums in the past it doesn’t mean to say you shouldn’t seek more affordable auto insurance in the future.

Use the internet as a good starting point prices on the net are getting more and more competitive with discounts being offered if you buy your auto insurance online. If you aren’t sure which companies to get affordable auto insurance quotes from first you might want to try a couple of the larger insurance companies who have been in the auto insurance business for a considerable period of time such as Progressive Insurance or State Farm Insurance.

Happy hunting, go experience the pleasure of snapping up a bargain, your quest for affordable auto insurance could leave you with a lot of spare cash to burn!

For more about auto insurance [] visit

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I Want The Best Auto Loan Rate!

You have found the auto you forever wanted. A six speed manual transmission, a killer turbo V6 engine, and all the interior gadgets you demand to give the ultimate ride that you deserve. Now as having located your prized possession, how will you close the transaction? Will that be cash or will you be looking for financing? If a loan is your choice, let’s investigate how you can obtain the very best auto loan rate for your ride.

A new set of wheels can bewitch you. Examine the cool head light covers, the awesome looking hood scoop, the sharp detailing. Oops! You nearly forgot: how are you going to pay for your new car? Unless you have been blessed with a pot of gold, this unnecessary answer will most likely indicate one thing: auto loan financing. Yes, like so many buyers you may have to turn to an auto financing company to see to it that you obtain your new vehicle.

If you are purchasing a new vehicle, then your choice can include the auto manufacturer’s loan arm, a commercial bank or credit union, or an online auto loan provider. If you are purchasing a used vehicle, specifically one with low mileage, you may find that the number of lenders interested in financing your transaction to be much less. It is notable, the older the car and more miles on the vehicle, the more interest rate you will be required to pay.

Irrespective of whether your buy applies to a new or used vehicle, you may like to take time to do certain online investigation to uncover the lowest offers handy. By thinking things over, you could save hundreds of dollars in interest charges per annum. Yes, you could lower your monthly payments by $20, $50 or more with some alert auto loan shopping on your part.

Certain things to look out for include:

Loan term – The shorter the loan duration, the lesser the interest rate; the longer the loan term, the higher the interest rate. Search for the very best auto loan rate to go fit your budget.

A low, fixed rate – single digit financing is still possible – even with a used car. If your used auto is but a few years old and it has low miles then you could qualify for the best auto loan rate.

Your credit history – The higher your credit rating, the lesser your interest rate should be. Accordingly, you may want to bear in mind running copies of your credit report and getting your credit rating before applying for a loan. Should you have an average or poor rating you will have to settle for a higher interest rate for your auto loan. In some circumstances you may only be eligible for a bad credit auto loan, noticeably if you have a spotted credit history.

Remember these things when you shop for the lowest auto loan rate and you will save cash and a whole lot of hassles. You can finance your new car with an interest rate that just cannot be beaten!

For more news on the best auto loan rates [] try visiting [] where you’ll find helpful resources and information on auto loans, auto loan interest and online auto loans. Tom Masters regularly reviews auto loans to keep you abreast of developments in the auto loan arena.

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Wholesale Auto Parts

The world of automobiles is a broad one. It is comprised of a vast industry that includes auto manufacturing, designing and selling, vehicle equipment production as well as auto parts and accessories. Interaction in such industries is relatively high. Thus, every auto buyer?s demands can be answered easily. In turn, many automobile and auto parts dealings have been in constant development through the years. You can easily find wholesale auto parts on the market mainly because there are so many manufacturers.

Most automobile owners look to buy wholesale auto parts, as they are generally much cheaper. Deals like these are mostly available among auto parts dealers to attract buyers to do business with them. Since they are sold in large quantities, the price is staggered. Wholesale auto parts are available in sets or packages. For example, you can buy auto lights in four-piece sets and pay the cost of only a three-piece set.

The virtue of having wholesale auto parts is that you store additional parts for your vehicle?s regular maintenance without emptying your pockets. You also tend to have a wider choice in wholesale deals as most auto shops tend to order large quantities from manufacturers.

How to Find Great Deals on Wholesale Auto Parts

‘Cheaper by the dozen’ is a phrase that defines wholesale auto parts. But finding the right deals could sometimes be tricky and can cause a dilemma. However, the only secret to finding such great deals in wholesale auto parts is that you have to be very resourceful. If you could go auto shop hunting, then do so.

Look in as many shops as you can, investigate their products and their wholesale offers. See if their offers are worth your purchase. Another source of information is the Internet. Sites about auto shops now abound on the Web, and most offer wholesale auto parts such as lights, engine parts, exterior enhancements, power tune-up parts and the like.

You must also know how to distinguish good and reliable deals from bad deals. Testimonials and forums may help you out. There are specific sites dedicated to auto buyers where you can ask questions like where to find great wholesale auto part deals.

Auto Parts [] provides detailed information on Auto Parts, Used Auto Parts, Discount Auto Parts, Classic Car Parts and more. Auto Parts is affiliated with Online Auto Repair [].

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Auto Repair Guides

Auto repair guides explain the maintenance, repair, and cleaning of automotive supplies. These are guides meant for home users as well as professionals. Nowadays, these are available in electronic versions, and there are many software packages available to diagnose and fix automotive problems.

Major companies in this industry such as Ford, Mercedes, Chevrolet, and Volkswagen provide electronic auto repair guides so that even amateur users can learn a lot about auto repair. Auto repair guides usually tell you how repairs are done on all major parts of an automobile including the brake system, cooling system, electrical system, engine system, A/C-heat system, body and exterior, exhaust system, fuel system, steering and suspension system, and drive train.

A number of good online auto repair guides are provided free on selected websites. These sites provide useful articles and FAQs that enable you to learn the techniques of auto repair step by step.

Lots of auto repair guides tell you how to do simple auto repair jobs at home.

They also help you find quality used auto parts. Lots of auto repair guides also give you advice on auto repair shops in major cities. Auto repair guides also provide information on auto insurance, car rentals, driving schools and car washes. They help you learn more about automotive maintenance, car accessories and car audio systems.

At the most basic level, general auto repair guides walk you through some of the most basic maintenance and repair processes that are common to all vehicles. If you are new to auto repair, these may help you a lot. Auto repair guides also tell you how to choose a repair shop and how to choose a technician. They provide you with an idea about repair charges and preventive maintenance too. You can learn a lot about protecting your auto repair investment from these guides.

Auto Repair [] provides detailed information on Auto Repair, Auto Glass Repair, Online Auto Repair, Auto Body Repair and more. Auto Repair is affiliated with Discount Auto Parts [].

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.