Tag: payment

International payment – supply chain management – Business Link #unsecured #business #loan

#business link


Business Link

Manage your cash flow more efficiently

  • Use your existing credit cards 1 to support and facilitate payment for imports instead of tapping into cash reserves
  • Take advantage of your card’s interest free payment terms and reward points 2 and utilise your potential early payment benefits
  • Free up your cash flow for other critical business needs.

Take the guesswork out of foreign exchange rates

  • Access competitive real-time exchange rates
  • Know exactly what a purchase will cost in AUD at the time of the transaction.

Management of your international supplier

  • Manage your international suppliers on 1 platform allowing you to manage and track the entire supply chain process between you and your supplier; keeping you updated at every stage with email notifications
  • Store all important documents at each stage from purchase orders and invoices to shipping and payment.

Secure payments

  • International payments are made securely via Business Link and processed by Westpac
  • Payments are deposited directly into the supplier’s pre-registered bank account without your sensitive credit card information ever being disclosed to the supplier.

How it works

Business Link is an end-to-end online platform that facilitates payment for international suppliers by using your existing credit cards 1 with access to competitive real-time exchange rates

The buyer applies for Business Link

The international supplier is invited by the buyer to apply for Business Link and join the buyer’s closed community with support in English and Mandarin.

  1. Buyer submits purchase order. The purchase order is based on the Buyer and Seller’s Agreement formed outside of Business Link.
  2. Supplier accepts purchase order. Supplier submits invoice, documents (Bill of Lading or Airway Bill) and payment claims.
  3. Buyer authorises secure payment via Westpac Business Link using the buyer’s credit card. 2
  4. Payment is sent to the supplier’s pre-registered account.
  5. Buyer receives the goods.

Business Link fee

Business Link fee (excluding GST)

  • 2.5% of each Australian dollar amount that is debited to the Card under clause 3.7(b) of Section B
  • 0.25% Business Link Fee (inclusive of GST) 2.75% of each Australian dollar amount that is debited to the Card under clause 3.7(b) of Section B

The services of other financial institutions or third party processing institutions may also be used to carry out an International Payment. In many cases, these institutions will impose payment or handling fees and charges and are beyond our control. Westpac will not be liable for any amount deducted by, or payable to, another financial institution involved in carrying out an International Payment.

Fees and charges imposed by other financial institutions or third party processing institutions may be deducted from amounts transferred to the Seller. If this occurs, this means that the Seller will receive less than the Payment Amount.

Card payment processing fee

Foreign currency conversion fee

Foreign currency conversion cancellation fee

If an International Payment does not proceed for any reason, or a Buyer amends or alters any of the details of that payment, Westpac will need to cancel the underlying foreign exchange contracts. As part of the cancellation process, it may sometimes be necessary to ‘unwind’ the underlying foreign exchange contracts used to lock in a Buyer’s International Payment rate. This will result in a Buyer’s International Payment being cancelled. A different or new rate will also be used in the cancellation process. Depending on market movements in the relevant foreign exchange rates, there could be a cost or gain arising as a result of cancellation. Westpac will pass on to the Buyer any such cost but may, at its discretion, decide to withhold any gains. Westpac will withhold gains if, for example, in its reasonable opinion, the International Payment was not amended or cancelled in good faith by the Buyer.

The amount of Australian dollars a Buyer will receive on conversion back into Australian dollars will depend on the prevailing Spot Rate of Exchange at the time Westpac effects a Buyer’s cancellation request.

We may charge you a tracing fee of $35 per request.

A Buyer may sometimes need to confirm the destination of an International Payment. Westpac can assist a Buyer by tracing the International Payment to confirm if it was deposited to the Seller’s account.

This service is available by calling Business Connect Now or your Relationship Manager.

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Office of the Bursar #bursar, #penn #state, #ebill, #due #dates, #payment #plan, #refunds, #tuition


Penn State Office of the Bursar

ALERT: The Summer PA State Grant will NOT show in offered or anticipated status in the Student Account Statement until late June or early July. Student Account Statements are generated on a monthly basis and are due on the 22nd of the month. Summer billing will begin in May. Students will be responsible for payment of their student account. The Summer PA State Grant will be applied to the student account upon receipt of the funds in July (if eligible).

Please click the LionPATH Help button below for assistance with LionPATH.

Following are links to some helpful information.

LionPATH uses pop-up functionality within Internet browsers. Please make sure that you have enabled your browser to allow pop-ups.

Log into delegated access to view your student’s grades, financial aid, holds, to do list, and class schedule.

Students can grant access to Authorized Payers to view and pay the Student Account Statement, enroll in the Installment Plan, and access IRS form 1098-T.

eRefund is a fast and convenient way to receive your student refund. To enroll in eRefund:

1. Log in to LionPATH
2. Click on “Manage my Account/Make a Payment”
3. Select “Click to enroll in eRefund”
4. Complete the requested information

Important Dates

Summer Semester 2017
Installment Payment Plan*

How do I claim a PA 529 Guaranteed Savings Plan tuition payment?

If you are planning on using Pennsylvania 529 GSP funds, please follow the steps below:

Student Instructions

  1. After you receive an e-mail notification that your billing statement is available, log into your Student Center.
  2. Select “Manage My Account/Make a Payment”.
  3. Select “View” or “Download” in the “Your Statements” section.
  4. Print and/or save a copy of the Billing Statement for the account owner to submit with the Payment Authorization Form(PAF)or with an online qualified withdrawal.

The PA 529 GSP payment, as well as any additional personal payment being made by other means, must be received by the statement due date in order to avoid any late fees.

Account owner instructions.

  1. Complete the Payment Authorization Form (PAF) provided by PA 529 GSP or access your account online at www.pa529.com to print a PAF or complete a qualified withdrawal online.
  2. If completing a qualified withdrawal online, upload an electronic copy of the billing statement(see #4 above).
  3. If completing a paper PAF, mail or fax both the PAF and the copy of the billing statement to PA 529 GSP.

PA 529 Guaranteed Savings Plan
Processing Center
PO Box 55463
Boston, MA 02205
Fax: 617-559-2452

Please note: Penn State cannot request funds from a PA 529 GSP account on behalf of the account owner. Therefore, please DO NOT mail your PAF to Penn State.

PA 529 GSP mails PAFs in July or early August for the fall semester and in October for the spring semester. Summer PAFs are provided upon individual request. Additionally, a PAF can be obtained online at www.pa529.com or by calling 1-800-440-4000.

What if I have a third party paying my Student Account Statement?

What payment options do I have?

Payments can be made by electronic check (eCheck), credit card, or paper check. Cash payments may be made in person at your campus Bursar/Finance office. Do not mail cash.

How do I get financial aid?

If you are interested in student aid, contact the Office of Student Aid or the student aid representative at your Penn State Campus.

How do I e-sign my Federal Direct Stafford Master Promissory Note (MPN)?

The Master Promissory Note for the Federal Direct Stafford Loan can be completed online or by contacting the Office of Student Aid. Information for completing this online is available at: http://studentaid.psu.edu/types-of-aid/loans/stafford/overview#accept .

Why have I not received my refund?

There could be several reasons why your refund has not been processed. Here are some possible reasons:

  1. If a payment was made by personal check, a refund will not be processed for 14 days from receipt of that payment.
  2. If you are not signed up for eRefund, the account information provided may be incorrect. And, if this is the case, you will receive an email notification.
  3. You have not “accepted” your loans/financial aid in LionPATH.
  4. Your financial aid has not disbursed into your account.

Is the amount of qualified tuition and related expenses the total amount of the tax credit I can claim on my tax return?

Not in all situations. The amount of the tax credit that you may claim will depend on your individual situation. The IRS is providing instructions on the application of the 1098-T information and eligibility requirements for the new tax credits.

Please consult your tax preparer/consultant to determine how the American Opportunity and Lifetime Learning tax credits and the Deduction for Educational Expenses affect you.

I am experiencing difficulty reaching your office by phone. Is there another way that I can ask a question?

Yes, please click on the “Contact Us” link at the top of this page to send an e-mail message. Our staff will respond to inquiries within 1-3 business days.

I can’t log in as an Authorized Payer to the payment website with my password. What do I do?

Authorized payers can reset their password using the security question.

To reset your password using the security question:

  1. Navigate to public.lionpath.psu.edu and click “Login” in the Authorized Payer section.
  2. Enter your authorized user ID and click on “Forgot Password”
  3. Enter your user ID or email address and choose “continue”
  4. Enter the answer to your security question and hit “submit” to generate a new email with temporary password.

If you are unsuccessful, your student can reset your authorized payer password.

Steps for students to reset the authorized payer password:

  1. Log in to LionPATH Self Service –> Student Center
  2. Scroll to the “Finances” section, and click the “Manage My Account/Make a Payment” link, which will take you to the payment dashboard.
  3. Once at the payment dashboard, in the “Authorized Payer” section, the authorized payer’s name will be displayed. In the Authorized Payer box, the student should click “Edit,” and verify the email address is correct.
  4. At the bottom of the Authorized User information form, click “reset password” to generate a new email with temporary password.

Related Offices

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Affordable Self Storage in Hampton, VA #affordable #self #storage, #reviews, #ratings, #recommendations, #best, #worst,


Affordable Self Storage

Information about this business (4 )

6 locations to serve you6 va locations to serve youavailable-boxes andceilings-truckscobbs creek shacklefordcontrolled unites-highgloucester matthews hampton poquoson safe-clean-climatethe friendlier morethe friendlier more affordable alternative 223910attr:climate controlledstorage household & commercial

Posted on May 08, 2015. Brought to you by localcom.

Affordable Storage Inc is located at the address 1635 W Pembroke Ave Ste A in Hampton, Virginia 23661. They can be contacted via phone at (757) 723-6551 for pricing, hours and directions.

Affordable Storage Inc has an annual sales volume of 0 – 500K. For more information contact Dan Bolkhel, Owner or go to www.affordablestorageva.com

Affordable Storage Inc provides Dry Storage Units, Self.

Posted on September 02, 2014. Brought to you by chamberofcommerce.

We offer self storage to keep your personal items safe while you are moving, haveing work done to the house, TDY, or just need a place to put your access items till you can make room for them. We are open 7 days a week and will stay later if needed to assist with your move in. We are the friendlier more affordable storage company.

Posted on July 20, 2014. Brought to you by facebook.

Posted by Anonymous on June 30, 2009. Brought to you by merchantcircle.

Average Rating 20

I rented a unit for one month back in July 2007. As of today, March 4, 2008, I have not received my $10.00 deposit. I have spoken to them several times. I will not stop until I get my money. Are there others who have not gotten their deposit?

Posted by jj9801 on March 03, 2008. Brought to you by localguides.

Business description (5) view all

Affordable Storage can be found at W Pembroke Ave 1635. The following is offered: Warehouse Storage. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Hampton there are 6 other Warehouse Storage. An overview can be found here.

Posted on September 20, 2015. Brought to you by opendius.

Business, Climate Controlled, Home, Packing Supplies, Personal

Posted on November 03, 2014. Brought to you by merchantcircle.

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How much should you spend on a car? #car #or #truck, #monthly #car #payment,


How much should you spend on a car?

Most Americans are spending far more than they can afford on cars and trucks.

Just because the monthly payments are manageable doesn’t mean it’s smart to let a $30,000 or $40,000 auto loan gobble up a huge chunk of your paycheck every month.

This is one of life’s biggest expenses, and it’s a purchase where you have total control over how much you spend.

The car companies know this.

It’s why they devote billions of dollars a year to advertising that tries to make this a purely emotional choice. You’re urged to choose a ride that tells the world how successful you’ve been. Or how hip you are.

The automakers want to grab as much of your money as you’ll let them take.

Week after week. Month after month. Year after year. They want you to keep paying them.

Yet you can get a great car for much less and use the savings to invest in yourself.

Here’s where the money for your retirement or kids’ college can come from.

The 20/4/10 rule

It all starts with what we call the 20/4/10 rule, which says you should:

  • Make a down payment of at least 20%.
  • Finance a car for no more than four years.
  • And not let your total monthly vehicle expense, including principal, interest and insurance, exceed 10% of your gross income.

So grab your pay stubs and determine your household’s monthly gross income — that’s how much you and your spouse make before any taxes or expenses are deducted.

Then find your most recent auto insurance bills, and figure out how much you’re spending per month on premiums.

Take 10% of your gross monthly income, and subtract the monthly insurance premiums.

That is the monthly car payment you can afford to make.

Let’s say, for example, you earn $53,000 and spend $80 a month for insurance — right around national median household income and average premium for a single car.

Your monthly gross income would be $4,416, one-tenth of that would be $441 and the monthly car payment you could afford would be $365.

Click the circle at the top that says you want to calculate the “Total purchase price.”

Enter the monthly payment you can afford, and choose to finance the balance over 48 months, as the 20/4/10 rule suggests.

Use 4.35% for the interest rate, which is right at the average cost of a 4-year new-car loan.

Or search Bankrate’s database of the best car loans in your area, and use that rate instead.

What you’ll pay

Most buyers with reasonable credit will pay less than average for financing.

Under Down payment. on our auto calculator, enter how much cash you’ll be devoting to the purchase and the trade-in value of your existing car or truck.

Under Taxes and fees. enter the sales tax rate for where you live and license your vehicles. Remember that the sales tax rate on vehicles may be different than it is for everyday expenses such as food and clothes.

Hit the “Calculate” button, and the “Total purchase price” will appear at the top of the calculator. That’s how much you can afford to spend.

Using our example, with a $365 monthly payment, $3,000 down payment, a sales tax rate of 7% and no other fees, this family could afford to spend $17,870.

Are there situations where you could responsibly spend more?

Let’s say the new car or truck you’re buying offers a $1,500 rebate that you used to boost your down payment.

If you have decent credit, you might qualify for discount financing from the automaker or a regular loan that costs less than the 4.14% average.

The more you put down, and the lower the interest rate, the more you’ll be able to afford to spend.

Longer loans are one of the auto industry’s favorite tricks to lower monthly payments and help customers buy more expensive cars than they can really afford.

The 48-month loans we recommend are bad enough, siphoning thousands of dollars in interest from your savings to pay for something that’s losing value every day you own it.

Longer loans are just bigger wealth killers. If you need to finance a vehicle for six years, it’s a sign you can’t afford it.

Edit: This article was pretty informative, but if you’re a young person, there’s no way in hell you’re only spending 80 a month on insurance.

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Massachusetts Insurance Payment Options #auto #insurance #boston #ma, #ma #insurance #payment #options


Massachusetts Payment Plan Information

MAPFRE Insurance offers different payment plans for Massachusetts insurance customers. These plans give customers choice and flexibility so that you can pay for your policy in as many as twelve installments or as few as one.

Automatic Payment Plan (EFT) – Personal Auto and Homeowners Policies

For new policies, we require a deposit premium of 12%. For Personal Auto and Homeowner policies we have lowered our deposit premium to 8%. Premiums are payable in up to 12 installments which are automatically deducted from a checking or statement savings account on a date you choose. You will receive a schedule of all deductions when you begin the plan and if the deduction amount changes. Enrollment is easy, fast, and a time saving way to make your monthly premium payments. Personal Automobile policies and Homeowner policies will incur a $1.00 monthly service fee. To enroll in the EFT payment plan, you can login to your established MAPFRE account or you can set up an account at this time. Simply click on the link from the MAPFRE Home page under the ONLINE SERVICES. You can also complete the EFT Authorization form, located to the right under Related Forms on this page. Complete the form following the necessary requirements and mail directly to MAPFRE Insurance, 11 Gore Road, Webster, MA 01570.

* Please note we cannot use passbook savings accounts for your EFT deductions.

Paid In Full – All Policies

Pay the full premium at any time to avoid future or all finance fees or service charges.

Paid In Full – Personal Auto

Pay the full premium with New Business (effective 09/01/09 new business) or the full balance on the first renewal bill (effective 11/01/09 renewals) and no finance fee or service charge is applied. You will also receive an additional 5% discount on coverage parts 1-12 when the annual premium is paid in full.

11 Payment Plan – Personal Auto and Homeowners Policies

For new policies, we require a down payment followed by ten installments. If you are a renewal customer, premium is payable in eleven monthly installments. Service fees are included on each statement sent to you after the effective date of your policy.

Commercial Policies – Commercial policyholders are also eligible for the 11 Payment Plan. Applicable service fees or finance charges will be displayed on the premium invoices.

3 Payment Plan – Homeowners and Umbrella Policies

Premium is payable in three installments due at the start of the policy and every 90 days thereafter. Service fees are added to the last two bills.

The Commerce Insurance Company
Attn: Direct Bill Payment
11 Gore Rd.
Webster, MA 01570

Please include your policy number on your check.

Customer Service Representatives can be reached Monday through Friday from 8:00 a.m. to 6:00 p.m. at (800) 922-8276

Automated Account Information
Use your touch tone phone to receive account information 24 hours a day, seven days a week. Call (800) 922-8276. Select ‘2’ for Billing, then press ‘2’ to reach the automated billing information center.

Connect With Us

Check out MAPFRE reviews on Trustpilot

2017 MAPFRE U.S.A. Corp. All rights reserved

Corporate Information


MAPFRE Insurance is a brand of MAPFRE U.S.A. Corp. and its affiliates, MAPFRE Life Insurance Company (Dover, DE.),The Commerce Insurance Company, (Webster, MA) and Citation Insurance Company (Webster, MA). MAPFRE Life Insurance Company is licensed in all states excluding New York. The Commerce Insurance Company is not responsible for the contractual or financial obligations of MAPFRE Life Insurance Company.

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The 15 Most Popular Online Payment Solutions #ecommerce,mobile #payments,paypal,finance,online #payment,digital #payments


The 15 Most Popular Online Payment Solutions

Serial entrepreneur, mentor, advisor and co-founder of YoungEntrepreneur.com

December 6, 2016

There s no denying that when it comes to accepting and receiving payments, PayPal is the reigning champion. In fact, it s the de facto online payment solution for online customers, freelancers, and business owners.

While people tend to love PayPal for a variety of reasons, technology has opened the door for a number of competitors to challenge PayPal by offering cheaper frees, faster transactions, and enhanced security. Here are 15 of those alternatives.

1. Due

Due made a name for itself through its innovative time-tracking and invoicing tools, which are especially useful for freelancers and small business owners. More recently, Due has allowed users to start accepting secure online payments for just a 2.7 percent transaction rate. Due also accepts global payments, which typically occur within two business days, as well as a digital wallet to send or receive money to anyone in the world instantly with little to no cost. It even has an e-bank where you can store your cash online.

2. Stripe

Stripe has fascinated users for the last couple of years with its powerful and flexible API. This means that you can tailor the platform to meet your specific needs, whether you re running a subscription-based company or an on-demand marketplace. Stripe integrates with hundreds of other applications, so even if you re not a professional coder, you can get up and running quickly. The lack of setup, monthly, or hidden fees is an added bonus.

3. Dwolla

Dwolla has similar features to PayPal when it comes to transferring funds, but thanks to its API, it focuses more on bank transfers, or Automated Clearing House (ACH) payments. so users can create a customized payment solution where payments are received within a day. Best of all, transactions are free.

4. Apple Pay

If you re a merchant, then it s time to consider accepting Apple Pay. Transactions are faster and more secure, since Apple Pay uses touch ID confirmation. In other words, a customer can use their fingerprint to pay for their takeout pizza. Apple Pay is still relatively young, but don t be surprised if the service will adapt to support older machines. Also, word on the street is that Apple is working on a P2P payments system within iMessage.

5. Payoneer

Payoneer is one of the oldest global payment processing services. It is available in more than 200 countries and accepts 150 different currencies. Receiving payments is free, and the platform includes a flexible API that grows with your business. Like PayPal, you can receive a plastic MasterCard if you aren t ready to go 100 percent digital.

6. 2Checkout

2Checkout is another trusted payment platform that allows users to accept credit cards, debit cards, and PayPal globally. It s available in 87 different languages, offers advanced fraud protection, integrates with hundreds of online shopping carts, and allows you to automatically bill customers with recurring billing.

7. Amazon Payments

If you want to give customers peace of mind, then accept payments through Amazon. Whenever they make a purchase on your site, they automatically go through Amazon s checkout. This means that they ll use their Amazon credentials, which makes the checkout process more convenient and trustworthy.

8. Square

Square changed the game when it introduced its magstripe reader, allowing business owners to swipe credit cards anywhere for a 2.75 percent transaction fee per swipe. However, you can also send electronic invoices, and ultimately get paid, through the Square Cash App.

9. Payza

With this popular service, you can send or receive payments from anyone in the world in just a matter of minutes. It also has a cool and easy-to-use interface, offers a robust and unique security system, and provides dedicated support and it s free to sign up. What s most interesting about Payza is that on top of receiving and withdrawing funds from a bank account and credit card, it also accepts bitcoin.

10. Skrill

Skrill has become a popular alternative to PayPal thanks to features like instant withdrawals and deposits, low transaction fees, exclusive offers, the ability to accept from 40 currencies, and being able to send text messages directly from your account. If you refer a friend, the company will put 10 percent of the fees they generate from paying or sending money into your Skrill account for an entire year.

11. Venmo

Even though PayPal acquired Venmo, the fundamental principles are different between the two. PayPal is used for making simple transactions for either personal or professional purposes. Venmo is used by individuals who consider themselves social spenders. In other words, it s like a hybrid of PayPal and a social network like Facebook, since transactions are shared on an online feed. So whenever a friend pays back a friend, it s shared publicly.

12. Google Wallet

Once known as Google Checkout, Google Wallet is an online payment service that allows users to send safe, simple, and speedy money transfers from their browser, smartphone, or Gmail account. You can store credit cards, debit cards, loyalty cards, and even gift cards to your account.

13. WePay

WePay prides itself on its top-notch customer service and fraud protection. Merchants, however, like the fact that customers can make their purchases without having to leave their site, thanks to a virtual terminal. WePay also offers Know Your Customer collection and risk management and can be used for invoicing, event ticketing, and marketing automation.

14. Intuit GoPayment

Intuit is almost indispensable for a small business owner. Besides being able to accept payments both online and in person with the mobile GoPayment credit card processor, Intuit can assist you with payroll and calculating taxes. The most promising features is the low monthly rate of $19.95, which only charges a 1.6 percent charge for credit card swipes, as opposed to the standard 2.40 percent rate.

15. Authorize.net

You can t leave out Authorize.net. After all, it s been processing payments since 1996! It s also the Internet s most widely-used payment gateway and has been the recipient of the Achievement in Customer Excellence (ACE) award from 2008 to 2016. Even though the company has been around for twenty years, it stays current with trends, like being able to accept Apple Pay. No wonder the company is so widely regarded!

Today, online businesses have more payment platform options than ever before. Each platform comes with its own advantages and fallbacks, and it s up to you to find out which is best for your business. Which payment platforms have simplified your business transactions in the past? Which platforms do you plan on trying?

Screenshots taken on 11/15/16

Editor s note: Due is a content partner of Entrereneur.com.

6 Challenges for Family Businesses (and How to Overcome Them)

Adam Toren is a serial entrepreneur, mentor, investor and co-founder of YoungEntrepreneur.com. He is co-author, with his brother Matthew, of Kidpreneurs and Small Busines.

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About AIBMS – AIB Merchant Services #aib, #merchant #services, #credit #cards, #payments, #payment #processing,


Privacy & Cookies Policy

About AIB Merchant Services

AIB Merchant Services is one of Ireland’s largest providers of payment solutions, with extensive operations in Ireland and Britain, and with card processing capabilities throughout continental Europe. We process millions of payments every day, and deal with every major credit and debit card accepting payments in every channel we can. In a rapidly transforming industry, we remain at the cutting edge consistently providing superior customer service.

Some of the world’s most significant companies and public bodies trust us to take care of their customer payments, for good reason.

Evolution is the keyword in the payments industry and evolution is what drives the products and services we provide to the new generation shopper.

Our innovative new Clover™ system was awarded “Best Innovation ” at the Card and Payments Awards 2015 and “Best Acquirer ” at this years MPE Awards, a welcome addition to add to our Best Acquirer MPE award in 2014.

Our expertise and innovation, together with our partner relationships, are at your service.

Global Corporate Expertise

There’s a reason Europe’s largest businesses partner with AIB Merchant Services.

It’s the unparalleled services we offer, specialised for each sector and tailored specifically to requirements. With over 30 years of acquiring experience, we provide our clients with sharp sectorial insight, along with the capability to act on this knowledge.

Dedicated corporate account management teams mean our clients can pick up the phone and talk to us whenever they need to. We work closely with our clients, developing long and successful relationships.

Through cutting edge technology and flexible reporting abilities, we deliver consistent solutions that work for our corporate clients. We guarantee that we can do the same for you.

If you’d like to partner with an award-winning acquirer, let us show you just how much value our expertise can add to your business.

Get in touch and let us help your business


Are you interested in trying one of our products?

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Car Insurance Payment Plans #car #insurance, #payment, #methods, #automatic #payment, #car, #insurance


Car Insurance Payment Methods

Car Insurance Payment Methods

Paying for auto insurance is something that most drivers rarely look forward to, but it is a process that can provide certain advantages when done in various ways. Here, we’ll go over some common car insurance payment methods to consider.

Paying Your Premiums

Some of the most important payments you will make are your car insurance premiums. If you don’t pay on time (or at all), you can face late fees and even cancellation of your policy. If your policy gets cancelled, you can face:

  • Harsh penalties for driving uninsured, such as fines, penalties, and driver’s license suspension.
  • Future rate increases. Having had your policy cancelled indicates to other companies that you present a higher risk, so they’ll charge you higher premiums.

Luckily, however, most car insurance companies offer a variety of payment options to make the process of paying on time simpler.

Payment Types

The payment options you have will largely depend on which company you choose for your car insurance policy. Generally speaking, some common types of payment options include:

  • In-person payments.
  • Phone payment.
  • Online payment options.
  • Payment via mobile apps.
  • Automatic payment setup.

After you figure out what payment options are available to you, it is important to choose the one that is conducive to paying your bill on time. While this may vary from month-to-month, you should consider each option individually. For instance, if you find yourself forgetting to pay the bill, setting up automatic payments may be the best option for you.

Alternatively, if you prefer to manually submit payment, but are constantly on the go, then the mobile or phone payment option may be better suited for you.

Payment Intervals

Another great way to make sure you can pay your car insurance bills on time and with ease is by setting up your ideal payment schedule.

In general terms, the more you pay upfront, the more money you save in the long run. At the same time, it is important to stay true to your budget, which means electing to set up billing cycles on intervals that are complimentary to your lifestyle.

Common payment schedules include:

  • Monthly payments.
    • Pros:
      • This billing schedule allows you to pay one lower payment each month instead of a higher, less frequent payment.
      • This is a good option if you rarely have large sums to pay at once.
    • Cons:
      • There are more opportunities to miss payments with monthly installments.
      • You may end up paying more money than if you pay in full at one time.
  • Annual payments.
    • Pros.
      • Yearly billing can help you avoid additional charges like installment fees.
      • This is a viable option for teachers and other professionals that receive the majority of their income during certain parts of the year.
      • You can save money by paying in a lump sum, as many companies provide discounts for paying in full.
      • You can rest easy knowing you’ll be insured for a full year and will not have to worry about missing payments or paying late fees.
    • Cons:
      • This payment method takes a larger chunk of your budget at once, so you’ll need to make sure you’ve got the funds to handle it.
  • Quarterly payments.
    • Pros:
      • It allows you to control your budget by making only 4 payments per year.
    • Cons:
      • You might end up forgetting about your payment if you don’t pay each month.
  • Semi-annual payments.
    • Pros:
      • You only have to pay twice per year so the likelihood of forgetting is minimal.
      • Since you’re not paying the entire amount up-front, it can be easier on your budget.
    • Cons:
      • You might end up paying a little more than if you paid all at once for the full year.

Choosing the Right Method for You

When you consider all of the car insurance payment methods available to you, it all comes down to which is best for your lifestyle and budget. You should see which policies offer discounts as well.

This includes any discounts you may receive for setting up automatic payments, choosing paperless statements, and/or paying your annual insurance cost a year in advance.

Ultimately, you want to find a payment method for your auto insurance that creates a balance between meeting personal preferences and saving you the most money while staying true to your budget.

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As trusted advisors to thousands of businesses and individuals throughout the nation, Hill Usher’s professional team of agents, account managers, support technicians, and other personnel all make the customer experience at our agency unique and special. We represent many of the nation’s premier insurance companies, including:

Acuity, AIG, Allianz, American Liberty, AmTrust Insurance, Badger Mutual, CHUBB Group of Companies, CBIC, Copperpoint Mutual, EMC Insurance Group, Encompass, Fireman’s Fund, Foremost, Great American, Guard Insurance Group, Hanover, Hartford Financial Group, Liberty Mutual, Metlife Auto Home, Midwest Family Mutual, Nationwide, Progressive, Republic Indemnity, RLI, Safeco, Secura, Seneca, Sequoia, State Auto Financial Group, Travelers Property/Casualty, Union Standard/Berkley and United Fire Group.

Interested in starting a CAREER with the Hill Usher Team?

Please click here for more information about Hill Usher and to submit your information to us!

Hill Usher launches instant online rating platform for personal Automobile and Homeowners insurance coverage

We are pleased to offer individuals in Arizona the ability to obtain immediate premium quotations from multiple insurance carriers through our online pricing engine. Please click here to start your quotation today.

Hill Usher also now offers instant online rating AND BINDING for insurance coverage while you are traveling in Mexico!

Arizona’s ABC 15 News Features Richard B. Usher, Hill Usher Principal

Most insurance carriers rely on a consumer’s credit score when determining an insurance buyer’s final rate for home or auto insurance. Like claims history, moving violations, age, sex, marital status, zip code and other factors, a “credit score” is considered by many insurance companies to be a strong predictor of future losses. Is this practice of running one’s credit fair to the insurance consumer? Do you have to provide your social security information to an insurance agent in order to purchase coverage? Are their discriminatory concerns? Does every state permit credit scoring?

In August 2009. ABC 15 contacted Hill Usher’s Richard B. Usher to weigh in on the topic of credit scoring. Click HERE to view the story and video interview.

Focused on Workers’ Compensation

Workers Compensation costs are on the rise in Arizona. Average rates have increased 50% for some employers since 2004.

Hill Usher partners with business large and small by providing competitive Workers’ Compensation policies. View our recent success by clicking here .

Our team of Workers Compensation experts includes former insurance company executives, loss control examiners, claims adjusters, and policyholders.

Whether your firm pays $1,000 per year or $100,000 per year for this coverage, call on Hill Usher to reduce your costs year after year, by:

(1) Managing your claims, including subrogation recovery.

(2) Assisting you with your safety program, early return to work initiative, or on site training programs.

(3) Watching your Experience Modifier.

(4) Providing you with the most cost effective solution, among a variety of insurance carriers, year after year.

For more information, please contact us. Or complete a brief profile online .

Established in 1995, Hill Usher Insurance Surety has grown from a small construction-only insurance agency into a full service agency protecting individuals and businesses working and living across the United States. Over the last fifteen years, the agency’s attention to automation, a quality customer experience, comprehensive staff training programs, and our relationships with the nation’s finest insurance carriers have attracted new clients whose lives and business have grown along with the agency. As the firms Managing Member, Richard B. Usher oversees the operations of the entire agency in conjunction with other management personnel.

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