Payment process cost reductions of 80% from traditional check printing. Removal of paper-based, error prone internal check production for targeted suppliers. Payments can be delivered at any quantity, at any time throughout the year. Utilizes a client's in-house accounting software. A complete dollar disbursement audit trail is established for every transaction. Related employee resources can focus on core business processes. Improved payment delivery time of 24-48 hours versus 3-7 days. Optimum supplier discount management. Fewer late penalties. No external payment delivery intrusions due to weather or people resource availability. Limited exposure to lost or stolen payments. Commercial grade remittance capability for all disbursements. ACH payments can be implemented with little or no use of client's IT resources. Provides an important environmentally "friendly" alternative to paper checks.