Latest articles
![Defining Expense Ratio](https://images.ctfassets.net/40w0m41bmydz/3XJ0eVbjLo6c3kbDmMklvy/dbd96eefa4895595d05c3157d4d1704b/CDT-878_Organic_content_thumbnail_growth_01.png?w=680&h=385&q=50&fm=png)
Expense ratio represents the percentage of funds spent on operating fees.
![Benefits of Automatic Payments for SMBs](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/c7c603fc8617bd1196c127610ba2998c/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
Automatic payments make life easier for both company and client.
![How to Create a Predictable Cash Flow](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/477fa4933b4d468e63fdd2932ccfecec/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Create a predictable cash flow by minimizing outgoings and maximizing sales.
![[Webinar] Mastering Payments: How Re-Leased are saving $10,000 a month in bank fees through automation](https://images.ctfassets.net/40w0m41bmydz/4008HuBlo3Pl4O3IXsu132/7b779a58a6f37d29067b7e3795e7e529/MP02-Landing_page-Thumbnail_2560x1440.png?w=680&h=383&q=50&fm=png)
Hear how Re-Leased automated their payments process, reduced their DSO by 15 days and are now saving $10,000 a month in bank fees.
![[Webinar] Mastering Payments: Scale your Payments like a Cloud Native](https://images.ctfassets.net/40w0m41bmydz/2bpPIJYTvSW4Zr5DaPJv03/a2220fc1fee68a6f31cd357b241253f1/MP03-Landing_page-Thumbnail_2560x1440.png?w=680&h=383&q=50&fm=png)
Hear from Chargebee, Cuckoo and GoCardless about 
how they’ve leveraged cloud-based payments to scale and grow 
their businesses.
![What is a Smart Card?](https://images.ctfassets.net/40w0m41bmydz/4sDAgjBSEahHj35o4EwVmk/937f36ee26827fdfbf8f134c6c86c311/CDT-878_Organic_content_thumbnail_payment_options_03.png?w=680&h=385&q=50&fm=png)
Smart card reader software facilitates wireless payment processing.
![What Is a Cash Flow Budget?](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Learn how to do a cash flow budget and why it’s important for your business.
![What Is Quote to Cash?](https://images.ctfassets.net/40w0m41bmydz/16nDXyBvzsLH5oKYHAxdJI/3f315ba1dff99db26e490e5abfb46040/CDT-878_Organic_content_thumbnail_starting_a_business_03.png?w=680&h=385&q=50&fm=png)
What does the quote to cash process involve? Here’s what to know.
![Average Payment Terms by Industry](https://images.ctfassets.net/40w0m41bmydz/6WHe3j1iavLSRCjpQbJDWW/52bbeee7715930b5bd2c3b11a931680b/CDT-878_Organic_content_thumbnail_payment_options_01.png?w=680&h=385&q=50&fm=png)
Find out how payment terms work according to industry standards.
![Best Management Style for Small Businesses](https://images.ctfassets.net/40w0m41bmydz/6J9KrCbzMryjMmx8VOccbY/24c4924013b5c8b2067071409c2f1e69/CDT-878_Organic_content_thumbnail_starting_a_business_04.png?w=680&h=385&q=50&fm=png)
Which small business management style is right for you?
![Where To Find Public And Private Small Business Funding](https://images.ctfassets.net/40w0m41bmydz/4DgVCZKwwwFL2NT1pKIv9w/02fee868eaa2d8f393175170ed461ddf/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
How to source public and private small business funding
![The Best CMS Platforms for Startups](https://images.ctfassets.net/40w0m41bmydz/3XJ0eVbjLo6c3kbDmMklvy/dbd96eefa4895595d05c3157d4d1704b/CDT-878_Organic_content_thumbnail_growth_01.png?w=680&h=385&q=50&fm=png)
The best CMS for startups are easy to use and flexible.
![Ecommerce Checkout Best Practices](https://images.ctfassets.net/40w0m41bmydz/MPK8UClmwoBy0gGxj670A/6b93da3ab28bcfb721dbb85dcdf8cada/CDT-878_Organic_content_thumbnail_growth_03.png?w=680&h=385&q=50&fm=png)
The best ecommerce checkout process should be intuitive for customers.
![Subscription Payments](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/4a0fe12ce5b28095abb2e5d3fefc6742/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
![Top Payment Gateways in the US](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/c7c603fc8617bd1196c127610ba2998c/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
Find the best payment gateway for your business with our guide.
![The Future of Money: A World Without Cash](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/d35db316c130f1ce5c66cbe610d981a5/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
What is a cashless society and what are its pros and cons?
![What are Account-to-Account payments?](https://images.ctfassets.net/40w0m41bmydz/2BKoPI6uV51bLd26c0onQa/95028be5b8d27c819f6ad61b85de6a03/BDT-1618-A2A_Payments_Guide-Blog_Hero.jpg?w=680&h=286&fl=progressive&q=50&fm=jpg)
Learn everything you need to know about account-to-account payments
![Fastest Way to Transfer Money Between Banks](https://images.ctfassets.net/40w0m41bmydz/6WHe3j1iavLSRCjpQbJDWW/52bbeee7715930b5bd2c3b11a931680b/CDT-878_Organic_content_thumbnail_payment_options_01.png?w=680&h=385&q=50&fm=png)
What’s the fastest way to transfer money between banks? Find out more.
![Invoice vs Bill: What’s the Difference?](https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=png)
Do you know the difference between a bill of sale vs invoice?
![How to Request Payment for Past Due Invoices](https://images.ctfassets.net/40w0m41bmydz/1Dy5NMHGzJSefbW3T9tATF/e44a70a0cc8e2229bec6d3150cf4298a/CDT-878_Organic_content_thumbnail_accounting_03.png?w=680&h=384&q=50&fm=png)
Learn how to follow up on a past due invoice with GoCardless.
![Why Are Subscription Services So Popular?](https://images.ctfassets.net/40w0m41bmydz/29QbOHiWf7BmGT4qi7Q9as/f2c201dbcea29392fa7c98cf52d781b4/CDT-878_Organic_content_thumbnail_subscription_03.png?w=680&h=384&q=50&fm=png)
Get the lowdown on the rise of subscription services with GoCardless.
![How to Run a Subscription-Based Business](https://images.ctfassets.net/40w0m41bmydz/3T9825YI6ex1vE6pEiJusS/9df87cceef53776aa78c664d442b786d/CDT-878_Organic_content_thumbnail_subscription_01.png?w=680&h=384&q=50&fm=png)
SBBs focus on customer retention over customer acquisition.
![Millennials and Gen Z Will Lead the Switch From Traditional Banks to Peer-to-Peer and Social Media App Payments](https://images.ctfassets.net/40w0m41bmydz/6y5vRpCj9feXQjCZVyzRRn/cae42212c35ffd4a4728dcdc9287ea65/CDT-1375_Blog_Image_Hero.jpg?w=680&h=286&fl=progressive&q=50&fm=jpg)
Americans ditch traditional banks for peer-to-peer and social media payments
![5 ways to optimize your payments strategy in the cloud](https://images.ctfassets.net/40w0m41bmydz/2FoEMEeNcMkCsu2eT8ELCT/5e6810c7bdfaab99b9c2d0b77af8bf38/BDT-1603_5-ways-to-optimise-payments-in-the-cloud-Thumbnail-001.jpg?w=680&h=385&fl=progressive&q=50&fm=jpg)
Find out how to harness the power of the cloud and optimize your payments