Brad Ewin
![Late payments benchmark: Small businesses](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/d35db316c130f1ce5c66cbe610d981a5/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
Where does your business stack up? Find out here.
![Small Business Cash Flow Management](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Learn all about the ins and outs of cash flow management and forecasting.
![ACH in Numbers: 106 Key Stats and Facts about ACH Payments](https://images.ctfassets.net/40w0m41bmydz/2dFUjLqjJeXfW3kzrZOcXc/c2d730e3def0edc0acf7983db94405d3/CDT-1227_ACH_Blog_post_image1601456351241.png?w=680&h=385&q=50&fm=png)
Billions of transactions. Trillions of dollars. All the key stats about ACH.
![TeamUp + GoCardless: Now available in the US, Canada, Australia & New Zealand](https://images.ctfassets.net/40w0m41bmydz/Zgh0rAnV3MR9va7aOuaAX/ee99fae53f9a83500c8f92f2ace71013/Gocardless-teamup-colour-2475x1400.jpg?w=680&h=385&fl=progressive&q=50&fm=jpg)
Fitness business owners in North America and ANZ can now make use of both apps.
![What is bank reconciliation and how to use it effectively](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/6f459d4bf82ba3bf286fc7770096379e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Want to know how to do bank reconciliation? Check out our guide.
![When, why & how to use proforma invoices](https://images.ctfassets.net/40w0m41bmydz/1dgCjlUjUUb2pgKEEPXXv6/00b8330741dc9b8bba90f910ea1e6f8e/proforma-invoices-thumbnail.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Learn if proforma invoices could help you reduce your admin.
![Recurring card payments: What you need to know](https://images.ctfassets.net/40w0m41bmydz/5in597ofzME9G892QUJiyo/09a9930c23cb4f0038cb308284b354b1/guides_images_post-thumbnails_cardpayments.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Everything you need to know about taking regular card payments from customers.
![Late payments: 5 tips to get your customers to pay on time](https://images.ctfassets.net/40w0m41bmydz/6cqPoZMABiVUMz622hCwmU/4de8009ff095f2afe18ae7b5af90bb85/guides_images_post-thumbnails_timing.jpg?w=317&h=187&fl=progressive&q=50&fm=jpg)
Here are 5 tips you can use to give your business the best chance.
![Why bank debit payments fail (and what to do about it)](https://images.ctfassets.net/40w0m41bmydz/61Q4170uYaEmKSsC0rnq6y/062f080e7925133aa00abfa6c5c2ca63/guides_images_post-thumbnails_failed-payments.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
There are two major reasons. We explore them here, as well as what you can do.
![Secure payments: How to safely take payments online](https://images.ctfassets.net/40w0m41bmydz/LwhNySC8nKU5R7FMw5LzN/33450b4b0b07de26d9bb8d21c1519e24/guides_images_post-thumbnails_feedback.jpg?w=634&h=374&fl=progressive&q=50&fm=jpg)
Customers need to be able to trust you with their payment info. Here's how.
![The small business guide to purchase orders](https://images.ctfassets.net/40w0m41bmydz/55qYsG1kjafPCOKwNn3NAx/e74740217b151238727fa17a44696d13/guide-to-purchase-orders-thumbnail.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Everything you need to know about purchase orders, plus a free template.
![Payment terms: An overview](https://images.ctfassets.net/40w0m41bmydz/4fnVfisijE0znkRFBBOBP2/8169b206d6e95e7781f5eae4b762ad1a/payment-terms-overview-hero.jpg?w=680&h=385&fl=progressive&q=50&fm=jpg)
Payment terms remove uncertainty around when you'll get paid, helping cash flow.
![What are the main online payment methods?](https://images.ctfassets.net/40w0m41bmydz/1aYFAZ0ab45unDKKLMzLgD/d386add60697ae895aa8f288a3abc212/guides_images_post-thumbnails_onlinepayments.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
You have two main options for taking recurring payments online. Learn more here.
![Customer Engagement Solutions for SaaS Companies](https://images.ctfassets.net/40w0m41bmydz/6xWIJ7Xp1Op74Tc6YycJuT/e1fd55d1161d5ea7516d983994c0d5cb/CDT-878_Organic_content_thumbnail_retention_04.png?w=680&h=384&q=50&fm=png)
Our top tips for building an effective customer engagement strategy.
![10 Customer Retention Strategies to Boost Customer Loyalty](https://images.ctfassets.net/40w0m41bmydz/5xFvgvKKPk8PUdxig1s530/da8fddbd3b722f4842a3271aa1d76e07/CDT-878_Organic_content_thumbnail_retention_03.png?w=680&h=384&q=50&fm=png)
Our top customer retention strategies to keep customers engaged with your brand.
![What is bank debit?](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/bd5d1c542730958ed8f5ad2cbc1c3ad3/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
Learn all about this umbrella term for various bank-to-bank payments schemes.
![How to get an Employer Identification Number (EIN)](https://images.ctfassets.net/40w0m41bmydz/18XFs12FhSe0Ou93BDNQqc/634c3d6c15f6f5a44cdc7902230624cb/CDT-878_Organic_content_thumbnail_starting_a_business_02.png?w=680&h=385&q=50&fm=png)
Everything you need to know about Federal Employer Identification Numbers.
![How to Do a SWOT Analysis](https://images.ctfassets.net/40w0m41bmydz/4uYvGO9GXJtqshi6BAZUZE/1282f19bdfb68b788ec60f28f9546b5a/CDT-878_Organic_content_thumbnail_entrepreneurship_02.png?w=680&h=384&q=50&fm=png)
Explore the importance of SWOT analyses with our definitive guide.
![Expanding into Europe: The changes you need to make to your payments](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/bd5d1c542730958ed8f5ad2cbc1c3ad3/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
You’re a US business and you want to expand into Europe. There are myriad boxes you need to check to make that happen, but there’s one crucial box that’s often overlooked because it’s not so sexy - payments.
![Payment preferences in the US: 2019 - 2020 snapshot](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/4a0fe12ce5b28095abb2e5d3fefc6742/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
How US businesses and consumers prefer to pay, and what it means for you.
![ACH: A guide to bank debit in the US](https://images.ctfassets.net/40w0m41bmydz/4P7mjkgJNic5FhX3RpCJZm/cac1164b47e0ceb2d69f8d5887ca2940/UK-02-ACH.png?w=680&h=905&q=50&fm=png)