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![How much do the major UK banks charge for CHAPS?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/9f4fedddc55846d6e1c23e5d8b667eaf/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
Find out HSBC CHAPS fees, NatWest CHAPS fees, Barclays CHAPS fees, and more.
![How to chase an overdue invoice](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
See our overdue invoice letter template, right here.
![What are debt consolidation loans for bad credit?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Is debt consolidation a bad idea? Get the inside track with our guide.
![What is a Telegraphic Transfer (TT)?](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
Find out how telegraphic transfer works with our comprehensive guide.
![Receiving Online Payment Instalments](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/750bdce55c692c46118ba5a52373f2ff/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
Find out how to implement online payment instalments, right here.
![Pride Month: Becoming the ally I would like to have](https://images.ctfassets.net/40w0m41bmydz/1TyshjN8rJgnXFm3itmJhY/48c523148ec821c06c70dab8bc7399ce/CDT-1086_Pride_2020_PS_Max_Blog.jpg?w=680&h=383&fl=progressive&q=50&fm=jpg)
This week celebrating Pride month, we hear from Maxine from our Talent team.
![How Debt Collection Works for Small Businesses](https://images.ctfassets.net/40w0m41bmydz/3lv39jEAGZJMI63ml7KHgk/cc36ee1ff7b63344da8645adeb2e4372/CDT-878_Organic_content_thumbnail_cashflow_04.png?w=680&h=384&q=50&fm=png)
Explore debt collection in the UK with our guide for small businesses.
![How Does VAT Work for Small Businesses?](https://images.ctfassets.net/40w0m41bmydz/1NLhmytvQC8VTmhWbpymPB/156346e80f094efb9302fe4edf037db5/CDT-878_Organic_content_thumbnail_regulation_03.png?w=680&h=385&q=50&fm=png)
Check out our guide to VAT explained for small businesses, right here.
![GoCardless named a Leader in two G2 Grid® product ranking reports](https://images.ctfassets.net/40w0m41bmydz/hEVbbCSoa9aSG2AB0nOr6/013e820750e3defdf273c5fee9e2d2cb/CDT-1114_GoCardless_vs_G2_Summer_Leader_2475x14001593156922139.png?w=680&h=385&q=50&fm=png)
GoCardless included in 'Payment Processing’ & ‘Subscription Revenue Management’
![GST vs. VAT Tax: What’s the Difference?](https://images.ctfassets.net/40w0m41bmydz/6pBq1SuTPYcUGNWsZFFcKB/91e3bf2b16615bd9eecd73855311bef4/CDT-878_Organic_content_thumbnail_regulation_01.png?w=680&h=385&q=50&fm=png)
Explore GST and VAT differences with our helpful guide for UK businesses.
![Credit card charges for foreign currency transactions](https://images.ctfassets.net/40w0m41bmydz/3K9eAqBWCNPsoK0nbn84b8/b208443d27ea7ad5bc661b3f738875d1/CDT-878_Organic_content_thumbnail_Internationalisation_02.png?w=680&h=385&q=50&fm=png)
Explore credit card charges for foreign currency transactions, right here.
![How GoCardless helped us during COVID-19](https://images.ctfassets.net/40w0m41bmydz/49QkhtudaIBAzW1GTw3CYi/6e2517f4077bb03392453b630146bdf7/CDT-1106-Role-Models-blog-header-header.jpg?w=680&h=384&fl=progressive&q=50&fm=jpg)
Role Models guest writes this post about retaining clients during lockdown.
![What is bad debt?](https://images.ctfassets.net/40w0m41bmydz/1NLhmytvQC8VTmhWbpymPB/156346e80f094efb9302fe4edf037db5/CDT-878_Organic_content_thumbnail_regulation_03.png?w=680&h=385&q=50&fm=png)
Get a little more information on bad debt in accounting, right here.
![How to understand cash flow lending](https://images.ctfassets.net/40w0m41bmydz/7DLe4dghxeYE2jzXWA5FOG/42c5f1a58f97fd768c0646ee8df8d2b4/CDT-878_Organic_content_thumbnail_cashflow_03.png?w=680&h=384&q=50&fm=png)
![What is a risk-free interest rate?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/9621771dae28976cb9c7dfb246ad6d6b/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Risk-free interest rate is a theoretical return on an investment with zero risk.
![What is a retained earnings statement?](https://images.ctfassets.net/40w0m41bmydz/3XJ0eVbjLo6c3kbDmMklvy/d6ffbf37891528a5c6c3c0ec5afadf12/CDT-878_Organic_content_thumbnail_growth_01.png?w=680&h=385&q=50&fm=png)
Discover how to calculate retained earnings with our definitive guide.
![How to create an online payment system for small business](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/9f4fedddc55846d6e1c23e5d8b667eaf/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
Get more information about the different types of online payment system.
![Pride month: Recognising the power of being heard](https://images.ctfassets.net/40w0m41bmydz/6wmVo6ofImRQXmkgo9qq1/e2610c30276572b7f2330910c6d60fe7/CDT-1086_Pride_2020_PS_Vicky_Blog.jpg?w=680&h=383&fl=progressive&q=50&fm=jpg)
This week celebrating Pride month, we hear from Vicky, one of our engineers.
![What is the formula for return on capital employed (ROCE)?](https://images.ctfassets.net/40w0m41bmydz/2YEFkanHJwH4sE2GUT0yqi/e9e10dd2b73d81324bb513390803bb19/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=png)
Find out how to calculate return on capital employed (ROCE).
![What Is a UTR Number?](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
A UTR number is a unique 10-digit number used to identify taxpayers. Read on.
![Average Revenue Per User: Calculating and Interpreting ARPU](https://images.ctfassets.net/40w0m41bmydz/4MeE0LMPQd9WpaUMAr3Utc/45ccb4db4f710fd665aa89213ebb0ab0/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Does your business have a good average ARPU? Read on to find out.
![Online small business accounting and bookkeeping](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/de6a19da14248695818209a2bac9cc6e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Find out more about online bookkeeping for a small business.
![How Do I Pay My Self Assessment Tax Online?](https://images.ctfassets.net/40w0m41bmydz/12cSVPJMPdH6CNBWkVG1Q4/6e0339b75fad79bff5784afd24825da0/CDT-878_Organic_content_thumbnail_regulation_04.png?w=680&h=385&q=50&fm=png)
Find out how to make a Self Assessment tax return with our step-by-step guide.
![Operating Cash Flow vs. Free Cash Flow](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/97fdddc6dcb29082ef205e494cfed58f/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Is operating cash flow the same as free cash flow? Find out with our guide.