Payments
![How to Claim a Tax Refund](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/750bdce55c692c46118ba5a52373f2ff/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
Does HMRC owe you money? Here’s how to claim tax refunds.
![How to Calculate the Dividend Payout Ratio](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
The dividend payout ratio is a useful metric for any investor.
![Primary Account Number (PAN) Definition](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
Do you know what your PAN is? Learn more about the PAN card meaning.
![How Does a Postal Order Work?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/9f4fedddc55846d6e1c23e5d8b667eaf/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
What is a postal order, and how does it work? Find out more in our guide.
![Clearing House Definition and Examples](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/f04f57e3738e0ccb80efe19b16cb5aba/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Could a clearing house automated payment system help you?
![Understanding Transaction Costs](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
What are transaction costs, and how are they calculated?
![Benefits of Cash Accounting 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)
Cash basis accounting carries special advantages for small businesses.
![Ways to Make the Online Payment Process Easier](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/f04f57e3738e0ccb80efe19b16cb5aba/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Is your website optimised for easy online payments?
![The top 5 POS systems for your small business](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/750bdce55c692c46118ba5a52373f2ff/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
The top 5 point of sale system options for small businesses
![The best low-cost online payment systems in the UK](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
The top 5 low-cost payment gateways from Worldpay to PayPal
![A Customer Service Guide 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)
Discover how to improve customer service with our small business tips.
![5 reasons why your small business needs a CPA](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/f04f57e3738e0ccb80efe19b16cb5aba/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Why it’s always beneficial to have a certified public accountant in your company
![10 Ways to Reduce Business Costs](https://images.ctfassets.net/40w0m41bmydz/4DgVCZKwwwFL2NT1pKIv9w/cbd196c0084de3c425efaff27768d274/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Discover the best ways to reduce small business costs.
![Do BACS Payments Go In At Midnight?](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 when BACS payments are settled so as to better manage your cash flow.
![How Do I Reinstate A Direct Debit?](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/f04f57e3738e0ccb80efe19b16cb5aba/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Learn how to reinstate direct debits and ensure continuity of payment.
![How and why to set up a virtual terminal](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/750bdce55c692c46118ba5a52373f2ff/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
What is a virtual terminal exactly and how do you go about setting one up?
![Best Peer-to-Peer Payment Apps](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/f04f57e3738e0ccb80efe19b16cb5aba/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Discover the best peer-to-peer apps for sending and receiving funds.
![What Is a Payee?](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
Discover the payee meaning in monetary transactions with our guide.
![What Are Interchange Fees And How To Calculate Them](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 interchange fees impact your profit margins
![What Is Pro Rata and How Is it Calculated?](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/750bdce55c692c46118ba5a52373f2ff/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
Learn the meaning of pro rata and how it’s used in business.
![What does it mean to be paid in arrears?](https://images.ctfassets.net/40w0m41bmydz/7E7Fam33tCYE7tX0mevtaf/bf92651b5e4a52acb5d1fe19f26ba53c/CDT-878_Organic_content_thumbnail_payment_options_02.png?w=680&h=385&q=50&fm=png)
Learn the paid in arrears meaning and when it’s beneficial.
![How to set up a good debt payment plan](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/5d58e61cd1cf8b880ad1e09030a9e798/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
What is a debt payment plan and how can it help you clear debt more efficiently?