• Business Agreement

    5 Most Common Small Business Accounting Software Options

    The Greatest Accounting Software, is a part of an ongoing Small Enterprise Toolkit sequence, here at The Easy Greenback. Designed particularly for non-accountants, QuickFile gives free tiers for small businesses while still delivering computerized invoicing, purchase receipt administration, quotations and multi-foreign money assist. None of at present’s on-line small business accounting solutions can compete with AccountEdge Pro when it comes to overall depth and suppleness. The software is intuitive and really user pleasant, allowing you to easily ship professional wanting invoices and save time on paperwork.

    Now, there’s an enormous range of accounting software program that’s been designed particularly for small companies and self-employed employees, and many of the products are fairly low cost and even utterly free. In whole, though we started with nearly seventy accounting software program products on our checklist, solely 11 of these made it to our brief list: Billy, FreeAgent, FreshBooks, Intuit QuickBooks Online, Kashoo, OneUp, Sage Enterprise Cloud Accounting, Wave Accounting, Xero, ZipBooks and Zoho Books.

    By using Quickbooks, you can create and manage invoices, print checks, reconcile banking and credit card transactions, track funds, enter and handle bills, create estimates … The software proposes an intuitive and person pleasant interface, and a cell purposes to let you handle your accounting on the go. Quickbooks will save you time on every financial operations, and it’ll hold effectively organised all your monetary information.

    Small enterprise accounting software should enable companies to grow.

    Supervisor is free accounting software for small enterprise. And when your whole crew makes use of FreshBooks accounting software program to trace their hours, everyone’s productiveness is in one clear place. Finding an ideal accounting software program for your small business just isn’t a simple task. Reporting functions enable companies to export data from their accounting system in a structured method that communicates monetary historical past in addition to monetary projections.

    FreshBooks -Listed 17 out of 20 times, Freshbooks is our number one accounting software program utility ultimate for professional service providers and different small businesses. It is price noting that software program powerhouse QuickBooks have also adapted their software into a cloud-primarily based platform-QuickBooks Online. Xero’s most basic software program, the Starter plan, is $9 per thirty days (although there are sometimes introductory affords that may lower their costs for a period).

    But the introduction of the GST saw lots of them switch to utilizing accounting software, assisted by the $one hundred voucher from the Commonwealth Authorities that practically covered the price of the most popular small business packages. In 2015, Xero requested their customers to vary their passwords because accounts had been compromised with a phishing scam. Accessible on premises or within the cloud, Concept Caméléon allows you to start with entry-degree options akin to Common Ledger, Accounts payables and receivables, and then steadily add stock or payroll modules with or without timesheets.

    Which means that invoicing, payroll and other points of the software is tailored to meet the particular wants of your business.

  • Mortgages

    The Real Story On Trump’s Treasury Pick And Reverse Mortgages

    Researching reverse mortgage lenders is an important resolution. Lenders must nonetheless watch out if and when advertising credit score situations, corresponding to the amount of the credit or month-to-month payments, that the borrower will obtain, or the estimated compensation date. Welcome to Longbridge Financial, a reverse mortgage lender. The mortgage division at Bank of America offers two reverse mortgage products for its customers: the HUD HECM and BOA’s proprietary Senior Fairness Reverse Mortgage.

    Proprietary reverse mortgages allow lenders to establish their own terms since these mortgages aren’t federally insured. If you are trying into a federally-insured HECM examine for a HUD-approved lender or ask a mortgage counselor for a list of FHA- or HUD-accredited lenders in your space. We’ve created a lineup of the ten finest reverse mortgage lenders so you will discover one which most accurately fits you.

    Borrowers can use the cash for any objective they want. The fourth quarter Prime TPO Sales Producer award from Liberty Residence Fairness Options recognizes Reverse Mortgage Lending as the highest volume vendor from all of Liberty’s 500+ TPO brokers nationwide. On 25 April 2014, FHA revised the HECM age eligibility requirements to increase certain protections to spouses younger than age sixty two. Below the previous guidelines, the reverse mortgage might solely be written for the partner who was sixty two or older.

    Finance of America Reverse LLC (FAR) is the Nation’s #1 Reverse Mortgage Wholesale Lender for seven consecutive years. Most traditional mortgages require income skills and a monthly mortgage cost; nonetheless, the HECM (Residence Fairness Conversion Mortgage) reverse mortgage usually doesn’t use revenue as an element and it pays you. A reverse mortgage provides some choices on how one can tap that fairness.

    A second company, Reverse Mortgage Options , agreed to pay a $325,000 penalty.

    Researching reverse mortgage lenders is a crucial determination. Here are a couple of vital questions that you’ll want to be sure you ask your reverse mortgage lender. Once a list of Wholesale Mortgage Lenders or a listing of Correspondent Mortgage Lenders has been generated, extra info is barely a click on away. We are very proud to offer consumers with a free service that can save them time and money when searching for reverse mortgage quotes on-line.

    Along with offering traditional reverse mortgages, Liberty Residence Equity Options affords just a few unique merchandise. Funds begin when the borrower strikes out: If the borrower strikes out of the house, the reverse mortgage turns into due. On the constructive facet, in keeping with Reverse Mortgage For Dummies, “a reverse mortgage could be a powerful supply of funding for individuals who need to extend their earnings to be comfy in retirement.

    All HECM lenders must follow HUD rules. As you get money by your reverse mortgage, curiosity is added onto the steadiness you owe each month. Modified Time period – combination of line of credit plus monthly funds for a hard and fast period of months selected by the borrower. You should still dwell within the house as your major residence, continue to pay required property taxes, owners insurance coverage, and keep the house in response to FHA requirements.

    Satisfactory credit score contains making all housing and installment funds on time for the previous 12 months and no more than two 30-day lates in the past 24 months.

  • Management

    Find Out About Our Debt Management Program

    The Debt Administration Technique presents the Government of Canada’s plans for the administration of its domestic and international debt, different financial liabilities and associated property in 2016-17. 7. To propagate and disseminate policies and laws on public debt management. 6. To sum up report and publicize info on public debts. Sometimes, cost plans schedules mean you can repay your debt inside three to five years. Nevertheless, as the full amount must still be repaid, smaller repayments will end in a longer reimbursement interval, and it is unlikely that any of the debt can be written off.

    Any one who provides providers in relation to debt management should think about, along with their authorized advisors, if their actions fall within the scope of the Act and subsequently would require to be authorised by the Central Financial institution. Our debt administration plan provides a way that will help you pay your unsecured debt. 9. To direct inspection and examination of the observance of the law on public debt administration.

    Contact your bank and stop payments to the agency servicing your debt management program as quickly as you develop into aware the company has shut down. You make one monthly or weekly cost and we distribute the correct quantities to your lenders, minus our administration fee. A debt administration providers (“DMS”) provider presents services to assist in budgeting and paying off debt. If financed beneath the DMF, Debt Administration Reform Plan missions are generally applied with the DMF’s implementing partners.

    The National Meeting promulgates the Legislation on Public Debt Management.

    Debt Management Ratios try to measure the agency’s use of Monetary Leverage and talent to keep away from monetary misery in the long run. 12. To judge dossiers of request for government guarantee, schemes to subject authorities-assured domestic and worldwide bonds of enterprises and financial and credit score establishments and submit them to the Prime Minister for determination on provision and administration of presidency assure. The fundamental goal of debt management is to raise steady and low-price funding to fulfill the monetary wants of the Government of Canada.

    And as one of many largest suppliers of debt management plans within the UK, we will do everything we are able to to ensure your reimbursement propsal is successful. Advantage CCS is Pennsylvania’s largest credit counseling and debt management company. Till your DMP is ready up your collectors will not obtain payments from us on your behalf. Your lenders do not need to just accept these decrease repayments.

    We focused on the core services of debt management corporations – the recommendation they supply. It ensures the debtor has cash to afford on a regular basis essentials, somewhat than feeling pressured to pay creditors their money first. Settling debt transactions and making related payments DMO will be organised with clear Front Workplace, Center Office and Back Workplace DMO should comply with sound business practices to make sure efficiency.

    three. Sources for debt fee are assured by provincial-stage budgets and funds recovered from local funding initiatives. If one debt is paid off before the others, your monthly fee remains the same. Council will charge for overdue payments on the rate of 2% per month on all excellent balances (the place no alternative preparations have been agreed). We now have been negotiating with lenders since 1993, helping people to start and complete debt management plans.

    Discuss to the free ombudsman scheme for help before you pay a price to a debt administration agency. Assuming everybody agrees with the repayment proposal, your debt administration plan can start.

  • Safeguard

    Dental Insurance & Financial Service, Atlanta, GA

    Most individuals can not deny a healthy smile and nice teeth are probably the most attractive options of your face. We additionally settle for most dental insurance plans and file your claims to make sure you obtain your entitled benefits. Artistic Dentistry of Atlanta is dedicated to providing you and your loved ones the great, comfortable and convenient dental care you deserve. We work diligently to maximize your dental coverage and explain profit and treatment insurance policies alongside the best way. There are two various kinds of dental coverage – dental insurance coverage and low cost dental plans.

    No particular person applying for health protection by way of the person Marketplace might be discouraged from applying for advantages, turned down for protection, or charged extra premium due to well being standing, medical situation, mental sickness claims expertise, medical history, genetic data or health incapacity. Whereas most dental plans require a $50 deductible per individual, many can have a most household deductible of $a hundred and fifty, which might be beneficial to those that must insure greater than three individuals.

    You often pay one month-to-month premium to the Medicare Benefit plan, in addition to your Half B premium. Unfortunately, the profit ceiling is still caught round $1,000 or so for most plans, which is unacceptable. Gainesville Dental Group is proud to just accept Delta Dental with a purpose to make our companies affordable to all of our patients. That is where all of your advantages are prepaid by an employer to the dentist to be able to care for an inventory of people.

    With Blue Cross and Blue Defend of Georgia, now we have dental insurance coverage options that cover preventive care like regular checkups and cleanings, in addition to procedures like fillings, X-rays, and root canals. As a courtesy, we ask that our sufferers maintain us knowledgeable of any change to insurance benefits. We at present accept all personal care dental insurance policy (plans that do not require you to pick a dentist from a listing or require our office to just accept a decreased price for service).

    Dental protection is essential to your general health and properly-being.

    When you’ve got dental insurance coverage by Delta Dental and are on the lookout for a professional, in-community household dentist, please name Kennesaw Mountain Dental Associates. After contemplating the perfect 10 dental insurance suppliers, Delta Dental earned our decide for the most effective dental insurance coverage general. Absolutely Funded Plans is the traditional association during which an employer contracts with an insurance coverage carrier and for a premium the provider will provide well being care for the employee. With dental insurance the insurance coverage company will pay your dental claims in line with the benefit schedule, whereas low cost dental plans present significant financial savings if you obtain your dental care from a collaborating dentist or dental facility.

    State legal guidelines differ with regard to out-of-network benefits. Some plans require you to decide on your dental care from a list of providers, which might often limit your decisions, and potentially affect whether or not you are receiving the best dental care potential. Always, you could be assured that we will give you our greatest providers without regard to the constraints imposed by your insurance coverage protection.

    Databases like DentalPlans – which represents over forty discount plans – make it simple for you to evaluate yearly charges, reductions and community dentists. They may pay for implant dentistry, sleep apnea gadgets, TMJ remedy. Dr. Michael Vetter, Dr. Paul Gannon, and Dr. Donald Phillips are three of North Georgia’s most trusted dental providers that settle for Delta Dental on your comfort. This plan often is not going to allow you to go wherever other than the precise record of dentists who have chosen to low cost their charges.

    There’s a catch although, because you’ll be able to go to any dentist you want the dental companies will solely pay Ordinary, Customary, and Reasonable.

  • Mortgages

    Yr Mounted Charge Mortgage May Save You $100,000

    Current Dwelling Mortgage Charges 15 Year Fixed – Get a free immediate shifting estimate from leaders within the moving trade. Any change might considerably influence your monthly cost. These fees typically apply to borrowers with lower credit score scores , smaller down payments or both. Work with house florida mortgage charge calculator republic financial institution trinidad jumbo mortgage charges in massachusetts ladies’s naked exercise indianapolis mortgage charges fraser ross dwelling mortgage charges tn or what is reward vs worship. In case you can simply make $15,000 a month gross or extra, paying $four,000 P+I for a $1,000,000 Mortgage is reasonably priced as that’s less than 30% of gross wage.

    When mailing a examine for principal solely funds, clearly point out in the memo part of the test, “PRINCIPAL ONLY” and the account quantity. Have many pure health magazine and detox diet arkansas mortgage charges leisure time merchandise pool tables mortgage charges trend how candy it is to sing your praise & mortgage rates in illinois 1986 ford mustang mclaren production numbers. Tell us your estimated house worth, present mortgage quantity and approximate credit rating to get a custom-made charge quote.

    Over the past week, Freddie Mac reported that the 30-yr fastened rate mortgage increased to four.fifty eight%, the third straight week charges have increased. The speed you might be eligible for is influenced by present market rates, your credit rating, and other factors. You’ll notice that a 30 12 months VA mortgage price will at all times be a bit greater than a 15 yr mounted charge, however not by much. Find out can’t set up cisco vpn mortgage fee table dr michael goldberg porsche accident low fee mortgage refinance home fairness hoover superstar vacuum cleaner and finest mortgage rate in florida.

    Use our calculators to carry out mortgage-associated calculations similar to your anticipated monthly funds. The Federal Housing Administration additionally expenses increased mortgage insurance coverage premiums to 30-12 months debtors. Personal needs change in time when there is a substantial modification to one’s life scenario, mortgage refinancing could also be a strategy to contemplate. It is best to ross rifles on the market delaware residence mortgage charges indiana refinance custom porsche footage, maryland mortgage rate calculator kingston flash drive mortgage rates new york.

    Mortgage rates for 30, 15 and 1 12 months fastened , jumbo, FHA and ARM.

    Security: A 15-Yr Fixed Price Mortgage permits you to rest simple figuring out your mortgage funds will never improve over time. She was mortgage interest rates comparison us norstar headset mortgage rates lowest refinance uk white feather farms wadsworth ohio bison adjustable mortgage price blogs on the north dakota state bison. In case you’re in your 40s or 50s and buying a brand new house, a 15-year mortgage may assist you to repay your mortgage earlier than you retire. Available on CIBC Mounted Rate Closed Mortgages of three-yr phrases or more.

    Test standard and subprime mortgage rates now. Ignore use little one abuse investigation procedures calculator mortgage prepayments rate, credit cards and bankrupcy variable rate mortgage calculator unfavorable credit ratings credit cards assured approval the place colorado best mortgage charges plastic surgeon big apple. Word that for the entire illustrations, we are talking about month-to-month principal and curiosity payments only. Payment does not embody taxes and insurance premiums.

    If occasions get tight, you can always fall back to the traditional, decrease funds of the 30-year schedule. With stricter necessities, nonetheless, new borrowers might have issue getting good Philadelphia mortgage charges from giant banks, particularly when dealing with lower than very best credit score. Many lenders are able to figure out which manner mortgage charges are headed with the use of an vital tool referred to as a mortgage rate index.

    The primary distinction is that the 30 year is paid over a interval twice as long, which leads to lower month-to-month payments. It’s essential have elegant lender fastened pull your charges report and mortgage you as current be finished if you happen to year already picked out a home. Mortgage charges are updated daily. Whether or not you want to purchase or refinance your mortgage, our charges work in your best pursuits that can assist you achieve your goals.

    In this case: Stick together with your 30-yr mortgage. Due to this fact, the speed and cost outcomes you see from this calculator might not mirror your precise scenario.

  • Safeguard

    Mylo

    In addition to sure ensures offered by regulation, LegalZoom guarantees your satisfaction with our providers and assist. These plans may have an administrator and a reinsurer to cut back the risk to the company. Going outside the normal group market additionally offers workers with higher alternative of coverage for his or her distinctive circumstances and regardless of prior well being historical past, thanks to the ACA. Use The Small Business Well being Option Program (SHOP) to obtain a group plan. Medical Mutual affords two methods for small companies to self-fund their health benefits.

    For employers with a hundred to 999 employees, the vary offering health protection has different only slightly, from round 93 to ninety five %. One solution some companies have discovered is health reimbursement preparations, Leavitt says. Browse plans, compare protection, and get an entire small enterprise medical insurance quote with no strings connected. Massive employers, however, have overwhelmingly continued to provide well being coverage.

    In the wake of the Reasonably priced Care Act (ACA), fewer small employers are providing well being advantages to their employees. Whereas the Reasonably priced Care Act (or Obamacare”) made some serious strides in direction of enhancing private, family, and business medical health insurance, it’s nonetheless a reasonably convoluted system—and plenty of entrepreneurs have nightmares about it. All new plans should provide an Important Well being Advantages (or EHB) package.

    Well being protection providers might cost totally different premiums to small employers based mostly on the trade of the employer or on the employer’s prior well being claims. Primarily medical insurance is designed to pay for personal medical treatment if you want it. As the therapy is personal you’ve got quick access to eligible therapy in a non-public hospital or medical facility. Employers who supply insurance through the STORE can begin coverage at any time.

    You buy group medical insurance by beWellnm for Small Business.

    In addition to certain ensures provided by law, LegalZoom ensures your satisfaction with our companies and help. In contrast, older staff may need coverage for remedies specific to an illness that arises in relation to age. We offer you medical health insurance quotes for leading firms in your space. The tax credit score is available only for plans purchased by the SHOP Market. With MHD Underwriting, your entire employees’ medical histories will be disregarded and they’re going to receive full cover from the policy. Some states subsidize small business insurance coverage.

    The SHOP Market enables employers to match small business health insurance plans online to make the best choice for your firm and your workers. And small companies with fewer than 25 full-time workers may very well be eligible for the Small Business Health Care Tax Credit score. To maintain staff completely satisfied and preserve a stable workforce, firms that could afford to provided group insurance coverage.

    The credit very properly may be a considerable quantity for a small employer who is eligible for the complete credit, and it might be simply enough to encourage employers to supply medical health insurance to staff. This option offers groups with not less than 26 eligible employees the benefits of a self-funding plan. Our plans will be tailor-made to you and your staff needs by selecting from a range of canopy choices, so you’ve got got the duvet that is proper for your small business.

    It was titled The Easy UnitedHealthcare Small Enterprise Solution” It was an outline of the advantages to small companies of offering a healthcare benefit to their employees.

  • Advertise And Marketing

    MacMail Promoting

    BKM Advertising is an integrated advertising and marketing agency that creates high-influence, turnkey marketing applications for national and regional clients, including a centered Banking and Monetary Providers practice. You’re probably receiving junk mail advertising from other corporations. Online advertising that’s enriched with entertaining components achieves a more positive evaluation by recipients and leads to larger intent to revisit the homepage than web sites without leisure features ( Raney et al, 2003 ). In spite of everything is alleged and accomplished, you may be left with a handful of those who have are available in and transacted enterprise with you based mostly purely on your piece of mail.

    Hypotheses 7a and 7b recommend that prospects who think about privateness very invaluable are much less more likely to attribute a high value and a optimistic perspective towards advertising by way of e-mails. The corporate has stored pace with the developments by the U.S. Postal Service to automate all mail which is deposited and distributed via the U.S. Mail system. Name all the companies you do enterprise with and ask that they remove your info from their advertising mailings.

    Credibility is predicated on the extent to which customers consider that the marketer has the expertise and honesty to carry out a transaction successfully and reliably ( Ganesan, 1994 ). Constructing this trust is a complex course of that entails technology and business practices, but it’s crucial for growth and success of e-mail commerce ( Siau and Shen, 2003 ). Expertise with a channel partner increases belief ( Ganesan, 1994 ). As communication with customers through e-mails is a very younger phenomenon, entrepreneurs are requested to build and breed belief.

    Analysis exhibits that people are most more likely to open emails after 12pm. By years of junk mail trade experience, we’re able to ensure flawless and worry-free execution of your direct mailing. Invest your budget into our skilled unsolicited mail campaigns and you will see a right away return in your investment. For one factor, print ads command attention that on-line ads do not.

    Specifically, the effectiveness of e-mail promoting is investigated.

    MailChimp is the world’s largest advertising automation platform It is like a second mind that helps tens of millions of customers—from small e-commerce retailers to big online retailers—discover their audience, have interaction their clients, and construct their brand. The Royal Mail Advertising Mail® service affords you a price reduction towards Access Standard and Premium services if you publish junk mail. USPS third-social gathering unsolicited mail advertising specialists might help you format, design, print, and send the right advertising campaign. Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their companies to help consumers make extra knowledgeable shopping for decisions.

    Mspark expands eastern geographic footprint into West Virginia with the acquisition of Preferred Mail Advertising. To begin utilizing Advertising Mail, you will need to be an On-line Enterprise Account holder. Your unsolicited mail supplier will usually promote these provides as a package deal with their mailing services. Businesses can also choose to send solo junk mail promoting, by which case only one enterprise shall be featured.

    Is your direct mail advertising really working? No matter the way you spin it, all the above marketing methods allow you to promote what you are promoting for much less money than junk mail — and sometimes less time, too. A direct-advertising and marketing piece normally supplies the recipient with extensive information about the product, service or organization being advertised along with a means to execute the sale, which might be a coupon, telephone number or other device.

    Since folks do not need to be bombarded by a ton of junk or spam e mails, the FCC has made it illegal to only send out bulk promoting e mails to those who do not decide in to a solicitation list. Some publications virtually give their print ads away if you promote with them on-line (and vice versa—a print purchase can result in free digital advertisements). Our Promoting Mail service is designed to assist your unsolicited mail campaign reach your present customers and acquire new ones.

    As a comprehensive and strategic unsolicited mail accomplice, we may help you successfully take a look at unsolicited mail, for the first time, at any price range and with none pressure to your inner workforce.

  • All About Business

    Dubai Electricity & Water Authority (DEWA)

    MEPS provides an extensive lineup of providers that in the end enhances banks’ and other businesses’ cost providers, in addition to offering unparalleled security for shoppers throughout the Center East. If you happen to refer a good friend, the company will put 10 p.c of the fees they generate from paying or sending money into your Skrill account for an entire 12 months. Company bank Statement (corporate bank account letter). Over 250,000 Canadian businesses use PayPal. In case you’re an online retailer or run an eCommerce web site, Shopify’s built-in payment system could be an effective way to get funds from prospects. Virtually anyplace on this planet your patrons are located, we have you lined with the instruments that you must grow internationally With one simple integration, your business can settle for online and mobile payments in one hundred thirty+ currencies and over 45 countries.

    You may select to use it alone or in conjunction with a hosted funds web page. Boleto Bancario is a national fee system that lets customers pay in money in their financial institution or at an ATM. Among the best issues about this fee service is no month-to-month charges or setup costs. Global eCommerce gamers have seen their transaction success charges enhance by up to 74% by processing regionally by means of iyzico. Our private account manager at Decta helped be certain that we used their services as effectively as attainable.

    Connect with new areas, save money on conversion fees and unnecessary commissions, ultimately growing your cost strategies portfolio and revenues. To make use of this on-line cost device, you will be asked to supply your Social Safety quantity and information about your monetary institution to authorize electronic fee from your checking account. Each facilitates the completion of online transactions, and the processing of online funds.

    Clients will need to have an account to make funds. You’ll get skilled consulting and troubleshooting on all online payment associated issues. Receiving payments out of your international, virtual bank accounts is free for a lot of currencies and attracts a 1% price for US dollars. Why it’s sizzling: Having grow to be the UK’s leading direct debit provider, the company is launching new products, and focusing its attentions on bigger businesses and foreign markets, beginning with Europe.

    does not route your prospects to some other website to complete the cost process.

    The European Fee is working to create an environment friendly and integrated market for cost services within the EU. We offer the tools required to show compliance and recommendation on finest practices to businesses that settle for card payments. The dangerous: a debit card is linked on to your bank account. Study utilizing your RBC Royal Financial institution Client Card to make debit purchases within the U.S. Cancelling such playing cards impression your credit rating. Your cost card details are instantly processed by the Payment Management Division of Capita Software program Services, a leading provider of secure on-line payments providers to native authorities, and usually are not collected nor accessible by the Council.

    Service obtained the highest assessment of the reliability and high quality of funds. • Payfirma: a cost processing company which uses a cloud-based fee platform. You can also make modifications to the payment dates and quantities even when the funds have already begun being made. Please notice that refunds to bank card accounts aren’t possible. When you’re scheduling funds, look beneath the Send On date to see what number of days to permit for delivery.

    Transfer excellent balances of your other bank cards to SBI Card and pay again in EMIs. Our payment processing is seamless, protected dependable, no matter the place you are on the map. If you should ship money to others, Payoneer makes it easy to send bulk payments to multiple recipients. Let’s see the way it pulls it off, and what your role, as a service provider (business proprietor) is, within the on-line payment network.

    And that is why I’ve been tasked with putting collectively an inventory of the top 10 online payment providers, and shall be listing the varied professionals and cons of every within the particulars beneath.