The APS billing cycle runs from the 28th through the 27th of every month. Monthly closeout and reconciliation begins on the 27th and ends with the mailing of month-end checks, typically 1-2 days later. If month-end funding via ACH is selected, funds are available in your bank account on the 3rd of the following month (or the next available banking day).

No. APS does not place a hold on any funds collected and remitted for month-end. In addition, APS offers 5 additional funding dates throughout each month in which funds are paid* as soon as 3 days after receipt.

*A small portion is held on optional advances offered during the month to cover commissions due, returned payments and normal bank availability restrictions. The retained amount will be remitted along with the month-end funding.

YES. APS offers a number of advance options in addition to the standard month-end remittance. Five "advance dates" are available on the following dates: 5th, 10th, 15th, 20th and 25th each month. Your month-end and up to 1 advance is provided at no charge. For only $10 per advance you can request additional advances. All funding options (month-end or advances) are set up when you first open your APS account and may be changed at any time with just a phone call.

The amount for an advance is calculated 3 days prior to that advance date. To cover returned payments, bank availability and APS commissions and/or fees, we pay you 80% of all funds deposited (not necessarily available) when we calculate your advance. Since advances are based on a percentage of the amount collected, they will vary from month to month. If you prefer, a set advance amount may be arranged once a suitable payment history has been established.

In the rare occasion that a month-end check is not received, please wait 7 to 10 business days before contacting your APS representative. In the event that the check is still not received, your APS representative will arrange to have another one sent. APS recommends funding via ACH for this very reason, in addition to improved cash flow.

Special advances (one time only, NOT recurring, NOT pre-scheduled) are available in an emergency. Due to the time sensitive nature of such a request and the higher bank/administrative processing costs, APS charges a $35 special advance fee.

APS offers both electronic and manual billing methods. Electronic methods include bank draft (EFT or Electronic Fund Transfer) and credit card (Visa, MasterCard, Discover, American Express). Manual methods include coupon books and billing statements - which include a place for a complimentary message to members. APS strongly recommends the use of electronic billing.

APS can bill your members monthly, annually or any monthly term in between. This could include every 2 months or every 7 months for example. Weekly billing will be introduced in early 2004.

APS has legal council thoroughly review all contracts. However, it is your responsibility to make sure any billing agreement you use to sign up members (whether APS or otherwise) is in full compliance with any applicable laws. Please consult with your attorney.

APS clients can utilize the APS website to make any of these changes (web training is available at not cost to all clients). While we encourage you to go online to make any changes, your assigned customer service team is available to assist you by calling our toll free hotline. EFT and credit card changes must be made prior to 5 business days of any EFT (bank draft) or credit card charge.

APS is pleased to offer dealers the ability to track all types of membership contracts, including paid-in-full and complimentary agreements. Through APS' state-of-the-art online billing portal, it's easy to enter contracts and track everything in one convenient place. There is no fee to enter paid-in-full or complimentary contracts online; however, APS will enter these contracts for you into the APS system at a nominal rate of $3 per contract. PLEASE NOTE: If you fax or mail these contracts to APS, please show the balance as zero with no payments due.

APS strongly discourages your acceptance of all payments at your facility. While we ask that you NOT accept payments on electronically billed accounts (EFT or credit card), you may accept payments on manually billed accounts (coupon or statement). Why do we discourage this practice? (1) When you outsource your billing to APS, you ask us to resolve potential customer disputes, make delinquency calls and enforce contractual obligations with members - we become the "bad guy" in the event of customer disputes. Conversely you are free to focus on teaching and mentoring members - you become the "good guy". Accepting direct payments can undermine our authority and yours. (2) APS cannot perform its job without timely and accurate payment information. We often do not receive direct payment information on time, resulting in unnecessary collection action, erroneous late fees billed to customers and wasted resources.

If you do accept a direct payment on a coupon or statement account, we ask that you report this to APS immediately. The easiest way to report a direct payment to APS is to enter it online at www.apsbilling.com. If you prefer, you may contact an APS customer service rep. A direct payment MUST be reported within 72 hours of receipt. This is extremely important to avoid APS expending time and resources servicing customers who are not delinquent. This avoids alienating customers and allows us to focus on members that need follow-up. For these reasons, APS may charge a $10 penalty if direct payments are not reported on a timely basis. PLEASE NOTE: Do NOT accept any direct payments on active accounts billed electronically (EFT or credit card).

APS works diligently to ensure your accounts are billed and serviced properly no matter how they pay. APS charges the same fee to process a direct payment as when we process a payment here.

A payment is considered returned when it cannot be processed for any reason. APS systems are intricately tied to state-of-the-art banking resources (including the Federal Reserve) that enable instantaneous reporting of invalid EFT information and the automatic processing of EFT returns. But whether a check bounces, an EFT comes back non-sufficient funds (NSF) or a credit card is declined (credit cards are automatically reprocessed 5 times), APS immediately initiates servicing activity. And as soon as APS is notified, you are too through timely email Alerts (sign-up today at www.apsbilling.com). Accounts are loaded into an advanced predictive dialer, called and routed to the APS customer service department upon contact. While letters are used if necessary, we have determined more costly servicing via phone is the very best method to achieve the results you expect. In the event APS cannot successfully process a replacement payment on an electronically billed account (via check, credit card or check-by-phone), statement billing will commence on that account - until such time that APS can secure new electronic billing information.

APS charges a $25 return fee to any member/customer whose payment is returned (or revoked) for any reason. The sole exception is if APS has been supplied invalid routing/account information for that customer. This fee is charged directly to the customer and retained by APS upon collection. If a credit card is declined repeatedly, that member may be charged a $15 processing fee.

APS has a full customer service department that services your delinquent accounts and performs requested follow-up as necessary. In much the same way a returned payment is dealt with, APS begins servicing delinquent accounts in a soon as 1 day after an account is identified as delinquent. This includes live phone calls, automated messages, delinquency letters and carefully crafted attorney letters as necessary. In the event an account is fully serviced and deemed "uncollectible," APS will ask your permission to refer this customer to a participating national collection agency. If referred to collections, you receive 65% of all principal paid. If not, the account is returned (or coded as default if no decision is received) at no cost and collection responsibilities returned to you. You are then free to pursue whatever action you deem appropriate.

APS offers unparalleled online services where you and your staff can review delinquent accounts in real time. Delinquency reports are available at month-end and of course your APS customer service team can always discuss detailed account activity upon request.

APS has a fully trained customer service staff available to handle these very situations. Depending on the contractual obligation, APS will enforce the terms of each customer agreement. Please direct cancellation requests directly to APS via our toll-free customer service hotline: 888-277-4409. PLEASE NOTE: Inform APS if you would like to handle account cancellations.

All reports are available 24 x 7 x 365 at www.apsbilling.com. View onscreen, download to Excel or even print labels. APS makes it easy to get up to the second information when you need it!

The APS online account entry system allows you to better track contracts by creating programs for each financial agreement. You can then group programs as necessary on most major online reports. Please contact our sales team with questions.

If there is ever a change of ownership in your business, please contact APS immediately. There is important paperwork that must be signed and received by APS in order to ensure a smooth transfer of your billing receivables to a new owner. PLEASE NOTE: Ownership changes will not be reflected in the billing cycle in which paperwork is properly submitted, but rather take affect in the following billing cycle. APS billing cycles typically run from the 28th through the 27th of the following month.

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Please visit our Contact Us page for information on how to contact APS