Major changes in the marketplace are impacting the ability of businesses to get paid including: -US Postal Service is increasing rates and cutting services -Businesses and consumers alike depend on mobile devices and computers for communications and business transactions -Bill recipients have more demanding expectations vendors These changes don't have to be challenges for 21st century businesses - they can be invaluable opportunities! Key topics covered include: -Best practices to turn market changes into advantages -The role of consolidated billing -How to leverage trends to speed cash flow and apply payments with increased efficiency

1. Top Trends to Follow in Billing
Mitch Rose
VP Marketing and Billing Strategy
Steve Dubner
Senior Director of eBilling
Improving Your Billing. Improving Your Business.

2. Follow Along
Want to Tweet, LinkedIn, or Facebook update
along?
#TransformYourBilling
Improving Your Billing. Improving Your Business. @_Billtrust

3. Bill Payment Trends: Shifts in Payor Behavior
• For nearly every business, the
act of collecting, processing and
applying payments from
customers is actually quite
complex.
• Customers can mail a
check, phone in a credit card
number, pay in person with
cash, directly debit a bank
account, pay online and more.
Improving Your Billing. Improving Your Business.

4. High Impact Trends
Changing Customer
Expectations
Growing Role of Online
USPS Struggles
Improving Your Billing. Improving Your Business.

5. What is meant by paperless billing?
What are the key elements of electronic channels?
What are effective approaches to migrating bill
recipients to electronic channels?
Improving Your Billing. Improving Your Business.

6. What Is Meant By Paperless Billing?
Other
• EDI
• AP Networks
Email Fax
Paper & postage disappear
Biller Direct Consolidated
Improving Your Billing. Improving Your Business.

7. Paperless Billing Trend
Improving Your Billing. Improving Your Business.

8. eBilling Trends
e-Adoption Trend by Vertical
50.0%
45.0%
40.0%
35.0%
30.0%
e-Adoption
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
Building Supply Electrical Industrial/Other Plumbing/HVAC Manufacturing
1Q 08 23.4% 23.0% 15.8% 24.1% 17.8%
1Q 09 25.4% 29.1% 20.6% 28.8% 25.1%
1Q 10 28.9% 37.1% 26.7% 35.6% 31.7%
1Q 11 33.2% 39.0% 32.4% 39.7% 39.0%
1Q 12 36.4% 43.4% 34.8% 42.5% 46.2%
Improving Your Billing. Improving Your Business.

9. Paper Suppression Varies by Vertical
Improving Your Billing. Improving Your Business.

10. What is meant by paperless billing?
What are the key elements of electronic channels?
What are effective approaches to migrating bill
recipients to electronic channels?
Improving Your Billing. Improving Your Business.

11. Payments Overview
Customers can pay you through a variety of Direct
Channels
• Paper Check
• Biller Web Site (EIPP)
• Over the Phone
• In Person
Improving Your Billing. Improving Your Business.

12. Payments Overview
…And Customers want to make payments through a
variety of Third Party Channels
• Bank Web Sites
• Mail and Payment
Consolidators
• Quicken®, QuickBooks®,
Microsoft® Money
Improving Your Billing. Improving Your Business.

13. There are several services that aggregate bills
for consumers, and a growing focus on
aggregating for B2B
Consumer Consolidators Small/Mid-Size Business Consolidators
Improving Your Billing. Improving Your Business.

14. Key Electronic Channels: Biller Direct
Improving Your Billing. Improving Your Business.

15. Key Electronic Channels: Consolidated
Improving Your Billing. Improving Your Business.

16. Changing Landscape
More and more small business are accessing
multiple Invoice Gateway sites.
Improving Your Billing. Improving Your Business. 16

17. Upward Trends for Consolidation
Improving Your Billing. Improving Your Business.

18. What is Invoice Central?
► It is a convenient, “one-stop-
shopping” site for multiple
Vendors’ invoices
► View Invoices and Statements
► Easily Pay Invoices
► An open system
► Mandatory Paper Suppression
► ACH payments
Improving Your Billing. Improving Your Business.

19. What is meant by paperless billing?
Can there be some “paper” in paperless?
What are the key elements of electronic channels
What are effective approaches to migrating bill
recipients to electronic channels?
Improving Your Billing. Improving Your Business.

20. Triple-Play Impact
$
…average savings by converting
70% to eBill from paper delivery
…increase in overall level of
17% satisfaction with biller**
…trees saved if 20% more people
1.8M switch to eBill
** Billtrust proprietary billing research 2007 through 2010
Improving Your Billing. Improving Your Business.

21. e-Adoption Messaging
Reduce Paper Clutter Save Time Efficient AP Process
Go Green Convenience - Online
Promotional Offer
Improving Your Billing. Improving Your Business.

22. Convenience is Key!
Improving Your Billing. Improving Your Business.

23. Who is Billtrust?
►Billtrust is a leading Billing Service Provider
►Technology Based
►End to End Billing Solution
►800+ Customers
►99% Annual Customer Retention
►PCI Level 1 Certified, SSAE 16 Audited
Improving Your Billing. Improving Your Business.

24. Questions?
Mitch Rose
mrose@billtrust.com
609-235-0822
Steve Dubner
sdubner@billtrust.com
609-235-0795
Improving Your Billing. Improving Your Business.