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Let’s be honest, remembering to pay your recurring bills and expenses is not the most exciting task in the world. What if there was a way to automate your large business expense payments similar to the way your phone bill, Netflix or Spotify subscription are paid?

Automate bill pay with Reap Payment Schedule

Now with Reap, you can pay your recurring invoices -- rent, suppliers, utilities, salary, mortgage or any other expenses -- directly through your credit card automatically based on a schedule of your choice. This means a hands-free expense management process for you, a more predictable and consistent experience for your suppliers, and less work for everyone involved.

Advantages of automating expense payments

Recurring payments allows you to set and forget the numerous recurring transactions required to operate your business.

For you:

Convenience: By setting all of your expenses to be paid automatically, you do not have to juggle multiple invoices with varying due dates and payment terms. Once a payment schedule is set, you can forget it as your credit card will handle everything in the background.

Baked in payment terms: You would be able to use your credit card as a short-term financing solution in case of temporary cash shortage.

Insights and analytics: Knowing exactly when expense payments are made makes it easier to forecast future cash outflow leading to better business insights. If you’d like to better understand how you can use cash flow to manage your business, check out our blog and template for calculating cash flow.

Save the environment: Paper bills and writing checks have a severe negative impact on the environment. Digital payments would safe paper, trees and reduce your overall carbon footprint on the environment.

Save money: As a business, you’ll reduce the cost associated with paying for checks, stamps, envelopes and trips to the post office by paying your bills online.

Improve your credit score: You’ll reduce the number of late, missed or delinquent business payments and help boost your credit score so you are in a better position to access credit if needed.

Protect your identity: Credit cards offer far better protection for you compared to bank transfers or checks. You reduce the risk of identity theft when you no longer have to mail checks or mail paper statements. For example, if you see an unfamiliar transaction on your credit card statement, you can always raise a dispute with your bank.

Better notifications and alerts: With automated credit card payments, there are more channels to remind you of upcoming, completed or even cancelled payments.

For your suppliers and billers:

Save time: They’ll spend less time chasing you for late/delinquent payment and have more predictability on when they’ll get paid.

Consistent on-time payments: Establish better relationship, trust and stability in receiving payment for goods and services.

Payment schedules provide numerous advantages when managed appropriately: saving time for you and your suppliers, reducing late fees and most importantly giving you more headspace to focus on more high impact business objectives. Even if some of your monthly expenses are usage based and highly variable, you should think about how you can streamline a portion of your expense payment process -- you would be surprised how many of them are actually recurring in nature.


老實說,要記住到期日並定時定候去支付一些經常性賬單和進行繳費的確是頗費時失事。假如有方法可以將企業的大額開銷以自動化形式支付,就好像你繳付電話費、Netflix或Spotify的訂閱費一樣,你會怎樣選擇呢?

使用Reap支付時間表 付費從此自動化

現在透過Reap,你可以將每個月都收到的經常性發票-- 如租金、供應商費用、燈油火蠟、員工薪金,按揭或任何其他費用 – 直接用信用卡按你自行編定的時間表自動付費。這意味著你無需落手落腳去管理這些費用的支付流程,你的供應商亦可以在他們預算的時間內按時收取款項,每個牽涉在付費程序的人員從此工作量都可以大大減少。

支付費用自動化的優點

重覆的經常性賬項容讓你預先設定支付指示,無需再記住眾多定期賬單的交易細節都可以順暢地營運你的業務。

對你來說:

方便:將所有需要繳交的費用預設成自動支付的管理模式,你便無需再糾纏於眾多的發票之中,浪費時間去記住它們不同的到期付款日和付費條款。當你預設好你的支付時間表,你就可以將賬單拋諸腦後,因為你的信用卡會在背後代勞,助你按時完成所有支付指示。

暫緩付款煩惱:你可以使用信用卡在資金緊絀的時候作為短期周轉之用。

啟發你計畫未來和分析現況:當你更準確了解支付各樣費用的時間,你就更容易估算於何時現金會流出作支付用途,更有利你去計劃業務的發展。如果你想進一步了解如何運用現金流去管理你的企業,請查看我們的博客和計算現金流的範本。

環保:書面形式的賬單和實體支票都會用到大量紙張,對環境造成負面影響。電子支付形式可以節省用紙、減少砍伐樹木並減少你周遭的總碳排方量。

節省金錢:作為一家企業,你可以因為透過網上繳付賬項的形式,從而節省開支票、買郵票、信封和去郵局的時間和金錢了。

改善你的信貸評級:在處理企業需支付的賬項時,你將減少延遲、遺漏或欠款的情況,這將有助提高你的信用評級,在你需要借貸時有更好的信貸紀錄。

保護您的個人資料:與銀行轉賬或支票相比,信用卡可為你提供更好的保障。當你無需郵寄支票或郵寄實體月結單時你的個人資料被盜用的風險亦會隨之降低。例如︰如果你在信用卡月結單上看到不尋常的交易紀錄,你大可以隨時向銀行提出反駁

更好的通知和警報:通過信用卡作自動支付,將有多個渠道可以提醒你即將到期、已完成甚至已取消的付款賬項,一目了然。

對你的供應商和收款人來說:

省時:他們無需再經常花時間去催促你追繳遲交/逾期款項,並且他們會掌握清楚何時能收到款項,更安心和有信心。

持續按時收款:與收款人建立更好的關係、信任並且令雙方在買賣或提供服務時,生意更趨穩定。

適當地管理你的支付時間表會為你帶來若干好處:首先是為你和你的供應商節省時間,減少因逾期付款而洐生的罰款,更重要的是令你思緒更加清晰,可以將心力專注於發展業務。即使有些費用是按你的用量收費,每個月徵收的金額都不一樣,你也可以先考慮簡化一部分的支付流程- 你會驚訝地發現許多費用實際上是經常性的開銷,可以輕鬆以支付時間表好好管理。

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