I posted a thread a while ago about payments. Monthly - Bi-monthly and quarterly. Thanks for sharing your thoughts and ideas. One thing I forgot to mention about my full time customers on an equal payment plan is that I also have them pay by post dated cheques on the 1st or 15th of each month. I never send out an invoice to customers on an equal payment plan. I just send out invoices to customers who are not full time or pay as they go. The system works and my customers love it. I DO NOT DEMAND customers giving me 12 post dated cheques. I only suggest it . So far so good....always paid on time and less work for me. The equal payment plan is really a service aggreement over 12 months which they sign. Does anybody else have their customers pay by post dated cheques?