Billing Direct provides an automated billing and payment processing system for businesses through ChampionsWay. Key features include low processing rates for electronic payments, acceptance of multiple payment methods, automated billing and collections, and payment reminders. The service is registered under the business's own account and processes payments through various partners depending on location, taking 2-3 days for credit cards and 6-7 days for electronic transfers to post to accounts. Setting up the service takes approximately 2 weeks in the US or 4 weeks in Canada after submitting the required application forms.

1. BILLING DIRECT
ChampionsWay

2. Billing Direct
 Low Processing Rates: EFT payments and Credit Card payments are automatically
deposited into your business account with incredibly low processing rates of 14 cent
EFT's and 2.09% for classic Visa/MasterCard!
 Accept All Forms of Payment: Cash payments, EFT (Electronic Bank Transfers)
and Credit Cards can all be processed in the system or simply tracked if you process
using another method.
 Automated Billing: Students are billed automatically on their payment dates and the
funds are transferred to your account. Take partial payments or postpone a student’s
agreement easily when needed.
 Built-in Collections: Easily handle missed payments with automatic re-processing.
Students are politely alerted when payments have failed, both by email and when
they scan in for class.
 Auto-Reminders: Payment reminders allow students to update expired credit cards
or provide new EFT info before payments are due.
 Student Agreements: Easily load in your current student agreement terms, or use
one from our online community.

4. Rates
CANADA USA AUSTRALIA
EFT - Beanstream EFT - Payliance Billing Direct Rates:
$5 Set up fee $15 Monthly fee $25 Monthly Fee
$5 Monthly fee $0.14 per transaction +10% GST
$0.14 per transaction $5 N.S.F. fee
$25 Chargeback fee EFT Direct Debit Fees
$2.50 Return item fee $0.12 per transaction
CC - Beanstream $10 Monthly min fee
$80 Setup fee (One time)
$10 Monthly fee VISA/MC - E-Online / Plug-N- VISA/MC Secure Pay
$0.20 per transaction pay $0.12 per transaction
Rate: 2.95% Qualified Rate 2.09%
Non-Qualified Rate 3.49%
$10 Statement fee (E-Online)
$10 Gateway fee (Plug’n Pay)
$0.20 per transaction (1-200)
$0.25 per transaction (201+)
$25 Chargeback Dispute
AMEX
Transaction Rate (To Be
Negotiated)
$5 Monthly fee
$0.30 per transaction
DISCOVER CARD
Transaction Rate (To Be
Negotiated)
$25 Application fee (One time)
$10 Statement fee
$0.20 per transaction (1-200)

5. FAQ
 What is Billing Direct?
Billing Direct is a billing service provided through ChampionsWay. Billing Direct is real-time transaction processing
service which will enable you to process and manage your contacts tuition directly through the PerfectMIND
software.
What is the difference between a billing company and ChampionsWay Billing Direct?
A billing company will process and manage your billing for your business and charge you somewhere between 5-
10% of your sales. Billing Direct Merchant Services is a self maintained billing service; you can add, edit and
cancel your contacts billing with ease. Another benefit of Billing Direct is the minimal service fees (see FAQ –
“free” billing).
What does “free” billing mean?
Free billing means that now you don’t have to spend all of your money on a third party billing system. Now with
managing your own billing you have the luxury of minimal service fees for your billing, you will only incur the cost
of processing your contacts payments (see FAQ – Billing Direct Fees).
Whose account is Billing Direct registered under?
The billing account that we create for you is your own business account. After you submit your application form
we will activate your own billing account under your business name and when you bill your contacts, the billing
company name displayed on their account or credit card statement will be your business name.
What are the Gateways and Processors that ChampionsWay uses for EFT and Credit Cards accounts?
For the USA, we have an agreement with Payliance (processor) for EFT accounts and E-Online (processor) and
Plug n’ Pay (Gateway) for your Credit Card accounts. We also use VPS (processor) and Pay Trace (gateway) for
credit cards. (In the past we have used Alliance for EFT transactions in USA)
For Canadian accounts, we use Beanstream for both EFT and Credit Card accounts.

6. FAQ
 How long will it take for my Billing Direct to be active?
Once all forms have been completed and returned to ChampionsWay, your Billing Direct service should be active
within 2 weeks in United States and 4 weeks in Canada. (see Billing Direct Application Process).
How long will the process take to receive my funds?
Credit Card payments will take 2-3 business days to post to your bank account; EFT payments will take 6-7
business days to post to your bank account.
When will I be charged for the Billing Direct fees?
You will be charged on a monthly basis from the Internet Merchant Account Provider and the Gateway; these fees
will be automatically drafted from your bank or credit card account and you will receive a statement through email.
What are the Billing Direct fees?
See separate form Billing - Processor Information & Contact
What is an Internet Merchant Account?
An Internet Merchant Account is an exclusive account that is used to process and receive the funds of credit card
transactions via the internet. An Internet Merchant Account is not compatible with a Terminal Merchant Account.
What is a Gateway?
A gateway will validate and authenticate the transaction before routing the information to the merchant account
provider.
What is a Processor?
A processor will automatically withdraw all EFT payments directly from your contacts bank account and deposit
the funds directly into your bank account.
 Who are all our Processors?
USA: E-Online, Pay Alliance, VPS
Canada: Beanstream

7. Partners
CANADA USA AUSTRALIA
Beanstream Payliance (EFT) Secure Pay
TD Eonline (CC)
Plug N Pay (Gateway)
VPS (CC) OLDER COMPANY

8. Billing Approval Process
 ChampionsWay/PerfectMIND Provides the necessary forms
 Clients Submits the forms + required documentation
 ChampionsWay/PerfectMIND Billing Department Submits the info to
necessary companies
 5-7 business days later (USA) or 30 business days later (Canada)
clients receives approval which at that point they will be contacted
by ChampionsWay/PerfectMIND

9. Billing Applications
 Can be found at forms.championsway.com