This document discusses symptoms that indicate a company may have problems with its billing and payment processes. It identifies four main symptoms: 1) average interchange fees of 2.5% or higher, 2) inability to identify or quantify best customers, 3) important accounts not being centrally managed, and 4) little control over customers' sales experiences. Addressing these symptoms through a customized billing and payment solution can help decrease costs, standardize processes, improve the customer experience, and drive more revenue.