Competitive servicing companies must be able to take payments from multiple payment channels such as the Internet, telephone, recurring automated debits, and check conversion.  These payments travel a variety of payment networks including the ACH, Credit card, Check21, and PayPal.  Each of these payment mechanisms has their own set of standards and rules for processing, as such, most payment companies provide service that focuses on a single payment type like pay by phone or payments over the Internet forcing companies that wish to offer robust and flexible payment options to rely on multiple vendors and systems to manage their cash collection process.