Biller Genie couldn't be easier to use or more practical. There is a direct API connection between Biller Genie and Xero and it works flawlessly in both directions. I enter my invoices in Xero and they are immediately e-mailed or mailed to the customer. From there, Biller Genie handles the credit card processing, ACH, and dunning. My customers get an online portal to see their payment history and everyone is happy. Highly recommended.