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The terms “push” and “pull” are now commonly referred to as online billing is being described, but what these terms actually mean in this context and it’s pros and one over the other?
A “push” based on-line billing process essentially means that the consumer is requested or warning directly with a full account, statement or other document that describes what has been purchased and what to pay. This is what is commonly called a “rich” document. For the most part, push-based on-line billing system is carried out as e-mail notifications with attached files (such as PDF, for example).
A “pull” based online billing method will still be consumer account is ready to pay but instead of including the rich document offers the consumer to go to a designated site where they can find lots the bill to see and then pay in digital form. Both E-mail and text messages can be used to simply point customers, but traders may elect to use off-line notification (letter, paper-based invoices, etc.) as well.
both push and pull models of online merchants billing offer the opportunity to reduce or eliminate paper bills over time but each has its advantages and disadvantages.
Pros and Cons or Push based on-line billing
Push based on-line billing has the advantage of using very common and familiar system that most businesses and consumers now use with relative ease -The email. The recipient addresses are unique and go straight into your inbox to read either immediately or at the open email systems. In addition emails now readily taken on mobile phones and other wireless devices, allowing for very fast delivery, flexible view and (in some cases) access to online payment.
Despite the above, there are a number of drawbacks with this push-based delivery model. They are:
* E-mail can be wrong or not reach the right recipient directly
* Many individuals and even organizations may have Inbox restrictions on the size of incoming emails. This will limit the ability to introduce bills (especially when the attachment is large in size).
* Staff turnover in companies and changes in addresses of society means that it is often difficult to ensure the complete integrity of e-mail addresses.
* Recipients can claim that they never received an email with an attached e-bill
* It is not always easy to identify copy invoices from the original accounts with push online billing.
* An attachment (eg PDF) is still only a piece of paper. Consumers can just print it and pay it online and / or merchant can not easily reconcile the data (which require you to enter data again).
advantages and disadvantages or Draw based on-line billing
The Pull-based online billing, email is equivalent to paper-based notification physically mail and simply serves to alert customers that account can be viewed and processing the given collection site (one biller’s own or third-party aggregator is). As the invoice completely digital, so click on the format, web 2.0 internet technology also makes it possible to distinguish between original and copy account. In addition, this fully digital format allows for very simple upload or transfer to the accounting system, thereby eliminating any requirement to enter data manually and greatly assist the reconciliation process. In addition, full digitization allows recipients to view their bill and make payments all online at the same site (which they can choose to do as soon as they arrive).
Just as with Push based online billing, are nonetheless a number of drawbacks with this type based delivery model. They are:
* Recipients may forget your username and their password to the collection site they are driving
* Recipients can not trust a web site that they are sending, or least feel nervous about safety available (especially as payments are concerned)
* Consumers may be confused with what is likely to be simplified bill or one that is approximately one they get in the mail, it is often similar but not the same.
* web accounts can not be very user-friendly (which leads to consumer abandonment)
So, in short, we can say that both the push and pull of -Line collection have many advantages worth considering, but also have a range of disadvantages that must be considered one-by-one in accordance with the needs of each merchant. In overall terms perhaps less onerous cons of “pull” side, and it is this process has followed the current option. However, as usual in the online world, choice and comfort are always the key issues, and it may well be offering both push and pull-based solution offers the best outcome of all (and most quickly achieve paperless system but many merchants may crave).
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