BillingTree is unique in both their services and their approach. A unique approach in that their model is to develop strategic alliances with service, software, billing, and telephony providers resulting in full integrations, which create seamless, compliant, and innovative payment solutions for the end user. Unique services in that they offer all aspects of electronic payment processing and unique payment channels including Credit Card, ACH, Paper Check Conversion, Cash Payments, Mobile Payments, Text Bill Presentment and Payment, e-Signature & Payment, EBPP, Virtual Agent/Debt Negotiator and Electronic Representation (RCK) from a single source. These simply smart payment solutions provide the peace of mind gained from implementing a compliant solution, and ease of use achieved through automation and integration.