🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 171 (from laksa142)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa171.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://smartar.com/bips-and-pips/\')), getAhrefsUnparsedNoserviceFromURL(\'https://smartar.com/bips-and-pips/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/smartar.com\/bips-and-pips\/","crawl_time":1775668215,"first_indexed_time":1666220039,"http_code":200,"src_unparsed":"com,smartar!\/bips-and-pips\/ s443","src_root_hash":"13327718709949197571","history_drop_reason":null,"meta_title":"PIPs vs BIPs Professional Service Firms - smartAR","meta_descriptions":["PIPs and BIPs are payment models that are frequently used in professional service firms. A PIP is a “Payer Initiated Payment” – debtor model, and a BIP is a “Biller Initiated Payment” – debtor model."],"attrs_boilerpipe_text":"BIP's and PIP's Professional Service Firms\nPIP’s and BIP’s are models that are used in professional service firms. A PIP is a “\nPayer\nInitiated Payment” – credit management model, and a BIP is a  “\nBiller\nInitiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations. \nBook A Free Consultation\nChanging From A PIP To A BIP Model\nA firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment.\nDoes this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like:\n• “We didn’t get the invoice, can you send it again please”; or\n• “The owner is away on holiday, they will pay on return”; or\n• “We are waiting for a big customer to pay us – can we push this out to next month?”\nThese are common excuses heard by firms still using a PIP credit management model.\nSituations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning.\nThe downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you!\nDebtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it.\nsmartAR are here to help your firm make this transition and achieve reliable and predictable cash flow.\nsmartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model.\nIn this recorded webinar Dave Birch explains PIP’s and BIP’s\nEach year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model.\nFirms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model?\nJoin Dave Birch as he explores this model and the advantages a “BIP” firm has.\nWhy smartAR?\nThere are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling:\n• Improving accounts receivable cash flow for professional firms is our focus and sandpit.\n• smartAR has similar clients with similar problems, meaning this is not new territory for us.\n• Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution.\n• Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project.\n• Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution.\nHave other questions about PIPs and BIPs?\nIf you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists.","attrs_markdown":"[Skip to main content](https:\/\/smartar.com\/bips-and-pips\/#ajax-content-wrap)\n\n[Close Search](https:\/\/smartar.com\/bips-and-pips\/)\n\n[![smartAR](https:\/\/smartar.com\/wp-content\/uploads\/2021\/05\/smartAR_RGB_Logo_Full-Colour-Horiz.svg)](https:\/\/smartar.com\/)\n\n[Menu](https:\/\/smartar.com\/bips-and-pips\/#sidewidgetarea)\n\n- [Contact](https:\/\/smartar.com\/contact\/)\n- [Fund a Bill](https:\/\/smartar.com\/fund-a-bill\/)\n- [Solutions](https:\/\/smartar.com\/smartar-business-cash-flow-solutions\/)\n- [Login](https:\/\/smartar.com\/logins\/smartar-login\/)\n  - [Fee Funding AUSTRALIA](https:\/\/feesmart.smartar.com\/menu\/#\/feelink\/login)\n  - [Fee Funding NEW ZEALAND](https:\/\/feesmart.smartar.com\/menu\/#\/feesmart\/login)\n  - [Payment Page Admin](https:\/\/secure.smartpaymentpage.com\/login.aspx?ReturnUrl=%2Fadmin%2F)\n  - [Virtual Ledger Mgmt Admin (SARA)](https:\/\/system.getsmart.co.nz\/login.aspx?ReturnUrl=%2Fsite%2F)\n\n- [Contact](https:\/\/smartar.com\/contact\/)\n- [Fund a Bill](https:\/\/smartar.com\/fund-a-bill\/)\n- [Solutions](https:\/\/smartar.com\/smartar-business-cash-flow-solutions\/)\n- [Login](https:\/\/smartar.com\/logins\/smartar-login\/)\n  - [Fee Funding AUSTRALIA](https:\/\/feesmart.smartar.com\/menu\/#\/feelink\/login)\n  - [Fee Funding NEW ZEALAND](https:\/\/feesmart.smartar.com\/menu\/#\/feesmart\/login)\n  - [Payment Page Admin](https:\/\/secure.smartpaymentpage.com\/login.aspx?ReturnUrl=%2Fadmin%2F)\n  - [Virtual Ledger Mgmt Admin (SARA)](https:\/\/system.getsmart.co.nz\/login.aspx?ReturnUrl=%2Fsite%2F)\n\n# BIP's and PIP's Professional Service Firms\nPIP’s and BIP’s are models that are used in professional service firms. A PIP is a “**Payer** Initiated Payment” – credit management model, and a BIP is a “**Biller** Initiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations.\n\n[Book A Free Consultation](https:\/\/smartar.com\/strategy-call\/)\n\n## Changing From A PIP To A BIP Model\nA firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment.\n\nDoes this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like:\n\n• “We didn’t get the invoice, can you send it again please”; or  \n • “The owner is away on holiday, they will pay on return”; or  \n • “We are waiting for a big customer to pay us – can we push this out to next month?”\n\nThese are common excuses heard by firms still using a PIP credit management model.\n\nSituations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning.\n\nThe downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you\\!\n\nDebtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it.\n\nsmartAR are here to help your firm make this transition and achieve reliable and predictable cash flow.\n\n### smartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model.\n![PIPs & BIPs Infographic](data:image\/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%203213%202457'%2F%3E)\n\n[Book A Free Consultation](https:\/\/smartar.com\/strategy-call\/)\n\n### In this recorded webinar Dave Birch explains PIP’s and BIP’s\nEach year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model.\n\nFirms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model?\n\nJoin Dave Birch as he explores this model and the advantages a “BIP” firm has.\n\n## Why smartAR?\nThere are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling:\n\n• Improving accounts receivable cash flow for professional firms is our focus and sandpit.  \n • smartAR has similar clients with similar problems, meaning this is not new territory for us.  \n • Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution.  \n • Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project.  \n • Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution.\n\n## Have other questions about PIPs and BIPs?\nIf you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists.\n\n[Contact us](https:\/\/smartar.com\/contact)\n\n[![smartAR Footer Logo](data:image\/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20771%20364'%2F%3E)](https:\/\/smartar.com\/)\n\n- [Home](https:\/\/smartar.com\/)\n- [Solutions](https:\/\/smartar.com\/smartar-business-cash-flow-solutions\/)\n- [Fund a Bill](https:\/\/smartar.com\/fund-a-bill\/)\n- [Finance Clients](https:\/\/smartar.com\/services\/fee-funding-direct\/)\n- [About us](https:\/\/smartar.com\/about-us\/)\n- [Blog](https:\/\/smartar.com\/blog-categories\/)\n- [Case Studies](https:\/\/smartar.com\/case-studies\/)\n- [Cash Flow Calculator](https:\/\/smartar.com\/cash-calculator\/)\n- [Contact](https:\/\/smartar.com\/contact\/)\n\n#### Australia\n[1800 831 410](<tel:1800 831 410>)\n\n[\\[email protected\\]](https:\/\/smartar.com\/cdn-cgi\/l\/email-protection#355d5059595a75465854474154471b565a58)\n\n[Level 25, 100 Mount Street  North Sydney NSW 2060](https:\/\/www.google.com\/maps\/place\/Level+32%2F101+Miller+St,+North+Sydney+NSW+2060,+Australia\/@-33.8397313,151.2049079,17z\/data=!3m1!4b1!4m5!3m4!1s0x6b12aef2568afac5:0x43a499fff2f765e6!8m2!3d-33.8397313!4d151.2070966)\n\nGPO Box 5222 Sydney, NSW 2001\n\n#### New Zealand\n[0800 467 634](<tel:0800 467 634 >)\n\n[\\[email protected\\]](https:\/\/smartar.com\/cdn-cgi\/l\/email-protection#b3dbd6dfdfdcf3c0ded2c1c7d2c19dd0dcde)\n\n[Level 4, 3 Lorne Street Auckland CBD, Auckland, 1010](https:\/\/www.google.com\/maps\/place\/Level+4%2F3+Lorne+Street,+Auckland+Central,+Auckland+1010\/@-36.8495506,174.7657147,698m\/data=!3m2!1e3!4b1!4m5!3m4!1s0x6d0d47fb2962818d:0xf2468bd77a998bc!8m2!3d-36.8495506!4d174.7657147?entry=ttu&g_ep=EgoyMDI1MDMxOS4yIKXMDSoASAFQAw%3D%3D)\n\nPO Box 113-027 Newmarket, Auckland 1149\n#### Subscribe to our email list\n\n© 2023 smartAR \\|  [Privacy policy](https:\/\/smartar.com\/privacy-policy\/)\n\n- [twitter](https:\/\/twitter.com\/smartAR_com)\n- [facebook](https:\/\/www.facebook.com\/smartARcom)\n- [linkedin](https:\/\/www.linkedin.com\/company\/smartar-business-cashflow-solutions-managed-ledgers-fee-funding-online-payment-page\/)\n\nAt smartAR, we use cookies to provide a better experience for our website users. For more information about our cookies, you can read our Privacy Policy.\n\n[Privacy Policy](https:\/\/smartar.com\/privacy-policy\/) [Accept]()\n\nManage consent\n\nClose\n\n#### Privacy Overview\nThis website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.\n\n[Necessary]()\n\nNecessary\n\nAlways Enabled\n\nNecessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.\n\n| Cookie | Duration | Description |\n|---|---|---|\n| cookielawinfo-checkbox-analytics | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category \"Analytics\". |\n| cookielawinfo-checkbox-functional | 11 months | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category \"Functional\". |\n| cookielawinfo-checkbox-necessary | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category \"Necessary\". |\n| cookielawinfo-checkbox-others | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category \"Other. |\n| cookielawinfo-checkbox-performance | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category \"Performance\". |\n| viewed\\_cookie\\_policy | 11 months | The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data. |\n\n[Functional]()\n\nFunctional\n\nFunctional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.\n\n[Performance]()\n\nPerformance\n\nPerformance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.\n\n[Analytics]()\n\nAnalytics\n\nAnalytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.\n\n[Advertisement]()\n\nAdvertisement\n\nAdvertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.\n\n[Others]()\n\nOthers\n\nOther uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.\n\n[SAVE & ACCEPT]()\n\n![](https:\/\/px.ads.linkedin.com\/collect\/?pid=815411&fmt=gif)","attrs_readable_markdown":"## BIP's and PIP's Professional Service Firms\nPIP’s and BIP’s are models that are used in professional service firms. A PIP is a “**Payer** Initiated Payment” – credit management model, and a BIP is a “**Biller** Initiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations.\n\n[Book A Free Consultation](https:\/\/smartar.com\/strategy-call\/)\n\nChanging From A PIP To A BIP Model\n\nA firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment.\n\nDoes this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like:\n\n• “We didn’t get the invoice, can you send it again please”; or  \n • “The owner is away on holiday, they will pay on return”; or  \n • “We are waiting for a big customer to pay us – can we push this out to next month?”\n\nThese are common excuses heard by firms still using a PIP credit management model.\n\nSituations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning.\n\nThe downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you\\!\n\nDebtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it.\n\nsmartAR are here to help your firm make this transition and achieve reliable and predictable cash flow.\n\nsmartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model.\n\n![PIPs & BIPs Infographic](https:\/\/smartar.com\/wp-content\/uploads\/2022\/08\/Copy-of-PIPs-BIPs-Infographic.png)\n\nIn this recorded webinar Dave Birch explains PIP’s and BIP’s\n\nEach year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model.\n\nFirms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model?\n\nJoin Dave Birch as he explores this model and the advantages a “BIP” firm has.\n\n## Why smartAR?\nThere are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling:\n\n• Improving accounts receivable cash flow for professional firms is our focus and sandpit.  \n • smartAR has similar clients with similar problems, meaning this is not new territory for us.  \n • Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution.  \n • Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project.  \n • Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution.\n\n## Have other questions about PIPs and BIPs?\nIf you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists.","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

4 days ago

🚫

ROBOTS BLOCKED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.2 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://smartar.com/bips-and-pips/
Last Crawled	2026-04-08 17:10:15 (4 days ago)
First Indexed	2022-10-19 22:53:59 (3 years ago)
HTTP Status Code	200
Meta Title	PIPs vs BIPs Professional Service Firms - smartAR
Meta Description	PIPs and BIPs are payment models that are frequently used in professional service firms. A PIP is a “Payer Initiated Payment” – debtor model, and a BIP is a “Biller Initiated Payment” – debtor model.
Meta Canonical	null
Boilerpipe Text	BIP's and PIP's Professional Service Firms PIP’s and BIP’s are models that are used in professional service firms. A PIP is a “ Payer Initiated Payment” – credit management model, and a BIP is a “ Biller Initiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations. Book A Free Consultation Changing From A PIP To A BIP Model A firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment. Does this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like: • “We didn’t get the invoice, can you send it again please”; or • “The owner is away on holiday, they will pay on return”; or • “We are waiting for a big customer to pay us – can we push this out to next month?” These are common excuses heard by firms still using a PIP credit management model. Situations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning. The downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you! Debtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it. smartAR are here to help your firm make this transition and achieve reliable and predictable cash flow. smartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model. In this recorded webinar Dave Birch explains PIP’s and BIP’s Each year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model. Firms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model? Join Dave Birch as he explores this model and the advantages a “BIP” firm has. Why smartAR? There are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling: • Improving accounts receivable cash flow for professional firms is our focus and sandpit. • smartAR has similar clients with similar problems, meaning this is not new territory for us. • Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution. • Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project. • Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution. Have other questions about PIPs and BIPs? If you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists.
Markdown	[Skip to main content](https://smartar.com/bips-and-pips/#ajax-content-wrap) [Close Search](https://smartar.com/bips-and-pips/) [![smartAR](https://smartar.com/wp-content/uploads/2021/05/smartAR_RGB_Logo_Full-Colour-Horiz.svg)](https://smartar.com/) [Menu](https://smartar.com/bips-and-pips/#sidewidgetarea) - [Contact](https://smartar.com/contact/) - [Fund a Bill](https://smartar.com/fund-a-bill/) - [Solutions](https://smartar.com/smartar-business-cash-flow-solutions/) - [Login](https://smartar.com/logins/smartar-login/) - [Fee Funding AUSTRALIA](https://feesmart.smartar.com/menu/#/feelink/login) - [Fee Funding NEW ZEALAND](https://feesmart.smartar.com/menu/#/feesmart/login) - [Payment Page Admin](https://secure.smartpaymentpage.com/login.aspx?ReturnUrl=%2Fadmin%2F) - [Virtual Ledger Mgmt Admin (SARA)](https://system.getsmart.co.nz/login.aspx?ReturnUrl=%2Fsite%2F) - [Contact](https://smartar.com/contact/) - [Fund a Bill](https://smartar.com/fund-a-bill/) - [Solutions](https://smartar.com/smartar-business-cash-flow-solutions/) - [Login](https://smartar.com/logins/smartar-login/) - [Fee Funding AUSTRALIA](https://feesmart.smartar.com/menu/#/feelink/login) - [Fee Funding NEW ZEALAND](https://feesmart.smartar.com/menu/#/feesmart/login) - [Payment Page Admin](https://secure.smartpaymentpage.com/login.aspx?ReturnUrl=%2Fadmin%2F) - [Virtual Ledger Mgmt Admin (SARA)](https://system.getsmart.co.nz/login.aspx?ReturnUrl=%2Fsite%2F) # BIP's and PIP's Professional Service Firms PIP’s and BIP’s are models that are used in professional service firms. A PIP is a “Payer Initiated Payment” – credit management model, and a BIP is a “Biller Initiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations. [Book A Free Consultation](https://smartar.com/strategy-call/) ## Changing From A PIP To A BIP Model A firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment. Does this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like: • “We didn’t get the invoice, can you send it again please”; or • “The owner is away on holiday, they will pay on return”; or • “We are waiting for a big customer to pay us – can we push this out to next month?” These are common excuses heard by firms still using a PIP credit management model. Situations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning. The downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you\! Debtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it. smartAR are here to help your firm make this transition and achieve reliable and predictable cash flow. ### smartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model. ![PIPs & BIPs Infographic](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%203213%202457'%2F%3E) [Book A Free Consultation](https://smartar.com/strategy-call/) ### In this recorded webinar Dave Birch explains PIP’s and BIP’s Each year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model. Firms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model? Join Dave Birch as he explores this model and the advantages a “BIP” firm has. ## Why smartAR? There are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling: • Improving accounts receivable cash flow for professional firms is our focus and sandpit. • smartAR has similar clients with similar problems, meaning this is not new territory for us. • Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution. • Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project. • Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution. ## Have other questions about PIPs and BIPs? If you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists. 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Readable Markdown	## BIP's and PIP's Professional Service Firms PIP’s and BIP’s are models that are used in professional service firms. A PIP is a “Payer Initiated Payment” – credit management model, and a BIP is a “Biller Initiated Payment” – credit management model. At smartAR we have worked with hundreds of businesses to support them to understand the pros and cons of each model. We can also guide businesses to transition to a BIP model if they wish to free up time and reduce debtor days, with minimum impact to business operations. [Book A Free Consultation](https://smartar.com/strategy-call/) Changing From A PIP To A BIP Model A firm using a PIP model is typically one that gets a new client (or does more work for an existing one), agrees the fees, terms and payment conditions, does the work, sends the bill promptly and then… waits for payment. Does this scenario sound familiar? You sent an invoice over a month ago, still unpaid – you follow up with the client who says things like: • “We didn’t get the invoice, can you send it again please”; or • “The owner is away on holiday, they will pay on return”; or • “We are waiting for a big customer to pay us – can we push this out to next month?” These are common excuses heard by firms still using a PIP credit management model. Situations like these mean that professional service firms operating a PIP model have no real certainty of how much will be paid or when. A PIP model leaves the full control and timing of the payment with the client, and that can wreak havoc with your own cash flow planning. The downsides of a PIP model are numerous. You have all the added hassles, administration, costs and stress associated with chasing overdue debtors. Nobody likes chasing debtors – but if you don’t chase them, some clients might never pay you\! Debtor management doesn’t need to be like that. With changing technology there is now a much better way for professional service firms to manage collections using a “BIP” (Biller Initiated Payment) credit management model. In short – no more chasing clients. You are now in control. Your payments become 80%+ predictable and you have much more working capital available. Best of all, clients love it. smartAR are here to help your firm make this transition and achieve reliable and predictable cash flow. smartAR Are Helping Professional Service Firms To Transition From Operating A PIP Credit Management Model To A BIP Model. ![PIPs & BIPs Infographic](https://smartar.com/wp-content/uploads/2022/08/Copy-of-PIPs-BIPs-Infographic.png) In this recorded webinar Dave Birch explains PIP’s and BIP’s Each year the professional service sector wastes billions of dollars and millions of hours. They feel like they are “stuck in the mud” with unneeded client tensions, hassles and inefficiencies inherent with operating an outdated “PIP” credit management model. Firms that operate a “PIP” model are in essence fighting with one hand tied behind their back. And sadly, many firms don’t even know they are doing it, or that there is an alternative. So, what is a “BIP” credit management model? Join Dave Birch as he explores this model and the advantages a “BIP” firm has. ## Why smartAR? There are all sorts of smart consultants who could potentially help you with this project. So why work with smartAR? Here are several reasons that we trust you will find compelling: • Improving accounts receivable cash flow for professional firms is our focus and sandpit. • smartAR has similar clients with similar problems, meaning this is not new territory for us. • Our experience spans using finance, technology, and people to improve cash flow predictability and velocity, which means we are not one-trick ponies selling a single solution. • Quick “wins” are important. We can help you identify easy and immediate gains to kick start your project. • Most “consultants” are theorists, whereas smartAR are primarily “doers”. That means our advice is founded directly on relevant experience with similar project execution. ## Have other questions about PIPs and BIPs? If you would like some guidance on how you can transition your business from a PIP to a BIP model, schedule a free discussion with one of our senior Accounts Receivable Specialists.
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