One of the things that has worried me about going into business for myself is invoicing and payment processing. I worry about getting paid for any goods and services I provide. I have been thinking of staring a small business with my husband and I think we would need to join and organization like the national automated clearing house association to help us with this. I am really do think that to be successful, that our invoicing and payment processing system must be in order. We have a business plan and now we just need the start up cash to kick it off.