# Proprietary Technology & Defensible Intellectual Property
Apxium’s Accounts Receivable Automation Software, combined with its Payments Technology, improves debtor days by up to 50%, reduces administrative overhead by 50%, and payment processing fees by 30%-40%. The technology is underpinned by the following Intellectual Property:
#### Remote Connectivity - Read & Write Access to Firms’ Practice Management Software (Accounting & Billing Systems)
* Remote read and write access to global cloud and on-premise Practice Management Software which is used by the largest Firms. These systems are not built for external cloud connectivity.
* SQL access enables data interrogation to create invoices and remotely write payments data (journaled) back into the Practice Management system ledger with no manual (human) intervention.
#### Real-Time Data Synchronisation
* External/manual transactions outside of Apxium’s payment gateway (refunds, credit notes, reversals etc.) are updated in Apxium invoices in real time, and reflected in cloud hosted merchant and client portals.
* This real-time synchronicity makes payment errors, duplicate payments, etc., impossible.
#### Bank Agnostic Payments Acquiring (Global Payment Rails)
* Apxium replaces the Firm’s transactional bank and provides bank-agnostic payment facilities for credit card and direct debit (ACH) at 30-40% savings.
* As an accredited Payments Acquirer, Apxium has visibility over every debtor/payer, enabling its write data integration IP to perform the most accurate and automated write-backs (journal entries) to the PM system.
This IP ensures the most sophisticated risk reporting with real-time visibility over every invoice payment status and debtor payment, along with every external transaction recorded in the underlying receivables ledger.
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