I have been running for only 1 year now but I started out with either pay with cash or deposit the money in our bank account via internet transfer within 14 days...
I have the normal 'gang' of late payers but they would pay late whatever the method I think (people are people)...
As far as sorting out who has paid, after each clean the customer gets a card with various info on it but most importantly our bank a/c details and the fact that they have 14 days to pay.
The banking system here in Holland does put the name, address and postcode on the payment but I always do ask the customer put their postcode and house number in the 'note section' when they make the payment..
The above makes it very easy to see who has paid.
Now we do not have cheques to my knowledge here in Holland...chip & pin is used widely...I think that the U.K will follow in the coming years.
Internet bank transfer does rely on the customer actually making the transfer but I have now ntocied that after a year some of my customers are starting to make 'standing order' type payments, I have even suggested this to a couple who 'forget' alot....on the whole they warm to it as they still have control and I get my money.....
I started out with the intention of making life easier for me and internet banking has certainly done that...I have yet to go out and collect....Yes you still have to sit at the computer and go through your account and check off who has and has not paid....but better at home than getting into the van at night...
Work smarter not harder....
The only thing is that when the money goes to the bank...it's hard to hide it is'nt it
Cheers
Dave.