I would rather be paid quickly by paypal than have a list of customers running up debts. Yes you have to pay the costs for using it but your accountant will take for the bank charges when filling out your tax return anyway. If you go collecting evenings.... it costs time (unpaid time at your hourly rate), plus fuel costs, plus wear and tear on your vehicle. If you leave a SAE with a stamp on it costs money, then you have to go to the bank and pay it in which costs time and money. Whatever way you look at it, it costs money to collect your money .....unless you're paid cash on the door whilst you're cleaning.