Our National started requiring us to use the Automated Bill Highway (APH) last year and since then, I can't even describe how much easier it is to collect dues. APH has done wonders for my chapter - a group that previously struggled with sisters not paying until the end of the semester, not having money to pay bills when we needed it, etc. It is very simple to use, includes all of the reports that you could need, and the customer service has been excellent. They invoice members monthly and you can set up payment plans for individual members on the system and if a member should neglect their financial obligation, sending them to collections is simple and straightforward and as easy as calling APH since they have all of the information necessary already.
You can check them out at
www.billhighway.com. I know that there are lots of threads about using services like this and I now understand why most chapters benefit from them...