Billpay is a payment service provider in Germany focused on primarily on two payment methods: payment per invoice and direct debit. Online merchants can offer these payment methods without the default risk typically associated with invoice and direct debit. Billpays services often boost sales by 20 to 30 percent according to the company. In addition to comprehensive default protection, Billpay handles the entire risk and accounts receivables management of their merchants so the merchants have more time for their core businesses.