De plus, le chemin et le mode de livraison peuvent varier considérablement entre facturiers et dépendent de plusieurs facteurs, notamment la manière dont le consommateur entreprend le paiement, et les capacités techniques du facturier.
Moving payments and the related billing information from a consumer to the biller requires a number of sequential steps, each of which relies on a separate system. Further, the delivery route and mode may vary considerably among billers and depends on a number of factors, such as how the consumer initiated the payment and the technical capabilities of the biller.