But why do a credit check if the client is not intending to use payment services? And in order to do a credit check, the client has to give you financial information. I can understand the need to verify the business itself, ie ABN check, but not the credit check. And what happens to a struggling business which has a poor credit record - are they declined from sending invoices directly from AccountRight/Business? As I have said before, the opt in to payment services needs to be a separate process to the opt-in for Secure Invoicing.