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Technology Stocks : CheckFree (CKFR) -- Ignore unavailable to you. Want to Upgrade?

To: jjs_ynot who wrote (1900)	2/23/1998 2:09:00 PM
From: Geof Hollingsworth	Respond to of 8545

Hi Dave, Billers pay the consolidators today a few cents per transaction (paper), but the electronic guys are charging around 40 cents for electronic bill presentment, i.e., generating an electronic bill starting from the billing file. I don't know what MSFDC specifically is charging.

To: jjs_ynot who wrote (1900)	2/23/1998 2:22:00 PM
From: Benny Baga	Read Replies (1) \| Respond to of 8545

The biller cost is around .72 cents per transaction (per 1997 CheckFree annual report), the cost of postage, paper, handling, etc. Both CheckFree and MSFDC pricing models charge the billers .32 cents per transaction. The difference with MSFDC billers, is that the Biller must build a system that initiates transactions (incur more systems cost). So while MSFDC service is free to the Banks, it is more costly to the billers. Please correct me, if you think i misstated the facts. Benny