Retail operations present challenges in the areas of Customer management, Customer care, Electronic bill presentation and payment, customer financial management, tax management, provisioning of customer lines, payment processing, invoice printing, independent agent management and agent commission calculations, vendor management and vendor auditing. Cadebill provides powerful modules for customer care and customer management. Web-Cadebill and e-Cadebill modules provide presenting the customer with all the current information, and ability to make payment through credit cards and CCH. Tax management capabilities include: US compliant tax method to calculate the taxes in compliance with local, state and federal laws, in conjunction with data provided by DPC, http://www.salestax.com; Cadebill native tax method provides tax calculations with user defined data; Order entry and provisioning module provides quick provisioning of customers through automated work flow methods. Automated payment processing capabilities such as credit card, ACH, automated bank clearing methods facilitate swift handling of customer payments. Independent agent sales commissions are calculated automatically and agent commission payments can be made easily.