SNJ is a direct to consumer billing company that provides billers/merchants with advanced tools to keep cash flows steady while nearly eliminating fraud claims or charge backs. Merchants find the combined services of SNJ allows them to focus on growing their top line. The SNJ arsenal of services includes patent pending tools which virtually eliminate claims of fraud or chargebacks while improving the consumer experience to the point of continued, uninterrupted service or re-orders. Merchants even find using the SNJ call center for consumer payment support helps them to promote their business while keeping customers. The call center at SNJ can provide cradle to grave services to include inbound order taking as well as billing support calls. In addition, the sophisticated systems of SNJ provide ongoing, clear and concise consumer communication avoiding virtually any accusation of impropriety. The SNJ system provides near undeniable transaction proof regardless of the method used to accept a consumer payment. Let SNJ take care of your billing and payment processing while you take care of managing increased profits from your business.