Why Direct Billing? The ability to offer payment over time helps to keep you competitive in the marketplace. A variety of payment schedules are available: Monthly, Quarterly, or Semi-Annually. You can even vary the payment schedule from policy to policy, allowing you to offer quarterly installments on one account, while requiring payment in full on another.   BMS gives you the ability to offer these services while reducing your overhead costs in equipment, supplies, postage, and labor, all while retaining control over underwriting decisions and data management.