Billing and Provisioning Software
Billing and Provisioning software automates customer service, operational support and accounting for the telecommunications industry. These systems provide an integrated solution for telecom services management and offer high-level reporting options and billing tools. Billing and Provisioning solutions also include a variety of customer account management tools and marketing features. Some applications also offer integration with contract management and customer agreement databases. Billing and Provisioning software is related to Telecom Expense Management software.
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Convergent GSM, CDMA, 3G, 4G, 5G, LTE, wireline, fixed, ISP, IPTV, VoIP, FTTX & Wi-Max billing, POS, CRM, mediation and OSS with more than 70,000 business-critical and competitive-market features, based upon the experience of over 200 installations world-wide. We then back everything with world-class support and customer success-driven development that has earned us exceptional customer retention. On-premise or cloud, We're Ready When You Are with the same no-compromise end-to-end solutions. Learn more about OSS360 Carrier-Grade Wireless, Wireline & IP Services-Based Billing, POS, CRM & OSS with no Compromises. Premise or Cloud. Ready When You Are! Learn more about OSS360
Cadebill base system is a convergent billing solution for Telephone companies, wireless companies, cable companies, ISPs, local telephone companies. Cadebill's open and rule-based architecture provide a wide flexibility to setup the system for a variety of operating environments and for variety of telephony products and other products that require usage based and persistent billing such as telephone, local phone usage, cellular, pager, cable, ISP, energy. Learn more about Cadebill A complete system for an integrated BSS, OSS, telecom business management and worfklow. Learn more about Cadebill
Ignite your growth like our clients in SaaS, avionics, publishing, telematics & many other sectors. Eliminate manual billing. Reduce revenue leaks, churn. Fusebill simplifies all aspects of subscription billing and management, automating recurring invoicing, payments, and revenue recognition while streamlining customer lifecycle management to maximize revenue. Fusebills flexible ledger-based platform allows you to scale your business with absolute confidence through every stage of growth. Fusebill offers flexible subscription billing and management software that allows businesses to scale through every growth stage.
Rev.io was built to solve the mission-critical problems of providers with recurring and metered service offerings. It has been a cloud-based solution from the beginning and our redundant architecture allows us to deliver superior performance and reliability. Rev.io provides cloud-based billing, CRM, provisioning solutions to communications, IoT, and technology service providers.
Simplify UC&C management without losing functionality or visibility. Works Across All Switch and PBX Types eXsight works on all PBX systems from major switch vendors including Cisco, Avaya, Microsoft Skype for Business, Unify, Mitel, Alcatel-Lucent, Nortel, NEC and others. eXsight is a UC&C managers new best weapon in the ght to keep all of their companys communications, and internal and external collaboration, on track. Visibility Simplify UC&C management without losing functionality or visibility. Works Across All Switch and PBX Types
JeraSoft Billing Platform is a multifunctional billing solution for Mobile and Business Telecoms (Retail VoIP, Mobile VoIP, Wholesale VoIP and SMS, Business Telephony, MVNOs, OTTs), ISPs, CSPs, CLECs, ILECs, Data and IoT/M2M service providers. It is designed for billing of practically all kinds of services. The platform automates billing, rating, routing and mediation processes and manages hundreds of thousands of subscribers at once. Visit the website to learn more - www.jerasoft.net Easy-to-use billing, rating, routing and mediation solution aimed at streamlining billing processes and enhancing ROI
InTELEbill and InteleCABS billing solutions combine unparalleled accuracy with affordability to meet growing telecom companies' needs. InTELEbill and InteleCABS billing solutions combine unparalleled accuracy with affordability to meet growing telecom companies' needs.
To win in today's ever evolving connected world, businesses have come to rely on LogiSense Billing's Subscription and Usage Rating Platform to Automate, Optimize, and Simplify their back-office systems, while remaining ahead of the marketplace with disruptive service offerings and enhanced operational efficiency. Subscription Billing, usage rating, mediation, and billing solutions for M2M/IoT, Telecom, and Enterprise service providers globally.
BLUIQ helps businesses in the digital economy frustrated with billing, aggregate data to automate processes, generate new customer intelligence, and revolutionize growth. Founded as BluLogix in 2013, the BLUIQ platform offers the only true multi-tenant monetization and SaaS billing solution in the market. Our proprietary data-enrichment engine has helped 100+ companies get beyond billing and focus on identifying value-aligned relationship and revenue opportunities. Eliminate subscription billing. recurring revenue and cloud-billing frustrations once and for all with BLUIQ - the only true, multi-ten
Our aBILLity billing platform has been developed to provide you with a total solution for billing and provisioning connectivity services. It features a powerful rating engine, advanced revenue assurance functionality, fraud detection tools, WLR3 provisioning and much more. aBILLity is used by over 600 communication providers with a user community of 3,500 comms professionals. They choose aBILLity because it is a scalable, tried and trusted solution with a proven track record of success. Designed for use by communication providers, aBILLity provides a total solution for managing and billing connectivity services.
ActivePlatform is a cloud brokerage solution that unites vendors, service providers, resellers and customers into a single cloud ecosystem for buying, selling and managing cloud services. Customers benefit from single point of management for all online services. Vendors get global reach through one simple integration with ActivePlatform. Service providers can launch popular SaaS, IaaS, own IP services and provide one consolidated bill to the customer. Cloud brokerage solution that accelerates digital transformation by removing the barriers of of cost and complexity.
Cloud Utility and Telco billing - with full social media integration. - Provisioning for electricity, water, internet, Voice, VOIP, Cloud, VMWare and more - Payments and bank integrations - IVR - Customer portal with your branding - B2B XML - Ticketing system - 200 integrations Streamline your business, reduce staff and minimize revenue leakage. And let your customer help themselves with our great self help and enablement portal. Cloud based utility billing, provisioning, payments, customer portal, B2B, XML, print. FACEBOOK, TWITTER & LINKED IN integration
OBS is a convergent Billing Platform for IPTV, OTT, TV-Anywhere, Pay-TV, DTH, DTT, ISP, Wifi. OBS rule based engine, flexible architecture & feature richness provides Out-of-the-Box solution for Broadband & Digital Media operators who wanted to monetize or services offerings. Integration platform allows you to integrate with any provisioning, MW or Network element systems with limited time-frame. OBS has been in production use @ over 30 operators across the globe. Convergent billing platform for IPTV, OTT, TV-Anywhere, Pay-TV, DTH, DTT, ISP, Wifi
With EZ BILL ASP, you have ALL the features and functions of an in-house system without the COST and HEADACHES of hardware, software, and additional personnel. Our telecom billing software enables you to collect, store and retrieve all the information you will ever need about your customers. With EZ BILL ASP your organization can spend time and money doing what it should (generating revenue and servicing customers) not worrying about hardware and software. Telecom Rating/billing software; collect, store and retrieve all the information you will ever need about your customers.
Fully integrated out-of -the-box billing and CRM solution that could be deployed in the cloud, as managed service or on-site license. Fully integrated out-of -the-box billing and CRM solution that could be deployed in the cloud, as managed service or on-site license.
A global service provider of convergent billing, provisioning, CRM, policy control and payment solutions for ISP, Pay TV, IPTV, VOD, VOIP service providers. Trigital is a SaaS Billing & CRM Company with diverse experience that provides end-to-end e-business solutions and services to Data, Voice & Video segments. A convergent billing, provisioning & CRM solution for ISP,Broadband,PayTV,DVB,IPTV,VOD,VOIP service providers.
Sigma Software is a leading global provider of innovative BSS/OSS solutions. Headquartered in Toronto, Canada, Sigma Software has helped companies, across the globe, to manage and monetize their service offerings for a better customer experience. Whether you are wholesale or retail, the industry's top carrier and/or the high-achiever reseller, our award-winning suite of carrier-grade solutions will meet your business expectations as well as your customers' expectations. Real-time converged billing, cloud based billing, policy control and charging, enterprise product catalog, Big Data analytics platform
NEON is the leading developer and integrator of high quality Billing software. We are an engineering company that takes care of your Billing needs and allows you to concentrate on success of your business.Integrated with multiple payment providers (Authorize.NET, PayPal, Stripe etc).100% web-based platform. Taxes management, support for multi currencies and international companies, invoice reminders for due and unpaid invoices. Simple to use online invoicing solution with recurring invoices and customized templates. Integrated with payment providers.
Calvi optimises the information flows between customer and supplier, simplifies ordering and invoicing processes, provides insight into cost patterns and gives you full control over contracted services and products via an intuitive, online interface. All components of the Calvi suite are separately available and can be implemented independently from existing software solutions. We can flexibly connect to systems of suppliers, increasing the independence of our customers. Keeps assets under control and lets you bill or pass on the costs of products and services.
A Java based, open systems platform with dynamic frameworks that provides a common look and feel across all applications. A Java based, open systems platform with dynamic frameworks that provides a common look and feel across all applications.
ZIRA Billing is an innovative, cost-effective, and component-based system that provides Revenue Management and Customer Care solutions for telecoms of all sizes. BISA offers flexible, convergent Revenue Management for all types of telecom services and offerings (wireline, wireless, data networks, IP based services, IPTV, etc.). Innovative, cost-effective system that provides Revenue Management and Customer Care solutions for telecoms of all sizes.
Subscription Revenue Management for Next Generation Services. Data-driven pricing, automated customer and billing management, superior channel management. These are the pillars of a new economy, revenue management solution. Data-driven pricing, automated customer and billing management, superior channel management. Revenue Management Solution
TimelyBill is a "telecom billing and revenue management software" which facilitates service providers to introduce products, generate invoices, collect payments, offer bundles, share profit with partners, detect fraud and many other revenue related functions. TimelyBill was designed to provide the maximum in flexibility and reliability. You can add/modify fields, labels, validation rules, permissions, create custom fields, store customer data in multiple languages, and more. TimelyBill's cloud "billing as a service", is designed for telecommunications, VoIP and wireless communications service providers.
BillCall is a powerful interconnect Business Solution for telecom operators that provide accurate billing, rating, routing,finance and business management. Being inter-operable with Class-4 switches, BillCall is equipped with a complete suite of billing features for Mediation, origination, termination and transit traffic. The solution helps telecom operators to comply with industry regulations and safeguard business processes with timely alerts, notifications and detailed reports. A powerful interconnect Business Solution for telecom operators that provides accurate billing, rating, routing, finance & much more.
Inovaware offers a comprehensive OSS/BSS framework specifically designed to meet the challenging demands of fixed broadband, broadband wireless access, ISP, ASP, IPTV, VoIP, hosting and content providers. Our software encompasses a wide range of functionality including rating, billing, revenue management, provisioning, customer care, customer eCare, reporting, trouble ticketing and workflow - all within an integrated package. Complete billing and customer care for broadband, hosting, wireless, VoIP and content providers.
Web-based SIP softswitch and billing server for both the VoIP and PSTN networks. This Class 4/5 communication platform allows operators specialized in VoIP to provide powerful and secure services that ensure a quick Return on Investment (ROI),at low costs. Interoperability and the ability to exploit SIP compliant domains make it an adaptable product that will easily integrate into the client environment while bringing a fast ROI. Award-winning web-based VoIP softswitch and billing server software for service providers for the VoIP and PSTN networks.
The Gotransverse billing solution supports the monetization of any combination of one-time, subscription and usage-based offerings with near real-time metering, rating and native revenue recognition. The result is top-line revenue growth, faster time-to-market, visibility into revenue streams and operational savings. But don't take our word for it. Forrester has released a Forrester Wave evaluation of subscription billing vendors. Download the report to learn more about our capabilities. The Gotransverse billing solution supports the monetization of any combination of one-time, subscription and usage-based offerings.
With ICSS (Intelligent Customer Support Systems) you have immediate access to all your customer information; reducing your call times and enhancing the end user experience. With on demand access to provision products and services; technicians are able to complete the job and get back to their core work faster. Our easy to use billing solution streamlines the process and works to reduce any cash-flow interruption. Solution suite that enables you to provide comprehensive customer management for a wide array of communications services.
Telesoft is the trusted partner in Telecom Expense Management (TEM) software and services. For more than 25 years, Telesoft has worked with clients to reduce fixed and mobile telecom spend to improve their bottom lines. Choosing to work with us will prove to be one of the easiest, yet most lucrative strategic decisions you can make. It's hard to go wrong with proven solutions that generate significant savings. Web-enabled solution that helps with cost allocation, expense tracking, inventory and chargeback.
TeleLink allows carriers and resellers to: Mediate CDRs from multiple input files, transforming them for use by multiple OSS and downstream processes; Apply user-defined business rules for filtering and converting the data to multiple output formats including in binary, ASCII, EMI, and other formats; Standardize usage data to generate custom reports and perform sophisticated network analysis. Advanced Traffic Analysis. Helps you manage reseller accounts, verify routing and billing, and reduce losses.
Hansen BannerCX enables North American utilities and municipalities to manage the full customer service and revenue lifecycle for the provision of electricity, gas, and water services. With decades of experience and over 100 installations, BannerCX is a contemporary, intuitive, browser-based CIS and Billing platform. Browser-based customer care and billing solution for the electricity, gas, water and telecommunications sectors.
Customer care, billing and provisioning software - allows communication providers to bill for multiple services on a single bill. Customer care, billing and provisioning software - allows communication providers to bill for multiple services on a single bill.
Platform independent billing and customer care software with the ability to rate and bill usages from a variety of sources. Platform independent billing and customer care software with the ability to rate and bill usages from a variety of sources.
ParaBill is a commercially available Open Source Billing and Customer Care system that supports traditional Telecom and Communication services as well as new Event and Volume driven services. The solution has advanced features for managing customers and subscriptions, charging and rating of any event such as CDRs from telecom switches, administrating products and services in an advanced product hierarchy, and administrating usage prices in an advanced and flexible structure. Customer management and billing software for communications and content service providers.
CustomCall Data Systems, Inc, founded in 1993, provides billing, OSS and business process management solutions for telecommunications service providers. CustomCall clients include CLECs, VoIP and IPTV service providers, MVNOs, cable MSOs, ASPs, local and long distance companies and network wholesalers. All rely on our secure, scalable billing and OSS solutions, proven reliability and industry leading support. Customer care, billing, workflow management, and automated provisioning for local, LD, VoIP, wireless & data services.
Customizable billing & provisioning system with web based user interface and feature rich capabilities. Recurring billing as well as a flexible record source capability provides billing for any type of application. Customizable billing & provisioning system with web based user interface and feature rich capabilities.
Aradial products include a full-featured Converged Billing and AAA servers (RADIUS and Diameter). Aradial provides excellent performance and technological superiority. The solution offers billing integration for ISP, Wimax, LTE, Mobile and VoIP, HotSpot, wireless access, WiFi, WISP, ASP and mobile operators. Aradial's web-based interface ensures easy connectivity from anywhere and is coupled with a state server that allows you to know exactly what is happening in the network, in real time. Billing integration for ISP and VoIP, HotSpot, Wireless Access, WiFi, WISP, ASP, Wireless LAN and Mobile operators.
BeQuick Software, Inc., located in Palm Beach Gardens, Florida, is the unquestioned leader in hosted telecom and wireless billing and back office solutions for providers focused on the consumer market. Founded in 2002, BeQuick delivers innovative, turnkey, hosted BSS/OSS solutions for US-based, wireless & wireline providers alike. With an experienced management team & a customer support organization that is unsurpassed, BeQuick has the platform and the experience to help you win more customers. Full feature Web-based OSS system for pre/post pay deregulated markets including provisioning, workflow, customer care.
Electronic bill presentation and payment solution for service providers like telephone, electricity, cell phone, insurance etc. Electronic bill presentation and payment solution for service providers like telephone, electricity, cell phone, insurance etc.
CDG's subscriber and enterprise management and invoicing solution, MBS, is a highly flexible, full-service modular system for billing dynamic telecommunications environments. BDS-I offers ordering and billing services for Business Data Services (BDS), Special Access, and Ethernet, as well as Interconnection billing functionality for both access tariffs and contracts. MBS - Subscriber and Enterprise Billing and Management. BDS-I - BDS, Wholesale, and Interconnect Ordering and Billing
Unicorn billing solution offers a universal formatter, real-time rules-based billing and rating, customer administration, accounts receivable management, credit risk control, trouble ticketing, fulfillment, marketing automation, sales commissioning, and systems administration. Offers a universal formatter, real-time rules-based billing and rating, customer administration, accounts receivable management, etc.
ABS 100 provides a low cost high performance CDR Processing, Billing, and Call Accounting System that Rates Wholesale, Departmental, Carrier, and Retail CDRs while also providing Network Optimization, Carrier Management, and Profit/Loss reports. The ABS 100 system also generates LCR Routing Data. It can compare multiple Carrier Rates and is a great platform for Wholesale Billing and Agent/Reseller Re-Billing. CDR Processing System for high volume Wholesale Billing, as well as: Auditing, Comparisons, Reports, Optimization, and Analysis.
The P3 telecom billing system is the industry leader in Price, Performance, and Power. Developed in 1988, P3 has a proven track record. Simplify and streamline your telecom billing and customer services with P3. P3's new Customer Web Portal gives your customers Internet access to bills, calls, and online payment. Price: Scaled to your volume. Performance: Ease of use is a hallmark. Power: Speeds over 12 million calls per hour. Fully Convergent Billing, Local LD & INt'l Rating, CLEC proc., wireless, cable etc, Tax Rating/Reports, Customer Service Access, etc.
BASE24-eps is an integrated payment engine that acquires, authenticates, switches and authorizes financial transactions across multiple channels. It is the next-generation of our world-class payments platform, drawing on more than 35 years experience in payments software. Payment processing engine that acquires, authenticates and authorizes financial transactions across multiple channels.
SaskTel International has been delivering OSS solutions to organizations for twenty-five years. Our leading edge solutions cover: -service assurance - trouble ticket management - help desk - provisioning - inventory - assignment - activation - service order management - network element programming. Our clients range in size from small to large as we offer right-sized solutions. We are respected by our clients due to our close working relationships and expertise. Provisioning, Activation, and Service Assurance solutions
Transaction Management Software for Wireless Devices. Automates subscriber activation, order management and service provisioning. Transaction Management Software for Wireless Devices. Automates subscriber activation, order management and service provisioning.
Integrated CRM, Billing and Provisioning solution for service providers(Cable TV and ISP). Also suitable for all other kinds of service providers. Integrated CRM, Billing and Provisioning solution for service providers(Cable TV and ISP). Also suitable for other kinds of services.
RiverRock Systems, Ltd., headquartered in Dallas, Texas, provides proven end-to-end, web-based operations support systems (OSS) and services for utilities and communications service providers. Its integrated OSS suite of solutions includes modules to handle order management, CRM, mediation, usage rating, management reporting, convergent billing, accounts receivable, customer/e-care portals and electronic bonding. The most advanced Billing and Customer Care solution for today's service providers.
Voice and video services over wire-line and wireless networks to manage and profit from application, media and communication services. Voice and video services over wire-line and wireless networks to manage and profit from application, media and communication services.
Affordable billing software & service for small/medium LEC, CLEC, ISP, VOIP, IXC & Wireless providers. Web-based, end-user billing, CABS, customer care, CDR collection & mediation, custom rating plans, order management & workflow, flexible reporting, sales agent access, invoice printing & delivery service. We respond to your custom software and service requirements and apply 20 years experience, dedicated to the telecom industry, to delivering your desired results. Billing Software & Service for Small Carriers. Responds to your custom software and service requirements with 20 years experience.
Aria Systems provides a cloud-based monetization platform for subscription- and usage-based businesses. Aria removes billing bottlenecks and allows companies to rapidly introduce and evolve offerings, bundles, and promotions. Innovative companies, like Adobe, Philips, and Pitney Bowes depend on Aria for speed and agility at scale to maximize customer value and grow revenue. Web-based solution that provides a monetization platform for subscription- and usage-based businesses.
24online Internet Billing and Bandwidth Management Software Solution is a leading solution enabling WiMAX and Wi-Fi providers, Broadband and Dial up service providers to provide time and usage based internet access and to manage subscribers and franchisees. We also have dedicated product line for hospitality and hotspot segment with advanced features for time and usage based internet billing. 24online has complete range of appliance by which clients are free to choose their choice of solution. Data & VoIP billing, AAA server, access controllers for ISPs, hotels and hotspot providers to offer internet services
A solution for managing financial settlement in near real time between communication service providers and other parties. A solution for managing financial settlement in near real time between communication service providers and other parties.
Dynasoft TeleFactura is the definitive BSS OSS convergent telecom voice, data, voip, billing and Radius Authorization Authentication Accounting AAA system solution for data, voice, Wifi, ISP, WISP, mobile, MVNO, telecom, callshop, operators and carriers. Billing includes carrier provisioning, account reconciliation, mediation, call rating. Integrated with TekRadius, Paypal, Authorize.net, Xero, Sage. Full pre/post sales, training and support. Billing software system for ISP WISP WIFI Telecom mobile MVNO operators with Radius, Xero and Paypal
Telecoms billing solution that provides customer rate plans creation, customer information management, routing system, analitycs. Telecoms billing solution that provides customer rate plans creation, customer information management, routing system, analitycs.
SURE! is an end-to-end Subscription Lifecycle Management Platform from Magnaquest. SURE! has been redefining and catalyzing ROI of our clients, spread globally, in verticals like Media & Entertainment, Broadband, Cloud businesses and Utility billing, with a product suite spanning Billing and Revenue Management, CRM, Session Control, OSS and Campaign management. CRM & billing solution designed for Pay TV, ISP, IP TV & Triple play operators Utility billing. Automates customer life cycle.
Carrier access billing system that includes consolidated billing, audit trail, route monitoring and maintenance capabilities. Carrier access billing system that includes consolidated billing, audit trail, route monitoring and maintenance capabilities.
I-CONN not only out performs the competition in terms of speed and flexibility, it is also very cost effective. The reason is that I-CONN uses fewer resources than almost any other system and some of these resources are annually renewable so the return is year on year for the duration of its use. Existing users of I-CONN have witnessed for themselves how a return of their initial Investment is possible in a very short time period. A comprehensive and convergent Inter-Connection Billing solution. For Mobile & Fixed Networks, Wholesale Billing and Mobil Resellers
Tier 2 and Tier 3 Carriers that are just building up their calls volume and teams need solutions that they can rely on to fulfill their Mediation, Routing, Trading and Billing requirements. And this is precisely why Vanrise has developed Ntegra, which serves as a backbone to small and medium sized carriers operations, covering all the essential specters of business automation within a growing wholesale or retail organization. Software for billing and automated routing management including modules covering the needs of wholesale and retail carriers.
Mobile-based solution that enables businesses to process payments via mobile transactions that is added to customers' phone bill. Mobile-based solution that enables businesses to process payments via mobile transactions that is added to customers' phone bill.
CloudAstrix ISP Suite is a complete billing and provisioning modular package for Startup to Major ISPs. A Hands Free Automation suite allows provisioning of VoIP and Broadband (Radius) services within one portal. The Accounting module offers comprehensive control of finances including inventory control by serial numbers. Unlimited clients caters for unlimited growth. Convenient and self hosted cloud software with great backup support makes CloudAstrix a firm favourite partner to ISPs worldwide. CloudAstrix ISP Suite is a complete hands free automated billing and provisioning VoIP and Radius suite for startup to Major ISPs.
Business Software for IoT Intensive Service Businesses and Ecosystems to - Offer New Service Models, - Orchestrate Devices and Services, and - Automate Dynamic Pricing and Billing. Web based solution for IoT monetization with features such as digital customer experience, provisioning and automated billing
Billing & customer care solution providing Business Support System solutions to service providers both domestically & internationally. Billing & customer care solution providing Business Support System solutions to service providers both domestically & internationally.
White label softswitch and billing used by VoIP service providers, Calling Card companies and wholesale voice termination. Our solutions are highly scalable, user friendly, modular, flexible, and integrated with a mature VoIP Billing System, Provisioning System, Auto-configuration system and variety of other advanced features. Using ATEL Softswitch ITSPs can offer Carrier/Wholesale Services, Residential VoIP and Calling Card Services, Conferencing, Voice Broadcast, multi tenant PBX Softswitch, Class 4/5 softswitch, Calling Card softsware. IVR Management, Call Center, Multi Tenant PBX, Call shop & Callback
Telefone Media is a global leading provider of customizable Premium Rate Numbers, Wholesale Routes, VoIP Billing Solutions, and Soft Switches.. VOIP billing solution with features such as reports, real time call management, and supported client accounts. VOIP billing solution with features such as reports, real time call management, and supported client accounts.
Solution for ISPs and telecom operators - convergent billing includes mediation, provisioning, customer self-care portal, payment gateway and completely marketing support. Solution for Service Providers and Telecom - convergent billing includes mediation, provisioning, self-care portal and payment gateway.
Wholesale billing solution with switch to bill traceability, rating engine, and event level re-rating support for B2B settlements. Wholesale billing solution with switch to bill traceability, rating engine, and event level re-rating support for B2B settlements.