HealPay Blog

DCI and decoupling business logic from ruby on rails

Every so often the rails community adopts new best practices and patterns because someone figured out a better way to architect their applications. One great example was when everyone was urged to push the logic out of controllers and move it into models. This solved a lot of issues for most applications. Now we’re able easily isolate and test away the logic on the model layer instead of the hard to isolate controller layer.

Pushing the logic to the models created a nasty side effect however. Our models became completely bloated and hard to maintain. They contained logic that we tried to abstract away into model classes or new modules inside of the lib directory with one-off abstractions with no clear home. I’m sure some of us already knew there was something wrong, but perhaps it was only a gut feeling because no one piped up! It wasn’t until I saw Uncle Bob’s keynote speach at Ruby Midwest 2011 that I realized there was a huge flaw in the status quo of rails development.

Read the rest here: http://lancecarlson.github.com/2012/05/15/dci-and-decoupling-business-logic-from-ruby-on-rails.html

New Beginnings at HealPay

We are excited to introduce our newest intern, Hakki Tomanbay, to HealPay!

Hakki emailed us a few weeks ago and began ‘hanging out’ at our office. After several weeks of job shadowing, we decided he would be a good addition to our team. Here is his story:

“I am a college student with little to no fear. Call me crazy but I will go for something without seeing the light at the end of the tunnel! I think this mindset makes me a great asset to a disruptive startup like HealPay.

After I caught wind of them looking for interns I immediately started inquiring with Lancelot & Erick about their business model and the technology they use. My focus was to know everything about their business. I am studying computer engineering but am also enrolled in a public speaking class. I decided to hit two birds with one stone and elected to give my speech on HealPay. My job was to give a persuasive speech on why collection agencies should use their SettlementApp.

I worked with Erick to get my pitch down and was able to deliver a solid presentation to a group of students who were left wanting to know more. It felt great. Creating something from nothing – fascinating.

It was an uncomfortable experience, but I believe that is how you learn and grow. By putting myself into an uncomfortable position I was able to push my boundaries and open new doors."

~Hakki Tomanbay
“From small beginnings come great things.”

Three Funding Tips from HealPay's Erick Bzovi

Want to know how to get your startup funded? HealPay’s co-founder is here to help.

“HealPay was bootstrapped initially, but once we had some traction we hit the fundraising trail,” said Erick Bzovi, who co-founded the payment processing application with Lance Carlson. “We talked to several VCs in the Midwest and learned quite a few things.”

Bzovi provided Benzinga with the following three tips for entrepreneurs who are looking to get funded:

• Have a prototype you can demo. Your pitch deck is not worth anything.

• If you’re looking for money, ask for advice. And if you’re looking for advice, ask for money.
• A lot of VCs are in an identity crisis mode. Find out if they truly make early stage investments. Most say they do, but actually don’t.

“We knew the investment climate was rosier for early stage startups in Silicon Valley and NYC, but we quickly realized our best chances of making it to the next iteration was to bring on strategic capital,” Bzovi said of his own startup. “We got lucky and found a group of angel investors with years of experience in the ARM space. The relationship has been great so far. I highly recommend entrepreneurs looking to raise funds to build strategic relationships in their domain first. Strategic relationships beget strategic capital.”

Last month, Bzovi said that HealPay opened its own office in downtown Ann Arbor. “Being a Spartan in Wolverine country is not fun; it’s terrible.” Bzovi joked. “But I don’t think there is a better place in Michigan to launch a company. Ann Arbor has all the right ingredients to be a real entrepreneurial hub. Some of the smartest people in the world are within walking distance, from Teacher to TechTransfer to TechBrewery.

Originally posted on 01/17/12 by Louis Bedigian from Benzinga

HealPay in 2012

Dear Internet,

I am writing you regarding some exciting updates to our company. 

Over the past year, we’ve focused on innovating the account receivables space by introducing new & exciting web applications. 

Currently, when you visit HealPay you can access our free Invoice application. Thousands of contractors and small businesses have signed up and continue to enjoy the service. Just recently, we received some press as a one of the Best Invoicing Tools amongst Design professionals. This was uplifting news for us!

Aside from our Invoice app, we’ve been developing another useful business app. SettlementApp is designed for large businesses who want to offer settlement options to their customers. Over and over again, we discovered that customers respond with greater satisfaction and loyalty to businesses that offer flexible payment options. This app allows businesses to traffic out custom settlement options to their customers in just minutes.

So, what updates are being made???

- HealPay will simply be our media site. You will be able to access our blog, Watercooler and other future developments here.
- Our Invoice app will be rebranded as BillerApp. We will be open sourcing the app as well! More info on this shortly…

Onwards & Upwards

We are extremely excited for 2012… We just moved into a new office in downtown Ann Arbor, Michigan. We feel re-energized, excited and committed to building a great company.

Thank you for all the support & have a wonderful Holiday Season,

Erick Bzovi
co-founder
734.272.4729
ebzovi@healpay.com

Hacker Beats – Music to Code To

For many coders, a necessarily fuel for productivity is our background music. Filled with the right combination of tracks, I’m able to zone out outside distractions and build momentum as I code. For me, what is most productive day-to-day changes significantly. Sometimes it’s classical, sometimes it’s rap, but most of the time it’s electronic. I find lyrics can be distracting at times, but for the most part I can tune it out.
Some of my favorite artists for allegro coding include:

Sorta old school artists
- Orbital
- Prodigy
- Banco De Gaia
- Timo Maas
- Hybrid
- Enigma

Dubstep
- Nero

- Skrillex

- Bassnectar

- Rusko

DnB

- Dieselboy

- High Contrast

- AK1200

Other goodies

- Deadmau5 (dead-mau-5?)

- Calvin Harris

- Squarepusher

- Avicii

- Paul Van Dyk

- Shpongle

- Booka Shade

I recently discovered the music service Spotify and paid for the premium subscription so I could listen to all my playlists in my car and while coding. It’s the best thing since Napster. What does everyone else listen to? I’d be glad to share more artists in my playlists if anyone is interested. I’m also curious what gets other programmers in the (M-x) code mode?

~Lancelot Carlson
@lancecarlson

Susan Tompor: Debt collectors may be willing to negotiate

What’s a sure-fire reason to pay off an overdue $500 credit card bill — or a $3,000 medical debt?

James Angelo chuckles a bit at the question.

“What we don’t ever know is what it’s going to take to get someone to pay their bills,” says Angelo, who joined his brothers in their debt-collection business in 1986 and now is president of J.J. Marshall & Associates, a collection agency in Shelby Township.

Angelo recalled one case in which all it took was one letter from his agency to convince a man to send a $10,000 cashier’s check to cover a debt. But at the other extreme was one consumer who had to be taken to small-claims court over a $400 dentist bill.
Many of us know one side of debt collection — people harassed by calls, or debtors illegally threatened by rogue collection agencies.

But Angelo pulled out his mini-recorder and played for me bits of the nasty calls he’s gotten — including profane tirades from people who say, basically, no, they’re not going to pay any money — but in far more colorful language.

These days, it’s tough to collect, and that hurts a business in which fees are based on a percentage of money recovered.

Angelo said his company, operating out of a small office building on Collection Drive — seriously — had 36 employees in 2008 before the financial meltdown but is down to 24.

His employees also took a 15% pay cut — “every one of us, including me.” As business has improved somewhat, 5% of that was restored in July.

Angelo said there is plenty of debt out there to recover, but layoffs, declining incomes and Michigan’s eroding population have made it harder. Nationwide, gross collections are down roughly 40% from the heyday of the 1990s.

That was triggered by the rush to refinance homes, which required consumers to pay up on old outstanding debts. They willingly wrote checks to collection agencies and others to clear up their credit reports, Angelo said.

“Without even really trying, we were really booming in the late ’90s,” he said.

These days, collectors may be more willing to negotiate.

Continue reading here: http://www.freep.com/article/20111127/COL07/111270416/Susan-Tompor-Debt-collectors-may-willing-negotiate

Put That TechCrunch Down

To the rest of the tech world: Detroit, Michigan must appear dead.

Detroit doesn’t have any startup launch parties and we certainly don’t praise funding announcements. Venture capital investment in Michigan companies during the first six months of 2011 plunged to its lowest level in 16 years. Ouch.

Unfortunately, this means our stories are never published in TechCrunch! #wahhh

Go ahead and run a search query on TechCrunch for the keyword Detroit. Thats right, there are only 3 stories this year with Detroit in the title.

So why do so many of us view TechCrunch as the holy gospel, as if it’s something that we can relate to?

Put That Coffee TechCrunch Down.

In the famous Glengarry Glen Ross monologue, the young Alec Baldwin emphatically grabs the attention of his underperforming sales team by calling them out. With a few expletives, he successfully drives the point home and gets them focused.

I’m not a physiologist, but rabid consumption and obsessive re-tweeting of the myriad of stories, like a photo sharing app raising $41 million dollars, seem to distort ones expectations. It creates a false sense of reality and that is the last thing we need clouding our minds in Detroit.

More Production, Less Consumption.

The startup community in Michigan is alive and well. Entrepreneurs are here and when we get together we get stronger. When we share our startups, our stories, and our failures the feeling is real.

Having worked in Detroit area startups for 5 years, I can confidently tell you there is a renewed interest in the city and its surroundings. Look no further than Michigan’s own Dan Gilbert.

You wouldn’t know that by reading TechCrunch.

(original post: http://www.growdetroit.com/put-that-techcrunch-down)

Rolling out the SettlementApp

As we evolve as a company, we often encounter new opportunity through feedback and conversation.

With that said, we decided to develop an application that helps collection agencies & law firms settle with debtors by allowing them to create flexible payment options in a matter of minutes.

SettlementApp is simple and effective.

Link: SettlementApp

HealPay in the ‎The Metropolitan d'Etroit

‎The Metropolitan d’Etroit put a nice article together on HealPay in their August edition.

View Article

Rolling out the HealPay Watercooler

With all the information floating around the web, we thought it would be a good idea to aggregate the best business content.

We just rolled out the HealPay Watercooler which we define as ‘a place to discover, discuss and share business content.’

The layout is similar to Hacker News or Reddit, however the voting system has a twist. We decided to implement Google +1. Unlike conventional ‘upvote-ing’, Google +1 socializes the content you upvote automatically, creating more awareness and hopefully ultimately more participation.

Link: http://healpay.com/watercooler

The true entreprenuer is...

“The critical ingredient is getting off your butt and doing something. It’s as simple as that. A lot of people have ideas, but there are few who decide to do something about them now. Not tomorrow. Not next week. But today. The true entrepreneur is a doer, not a dreamer.”

- Nolan Bushnell, founder of Atari and Chuck E. Cheese’s

How Collections "Work"

~Erick Bzovi @ebzovi on twitter

Corpus js, the microframework that drive's HealPay

Over the past several months we’ve been developing a micro-framework to drive HealPay’s newest changes. The web is trending towards “rich internet applications” and we decided that in order to provide the best user experience, we’d jump on the bandwagon as well.

This has many implications for our architecture:

*Scale better as we “dog food” our API using the framework
*We will be faster as we’re pushing a lot of the logic to the client (browser) and time spent on the server side of the request cycle will speed up tremendously without having to rely on rails helpers to generate html.
*By saving state in the client, we can support offline and anonymous sessions with greater ease across the application.

In order to accomodate this architectural shift, we needed to either leverage a pre-existing client side micro-framework, or create our own. There are actually several pretty good contenders out there, but none of them quite met our requirements.

Backbone.js: This micro-framework was on the top of our list to evaluate. Of all the other frameworks, it came the closest to meeting our needs, but fell short for a few reasons.
*Lack of associations – We had a need to nest several objects into one request and associations seem to be the best solution for this. Backbone js has the concept of collections, but these collections have no way of managing nested object trees. We needed to manage a top level invoice, which had many contacts, many line items, possibly an attached deal which also had many options. Backbone had no way to save this sort of object in one request without overriding the default toJSON behavior of which we wanted this functionality to be native.
*No single object sync/save – We liked the idea of being able to call invoice.save() without having to save on the collection. Backbone’s philosophy is that you rarely need to call save() on an individual record, and that your syncing usually occurs on a collection. We beg to differ.
*Views are a bit overkill I think for what we need them to accomplish.

Sammy.js: Is missing a model layer which was pretty huge for us because of the reasons already mentioned previously.

Sproutcore: The framework is a bit overkill for what we wanted, which is why we liked backbone to begin with.

js model: Is actually a decent model abstraction layer and well thought out. We borrowed some ideas from js model for our model layer, and also borrowed some of the bits we liked from backbone. js model alone wasn’t sufficient for our needs because we weren’t entirely pleased with the API and each class only maintains one collection at a time. This makes it easy to do lazy collections enhancements but we wanted to be able to management more than one collection per model at a time.

Since none of these frameworks did quite what we wanted, we created our own and it has served as well so far. It is able to accomodate our new RESTful API, it has sped up some of the requests in our app considerably as we offload the server-side view logic to the client, and has given us the ability to store the entire state of our objects on the client which will enable us to pursue the cool features we intend to implement soon (like auto-save).

Much like backbone js, we let you define models and helper methods on those models for use in your views (almost like a display object), but we also included associations. Now, when a call to invoice.save() happens, it includes all of the nested objects like contacts, line items, etc.

We also provided the ability to save outside of a collection, and on an object by object basis. Additionally, we established a new convention for routing javascript logic and organizing view logic.

If you’d like to check out the project in more detail, visit the project home page!

~@healpay

Invoicing Should be Free.

After all, the price of emailing an invoice is zero.

If you like free stuff, sign up for HealPay :]

You’re Welcome,
@healpay

Loyalty Programs Remixed

Unless you are a professional marketer, or a Chief Marketing Officer, you probably don’t know much about loyalty programs.

Wikipedia defines loyalty programs as ‘structured marketing efforts that reward, and therefore encourage, loyal buying behavior’.

Loyalty programs are hot right now. The results from this Google search are astounding. It seems like every business is trying to win your loyalty by giving you a rewards card! Businesses are spending more time, money + energy creating & enhancing their loyalty programs.

Fortunately, with the rise of web/mobile apps, businesses are leveraging new technologies to create innovative ways to build consumer loyalty. Look no further than Foursquare and Starbucks for proof. Yet in this day and age, technology is NOT everything…

Some tried-and-true methods to build consumer loyalty include:

*Quality Customer Service & Support
*Be Reliable
*Offer Incentives
*Be Flexible

Some may call this common sense or “Business 101”, but I’m willing to wager that most CMO’s are more passionate about developing a branded iPhone application, than developing consumer loyalty the old fashion way.

While developing HealPay, we became enthralled with Behavioral Economics 1. It turns out human behavior is a great professor. Over and over again, we discovered that consumers respond with greater satisfaction + loyalty to businesses that offer flexible payment plans.

HealPay gives businesses the opportunity to create flexible payment options on the fly. We cordially invite you (and all CMO’s) to sign up. ☺

notes:
1 I highly recommend picking up the book, Predictably Irrational: the Hidden Forces that Shape our Decisions

~Erick Bzovi @ebzovi on twitter

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