Unfortunately a lot is written about payments by well meaning writers who have no idea what they are writing about.
Take this article (please) as an example;
It is completely inaccurate and defines the concept of comparing apples to oranges. Matter of fact, it is more like comparing apples to popcorn.
Luckily a lot of other folks, who do know something about this realm, pounced on this article as well.
It screams a real lesson – qualify your sources of info!!!