Best Online Bill Paying Software and Services

The Internet has made time-saving, online bill payment possible for the masses. You can use an online bill pay service to set up a secure online account that lets you pay all your bills from one place.

Online bill pay saves time and effort​ and automating your online payments helps you avoid late payments despite your busy schedule. Many banks offer some form of bill paying feature through their websites. Read on for more information about the best online bill pay services.


Use PayTrust and you will probably never receive another paper bill again. This online bill pay service can make payments to any company or individual in the U.S. The company retains images of bills and payment information for seven years, and you can get a CD that holds a record of your yearly bill payment data.

Quicken Bill Pay

Quicken Bill Pay works as an online bill pay service that you can use with Quicken personal finance software, but you don't have to own Quicken to use the service.

Although not as feature-rich as PayTrust, Quicken Bill Pay offers many of the same features. Quicken Bill Pay also offers a free trial.


MyCheckFree, from the banking service giant Fiserv, is one of the best free online bill pay service available.

MyCheckFree lets you pay bills online from hundreds of companies. Scout the dog, the service's mascot, "fetches" bills for you. It may seem a little corny, but the price of MyCheckFree (it's free) makes the dog quite tolerable.

Yodlee MoneyCenter

Online personal finance software Yodlee MoneyCenter allows you to set up online bill pay through multiple banks or credit cards. Yodlee does not charge for the service but checks with banks or credit cards you want to use as funding sources to see if they will charge a fee.

Another plus to MoneyCenter: Yodlee's Bill Pay Account Accelerator makes it easy to switch funding sources for payments.

Mint Bills

Mint is a free online personal finance service from Intuit that helps you manage your personal finances and accounts on the web as well as through convenient mobile apps.

Mint's related, but not integrated, bill paying application Mint Bills, offers a free service that lets you aggregate all your bills in one place and pay them with a bank account. You'll pay a fee to pay with a credit or debit card.

Mint Bills offers the usual features, such as the ability to set up reminders for bill due dates and alerts for low funds in cash accounts or when your credit cards near their limits.

Mint Bills also offers mobile apps for iOS, Amazon, and Android devices.

Banks, Brokerages, Credit Cards, and Online Financial Apps

Many banks, brokerages and credit cards offer free online services, including bill payment through their websites. However, these online banking sites may not provide all the features that a dedicated online bill pay service offers. Consider the reasons for using online banks and their services to see if they can meet your needs.

Financial institutions that offer bill pay services usually let you schedule payments in advance, and if you have a credit card that awards cash back or points for purchases that you pay off every month, using this type of online bill pay can be especially beneficial.