Best Online Bill Paying Software and Services

The internet has made paying bills fast and easy for anyone. Using an online bill pay service, you can set up a secure online account that lets you pay all your bills from one place, saving time and effort. Not only that, but you can avoid late payments with automated payments or scheduled reminders and alerts.

Each online bill payment service—whether it's a specialized software program, an app, or a website—will offer slightly different benefits. These might include same-day payments, juggling paper bills, or set-it-and-forget-it automation. When choosing the right program for your situation, keep in mind price, convenience, and reliability—the last thing you need is your bill payment service neglecting to send your bills on time. Make stamps and late fees a thing of the past by signing up for a service that fits your needs.


You'll never need to miss another bill again with Prism Money. This app tracks your bills for you and sends you updates and reminders when your due date nears. It shows an overview of all of your bills in one place and lets you pay each bill any way you want: with a credit card, debit card, prepaid card, or your bank account. Plus, Prism even offers same-day bill pay, which could come in handy if you've forgotten a bill until the last minute.

Prism joined with BillGO in 2018 and positions itself as an alternative to Mint Bill Pay and Unbill now that those services have gone away. You can download Prism for free on iPhone, Android phones, Windows phones and computers, and Kindle tablets.

Quicken Bill Pay

You can use Quicken Bill Pay as a supplementary service to Quicken's financial software, or use it on its own. If you are a Quicken Starter or Deluxe customer, Quicken Bill Pay is $9.95 a month. If you have Premier, the service is free.

Quicken Bill Pay lets you pay all of your bills from one place. You can access both e-bills and manual bills, plus review and schedule everything right from your dashboard. Also, when you pay bills through Quicken Bill Pay as a Quicken user, your transactions are automatically updated.


MyCheckFree, from the banking service giant Fiserv, lets you pay bills online from hundreds of companies. Although the site's design is outdated (Scout the dog, the service's mascot, "fetches" bills for you), the price of MyCheckFree (it's free), plus the service's 100% guarantee, makes it worthwhile.


Paytrust's service includes handling your paper bills for you, by scanning and displaying them online. Since it also handles e-bills, that means no matter what kind of bills you receive, you can pay everything in one place.

Paytrust offers a one-month free trial; the service is $9.95 a month after that.

Prepaid Cards or Credit Cards

If you have a credit card or a prepaid card, you can use it to pay bills online. For prepaid cards, you'll need to make sure the card is registered to you and that it is loaded with enough money to cover the bill. Credit cards are already registered to your name and you pay using your line of credit.

With both kinds of cards, you can make a one-time payment or set up recurring bill payments. 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.

Your Bank or Credit Union

Many banks, brokerages, and other financial institutions offer free online services, including bill payments 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, which is useful for avoiding late payments.

Through the Company's Website

Of course, you can always visit your biller's website or online bill pay portal to pay them directly. When you choose this method, you provide the biller (whether it's a utility, mortgage company, phone company, or other service provider) with your financial information and authorize them to withdraw the amount of your bill.