Reasons Why You Should Pay Your Bills Online


With the rise of internet and e-commerce nowadays, almost everything can be done online. You can trade stocks online, you can shop online, and you can also pay your bills online. It provides convenience and saves you time and money.

If you’re responsible for paying the bills, you probably know what’s involved – paperwork, clutter, and lots of time preparing your checks and falling in line. Wouldn’t it be great if you were never bothered with tedious bill-paying chores again?

Here are five good reasons to pay your bills online:

Convenience: The top most reason is convenience. The average household pays about five bills every month. You write a check and send it to the same company every month. That process takes some of your time each month. What’s more, most bank websites offer the possibility to even download payment records so you can keep track of your expenses.

Control. Ever been charged a late fee? You may know you paid on time but you can’t prove it. Once you’ve dropped that check, you don’t have control over the payment process. Some banks usually allow three days just to clear check payments. With online bills payment, you can schedule your bills payment.

If you want a bill to be paid by the 23rd, schedule it to be paid by the 23rd and it’s guaranteed to get there on time. You can control when money comes out of your account and you have a more detailed history that you can keep by hand.

Flexibility. Some online bills payment services have “e-billing” features which sends reminders to remind you on the cut-offs of your bills. With e-billing, bills are usually sent to your bank’s web site. The e-bill can meet you at the bank’s secure website and you can ask them to send an email to let your know when it arrives.

Even if someone could get to your email, all they can really do is to pay your bill. They can’t take money out of your account.

Security. A lot of people do not have the courage to pay their bills online because they do not trust the service itself. When you bank online, you’re protected by a lot of legislation and regulations. Banks are responsible for protecting you at an even greater level than with the checking.

To further increase the security when paying your bills online, do not tick the “remember password for sites” when using a Firefox browser in surfing the internet. I’ve recently visited a bank’s website using my own laptop and each time I logged in to my account, the username and password has already been remembered. I tried to clear both cookies and cache but it’s still there until I disable the remember password for sites option under security settings.

As for me, all my bills are consolidated and auto debited in one credit card for easy handling and monitoring. Instead of worrying about cut-offs of those individual bills, I just have to worry about the cut-off of my credit card bill to avoid late payment charges. I just need to check each individual statement of account when it arrives to my billing address to check for any disputes.


Tyrone is a passionate financial literacy advocate. He started this blog on November 2008 when he watched The Secret which talked about Law of Attraction because he wanted to become a millionaire and wanted to know how a millionaire acts. At the age of 26, he achieved his first million. To find out more about him, click here or follow him at Instagram

6 responses on “Reasons Why You Should Pay Your Bills Online

  1. Indeed very convenient bank facility and its paperless :). For me, i just keep the confirmation from the bank and a screenshot of it during online payment. I’ve experienced one time that the establishment was not able to acknowledged my payment so I show them the screenshots I have.

    Btw, you can’t clear your password at Firefox by just clearing cookies and cache. Although disabling Remember password works, you should also click the “Saved Passwords” and totally remove your password saved.

  2. It really helps me a lot and very convenient, if you are single and OFW. Every time I visited Philippines I normally stayed in my condo in Makati and a house in Cavite. Before I left the country I gave the amenities payment to my nieces to pay my bill with extra amount because nobody knows how much I should pay for my electrical or water bill etc. for my three weeks stay. Unfortunately, many occasions my electricity was cutoff in both places due to unpaid bills. I could not blame my nieces because they are busy in school; I am just asking favor from them. Thanks GOD, Pay Bill on Lines was created, no more headache for me. I just open a savings account exclusively for paying all my bills on lines. Paying Bills on Lines are not only for normal consumers who wished to have a convenient approach in paying bills but to also to all OFW…

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