There are four types of E-Bills:
1. E-Bills which require login information that you have established at a payee's website. These bills do not count as transactions.
2. E-Bills which are generated by the payee and sent to us. These E-Bills are considered transactions.
3. Paper bills which are sent to our processing center and scanned into your website. These E-Bills are considered transactions.
4. Your member bill. This does not count as a transaction.




What are the advantages of E-Bills?

• E-Bills are 100% digital, so they're clearer and more legible than scanned bill images.
  
  
• E-Bills are retrieved directly from your payee's Web site, so you're always viewing your most accurate, timely billing information.
  
  
• E-Bills arrive faster than redirected paper bills, making sure you have plenty of time to review your billing information and schedule payments.
  
  
• E-Bills are FREE! Perhaps the best thing about E-Bills is that you don't have to pay a transaction fee for receiving them. Receiving an E-Bill in your Inbox is absolutely free! (The transaction fee for receiving redirected paper bills is $0.50 per bill)

With E-Bills, you may continue to receive your paper statements at home - or, depending on your payee's capabilities, have the paper turned off - you decide! And by not having to redirect your paper bills to the Paytrust Processing Center, your payee will be able to maintain your home address on file so that non-bill related information (such as replacement credit cards or announcements of special sales) can be mailed directly to you at home.




When registering a payee for E-Bills, which User ID & Password do I enter?
When adding or editing an E-Bill-enabled payee to your Paytrust account, you will be prompted to enter your login information for that payee’s Web site - exactly as you would if you were accessing your account at their Web site. If you are not yet registered for online access to your account through the payee’s Web site, please take a moment to do so before continuing with the E-Bill setup process. Note that you should enter your User ID and Password (or other requested information) for the payee’s Web site - not your Paytrust User ID and Password.




Is the login information for my payees’ Web sites kept private/secure?
Paytrust is committed to safeguarding the privacy and security of all of your personal information. Your login information is kept confidential, and is used only to retrieve an electronic version of your bill from the payee’s Web site so that we can present it to you online within the Paytrust Bill Center. For your security, the login credential information you enter is encrypted using 56-bit or 128-bit encryption.




Which billing address is used for E-Bill-enabled payees?
Enabling Paytrust to securely retrieve E-Bills from your payee’s Web site eliminates the need to change your address on file with that payee and redirect your paper bill to the Paytrust Processing Center. Maintaining your home address on file with the payee is especially advantageous for credit card payees, as you won’t need to remember your Paytrust billing address when conducting online shopping transactions. You won’t need to worry about distinguishing between your billing and shipping addresses, or being asked to provide this extra information in order to verify your identity with the payee. Furthermore, all non-bill related information (such as replacement credit cards or announcements of special sales) from E-Bill-enabled payees can be mailed to you directly at your home or service address.




I registered a payee for E-Bills. Why am I receiving the paper bill at home?
Some payees may continue to send a paper bill to your home even after you begin receiving the bill online. To avoid making duplicate payments, it is best to pay only those bills that arrive online in the Paytrust Bill Center. If a duplicate paper bill is received at the Paytrust Processing Center, it will be scanned and presented to you as a notice (rather than a bill), and a Change of Address form will be issued requesting that your paper bill be redirected to your service address. Some payees may offer the option of "turning off" the paper bill - either by indicating such a preference on their Web site, or by contacting their Customer Service department via phone or email.




When I switch an existing payee from scanned bills to E-Bills, what happens to the paper bills that were previously redirected to Paytrust?
When you setup a payee for E-Bills, your next billing statement should arrive in the new E-Bill digital format. A Change of Address notice will be sent to your payee, requesting that your paper bill be redirected to your home or service address. If a duplicate paper bill is received at the Paytrust Processing Center, it will be scanned and presented to you as a notice (rather than a bill). Some payees may offer the option of "turning off" the paper bill - either by indicating such a preference on their Web site, or by contacting their Customer Service department via phone or email.




Are payments to E-Bill-enabled payees made electronically?
The fact that a payee is enabled for the presentation of E-Bills is not necessarily an indication that they can accept payments via electronic funds transfer (EFT). E-Bill presentation and EFT payment are distinctly separate technology initiatives. Depending on the particular payee’s capabilities, payments are issued either electronically or via paper check.