How to Pay a Bill Online From Home

By Anthony Oster

It is estimated by the Government Finance Officers Association that approximately 85 percent of households in the U.S. bank online each year. Paying bills online allows you to manage all of your expenses interactively and quickly, avoiding the need to visit the post office and without the hassle of needing to purchase stamps. While different companies have varying methods of accessing online payment services, there are several fundamentals that are common among many online bill payment services. Many merchants require that you pay your bill online through an electronic bank draft or with a credit card.

Things You'll Need

  • Account Numbers
  • Checking account and routing numbers

Step 1

Log on to the website of the company that has sent you a bill. Refer to your bill for information on the company's website.

Step 2

Log in to your account with your user name and password. If you do not have a user name or password, you may create one by opening links that state "enroll" or "create an account." You may be required to have account information, such as your account number and payment source.

Step 3

Follow the prompts and fill in the required information to create your user account. When asked to select a funding source, you may be asked to choose from either a credit or debit card, or enter your checking account information. This information may be stored on your account for later use.

Step 4

Select the option to make a payment. This will often be listed under your account information after you have logged in. Select the amount you wish to pay, your funding source and when you would like the payment to be delivered. Submit your payment to pay the bill.

Tips & Warnings

  • Many banks offer free or low-cost online bill payment options for their customers. You may set up a list of payees, set a frequency for how often they will be paid and elect to send funds electronically or have your bank send the business a check.
  • Storing bank account and credit card information online can put your accounts at risk if they are not properly secured. Avoid using passwords that may be easily guessed, such as "1234," your birthday or "password," and verify that all information regarding your account is encrypted prior to entering that information. Websites will often identify the type of encryption they use to protect your account security.