11 Best Bill Pay Apps for 2025: Find the Right Tool to Manage Your Finances

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Paying bills doesn’t have to be a hassle. With a bill pay app, you can automate payments, avoid late fees and view all your bills in one place — saving time and reducing stress. There are apps that can tackle your daily transactions, send money internationally or help the seniors in your life pay their bills. Check out this guide to the best bill pay apps to find out what is the right fit for you. 

11 Best Bill Payment Apps and Services

If you’re looking for the best bill pay apps and services to use, here are 11 top options to consider.

Doxo

• Best for: Individuals seeking an all-in-one platform to pay for bills, rent, utilities and more.
• Key features: It has all-in-one bill pay to over 120,000 billers, real-time bank balance access, payment tracking and reminders.
• Cost: Free for basic bill payment, reminders and tracking; DoxoPLUS subscription is $5.99 for credit score monitoring, identity theft protection and overdraft and late fee reimbursement.  
• Why we like it: It is a user-friendly, comprehensive platform that supports various payment methods including bank accounts, credit and debit accounts, and Apple Pay. 

Papaya

• Best for: Those who love to use their phone to take pictures will love Papaya. Simply snap a photo of your bill and confirm the payment method. You can pay rent, utilities, medical bills and more.
• Key features: You can snap-to-pay and track your bill payments. The app is compatible with various payments like credit and debit cards, bank accounts, and FSA and HSA cards.
• Cost: Free
• Why we like it: Papaya is a clever alternative for those who aren’t in love with online bill pay. The snap-to-pay option is convenient for those who prefer paying bills on their phone. 

Paymentus (Formerly Finovera)

• Best for: Those who loved Finovera’s ability to download statements in one place will enjoy this app. It also provides a spending analysis so you can make changes to your financial habits if necessary. 
• Key features: It automatically downloads 12 months of statements from linked accounts to provide a comprehensive financial history. Paymentus will send notes for upcoming bills and will flag unusually high bills. Available as an app and online. Bills can be seen on a central dashboard.
• Cost: Free
• Why we like it: With its free access and ability to centralize all your bills onto a single dashboard, users like the consolidation that the Paymentus app offers. You can pay all your bills from one account. 

Quicken Bill Pay

• Best for: Quicken Bill Pay is best for individuals and small businesses that want to use bill pay software for payment. The software automates bill tracking and payment.
• Key features: You can send electronic payments to over 11,000 billers. You can mail checks to U.S. payees without needing to physically write or mail the checks. The software is equipped with cash flow forecasting.
• Cost: Free to use if you subscribe to Quicken Premier or Quicken Home & Business Software. Otherwise, it is $10.99 a month.
• Why we like it: Quicken Bill Pay combines bill payment with financial management tools that likely will appeal to individuals and business owners. It offers both electronic and check payments so there is no need to juggle multiple platforms. 

SilverBills

• Best for: SilverBills is best for seniors who prefer a hands-off approach to bill management. It’s perfect for those who prefer not to use computers or aren’t particularly tech-savvy.
• Key features: A dedicated bill manager offers personalized service and handles a broad spectrum of bills like utilities, rent, mortgage, insurance premiums and more. There is secure document management and fraud monitoring. 
• Cost: A base subscription costs $200 per month for up to 20 payments and $10 additional for each payment that exceeds 20. There is a $100 per hour charge for additional services.
  Why we like it: People who may not be tech-savvy can benefit from an account manager’s personalized service. It is easy to use and has secure document storage as well as monitors for fraudulent activities.  

Everyday Money Management

• Best for: Everyday Money Management is best for older adults, those with chronic illness and anyone seeking day-to-day management with bill pay, insurance claims and mail organization. In-home consultations provided to those who live in Maryland, Virginia, Washington, D.C., as well as in the Berkshires (MA, CT, NY).
• Key features: Everyday Money Management provides in-home consultations in certain states. This service offers daily mail management, tax organization, bill and insurance claims management, as well as banking and notary services.
• Cost: Prices are not transparent on the website. Contact Everyday Money Management. 
• Why we like it: A daily money manager provides clients with personalized services from comprehensive bill payments to insurance claim management, catering to diverse financial needs.

Plumb Bill Pay

• Best for: Plumb Bill Pay is best for high-net-worth individuals and family offices. The app offers comprehensive management including the bill payment process, vendor management, expense tracking and account reconciliation.
• Key features: Offers real-time access to financial data and streamlined bill approvals. The site is secure with 2FA and encryption. Each client is assigned an account professional and client relationship manager for personalized service.
• Cost: Bill pay depends on the number of transactions you have in one month. The website requests that you fill out a questionnaire to determine your cost for the service.
• Why we like it: Plumb Bill Pay offers tailored solutions to high-net-worth individuals. The service also interacts with the client’s existing financial team including CPAs, existing advisors and attorneys. 

BillTrim

• Best for: Individuals who seek a hands-off approach to everyday bills like cable, utilities and insurance. BillTrim offers to negotiate your bills on your behalf when it notices a higher charge. 
• Key features: Professional negotiation is one of the highlights of this bill-paying service. Also, continuous bill monitoring alerts you to any bill increases and negotiates before the payment goes through via autopay. If BillTrim doesn’t save you $300 in the first year, your fee will be refunded.
• Cost: $99 for a lifetime membership.
• Why we like it: BillTrim is accessible for most people with its $99 lifetime membership fee. The app focuses on finding the least expensive options for daily services so you’re not overpaying for a service. There are 20,000 service providers that are available. 

Western Union

• Best for: Individuals who want to send payments internationally and domestically to those who don’t have a bank account. You can send money online, in person at an agent location or via a mobile app.
• Key features: Available in over 200 countries and territories, with a network of more than 500,000 agent locations worldwide. Multiple ways to transfer money and live tracking of transfers as well as payments.
• Cost: Varies; contact Western Union for more details.
• Why we like it: Western Union is versatile in that it offers bill pay services as well as money transferring services across the United States and internationally. Western Union was founded in 1851 and has a long-standing history of being a dependable money transfer service. 

Walmart Bill Pay

• Best for: People who want to pay for transactions in cash or via debit cards. It is meant for individuals who don’t have traditional banking services and want to take care of payments while doing some shopping.
• Key features: Pays bills to over 15,000 billers including utilities, rent, credit cards, insurance and more. You can make payments at over 4,000 Walmart locations. You can also receive digital receipts for your transactions.
• Cost: Fees start at $1 and vary depending on the biller.
• Why we like it: If you shop at Walmart, you can add “pay bills” to your shopping list. The store offers bill pay services through CheckFreePay, MoneyGram and Western Union. Walmart Bill Pay is accessible within a vast network of stores. 

Online Banking Through Your Bank or Credit Union

• Best for: Those who want a secure, centralized and free way to pay bills directly from their checking account and don’t want the hassle of handling multiple accounts. 
• Key features: Free bill payments and the setup of automatic payments to avoid missing due dates. There is payment tracking and e-bill integration.
• Cost: Free
• Why we like it: Online banking with your bank or credit union is a trusted way to pay bills because of the financial institution’s security measures. It saves time since you don’t need to visit several websites, and it is a reliable payment method because of your financial institution’s guarantee of funds. 

Best Bill Pay Apps and Services: At a Glance Comparison

Which Bill Pay App Should You Use?

If you’re trying to find out which bill pay app you should use and need some guidance, take a look at these suggestions:

• Want basic automation for free? Try Papaya or Paymentus
• Need financial management tools? Use Quicken 
• Looking to help a parent or senior? SilverBills or Everyday Money Management
• Want to reduce bills automatically? Try BillTrim
• Want to send money internationally? Western Union
• Want to take care of shopping and bill pay? Walmart Bill Pay
• Want personalized services if you’re a high-net-worth individual? Try Plumb Bill Pay

Final Take 

Pick a bill pay app that fits your lifestyle and start automating your payments today. Simplify your budget, avoid late fees and take control of your monthly spending. You can find a bill pay app to fit your needs, and many are free so try a few and see what will work best for your finances. 

Allison Hache and Dawn Allcot contributed to the reporting of this article.

Information is accurate as of April 29, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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