How the next evolution of consumer bill pay makes it easier to do business

September 30, 2022

The next evolution of consumer bill pay provides a means to consolidate multiple billing channels into one integration point, to help fully maximize the potential of digital collections.

As businesses spent the last decade trying to match consumer needs, payments kept changing. The race to keep up with technology and shifting customer expectations meant things were moving more digital. Accepting credit cards, ACH and other new payment types cut costs and increased efficiency. Despite the benefits, the road to digital transformation still has some bumps. 

“Right now, each billing channel typically requires its own integration into the company’s digital ecosystem,” says Sam Robb, Senior Vice President, Head of Receivables and Healthcare Product Management. “And once a business starts to go digital, the inefficiencies with paper processing become even more exposed.”

Managing the various existing and emerging bill pay channels proves cumbersome and complex for businesses. Fortunately, the next evolution of consumer bill pay addresses those issues, as well as the challenges with different file types, disparate portals and remittance processing that many businesses face. 

Billing gateway platforms are being developed that make it easier for businesses to connect with various portals as opposed to being forced to develop distinct and unique integrations to meet consumer expectations. This model can more easily integrate new billing delivery channels as they come online in the future, driving customers to digital payments.

Here are three ways this kind of billing gateway would help businesses travel further down the path to full digital transformation:

Simplify billing integrations

Most companies support sending paper and electronic bills today, and new delivery mechanisms are continuing to emerge. The challenge comes from each one of those channels having its own file specifications to support the delivery and presentment to the end customer. 

A billing gateway eliminates that struggle.

Instead of each billing channel having its own file, businesses would only have to send one file to their bank. Then the bank would send the right bills and data to the right place, in the right format, saving time, energy and cost. Businesses can now offer multiple digital delivery mechanisms, helping to drive adoption of their preferred payment types to flow seamlessly into the rest of their digital ecosystem.

“Everyone is looking to be leaner or more efficient. A billing gateway can truly transform the way you distribute bills and manage payments – so fewer people can accomplish more faster,” says Robb.


Read more: Discover how U.S. Bank is modernizing consumer bill pay

Add new channels

The more technology improves and new payment types increase efficiency and save money, the more companies are incentivized to transform their business with the latest offerings. But every added payment type brings new obstacles. Businesses have to figure out how to integrate the new channels into their billing system. For example, they need to manage segmenting their customer base by the bill presentment preference, as each new option is added.

A billing gateway makes it easier to manage existing outgoing bills, but it also makes it easier to add on new options, like real-time payments and any future innovations that come next. This helps if businesses are already well on the way with their digital journey or if they’re new to the path. If they’re already processing multiple digital payments, a billing gateway simplifies that process. If they’re still waiting to embrace digital, starting this way with one consolidated file will make the onboarding much easier.

Migrate more customers

No matter how far a company travels on its digital journey, there will be challenges with migrating customers to new channels. By now, customers are familiar receiving messages like: “Click here to go to paperless bills.” As digital payments emerge, the “go paperless” message can expand into: “Move to the payment type that works best for you.” It’s easier to enable this type of transition with a bill payment gateway. If back-end processes are streamlined, there can be greater focus on maximizing efficiency.

The billing gateway makes it easier to move customers to digital methods without disruption to a business’s current operations. For example, “as businesses continue to move away from paper to more efficient payments to reduce cost, one seamless integration point allows this to occur without costly changes to back-end systems,” says Robb.

The future vision of bill pay leads to improved business management

With billing being such a fundamental part of day-to-day operations, billing gateways can simplify processing and allow businesses to embrace the latest and future technologies with fewer back-end manual tasks. As technology improves, integration and connection have never been more important. The ways multiple billing and payment types can be consolidated and become part of a customer’s receivables ecosystem with less hassle will pave the way forward toward true advancement.


The payments landscape is constantly evolving. Reach out to your U.S. Bank representative today to continue the journey together.

Related content

Can faster payments mean better payments?

3 ways to make practical use of real-time payments

Enhancing the patient experience through people-centered payments

Banking connectivity: Helping businesses deliver the easier, faster, more secure customer experience of the future

A simple guide to set up your online ordering restaurant

Making the cross-border payment decision: Wire or international ACH?

Creating the ideal patient journey

Instant Payments: Accelerating treasury disruption

Addressing financial uncertainty in international business

Escheatment resources: Reporting deadlines for all 50 states

Role of complementary new channels in your payments strategy

Crack the Swift code for sending international wires

Managing cross-border payments in emerging markets

Navigate changing consumer behavior with service fees

ABCs of APIs: Drive treasury efficiency with real-time connectivity

Benefits of billing foreign customers in their own currency

Payment industry trends that are the future of POS

3 benefits of integrated payments in healthcare

Standardizing healthcare payments

Take a fresh look: mass transit is going places

White Castle optimizes payment transactions

Webinar: CSM corporation re-thinks AP

Integrated payments healthcare benefits

Drive digital transformation with payments innovation

Unexpected cost savings may be hiding in your payment strategy

Want AP automation to pay both businesses and consumers?

Ways prepaid cards disburse government funds to the unbanked

Webinar: Approaching international payment strategies in today’s unpredictable markets.

Three healthcare payment trends that will continue to matter in 2022

5 reasons to upgrade B2B payment acceptance methods

Rent payments: What’s changing for commercial real estate

Consolidating payments for healthcare systems

ePOS cash register training tips and tricks

Restaurant surveys show changing customer payment preferences

Restaurant surveys show changing customer payment preferences

Transition to international ACH

Increase working capital with Commercial Card Optimization

Modernizing fare payment without leaving any riders behind

4 benefits to paying foreign suppliers in their own currency

3 reasons governments and educational institutions should implement service fees

Tap-to-pay: Modernizing fare payments pays off for transit agencies and riders

Tech tools to keep your restaurant operations running smoothly

The future of financial leadership: More strategy, fewer spreadsheets

The surprising truth about corporate cards

Understanding and preparing for the new payment experience

How Everyday Funding can improve cash flow

Demystifying ISO 20022

4 ways Request for Payments (RfP) changes consumer bill pay

Access, flexibility and simplicity: How governments can modernize payments to help their citizens

Automate accounts payable to optimize revenue and payments

Automate escheatment for accounts payable to save time and money

Cashless business pros and cons: Should you make the switch?

Higher education and the cashless society: Latest trends

How to improve digital payments security for your health system

Key considerations for online ordering systems

5 winning strategies for managing liquidity in volatile times

How the next evolution of consumer bill pay makes it easier to do business

Managing the rising costs of payment acceptance with service fees

Safeguarding the payment experience through contactless

COVID-19 safety recommendations: Are you ready to reopen?

What corporate treasurers need to know about Virtual Account Management

Top 3 ways digital payments can transform the patient experience

Hospitals face cybersecurity risks in surprising new ways

Webinar: AP automation for commercial real estate

How AI in treasury management is transforming finance

Hospitals face cybersecurity risks in surprising new ways

Enhancing the patient experience through people-centered payments

Digital trends poised to reshape hotel payments

Transition to international ACH

Unexpected cost savings may be hiding in your payment strategy

Colleges respond to student needs by offering digital payments

How Everyday Funding can improve cash flow


Start of disclosure content

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.