Home Learn MoreFeatures" onmouseover="enroll.src=enroll_off.src;window.status='Enroll Now';return true;" onmouseout="enroll.src=enroll_on.src;window.status='';return;">Enroll Now
HomeFAQContact Us

Frequently Asked Questions

Getting Started with Paytrust

How Paytrust Works

Paytrust Capabilities

SmartBills™

Privacy and Security

Client Services


Frequently Asked Questions

Here are answers to some commonly asked questions about Paytrust.
Please look through the categories to the left. If you do not find the answer
to your specific question, or would like additional information,
simply contact us at info@paytrust.com.

How is Paytrust different from online banking?
How much does it cost to subscribe to Paytrust?
Can I use Paytrust for my small business?
How much does it cost to subscribe to the Paytrust Small Business Edition?
Who authorizes payment amounts and dates?
Can I use Paytrust to pay anyone?
Can I still see the details of my bill before I approve it?
Can I print a copy of my bill?
Is Paytrust compatible with Quicken, Microsoft® Money and Excel?
What happens if I have a dispute with a payee?
Is Paytrust available in my area?
How can I get help or have a question answered?
Can I access my bank account balance through Paytrust?
What is my billing address with Paytrust?


How is Paytrust different from online banking?
Paytrust is a complete Internet solution for bill delivery, payment and management. It works with any bank and any payee you may have. While many banks offer the ability to issue payments online, you're still required to track and manage all of the paper bills that come to your house. By receiving your bills and managing the process online, Paytrust truly removes the burden of handling monthly bill payments. And Paytrust allows you to make payments to anyone – even someone who doesn't normally send you a bill. So you can have fewer headaches, fewer worries and a lot more free time.


Back to Top

How much does it cost to subscribe to Paytrust?
Even if you are familiar with all the benefits of Paytrust's Complete Bill Management service, you may still decide that you prefer to receive all of your bills at home rather than online. Or, you may need the convenience of online bill management for your Small Business. Whatever your needs, Paytrust has a service plan to match. Select from the following flexible account options:
  • Complete Bill Management - Paytrust’s flagship award-winning service that enables you to receive, review, pay and organize all your bills online in one secure and convenient location. There are two price plans to choose from for Complete Bill Management:


  •  Plan 1
     
     Plan 2
     

    *Receiving a bill and paying a bill are considered separate transactions.


Even with our Bill Pay Plus service, you get much more than you would with a typical bill-pay service. Compare Paytrust to bank bill-pay services. You'll see why more people have chosen Paytrust for their bill management needs than any other similar service.

Please note: Your monthly service fee is automatically debited each month from the default payment account you specify. A notice from Paytrust will appear in your Outbox seven days prior to the due date and will be filed once the payment is made.


Back to Top

Can I use Paytrust for my small business?
The Paytrust Small Business Edition is a service designed to handle the unique needs of a small business. This version of Paytrust includes customized features such as integration with QuickBooks®, a dedicated client services team and the ability to include a business name on payments made to payees.


Back to Top

How much does it cost to subscribe to the Paytrust Small Business Edition?
The Paytrust Small Business Edition is available for a low monthly fee of just $19.95 plus $0.75 per payment. Fees subject to change.


Back to Top

Who authorizes payment amounts and dates?
Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or regularly occurring bill that you would like to have paid each month, Paytrust can be instructed to do it for you automatically. Please note: Your Paytrust service fee will be automatically debited from your default payment account each month.


Back to Top

Can I use Paytrust to pay anyone?
You can use Paytrust to pay anyone with a U.S. mailing address. To issue a payment from the Paytrust Bill Center, you will need to set up a Payee Profile. Most payees are Business Payees, and many of them can be found in our Common Payees database. Some payees may be a little more unique, such as a neighborhood lawn service or a friend you wish to give a gift check. You can enter complete contact information into a Personal Payee Profile, and we can issue payment to anyone you want. Please note: certain payments, such as tax payments to the IRS are discouraged, but may be scheduled at your own risk.


Back to Top

Can I still see the details of my bill before I approve it?
Yes, Paytrust provides both summary and detail information for your bills. You can view or print a full image of the bill at any time.


Back to Top

Can I print a copy of my bill?
Yes, it's easy to print a copy of any of your bills in the Paytrust Bill Center. Just click on your browser's Print icon.


Back to Top

Is Paytrust compatible with Quicken, Microsoft® Money and Excel?
Paytrust integrates with leading personal financial management software, including Quicken, Microsoft® Money and Excel. It's simple to merge your bill payment data with the rest of your financial records. From the Paytrust Bill Center, select the format that you would like to download your payment data into. You can choose the Quicken and Microsoft Money QIF file format, or the Microsoft Excel CSV format.


Back to Top

What happens if I have a dispute with a payee?
If you have an issue with a specific charge on a bill, you will need to contact your payee directly, just as you do today. You can pay whatever amount you like while you are disputing a specific item or charge, or even decide whether to pay the bill at all.


Back to Top

Is Paytrust available in my area?
Paytrust is currently available anywhere in the United States. Due to banking rules and Internet security restrictions, the Paytrust service is not currently available in any other countries. U.S. subscribers can access the Paytrust Bill Center to receive and pay their U.S. bills, even while traveling abroad.


Back to Top

How can I get help or have a question answered?
If you experience difficulty with the service, or if you have questions about your account, click here to contact us. Our staff of trained support representatives is available to assist you from 8 a.m. to midnight EST. In the Bill Center, Paytrust also features rich, context-sensitive online help that can answer most typical questions.


Back to Top

Back to Top

What is my billing address with Paytrust?
Upon enrollment, you will be assigned a unique P.O. Box number at Paytrust's state-of-the-art mail processing center in Sioux Falls, SD.

For bills you have redirected to the Bill Center, this will be your billing address. Some merchants ask for a billing address to confirm credit card purchases made by telephone or over the Internet. In addition, your payees may reference this address when verifying your account or identity with them.

For SmartBills and bills you receive at home, your billing address will not change.

Tax payments and court-ordered payments are discouraged and made at your own risk and with no guarantee. Payments to payees outside of the United States are not allowed through this service.

Back to Top



Terms, conditions, features, pricing and service options are subject to change.