By Mohammed Waseem
American Express has this product called Bluebird, which has many features including bill pay. It is a complete solution for personal financial management. Just like any other bill pay service, Bluebird makes it easy to have all bills paid. In fact, users can pay any individual apart from paying bills. This saves them the time to visit a bank or biller’s premises and costs of stamps, envelopes and other related services.
Users can pay bills online or using the Bluebird mobile app. To pay a bill, one has to be a registered user and has to login to the Bluebird account. Among the many features, ‘Pay Bills’ has to be chosen. After having done that, a payee has to be added from the existing list or a new payee has to be added.
Once a payee has been added, payment method has to be chosen and the amount has to be keyed in. In order to submit the payment, a PIN has to be entered, which is usually set in advance. Once submitted, confirmation is displayed and recorded in the Bluebird account. Following every payment, a confirmation email is sent to the user.
There is a monthly limit of $10000 for payments to payees listed in the Bluebird Bill Pay System and $5000 for non-registered payees. It takes between 4 and 7 working days to complete the payment, so the user has to schedule the payment well in advance to avoid late fees.
By using this service, users can also earn points that can be redeemed later. Any bill from rent to a car payment can be paid with no additional fees. Taxes can also be paid with this service.
In order to register for the service, one has to fill in this form and start using Bluebird to manage all personal finances including bills payable.