Paytrust.com

Reviews say a major advantage of Paytrust.com over a bank's free online bill-paying service is that all paper bills go directly to Paytrust, are scanned in, and you get an e-mail each time a bill has been added to your online account. Payments are drawn against your checking account and you must approve each of them – there are no automatic withdrawals for payments like many banks offer. Eliminating the snail mail is a good option for those who travel a lot. Your statements are accessible online for one year, and Paytrust keeps eight years of records. The downsides are that Paytrust is not compatible with Quicken accounting software (even though it's owned by Intuit) and you have to pay a monthly fee, plus transaction fees. The plans are either $5 per month plus 50 cents per transaction or $13 per month for up to 30 transactions in a month and 50 cents per transaction after that. If you don't travel a lot, most experts suggest trying online bill payment through your bank (free).

We found the best general information about online bill payment at Consumer Reports. Specific reviews of Paytrust at MillennialLiving.com and StarReviews seem more anecdotal than based on a formal testing method. We found about 80 user reviews at Epinions.com, but most of them are quite old.