Hello Joel, thank you a lot for your extensive explanation.I understood that the bill pay feature, takes a way the hassle from the tenant, but would still result into the landlord getting a paper check.This is really amazing, that not much has changed in transactional banking (other than paypal) in the US.I assume it is difficult to change legacy systems/habits. In some countries (e.g. Brazil) I have seen real time wire transfers between institutions for tiny amounts. In Europe we still have batches at night... Must be some guy in India typing ;-)...BR,MNU
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