Well, most of the billPay services are really thru
CheckFree which is free to anybody, but you can only pay billers who have signed up and who pay CheckFree for that service.
But I also need the ability to send to anybody, not just a company signed up w/CheckFree. eUSPS allows you to schedule automatic payments, but for an individual they only send paper checks, not electronic xfrs.
And PayPal will not allow automatic scheduled payments to a private party. Nobody I know of provides this service, and I think there will be a demand for it, but the wanks who run these existing companies don't want to listen to anybody, or do not have a process in place for communication.
Example: You want to send money on regular basis to your kid in college. Sending a paper check is ok, but entails them physically taking it to the bank or atm and then waiting for 3 or more business days for it to clear. It would be so much easier to do a scheduled EFT to someone's account, and that could also eliminate transaction fees.
Same with gift cards or shopping cards. The only non-specific store cards are so hard and expensive to deal with, that I won't do it.
Again, someone is missing an opportunity to expand or create a new business providing this service.
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