Pay Bills with Your Bank of Texas
Visa Check Card

Basics & Benefits

What is Manual Bill Payment?

Control when and how much you pay by initiating payments when you're ready. Simply call your biller or visit their Web site to review your bill before authorizing the Visa transaction.

What is Automatic Bill Payment?

Once you sign up for Automatic Bill Payment and schedule payments, your regular bills are paid according to the schedule you specify, allowing you to simply review payments on your monthly Visa statement. You’ll never need to worry about due dates or missed payments.

What are the benefits?

Paying bills with Visa simplifies your life. Your payments are made quickly and conveniently, and you no longer have to track payment due dates, buy stamps, visit the mailbox, write multiple checks, or balance your checkbook. And depending on the Visa card you use, you may be eligible to earn airline miles or take advantage of discounts from Visa.

Is it secure?

With Visa's Zero Liability policy, you are 100% protected against any monetary loss resulting from unauthorized use of your Visa card both online and offline.

Is there a fee?

Visa does not charge a fee for the convenience of bill payment, and many billers offer this option for free as well. Contact billers directly to determine if they charge a fee.

What does Billeo provide?

Billeo hosts Visa's Biller Directory. With Billeo, a free online bill manager, you can permanently save billers and easily visit their sites each month. Billeo can send you reminders for upcoming bills, remember and auto-fill your passwords, and save your payment confirmation pages for future reference. Learn more.

Getting Started

How can I pay my bills with a Visa card?

You must contact billers directly to pay a bill with your Visa card. To see if a biller participates, consult our Biller Directory.

Which billers accept Visa for bill payment?

Many national and local billers and service providers accept Visa for bill payment, including:

• Phone companies
• Cable/satellite TV providers
• Insurance companies
• Utility companies
• Security companies
• Newspapers
• Gyms
• And more

To see if a biller currently participates, consult our Biller Directory. Billers are constantly being added to the list, so check back often.

What if I'm not yet ready to sign up to Pay Bills with Visa?

Using our Biller Directory, search for billers to create your selection. When your list is complete, you’ll be able to save it for later access using Billeo. Learn more or print our helpful instructions.

Which Visa cards can I use to pay my bills?

You may choose from any of your Visa check or credit cards. You may select one Visa card to pay some bills, and another to pay a different set of bills.

What information might a merchant request?

Billers generally ask for the following information:

• Biller account number
• Visa card number
• Expiration date
• Date you want to be charged
• Amount you authorize to be charged (for manual bill payment)

What will help me organize the paperwork and guide me through the steps to enroll?

Make sure you have your paper work handy before signing up for Pay Bills with Visa. There are links to printable instructions on all the Pay Bills with Visa pages.

Does the biller need to store my Visa card information?

Some billers may allow you to use manual bill pay without storing your card information. Contact your biller directly for further information.

When will my bills get paid?

You will be able to select the best date to make your payment, in order to ensure that your payments arrive before the due date. When signing up for automatic bill payment, you should continue to pay your bills directly until your biller informs you that automatic payment has been established.

After Establishing Bill Pay

What if my bill amount changes?

If you've established Manual Bill Pay, you will see the new bill amount before you pay. If you sign up for Automatic Bill Pay, you will pre-select one of the following options:
1) Pay the full amount of your bill each month even if it changes.
2) Pay a fixed amount and be credited for overpayment.
3) Charge the remaining amount at a later date.

What if my Visa card payment is late?

Your Automatic Bill Payments should occur as scheduled, even if your Visa card payment is late. Please refer to your official cardholder agreement or contact your issuing financial institution to verify how new charges are handled on late or delinquent accounts.

How do I stop or discontinue Automatic Bill Payment?

Contact billers directly to cancel or discontinue any scheduled Automatic Bill Payment. Some billers require advance notice to discontinue automatic payments, so allow additional time for any changes to your payment service. You may also contact your Visa card issuer to ensure that automatic payments to your biller are stopped in the future.

What if there is a payment discrepancy or I have other payment questions?

Please contact the biller directly to settle payment discrepancies or for other payment questions.

What if my Visa card is updated, lost or stolen?

Immediately report a lost or stolen Visa card to the bank that issued your card. To avoid service interruption on Automatic Bill Payment, provide billers with your new Visa card information.

Remember, with Visa's Zero Liability policy, you are 100% protected against any monetary loss resulting from unauthorized use of your Visa card both online and offline.

Will I still receive a paper bill by mail?

Yes, most billers will continue to send you a duplicate of your bill by mail. You do not need to pay the bill twice. If you wish to stop receiving paper bills, contact the merchant(s) directly.