How Bill.me increased timely bill payments by 17% with Ecommpay

By adding open banking payments through Ecommpay, Bill.me gave its users a secure and cost-effective new way to pay – helping increase payment activity, transaction volumes and the number of bills settled on time.

Keeping on top of household bills should be simple. In reality, it often means searching through emails, logging into different provider portals and trying to remember a long list of payment deadlines.

Bill.me brings everything together.

Through one simple application, users can receive and manage recurring bills from their service providers, get notifications when new bills arrive or payment deadlines approach, and pay multiple bills in a single transaction. They can also enable automatic payments for even greater convenience.

The app benefits service providers, too. Delivering bills directly to customers can create additional costs, while many smaller businesses cannot justify building and maintaining their own customer portals. Bill.me gives providers a direct digital channel through which they can deliver bills and offer self-service functionality without that additional expense.

To make its payment experience even stronger, Bill.me wanted to give users more choice while supporting greater payment activity and continued commercial growth.

That meant looking beyond cards.

Before introducing open banking, Bill.me customers could pay by card using payment functionality delivered through Ecommpay.

The card experience already provided the functionality Bill.me needed. However, adding open banking created an opportunity to offer users another secure and reliable payment option – with more attractive processing costs for the business.

Working with Ecommpay, Bill.me introduced open banking payments covering the major local banks used across its markets.

The new option allows customers to pay directly through their bank, with their identity verified using Strong Customer Authentication. Secure bank APIs, encrypted data transmission, user consent controls and real-time fraud monitoring help protect each transaction while supporting Bill.me’s security and compliance requirements.

For Bill.me, open banking was not simply another button on the payment page. It offered a way to reduce payment costs compared with card transactions, encourage more people to pay through the app and create a stronger foundation for future growth.

Bill.me’s users quickly embraced the additional choice.

In countries where open banking is available, approximately 70% of Bill.me’s monthly payments are now completed using the method.

The appeal was not necessarily about removing significant friction from the existing journey. Instead, users saw paying directly through their bank as a reliable and secure option. Its more attractive pricing compared with card payments also supported wider adoption.

The result was an increase in the number of paying users and the overall volume of transactions processed through Bill.me.

More importantly, the impact extended beyond the payment itself.

Bill.me’s service-provider partners have seen a 17% increase in bills paid on time, strengthening the value of the app for both sides of the billing relationship.

When to use each:

• 70% of monthly payments are made through open banking in markets where it is available
• 17% increase in bills paid on time for Bill.me’s service-provider partners
• More paying users and increased transaction volumes
• More bills paid through the Bill.me app
• Broader payment coverage across major local banks
• A scalable payment foundation for expansion into new markets

Introducing a new payment method required close collaboration between Bill.me, Ecommpay and the technical teams involved in the project.

Bill.me received the information and technical guidance it needed throughout implementation, helping the project remain within its agreed timeline and supporting a successful launch.

The teams worked together to address the minor technical issues that arose, including wider token and SEPA-related challenges. Bill.me says these were resolved promptly and that the overall performance of the solution has remained strong.

That responsive working relationship has continued beyond launch.

With Ecommpay’s open banking solution in place, Bill.me can support payments through the major local banks used across its existing markets.

That coverage also gives the business greater confidence when considering expansion. As Bill.me enters new countries, it has a payment solution capable of supporting the local banking options its users expect.

The company also sees open banking as a developing ecosystem rather than a finished product. As new capabilities become available, Bill.me plans to assess how they could support further product development, market expansion and commercial growth.

For an app built to make paying bills easier, open banking has become much more than an additional payment method. It is helping Bill.me increase payment activity, deliver greater value to its service-provider partners and prepare its app for what comes next.

Whether you want to add open banking, broaden your payment-method coverage or expand into new markets, Ecommpay can help you create a secure and scalable payment experience built around your customers.