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Merchants Bank of Commerce

Bill Pay FAQ

Frequently Asked Questions about Online Bill Pay

Here are simple, straightforward answers about Online Bill Pay from Merchants Bank of Commerce.
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What is Bill Pay?

With Bill Pay you can pay any company or person you owe. You can also request and receive money from a person or group.


  • Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you.
  • Review your payments and bills for the past 24 months in Activity. Also review requests you sent. You can download your payment info to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
  • Send money electronically to people using Popmoney. They receive notification by email or text message.
  • Request money from a person or group to split an expense using Popmoney.
  • Transfer money from one account to another.
  • eBills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in Bill Pay. You can view your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.
  • AutoPay. You can set up automatic payments to be sent according to a schedule you set. You can change or cancel AutoPay at any time.
  • AutoPay for eBills. You can set up some eBills to be paid automatically according to options you set. You can change or cancel AutoPay for eBills at any time.
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How does Bill Pay work?
Provide some info about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you.

The Payment Center lists the companies and people you can pay.

Enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the Deliver By field. You can also view and select the date from the calendar.
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Who can I pay using Bill Pay?

Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

Payment Center. When you use Payment Center to send money, we send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.

Popmoney. You can send money to a person using only an email address or mobile phone number. The recipient can use the info provided in the email or text message we send to claim the money and deposit it into an account.

Transfer Money. If you need to get money to someone you share an account with, you can use Transfer Money to move the money from your account into their account.

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Who can't I pay using Bill Pay?
Use Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Bill Pay to send payments to addresses outside the United States.
We don't recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.
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Is my info secure?

Yes. Bill Pay uses several methods to ensure that your info is secure.

  • SSL. Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection.
  • Encryption. Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet.
  • Automatic Sign Out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.
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Is my personal info kept private?
Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or credit worthiness.
Please review the Terms of Service for a complete description of when Bill Pay must disclose info to third parties.
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Can I use assistive technologies to access Bill Pay?
Yes. Bill Pay follows the World Wide Web Consortium's Web Content Accessibility Guidelines (WCAG) 2.0 Level AA recommendations. The following features aim to make Bill Pay more accessible to assistive technology users:
  • Navigation. Skip to content links on each page let you skip the page banner and navigation links and go directly to the main content. Headings organize each page’s content, and a screen reader’s H key moves the focus from heading to heading. The ARIA landmark regions named banner, navigation, main, and content info let you move to defined page regions. Use the appropriate key for your screen reader. Links have detailed descriptions that can be read with a screen reader’s links list.
  • Regions and Tabs. Some pages have regions that expand or collapse details or forms and include the words Show or Hide in their link headings. Other areas have info presented as tabs, where the left or right arrow key changes the tab, and then you can read the tab content.
  • Tables and Forms. A brief description of a table’s content is read by a screen reader as you navigate a page. Table headers locate your place in the table, and links in the table headers let you sort the table content. Using the table cell keys, the column or row heading info is read as well as the table’s data. Sort links open menus to control the display order of the table’s data. The Tab key changes sort selections, and the Enter key activates your selection. Fonts can be resized with magnifier software or the browser zoom feature without significantly changing the page layout.
  • Accessibility Constraints. We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. One area of the product that is currently not fully accessible is the date-picking calendar. The calendars for choosing payment and transfer dates are not usable with a keyboard or screen reader. We are continuing to make improvements to all aspects of the product. Contact customer service if you have an issue using Bill Pay.